Acceptance Insurance Review: Car, Home and Life | Bankrate

Acceptance Insurance was founded in 1979 and is headquartered in Nashville, TN. The company operates as a subsidiary of First Acceptance Insurance. Today, Acceptance has over 700 insurance agents and sells auto, home and life insurance products in 17 states. Acceptance also works with a network of carriers to help hard-working people find the best rate. Bankrate’s editorial team provides a review of Acceptance auto, home and life insurance options to help inform your insurance search.

Acceptance car insurance

Acceptance is one of the few insurance companies that specialize in non-standard auto insurance, also called high-risk auto insurance. If you struggle to get auto insurance due to bad credit (reflected in your insurance-based credit score), claims history or driving record, Acceptance might be a good option for you to explore. Even for drivers who don’t have bad credit or marks on their motor vehicle record, the following coverages can help round out your car insurance coverage for greater financial protection.

Types of coverage

  • Basic coverage: Acceptance offers minimum and full coverage car insurance. Policies available include collision, comprehensive, liability, medical payments and uninsured/underinsured motorist coverage.
  • Personal injury protection: Acceptance offers personal injury protection (PIP) insurance, which is required in at-fault states. Drivers in any state can purchase PIP for additional medical expenses coverage to supplement their financial protection.
  • Roadside assistance: Acceptance’s emergency roadside assistance coverage is sold as an add-on policy and includes towing coverage, lockout service, extrication, flat tire service, fuel delivery and battery replacement service.
  • Rental car reimbursement: If your car is in the shop, rental car reimbursement coverage will pay for a temporary replacement. This only applies to repairs following a covered accident, not regular maintenance.
  • SR-22 forms: Drivers who have been convicted of a serious traffic violation, such as a DUI, or are found to be driving without insurance, may be required to obtain an SR-22. An SR-22 is a certificate that proves you carry the state’s minimum required insurance coverage. While not all insurers offer this form, Acceptance is one that does provide this form.
  • Non-owner insurance: If you do not own a car but occasionally borrow a vehicle, you need non-owner insurance. It usually only includes liability and medical payments coverage.


  • Bundling home and auto policies
  • Safe driver
  • Paperless billing
  • Customer loyalty
  • Clean driving record
  • Good student
  • Vehicle safety features (front and rear airbags, anti-theft system, anti-lock brakes, daytime running lights and automatic seat belts)

Acceptance homeowners insurance

Acceptance insurance sells standard homeowners insurance coverage. Compared to other home insurance companies, this provider offers fewer coverage options, endorsements and discounts. However, high-risk homeowners who have a history of claims, poor credit or an aging home may have luck getting a policy from Acceptance.

Types of coverage

  • Standard coverage: Acceptance offers standard home insurance coverage. All policies include dwelling, personal property, liability, medical payments and loss of use coverage.
  • Identity theft coverage: Acceptance offers identity theft coverage as an add-on policy. It covers the cost of identity restoration services, like credit monitoring.
  • Scheduled personal property coverage: If you keep high-value items in your home that exceed policy limits for personal property coverage, purchasing a scheduled personal property endorsement may be beneficial. It allows you to increase your coverage limits for specific items, like jewelry or art, and potentially expand the circumstances under which their replacement may be covered (with a floater policy).


  • Bundle home and auto policies

Acceptance life insurance

Acceptance sells term life insurance, which may be a good option for younger people who want affordable coverage for a specific period of time. At the end of the term, most life insurance companies have an option to convert the term policy into a permanent policy, which offers protection for your lifetime.

However, Acceptance Insurance’s website offers limited information about the term life insurance policy. It does not include any information about the policy term lengths or coverage amounts. However, you can enter your zip code and personal information to get a customized life insurance quote online.

Acceptance ratings, reviews, customer satisfaction and complaints

Acceptance rating

AM Best
A- (Excellent)

NAIC Complaint Index
1.75 (Higher-than-average complaints)

Acceptance Insurance’s reviews are not optimal. The company has a B- rating from AM Best, which indicates only fair financial strength. That means Acceptance may struggle to repay policyholders after a covered claim. For comparison, the best insurance companies have financial strength scores of A or better.

Additionally, Acceptance’s National Association of Insurance Commissioners (NAIC) Complaint Index score raises another red flag. First Acceptance Insurance has extremely high customer complaints. The number of complaints is twice as high as the insurance industry average.

Reasons to consider Acceptance

High-risk drivers who have difficulty obtaining a standard auto insurance policy from other providers may want to consider obtaining a quote from Acceptance. The company offers SR-22 certificates and non-owner insurance, which is not available from all insurance companies. Acceptance also has a variety of discount opportunities that, if applicable, could help to lower your insurance rates.

However, drivers who are high-risk may be able to find cheaper auto insurance rates with a different company. High-risk auto insurance can be expensive, and drivers with a good driving record and insurance-based credit score who compare quotes from Acceptance and other major or super-regional insurers to find the cheapest auto insurance premium may discover rates differ widely among these insurers.

If you are looking at home insurance, it should be noted that Acceptance’s home insurance policies are extremely limited in terms of coverage and discounts. Similarly, Acceptance’s website states that it offers term life insurance, but information on what the policies include is limited.

Additional policies offered by Acceptance

  • Motorcycle insurance
  • Renters insurance
  • Commercial insurance
  • Pet insurance
  • Travel insurance
  • TeleMed insurance

Frequently asked questions

Where is Acceptance Insurance available?

Acceptance currently sells insurance in 15 states: Alabama, Arizona, California, Florida, Georgia, Illinois, Indiana, Mississippi, Missouri, Ohio, Pennsylvania, South Carolina, Tennessee, Texas and Virginia.

How much does Acceptance car insurance cost?

The cost of car insurance is different for every driver. Insurance companies in most states may consider your age, insurance-based credit score, claim history, motor vehicle record and the type of car you drive when calculating your rate, among other factors. Drivers who are high-risk pay the highest premiums. However, Acceptance does offer several discounts that can lower your rate. To determine how much you will pay for Acceptance car insurance, it may be helpful to get an instant quote online.

Does Acceptance have online claims?

Yes, Acceptance has an online claims filing option for policyholders. To report a claim online, you will be prompted to enter your policy number and complete several forms detailing the nature of the claim.