Is Acuity Good for Auto Insurance?

Last Updated on April 20, 2023

Acuity is a home, auto, and business insurance company founded in 1925.

Today, Acuity has over $4 billion in policyholder assets while providing a range of insurance products across the country.

Is Acuity good for auto insurance? Should you buy auto insurance through Acuity? Find out everything you need to know about this Sheboygan, Wisconsin-based insurance company today in our review.

Key Takeaways:

  1. Acuity is a mutual insurance company based in Sheboygan, Wisconsin, founded in 1925, and is the 59th largest insurance company in the United States.
  2. Acuity offers a range of personal and business insurance products across 22 states, including auto, business, property, alternative vehicle, and other insurance products.
  3. Acuity auto insurance works similarly to other companies, offering liability coverage, collision and comprehensive coverage, roadside assistance, and teen driver insurance.
  4. Acuity has fast customer service, a unique insurance package called Road and Residence coverage, and was ranked the #4 best carrier by collision repair shops.
  5. Acuity has over $4 billion in policyholder assets and an A+ rating from A.M. Best, making it a reliable option for those looking for insurance products.

What Is Acuity?

Acuity Insurance is a mutual insurance company based in Sheboygan, Wisconsin. The company provides home, auto, and other insurance products across 22 states.

You can get an Acuity quote through an independent insurance agent. Or, you can get a quote online through

Founded in 1925, Acuity is the 59th largest insurance company in the United States. The company manages over $4 billion in assets and has an A+ rating from A.M. Best.

You can buy Acuity insurance products in most of the central United States, including all of the following states: Arizona, Colorado, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Minnesota, Missouri, Montana, Nebraska, New Mexico, North Dakota, Ohio, Pennsylvania, South Dakota, Tennessee, Utah, Wisconsin, and Wyoming.

Acuity uses the flagpole as its symbol. In fact, the company’s headquarters in Wisconsin is home to one of the world’s largest American flags and flagpoles. The flagpole is 400 feet high, or approximately 100 feet taller than the Statue of Liberty. The flag itself is 70 by 140 feet, making it the world’s largest free-flying American flag.

Large flag aside, let’s take a closer look at what types of insurance products and services Acuity offers.

Acuity Insurance Contact Information
Mailing AddressPO Box 718
Sheboygan, WI 53082-0718
Phone Number800-242-7666
Website URL

Acuity Insurance Products & Services

Acuity insures 190,000 policyholders and 107,000 businesses across the United States. The company offers a range of personal and business insurance products.

Core insurance products and services available through Acuity include:

Auto Insurance: Acuity covers 205,000 vehicles through its auto insurance division. The company’s auto insurance works similarly to the auto insurance from other companies, protecting drivers against vehicle damage, liability, and more.

Business Insurance: Acuity offers business insurance to businesses across a range of industries and niches. The company specializes in providing insurance to those in construction, manufacturing, retail, restaurant, wholesale and distribution, trucking, hotels and motels, service businesses, auto repair shops, offices, and landlords and rental properties, among other businesses. Acuity offers these businesses a range of coverage options, including liability, property, auto, workers’ compensation, excess liability, packaged coverages, Bis-Pak, inland marine, crime cyber suite, Employee Practices Liability Insurance (EPLI), and equipment breakdown. Businesses can also buy risk management services like loss control and a M.A.S.H. nurse hotline through Acuity Insurance.

Property Insurance: Protect your property with Acuity’s property insurance. The company sells homeowners, condo, and renters insurance to property owners.

Alternative Vehicle Insurance: You can insure ordinary vehicles through Acuity. Acuity also sells insurance for cars, motorcycles, boats, yachts, ATVs, RVs, campers, personal watercraft, snowmobiles, and other alternative vehicles.

Other Insurance Products: Other insurance products available through Acuity include umbrella insurance, identity theft coverage, cyber protection insurance, and other products.

How Does Acuity Auto Insurance Work?

Acuity auto insurance works similarly to the auto insurance provided by other companies. You can buy auto insurance that meets or exceed your state’s minimum limits. Some drivers match the minimum limits, allowing them to legally drive on the road. Other drivers exceed minimum limits for added protection.

Acuity offers all of the following types of auto insurance options:

Liability Coverage: Acuity offers bodily injury liability coverage and property damage liability coverage, both of which are required in most states. This covers any damage you cause to other people or property when driving.

Collision and Comprehensive Coverage: Acuity offers collision and comprehensive coverage, which are optional in every state. If you have full coverage car insurance, then you have collision and comprehensive coverage. Collision and comprehensive coverage cover damage to your own vehicle after an accident or other incident.

Roadside Assistance: Like many insurers, Acuity offers roadside assistance coverage, which covers the cost of emergency assistance on the side of the road – like fuel deliveries or flat tire changes.

Teen Driver Insurance: Like most insurers, Acuity insures teenage drivers. You can add a teenage driver to your car insurance policy to expand coverage.

What Makes Acuity Unique?

Drivers have plenty of options for car insurance, including companies larger than Acuity with more products and services. What makes Acuity unique? How does Acuity differentiate itself from competitors?

Here are some of the advantages offered by Acuity:

Fast Customer Service: Acuity claims to answer 93% of phone calls in 16 seconds or less. The company takes pride in maintaining some of the best, most responsive customer service in the auto insurance industry.

