In a study of real insurance policyholders’ experiences, the Jerry research team ranked Acceptance 8th overall compared to companies of a similar size.

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Updated on May 21, 2024

Lina Zhang

Licensed Insurance Agent, VP of Operations

Reviewed by Josh Damico, Vice President Insurance Operations

Edited by R.E. Fulton, Licensed Insurance Agent —Senior Content Writer

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Comprehensive Acceptance Car Insurance Review
So, is Acceptance a good insurance company?
Acceptance car insurance reviews
Acceptance pros and cons
Is Acceptance the right insurance company for you?
Is Acceptance car insurance expensive?
Will Acceptance raise your rates?
Does Acceptance resolve claims fast?
Does Acceptance have good customer service?
Acceptance car insurance discounts
Acceptance coverage options
Acceptance’s additional tools and services
FAQs
Read all Acceptance car insurance reviews
Methodology
Meet Our Experts

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Comprehensive Acceptance Car Insurance Review

Acceptance is a solid, above-average pick among the biggest insurance companies in the country in 2023, according to first-hand reviews analyzed by

Jerry

’s research team.

Our experts ranked Acceptance 8th overall when compared to 20 other companies of similar size and popularity.

Here’s a breakdown of how our verified Acceptance policyholders ranked the company:

4.5

52 Reviews

5 Stars

63.46%

4 Stars

25%

3 Stars

9.62%

2 Stars

3.85%

1 Star

-1.92%

To get you these results, Jerry surveyed over 18,000 car insurance policyholders across the country. After 18 months of collecting and analyzing the data, we have a definitive ranking of over 120 insurance providers in the categories of customer service, claims, cost, and more.

So, is Acceptance a good insurance company?

Yes, especially for high-risk drivers who have been turned away from other insurers.

We analyzed over 500 real customer reviews from Acceptance. Of those reviews, we found that 73% were overwhelmingly positive, while only 2% were negative.

Considering the national average ratio of 64% positive reviews to 18.54% negative reviews, it’s clear why Acceptance took a spot within the top 10.

The good: Compared to the survey average, Acceptance excels in customer service, processing claims, and simplifying the process of buying insurance products. The majority of customers reported that:

Customer service was patient, friendly, and responsive

The claims process was painless and problem-free

Quotes were accurate and easy to get online

On the other side: Acceptance fell only slightly behind the survey average in terms of cost and renewals.

Jump to:

Acceptance Car Insurance Reviews

Acceptance Pros and Cons

We asked policyholders to rate Acceptance on their cost, customer service, claims process, purchase, renewal, and overall satisfaction.

See how Acceptance’s ratings compared to the national average of all companies surveyed below:

Criteria	First Acceptance's Rating	Industry Average
Overall	4.2	4.1
Cost / Price	3.5	3.8
Claim Experience	5	3.5
Customer Service	4.2	4
Renewal Experience	4	4

Acceptance is a mid-size company serving over 300 neighborhoods across 13 states, including

Florida

Texas

, and

California

. It’s headquartered in

Nashville

Tennessee

When evaluating Acceptance’s strengths and weaknesses, we thought it was important to take a look at how other industry leaders rated Acceptance, too. Here’s how Acceptance stacks up against the national average for other insurance companies in the US:

Critera	Acceptance	Score Out Of
BBB Rating	A+	A+
NAIC Rating	4.74	6
Clearsurance	3.77	5
A.M. Best Rating	B-	A++
IOS App Store Rating	n.a	5
Google Play Store Rating	n.a	5

Please note* that a greater NAIC score indicates increased risk.

Acceptance car insurance reviews

Take a look at how real Jerry users rated Acceptance based on customer service below:

Acceptance pros and cons

Based on our analysis of our national insurance customer satisfaction survey and Acceptance’s public third-party rankings, we’d say it excels in customer service but needs to improve its plan pricing. Here’s what there is to like (and dislike) about purchasing a policy from Acceptance:

Pros

Accepts drivers with both major and minor driving violations

Convenient, easy-to-use website with free quotes

Helpful customer service

Willing to help drivers with poor credit

Cons

Expensive rates

Limited product offerings

Is Acceptance the right insurance company for you?

Acceptance is one of the best car insurance companies for:

Single drivers

Drivers with a history of traffic violations

Drivers with poor credit

Drivers looking for flexibility

Keep in mind: As its name suggests, Acceptance welcomes any driver seeking a second chance. But if you’ve got a clean driving record, you can probably find cheaper rates elsewhere.

Acceptance Insurance is a mid-size company that operates across 13 states stretching from the mid-east to the southeast to the southwest. Its customer service department is open from Monday to Friday from 6:00 AM to 8:00 CST and on Saturday from 8:00 AM to 5:00 PM CST.

The company’s list of products includes:

Auto insurance

Homeowners insurance

Life insurance

Motorcycle insurance

Pet insurance

Renters insurance

Acceptance also offers non-owner and SR-22 insurance policies.

