If you’re a high-risk driver who needs auto insurance coverage, Acceptance Insurance might be worth considering. The company works with drivers with incidents on their records, and it also offers multiple other types of insurance. However, it’s only available in 15 states.

Here’s what you should know about Acceptance auto insurance.

What is Acceptance auto insurance?

Average cost of Acceptance auto insurance

On average, Acceptance car insurance will run you $226 per month for liability coverage and $315 for full coverage. These rates are significantly higher than the national averages of $103 and $182, but this is no surprise, as Acceptance targets high-risk drivers.

If you can’t find coverage through another car insurance company, Acceptance might be an option. Just be prepared to pay higher-than-average premiums.

Acceptance car insurance coverage

Just like other auto insurance companies, Assurance offers standard coverages, like liability insurance, comprehensive insurance, and collision insurance.

In addition, you can choose from several optional coverages, including:

Acceptance car insurance cost by state 

Car insurance requirements and costs vary depending on the state you live in. For example, you might pay more for an auto policy in a highly populated state like Florida than in a smaller state such as Mississippi.

Below is an example of the average monthly cost of Acceptance car insurance in two of the 15 states where coverage is available.

Acceptance auto insurance rates by driving history

Your driving record can have a significant effect on your car insurance rates.2 If you have a history of speeding tickets, at-fault accidents, or DUIs, your premiums will be more than if you maintain a clean record.

The following table outlines the average monthly costs of Acceptance car insurance for people with various types of driving records. As you can see, drivers with a history of DUIs face the most expensive car insurance costs.

Acceptance car insurance cost by age

Car insurance companies, including Acceptance, consider your age when they determine premiums. Teenagers and young drivers typically pay higher rates for auto policies than older drivers with more experience behind the wheel.

The following table shows what Acceptance charges, on average, for different ages.

How to get an Acceptance Insurance quote from Insurify

While you can get a car insurance quote directly through Acceptance on the company website, Insurify will provide you with multiple quotes so you can easily compare Acceptance with other auto insurance companies and zero in on the best option.

Here’s how to get a quote from Insurify in five minutes or less:

1. Enter your ZIP code. Go to Insurify’s website and enter your ZIP code on the home page.

2. Complete a questionnaire. Share some information, such as the type of car you drive, average mileage, whether you own your car or have a loan or lease, and the type of coverage you’re seeking.

3. Receive quotes. As soon as you answer all the questions, you’ll receive personalized quotes and be able to compare them all in one place.

Acceptance car insurance discounts

Car insurance discounts can help you save some money on your auto policy.3 Some examples of common discounts many insurers offer include a good student discount, anti-theft device discount, loyalty discount, and military discount.

Since Acceptance doesn’t advertise its discounts on its website, it’s a good idea to reach out to the company directly or work with a local agent to find out whether any discounts apply to you and how much you might be able to save.

Acceptance Insurance bundling options

You can find a variety of insurance types at Acceptance in addition to car insurance, including:

• Renters insurance: Renters insurance is designed to protect your personal property if you live in an apartment or rent a property.

• Homeowners insurance: Homeowners insurance may be required if you own your home, as it can cover damages after a disaster or liability.

• Commercial insurance: Commercial insurance should be on your radar if you own a business and want to protect your business assets.

• Life insurance: Life insurance can protect your loved ones financially if you pass away unexpectedly.

• Pet insurance: Pet insurance might make sense if you have a pet and wish to avoid unexpected vet bills.

Acceptance Insurance reviews and ratings

Acceptance holds an A+ rating with the Better Business Bureau (BBB), but it’s important to search online for ratings and reviews from real customers.4 This can help you gain some insight into how customers perceive the company and how it responds to complaints.

Acceptance Insurance customer reviews

Compared to other insurance companies, Acceptance has limited reviews. Most of the reviews, however, are negative. Customers complain about expensive rates, poor service, and a difficult claims process.

Acceptance Insurance ratings

Car insurance companies are often rated for financial strength. A good financial strength rating means a company is likely to pay out claims in a timely fashion, even when demand is high. Insurers also receive ratings for competitive prices, customer satisfaction, and discounts.

Here’s a look at various ratings that Acceptance has received:

• AM Best: A- (Excellent)

• BBB: A+

• Trustpilot: 4 stars with three customer reviews

• Weiss: C+

Acceptance Insurance vs. other insurance companies

Because of the highly saturated car insurance market, it’s wise to see how Acceptance compares to other insurers.

Acceptance Insurance vs. Direct Auto

Direct Auto was founded in 1991 and specializes in non-standard car insurance for high-risk drivers who require SR-22s. Direct Auto has more than 400 locations across the U.S., but you can also receive and manage your policy remotely on the company’s website.

On average, Direct Auto charges $124 for liability coverage and $214 for full coverage monthly. These rates are much lower than Acceptance’s. So, if you’re a high-risk driver, you may be able to save money with Direct Auto. You can always come back to Acceptance if you don’t get approved for a Direct Auto policy.

Acceptance Insurance vs. National General

National General has been in the insurance business since 1920. Allstate acquired the company in 2021. More than 55,000 agents serve customers across the country.

A liability-only policy from National General costs $118 per month, while full coverage will run you $214, on average. If you want to lock in the most affordable coverage, you’re more likely to find it through National General than Acceptance. This is particularly true if you’re a safe driver with a clean record, as National General caters to all types of drivers.

Acceptance Insurance vs. The General

Since its debut in 1963, The General has also offered insurance under the Permanent General Agency name. In 1997, the company officially became The General.

It typically sells its policies online or via phone. While The General serves various drivers, it also extends coverage to people with poor driving records and bad credit.

Liability coverage with The General costs an average of $97 per month, while full coverage is priced at $186 per month. If you’re seeking cheaper coverage and better service than Acceptance, The General may be a solid pick.

How to file an auto insurance claim with Acceptance Insurance

A car insurance claim is a formal request you submit to an insurer for payment after you’ve experienced a covered loss. You have a couple ways to file an auto claim with Acceptance:

• Online: Go to the Acceptance website and click on the Claim tab.

• By phone: Call 1 (800) 779-2103 toll-free. Note that the claims office is open Monday through Friday from 7 a.m. to 8 p.m. Central time and Saturday and Sunday from 8 a.m. to 5 p.m. Central time.

Acceptance Insurance FAQs