Road and Residence Coverage: Acuity has a unique insurance package called Road and Residence coverage. It’s a combination of property insurance and auto insurance, giving you the advantages of both policies within one package. It’s an ordinary home and auto insurance bundle with a branded name, and you save 20% off the cost of buying separate policies.

Top 5 Carrier According to Collision Repair Shops: Acuity was ranked as the #4 best carrier out of 79 carriers on the annual CRASH Network survey of collision repair shops. Collision repair shops picked Acuity as one of the top five best insurance companies in the United States based on claims satisfaction, coverage, and ease of claims.

Nearly a Century of Experience: Acuity was founded in 1925, which means the company has nearly 100 years of experience insuring drivers across the United States.

The Flagpole: Acuity makes a big deal out of its flagpole, claiming it’s the “world’s tallest symbol of freedom.” That flagpole flies over the company’s headquarters in Sheboygan, Wisconsin.

Acuity Auto Insurance Discounts

Acuity offers similar discounts to other auto insurance companies, although the company also offers several unique discounts we don’t see with other providers.

Discounts available with Acuity include:

Bundling Discounts: Acuity offers a range of insurance products to customers across the United States. If you bundle multiple policies together, then you could save money. If you bundle home and auto insurance through the company’s Road and Residence coverage, for example, then you save 20% off your home and auto insurance.

Vehicle Technology Discounts: Acuity is one of the few companies that reward drivers who buy cars with high-tech crash prevention features. If your vehicle has rear cameras or automatic braking, then Acuity offers a discount on car insurance.

Good Student Discounts: If you have an average of B+ or better while attending school full time, then you could qualify for Acuity’s good student discount. The company offers discounts to full-time students under age 25 who maintain a good GPA.

Incident-Free Discount: If you have had zero incidents in the last 3 to 5 years, then you could receive an incident-free discount from Acuity. Acuity defines incidents as at-fault accidents, speeding tickets, and other citations.

Multi-Car Discount: You don’t need multiple policies to save money on your Acuity insurance plan. If you have multiple vehicles under the same auto insurance plan, then you qualify for a multi-car discount.

Graduate Student Discount: If you are a graduate student, then you can receive a special discount through Acuity.

Accident Prevention Course Discount: Receive a discount from Acuity in exchange for taking an accident prevention course.

How to Get a Quote from Acuity

  1. Visit the Acuity Insurance website at
  2. Click on the “Auto” tab in the main menu at the top of the homepage.
  3. Click on the “Get a Quote” button in the center of the page.
  4. Fill out the online form with your personal information, including your name, address, and driver’s license number.
  5. Provide additional information about your vehicle, including the make, model, and year. Then, select the type of coverage you want and submit the form to receive a quote.

Acuity Ratings & Reviews: What Do Customers Have to Say?

Acuity is well-rated by customers, industry organizations, and others.

The company has an A+ rating from both A.M. Best and Standard & Poor’s, which is a better rating than most insurers of Acuity’s size. Typically, smaller insurers have poorer financial strength ratings than larger insurers because of their smaller customer base. An A+ rating is considered very good, and it indicates Acuity should have no trouble covering customers’ claims.

Acuity is not large enough to appear on J.D. Power’s annual rankings. Acuity is the 59th largest insurance company in the United States, and J.D. Power only analyzes the top 20 largest insurers on a regional and nationwide basis.

However, Acuity has an A+ rating with the Better Business Bureau, with an average rating of 4.41 stars out of 5 based on 140 customer reviews. The company has 12 complaints closed in the last 3 years. Most people don’t take the time to rate their insurer online unless they have a complaint, so a 4.41-star rating is much better than average.

Acuity has similarly strong ratings on Clearsurance (3.99 stars out of 5) and Trustpilot (4.4 stars out of 5), among other review websites. Most customers leave a positive review after a good claims experience. Many customers report that the company quickly and easily handled their claims with minimal hassle, for example.

Our Rating of Acuity

Acuity is a mutual insurance company that provides home, auto, and business insurance products across 22 states in the United States. The company was founded in 1925 and now manages over $4 billion in assets. Acuity offers a range of insurance products, including auto insurance, business insurance, property insurance, and alternative vehicle insurance. They also provide unique packages, such as Road and Residence coverage. Acuity has an A+ rating from A.M. Best and claims to offer fast and responsive customer service.

Customer Satisfaction
Coverage Options
Financial Strength


Acuity is a car insurance company with practical coverage and dependable service, offering policy add-ons like new car replacement coverage, gap insurance, and personal belongings coverage. They receive fewer complaints for service, claims processing, and price than the industry standard. Acuity also has slightly cheaper-than-average rates, but unfortunately they are not available in every state.


Final Word on Acuity

Acuity is not one of America’s largest or best-known insurance companies, but the Sheboygan, Wisconsin-based company differentiates itself from the competition with strong customer service and claims satisfaction.

Acuity offers a range of personal and business insurance products to customers in select states across America. Founded in 1925, Acuity now has over $4 billion in customer assets, along with an A+ financial strength rating from A.M. Best.

To learn more about Acuity or to receive a free estimate, visit online today at

James Shaffer
James Shaffer James Shaffer is a writer for and a well-seasoned auto insurance industry veteran. He has a deep knowledge of insurance rules and regulations and is passionate about helping drivers save money on auto insurance. He is responsible for researching and writing about anything auto insurance-related. He holds a bachelor's degree from Bentley University and his work has been quoted by NBC News, CNN, and The Washington Post.
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