Learn more about how our survey respondents rated Acceptance's car insurance services below:

Is Acceptance car insurance expensive?

Acceptance’s rates are lowest for single customers with good driving records and credit, and highest for customers with poor credit or spotty driving records.

Of all the reviews we collected for Acceptance Insurance, 20% directly mentioned cost. Around 69% were positive, 25% neutral, and 6% negative.

A closer look reveals that Acceptance’s single customers were pleased by the “cheap and consistent” pricing. Insurance rates were highest for drivers with bad credit and spotty driving records.

Comparing these results to other insurance companies of a similar size, we found Acceptance ranked 12th overall in the category of policy cost satisfaction. Customers gave them 3.4 stars out of five—which is lower than the national average of 3.81.

Here’s how Acceptance stacked up against its competitors in other areas of our study:

First Acceptance Policy Cost Rating	Ranking	Industry Average
3.5	12	3.8

Keep in mind: Car insurance quotes are highly personal. Depending on their driver profiles, two customers from the same city could receive offers that are hundreds of dollars apart!

Like every other auto insurance company, Acceptance uses a complicated formula to

calculate car its insurance rates

based on factors like:

Age and demographic

Auto insurance coverage limits

Car insurance history

Driving record

Experience level

Household members of driving age (and

whoever you add to your policy

)

Type of insurance

Vehicle make, model, and year

ZIP code

State law allows every provider to use a unique formula for insurance premiums, but looking at the data, we can see some general cost trends grouped by state.

Acceptance cost reviews

Take a look at how real Jerry users rated Acceptance based on cost below:

Will Acceptance raise your rates?

Yes. As a rule, you’ll pay a little more at Acceptance (and every other company) each time

your car insurance renews

Acceptance may increase your rates if:

The inflation rate rises

You add a new driver to your policy

You add a new vehicle to your policy

You change your address

You’re involved in a car accident

You receive a traffic ticket

Our results say that 58% of drivers surveyed chose to renew their policy with Acceptance.

Remember: Even if there are no changes to your driver profile, it’s normal for your insurance rates to fluctuate over time. Providers often make changes to the way they price their policies.

Does Acceptance resolve claims fast?

On its website, Acceptance advises that every claim it receives will be handled “as quickly as possible”. In our survey, customers reported high satisfaction with the claims process.

Ideally, a provider should assign an adjuster to your case soon after you

file a car insurance claim

. The adjuster’s job is to investigate the claim, assess any injuries or damages, and decide whether to approve or deny it based on the relevant policy terms and limits. A swift and efficient claims process helps to reduce the strain on consumers’ finances and emotions.

About 59% of Acceptance customers shared what it was like to file a claim with the company, rating it 5.0 out of 5.0 for efficiency and overall satisfaction. That said, Acceptance received a high number of customer complaints with the Better Business Bureau.

The average claims satisfaction index for every company we surveyed in the country is only 3.54. Acceptance crushed this survey category, a result its competitors should strive to emulate.

Here’s how consumers rated Acceptance’s claims process, in their own words:

First Acceptance Claims Resolution Rating	Ranking	Industry Average
5	1	3.5

Acceptance claims reviews

Check out how real Jerry users rated Acceptance based on claims handling below:

Does Acceptance have good customer service?

Policyholders reported that Acceptance’s customer service excelled at walking customers through insurance concepts.

In terms of overall ratings, survey respondents rated Acceptance’s customer service department a 4.1 out of 5. Compared to the national average of 3.9, Acceptance is doing great.

The consumers who raved about Acceptance’s customer service agents praised their knowledge and willingness to provide a step-by-step guide for every task.

You can see for yourself how Acceptance did below:

First Acceptance Customer Service Rating	Ranking	Industry Average
4.2	9	4

Acceptance customer service reviews

Take a look at how real Jerry users rated Acceptance based on customer service below:

Acceptance car insurance discounts

Acceptance’s car insurance offers include bundle, good student, and safe driver discounts. But customers reported the company didn’t offer as many ways to save as larger competitors, like

Nationwide

You can turn a good deal into a great one with the right

car insurance discount

, which often doesn’t require any more effort than dialing your provider’s phone number. You could find savings based on your age, mileage, driving record, and vehicle safety rating—or even your marital status!

Only 13% of Acceptance’s customer comments mentioned that they liked the discounts. Indeed, the company’s list of savings programs is a little short:

Bundle discounts

: Since Acceptance also offers renters and homeowners insurance, you could pick up two or three products and save.

Good student discount

: Acceptance offers customers between the ages of 16 and 24 a chance to save 4%-20% as long as they maintain good grades in school.

Multiple-car discount: Similar to bundling, when you insure multiple cars with the same company, you save.

National Safe Driver Program (NSDP): Acceptance offers a rate reduction to customers who take a

defensive driving course

through the NSDP.

Paid-in-full discount: If you can afford to pay your premiums all in one lump sum, do so—it’s cheaper that way.

