Acceptance Auto Insurance Review 2022: Pros and Cons – NerdWallet

If you have poor credit or a checkered driving history, you may be considered a high-risk driver and have trouble finding affordable coverage through mainstream insurers. Acceptance Insurance sells high-risk auto insurance policies to such drivers in 15 states. The company also has an agency with 12 partners, allowing you to comparison shop for various insurance products.

Acceptance auto insurance coverage

When you’re shopping for car insurance, it’s important to understand what car insurance coverage you want and what you’re required to buy. Most states require car insurance in order to drive a vehicle. Although minimum coverage requirements vary from state to state, they generally include liability insurance and uninsured or underinsured motorist coverage.

If you want extra protection, you may be interested in full coverage insurance. Full coverage isn’t a specific policy type; it's a combination of coverage types, like liability, collision and comprehensive insurance.

Check out the most common types of car insurance coverage below to see how they work:

Coverage type

What it pays for

Required?

Bodily injury and property damage liability

Costs for injuries, deaths or property damage from an accident you caused.

Typically required.

Uninsured or underinsured motorist coverage

Medical and property damage costs after an accident with a driver who has insufficient insurance or none at all.

Often required.

Collision coverage

Repair expenses from traffic-related accidents, regardless of who's at fault.

A car loan or lease may require it.

Comprehensive coverage

Repair costs from events outside of your control, including weather events, hitting an animal while driving, theft and vandalism.

A car loan or lease may require it.

Acceptance doesn’t provide many bells and whistles when it comes to auto insurance, with standard offerings such as comprehensive, collision, uninsured motorist, rental car and roadside assistance coverage. In most areas, you can increase your liability limits beyond state-mandated minimums.

The company’s “TicketProof” program reimburses drivers for costs associated with speeding tickets and other traffic citations, including $200 toward legal fees, $100 per paid citation (up to two a year) and $250 toward court-ordered defensive driving school.

SR-22 form: Acceptance will file an SR-22 form if you need one to prove that you have sufficient auto insurance. States may require this form (or an FR-44 in Florida and Virginia) for people who’ve had a DUI conviction, been caught driving without insurance or committed other serious traffic offenses.

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Auto insurance discounts

Acceptance’s car insurance discounts include:

  • Military.

  • Multicar.

  • Multipolicy.

  • Policy renewal.

  • Autopay.

  • Paperless.

  • Discount for having been insured with your previous company for at least six months.

  • Homeowner (even if your home isn’t insured by Acceptance).

  • Discount for paying your bill in full upfront.

  • Discount for affiliations with certain clubs or organizations.

  • Discount if you allow the company to use telematics to track your driving habits.

  • In-agency.

  • Discount for signing up for a policy online.

  • Advance quote.

  • Discount for taking a defensive driving course.

  • Good driver.

  • Good student.

  • Vehicle equipment.

  • Low-mileage.

Auto insurance buying guide

Before you compare car insurance companies, you’ll need to collect some basic information. This includes the driving history of everyone who will be on the policy, as well as facts about your car, such as safety features and annual mileage driven. You’ll also want to determine which types of coverage you need. For example, do you want only the bare minimum insurance that your state requires, or do you need more extensive coverage, such as gap insurance or rideshare coverage? Check that each company you’re considering has the options you want.

When comparing rates among insurers, make sure each is offering the same coverage limits and deductibles. You may not want to make your decision based on price alone. Look at how many consumer complaints each company has, as a high number of complaints could be a red flag about the quality of service you'll receive.

Depending on which company you choose, you may be able to buy insurance online, over the phone or through an agent. For more guidance, see how to get car insurance.

Complaints 

Acceptance had far more than the expected number of complaints about auto insurance to state regulators relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners.

More about Acceptance auto insurance 

Website: You can easily get a quote and pay your bill on the Acceptance website, and there’s plenty of general information about common types of insurance coverage (liability, comprehensive, collision and the like). However, specifics about which discounts and optional coverage options Acceptance offers are lacking.

Acceptance doesn’t have a mobile app, but its website is optimized for use on phones and most other devices.

Other insurance from Acceptance 

Other types of insurance available through Acceptance or third-party partners include:

  • Homeowners insurance.

  • Renters insurance.

  • Life insurance.

  • Commercial insurance.

  • Pet insurance.

  • Motorcycle insurance.

  • Hospital indemnity insurance.

Acceptance also works with a partner to sell a limited type of travel insurance that covers your vehicle if you drive it into Mexico, and a subscription to TeleMed for access to virtual doctor’s appointments, plus a discount card to use at pharmacies.