Acceptance Auto Insurance Review 2025
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Acceptance
Acceptance provides coverage for high-risk drivers and can file an SR-22 form if needed. However, it sells policies in only 13 states.- Can file an SR-22 form for drivers who need it.
- Insures drivers who may have trouble finding coverage elsewhere.
- Receives far more than the expected number of auto insurance complaints.
- Not available in all states.
Acceptance earned 1.5 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer experience, complaint data from the National Association of Insurance Commissioners and financial strength ratings.
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 13 states. The company also has an agency that allows you to shop for various insurance products by comparing rates from partner companies. Acceptance was acquired by Confie in December 2023. It will continue to sell policies under the Acceptance brand.
» MORE: Best auto insurance companies
Why you can trust NerdWallet: Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our coverage so you can choose the insurance policy that works best for you. These carrier ratings are specific to auto insurance — a company's rating for other products may be different on our site. See our criteria for evaluating auto insurance companies.
- How we review auto insurance companies
In our auto insurance reviews, our editorial team considers both the customer and the insurer. These are some of the factors we take into account:
Financial strength. We use A.M. Best ratings to confirm an insurer’s long-term financial stability and ability to pay claims. NerdWallet does not recommend companies with a rating lower than a B.
Complaints. These ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. The best auto insurance companies have fewer than the expected number of complaints.
Ease of use. This category looks at how easily consumers can interact with an insurer through its mobile app and website. This includes how much coverage information is offered online, whether a user can start and track a claim online and get a quote and mobile app scores based on the Apple and Google Play store ratings.
Discounts. We look at both the kind of discounts a company offers and the total number of discounts available.
Compare to other insurers
NerdWallet rating 1.5/5 |  NerdWallet rating 3.5/5 |  NerdWallet rating 2.5/5 |
Discounts Great set of discounts | Discounts Great set of discounts | Discounts Great set of discounts |
Ease of use Above average | Ease of use Above average | Ease of use Above average |
NAIC complaints Far more than expected | NAIC complaints More than expected | NAIC complaints Far more than expected |
Bottom line Acceptance provides coverage for high-risk drivers and can file an SR-22 form if needed. However, it sells policies in only 13 states. | Bottom line Dairyland specializes in high-risk drivers, but with more complaints than expected, you may find better coverage elsewhere. | Bottom line Infinity caters to high-risk drivers, although availability is unclear. |
Acceptance auto insurance coverage
When you're shopping for car insurance coverage, it's important to understand what car insurance coverage you want and what you’re required to buy. For instance, most states require a minimum amount of car insurance to drive a vehicle. Alternatively, if you want extra protection, you may be interested in full coverage insurance. Read about the most common types of car insurance coverage to see how they work.
Acceptance offers the standard types of car insurance, such as comprehensive, collision, uninsured motorist, rental car and roadside assistance coverage, as well as optional types like gap coverage and non-owner insurance.
Hospital indemnity plan. This coverage helps you with expenses you may have after you are injured in a car accident including paying for a nurse, ambulance, deductibles and co-payments.
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.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.» MORE: Compare auto insurance rates
Auto insurance discounts
Acceptance offers a wide variety of discounts, but not all are available in every state or from every company Acceptance represents. Depending on the policy, you may be able to save on your car insurance with discounts for:
Insuring more than one vehicle.
Buying more than one insurance product from Acceptance.
Renewing your auto insurance policy.
Setting up automatic payments.
Receiving paperwork electronically.
Being insured with your previous company for at least six months.
Taking a defensive driving course.
Meeting Acceptance’s standards for a good driver.
Earning good grades.
Owning a car with anti-theft equipment.
First time shopping for auto insurance? Unsure of where to start? Check out our guide on how to shop for 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. 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
Acceptance also sells renters and life insurance through partners. You can buy other insurance products through third-party partners including:
Homeowners insurance.
Commercial auto 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.
Frequently asked questions
Where does Acceptance sell insurance policies?
Where does Acceptance sell insurance policies?
Acceptance sells insurance in the following states:
Alabama.
Arizona.
California.
Florida.
Georgia.
Illinois.
Indiana.
Mississippi.
Ohio.
Pennsylvania.
South Carolina.
Tennessee.
Texas.
How can you get a quote from Acceptance?
How can you get a quote from Acceptance?
You can get a quote by calling 877-405-7102 or visiting the Acceptance website.
How do you file a claim with Acceptance?
How do you file a claim with Acceptance?
You can report a claim by contacting the insurer that issued your policy.
Methodology
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2021-2023. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
Auto insurance ratings methodology
NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for auto insurance.
Average rates methodology
NerdWallet averaged rates based on public filings obtained by pricing analytics company Quadrant Information Services. We examined rates for men and women for all ZIP codes in any of the 50 states and Washington, D.C. Although it’s one of the largest insurers in the country, Liberty Mutual is not included in our rates analysis due to a lack of publicly available information.
In our analysis, “good drivers” had no moving violations on record; a “good driving” discount was included for this profile. Our “good” and “poor” credit rates are based on credit score approximations and do not account for proprietary scoring criteria used by insurance providers.
These are average rates, and your rate will vary based on your personal details, state and insurance provider.
Sample drivers had the following coverage limits:
$100,000 bodily injury liability coverage per person.
$300,000 bodily injury liability coverage per crash.
$50,000 property damage liability coverage per crash.
$100,000 uninsured motorist bodily injury coverage per person.
$300,000 uninsured motorist bodily injury coverage per crash.
Collision coverage with $1,000 deductible.
Comprehensive coverage with $1,000 deductible.
We used the same assumptions for all other driver profiles, with the following exceptions:
We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit. In states where credit isn’t taken into account, we only used rates for “good credit.”
For drivers with one at-fault crash, we added a single at-fault crash costing $10,000 in property damage.
For drivers with a DUI, we added a single drunken-driving violation.
We used a 2021 Toyota Camry LE in all cases and assumed 12,000 annual miles driven. We analyzed rates for drivers of the following ages: 20, 30, 35, 40, 50, 60 and 70.
2025 auto insurance survey methodology
The opt-in survey of 7,503 U.S. adults ages 18 and older was conducted online by Russell Research on behalf of NerdWallet in June and July 2024. Respondents were asked to rate one auto insurance brand they obtained or renewed a policy within the past 12 months, with at least some changes to the original policy. These brands were rated on overall satisfaction, overall value, online experience, trustworthiness, mobile app experience, claims experience and customer support on a scale of 1-100.
Only brands with 100 or more qualifying respondents are reported. Of those respondents: 300 were State Farm customers, 300 were Progressive customers, 300 were Allstate customers, 300 were Geico customers, 100 were USAA customers, 157 were AAA customers, 100 were Liberty Mutual customers, 100 were American Family customers, 100 were Farmers customers, 100 were Travelers customers and 101 were Nationwide customers.