Paperless billing discount: Switch to electronic billing to shave a little money off your premiums.

Roadside assistance discount: Acceptance also offers roadside assistance. By adding it to your auto insurance, you could save money on a bundle and your regular premiums.

Safe driver discount

: Drivers without any accidents or claims in the past three years can find a great rate with Acceptance.

Usage-based insurance (UBI): UBI auto insurance policies track your mileage with an app or telematics device. The less you drive, the more you save!

Vehicle anti-theft device

discount: Acceptance mentions it offers a discount for installing an aftermarket alarm like The Club, but the offer may also extend to other devices.

Like your rates, car insurance discounts can change over time. To get the most up-to-date information (and to see whether you qualify to save), visit the Acceptance website or contact a representative.

Acceptance coverage options

The best insurance policy is one tailored to suit your needs and your

state’s insurance requirements

. Here are the most common

types of car insurance

, add-ons, and extra coverage options that you can find with Acceptance:

Collision coverage:

Collision insurance pays to repair your car after an impact with another vehicle or object, whether it’s your fault or not.

Comprehensive coverage:

Fire, weather, vandalism, or theft won’t phase you if you have comprehensive protection.

Liability insurance

: Covering the cost of any damages you cause behind the wheel, liability insurance is required in most states. There are usually separate minimum coverage limits required for

bodily injury liability (BIL)

and

property damage liability (PDL)

Medical payments (MedPay):

As the name suggests, MedPay covers you and your passengers’ medical treatments after an accident.

Non-owner insurance:

If you don’t own a car, a non-owner policy acts as supplemental liability coverage whenever drive a borrowed or rental car.

Personal injury protection (PIP):

A no-fault insurance policy that covers you and your passengers’ hospital bills, lost wages, and related medical costs after a car accident.

Rental reimbursement:

You can rent a car or take a taxi and get reimbursed if your car is in the shop following an insurance claim.

Roadside assistance:

Acceptance offers 24/7 roadside assistance, including towing, winching, jumpstarts, battery charges, flat tire changes, and locksmith services.

SR-22 insurance:

SR-22 insurance isn’t insurance, but a certificate that a provider agrees to file with the DMV on behalf of a high-risk customer.

Uninsured motorist (UM) and underinsured motorist coverage (UIM):

UM/UIM pays for your damages if the at-fault driver isn’t carrying enough insurance (i.e., they’re underinsured) or any insurance at all (i.e., they’re uninsured).

Compared to other insurance providers, Acceptance merely covers the basics. You’ll have to look elsewhere for trip interruption travel insurance and other specialty products.

Acceptance’s additional tools and services

As a mid-size company, Acceptance offers a minimal set of tools to customers looking to manage their experience. Here’s how to customize, discount, and manage your policy:

Claims handling: Acceptance offers customers help with settling claims with other insurance companies, and even hiring legal representation in the event of a personal injury lawsuit.

Policy changes and payments: Acceptance currently offers policy changes by phone or through a local insurance agent.

Preferred partner discounts: If you choose to have your car repaired at one of Acceptance’s preferred partners, you may get their services at a discount.

Online claims filing: Acceptance customers can file a claim online by logging into acceptanceinsurance.com.

Again, tools, services, and savings vary by location (and over time). Call your local Acceptance representative or visit the website to get the latest details from customer service.

FAQs

How good is Acceptance at paying claims?

In Jerry’s survey, Acceptance policyholders had nothing but praise for its claim process, giving it five out of five stars. Acceptance offers customers the convenience of filing claims online.

Does Acceptance have good reviews?

Many Acceptance policyholders took the time to tell us what they thought of the company, 73% of which were positive and 2% of which were negative. Acceptance scored 4.2 out of 5.0 overall.

How is Acceptance auto insurance so cheap?

Acceptance auto insurance offers highly competitive rates among high-risk and bad credit drivers but reserves its best rates for safe drivers. By incentivizing better driving, Acceptance motivates its customer base to move towards fewer claims and lower premiums.

Does Acceptance auto insurance go up after 6 months?

All auto insurance companies, including Acceptance, raise rates at renewal time. If you purchase a six-month plan, you’ll see your premiums increase half a year later.

Who’s better: GEICO or Acceptance?

GEICO offers great rates to new drivers, young drivers, and senior drivers, while Acceptance is best for high-risk drivers with bad credit or traffic violations. That being said, every driver is unique and so is every car insurance quote, so you’ll need to compare prices to be sure.

Read all Acceptance car insurance reviews

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 18,000 customers surveyed and 120 carriers reviewed in the past 18 months). We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record. For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet Our Experts

R.E. Fulton

Licensed Insurance Agent —Senior Content Writer

R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.

As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.

Lina Zhang

Licensed Insurance Agent

Licensed in 50 states and Washington DC

Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.

Josh Damico

Head Of Insurance Operations

18+ Years Experience in Insurance

Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.

*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.