Is Acceptance Auto Insurance Good?

Last Updated on March 16, 2020

Acceptance Insurance is a Nashville-based insurance company offering car insurance in 17 states. As with any insurance company, there are pros and cons of getting car insurance through Acceptance.

Acceptance offers car insurance quotes online, over the phone, and through local agents. The company sells insurance in 17 states, although it continues to expand to other states.

Acceptance is best-known for its non-standard car insurance policies. The company sells products like high-risk car insurance or SR-22 insurance, for example. For some high-risk drivers, Acceptance may be one of the few insurance companies available.

Is Acceptance a good auto insurance company? Keep reading to discover everything you need to know about whether or not Acceptance auto insurance is good.

Is Acceptance Auto Insurance Good?

What is Acceptance Insurance?

Acceptance Insurance is an insurance company headquartered in Nashville, Tennessee.

In addition to offering its own insurance products, Acceptance has partnered with larger carriers to offer a diverse range of insurance policies.

Today, Acceptance offers a range of insurance products, including auto insurance, motorcycle insurance, roadside assistance, renters insurance, homeowners insurance, commercial insurance, pet insurance, life insurance, and travel insurance.

You can request a free quote from Acceptance at You can also contact local Acceptance agents directly to get a quote.

Where Does Acceptance Insurance Operate?

Acceptance Insurance offers insurance products to customers in Alabama, Arizona, California, Florida, Georgia, Illinois, Indiana, Mississippi, Missouri, Nevada, New Mexico, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, and Virginia.

Acceptance operates offices in all of these states.

What Makes Acceptance Insurance Different?

Acceptance Insurance emphasizes a personal approach to insurance. The company’s official slogan is, “We live where you do”. Acceptance employs over 700 agents and maintains 300 neighborhood locations. The goal, according to the official website, is to “give you the service, respect, and savings you deserve.”

Acceptance Insurance is particularly well-known for its high-risk car insurance policies, including its SR-22 insurance. If you are unable to get insurance through traditional insurance providers, then Acceptance may be one of the few options available to you.

Acceptance also serves another category of high-risk drivers: young drivers. Some young drivers find that Acceptance offers lower rates than competing insurance providers.

Most drivers, however, will find that Acceptance offers more expensive rates than many competing insurance companies. If you are a safe driver with a long history of claim-free driving, then you should be able to get cheaper quotes from other insurance companies.

Acceptance offers something that we don’t see with many other providers: the company has a program called TicketProof. Drivers pay $15 per month and will be reimbursed for certain minor traffic infractions. If you are caught speeding 15mph above the speed limit or less, for example, then Acceptance’s TicketProof program would reimburse your ticket fine any related legal fees up to $650. TicketProof also includes roadside assistance coverage.

Aside from these unique features, however, Acceptance offers high-risk auto insurance at a high price tag.

Acceptance Insurance Reviews and Ratings

Acceptance Insurance has a C++ or “Marginal” rating from A.M. Best, the organization that tracks the financial strength of insurance companies across the country.

That is a very bad financial strength rating compared to other major insurance companies in the United States. A rating of C++ or Marginal indicates that Acceptance may not be able to cover all of its liabilities in certain situations. If the company faces a sudden surge in claims – say, due to a widespread disaster in its covered area – then the company could face financial pressure.

For comparison, most major insurance companies in the United States have a rating of A- or higher. Few major insurance companies have a rating below B.

Acceptance Insurance has an A- rating with the Better Business Bureau. The company has been accredited by the BBB since 1998.

Acceptance Car Insurance Discounts and Features

Acceptance specializes in offering car insurance, and the company particularly caters to high-risk drivers, including young drivers or drivers who require SR-22 proof of insurance certificates.

Some unique features of Acceptance include:

SR-22 Insurance: Certain high-risk drivers are required to get an SR-22 certificate to buy car insurance. Acceptance offers SR-22 insurance to these drivers.

TicketProof: Acceptance offers a ticket reimbursement program. If you are convicted of a minor traffic offense, like running a stop sign or speeding 15mph over the speed limit or less, then Acceptance will pay your fine and certain legal fees, up to $650 per year. TicketProof also includes roadside assistance. You can add TicketProof to your policy for $15 per month. Few other insurance companies offer a program like this.

Prescription Drug Discounts: Acceptance also offers something many insurers don’t offer: a prescription drug discount plan. You can add this program to your policy for $3 per month, then receive a 20% discount on prescription drugs. This discount applies to any type of medication – regardless of whether you need medication for car accident injuries. Again, this is something few other car insurance companies offer (although it’s more common among health insurance providers).

Hospital Indemnity: Acceptance’s indemnity coverage will pay for hospital expenses up to $125 per day if you are admitted to hospital as a result of a car accident. The company also provides death and dismemberment coverage up to $10,000. You can add hospital indemnity, which is similar to health insurance, to your policy for around $8 per month.

Accidental Death: For an extra $10 per month, Acceptance will add accidental death coverage to your car insurance policy. This coverage covers drivers and passengers who die in a car accident.

Acceptance Car Insurance Coverage Options

In addition to the unique car insurance coverage options above, Acceptance offers a range of standard car insurance coverages, including:

Liability Coverage: Liability coverage is legally required in most states. It covers damage you cause to someone else’s property or the medical expenses of anyone you injure while driving.

Collision Coverage: Collision coverage covers damage to your own vehicle after a collision.

Comprehensive Coverage: Acceptance’s comprehensive coverage covers non-accident-related damages, including theft, vandalism, storm damage, and other issues.

Uninsured Motorist Coverage: Acceptance offers uninsured motorist bodily injury coverage and uninsured motorist property damage coverage, which cover damage to your vehicle after a collision with an uninsured driver (or certain hit-and-run situations).

Medical Payments Coverage: Medical payments coverage functions similar to health insurance, covering certain medical bills in certain situations.

Roadside Assistance Coverage: Roadside assistance coverage covers towing, gas delivery, tire changes, and other issues.

Rental Car Reimbursement: Acceptance may cover the cost of a rental car if your normal car is being repaired after an accident.

Final Word: Is Acceptance a Good Car Insurance Company?

Acceptance specializes in insuring certain types of drivers, including high-risk drivers, drivers requiring SR-22 certificates, and young drivers. All of these drivers will pay higher rates than average for car insurance.

Because Acceptance specializes in high-risk drivers, it’s not generally a competitive option for low or medium-risk drivers. If you have a safe driving record, then you should be able to find cheaper premiums with other companies.

Acceptance charges higher premiums than most other car insurance companies in America. However, some people like Acceptance because of unique programs like TicketProof, which covers certain tickets and legal fees up to $650.

Ultimately, Acceptance is not considered one of the top car insurance companies in the United States. For certain high-risk drivers in certain situations, however, Acceptance may be one of the few companies that “accepts” your application.

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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