)
Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.
Ashley Cox Senior Managing EditorAshley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
Updated September 4, 2024
Secure. Free. Easy-to-use.
Advertiser Disclosure Advertiser DisclosureAt Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
If you’re a high-risk driver who needs auto insurance coverage, Acceptance Insurance might be worth considering. The company works with drivers with incidents on their records, and it also offers multiple other types of insurance. However, it’s only available in 15 states.
Here’s what you should know about Acceptance auto insurance.
Quick Facts| User Reviews | NR |
|---|---|
| IQ Score |
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Headquartered in Nashville, Tennessee, Acceptance has been around since 1969. The company provides car insurance to high-risk drivers who struggle to secure coverage from other insurers. In addition to auto insurance, Acceptance offers a variety of other products, such as homeowners insurance, pet insurance, life insurance, and hospital indemnity insurance.
Even though Acceptance only serves 15 states, it has more than 700 agents in over 300 neighborhoods. You can purchase a policy online, over the phone, or in person with an agent’s support. [1]
Pros and consOn average, Acceptance car insurance will run you $226 per month for liability coverage and $315 for full coverage. These rates are significantly higher than the national averages of $104 and $211, but this is no surprise, as Acceptance targets high-risk drivers.
If you can’t find coverage through another car insurance company, Acceptance might be an option. Just be prepared to pay higher-than-average premiums.
Prices start as low as $76 per month for high-risk drivers
Secure. Free. Easy-to-use.
Based on 3,806+ reviewsJust like other auto insurance companies, Assurance offers standard coverages, like liability insurance, comprehensive insurance, and collision insurance.
In addition, you can choose from several optional coverages, including:
Roadside assistance may come in handy during emergency situations and includes services like flat-tire replacement, fuel delivery, towing, and jump-starts.
Acceptance partners with Hertz to reimburse you for rental car costs when your car is being repaired following an accident.
If you decide to take your vehicle to Mexico, the company’s Mexico tourist car insurance can provide you with sufficient coverage.
Hospital indemnity protection can come into play if you or a family member sustain injuries after a car accident.
TeleMed is a subscription service that offers virtual access to a doctor 24/7 and may be useful after an accident.
Car insurance requirements and costs vary depending on the state you live in. For example, you might pay more for an auto policy in a highly populated state like Florida than in a smaller state such as Mississippi.
Below is an example of the average monthly cost of Acceptance car insurance in two of the 15 states where coverage is available.
State Average Quote: Liability Only Average Quote: Full CoverageDisclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Your driving record can have a significant effect on your car insurance rates. [2] If you have a history of speeding tickets, at-fault accidents, or DUIs, your premiums will be more than if you maintain a clean record.
The following table outlines the average monthly costs of Acceptance car insurance for people with various types of driving records. As you can see, drivers with a history of DUIs face the most expensive car insurance costs.
Driving History Average Quote: Full Coverage Average Quote: Liability OnlyDisclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance companies, including Acceptance, consider your age when they determine premiums. Teenagers and young drivers typically pay higher rates for auto policies than older drivers with more experience behind the wheel.
The following table shows what Acceptance charges, on average, for different ages.
Age Group Average Monthly QuoteDisclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
While you can get a car insurance quote directly through Acceptance on the company website, Insurify will provide you with multiple quotes so you can easily compare Acceptance with other auto insurance companies and zero in on the best option.
Here’s how to get a quote from Insurify in five minutes or less:
Check quotes from 100+ top insurance companies
Secure. Free. Easy-to-use.
Based on 3,806+ reviewsCar insurance discounts can help you save some money on your auto policy. [3] Some examples of common discounts many insurers offer include a good student discount, anti-theft device discount, loyalty discount, and military discount.
Since Acceptance doesn’t advertise its discounts on its website, it’s a good idea to reach out to the company directly or work with a local agent to find out whether any discounts apply to you and how much you might be able to save.
You can find a variety of insurance types at Acceptance in addition to car insurance, including:
Bundling is when you buy more than one type of insurance product from the same company. Acceptance states that it offers several bundling discounts, including a discount for bundling your auto policy with home or renters insurance. The company encourages you to contact it for more information about its bundling options.
Acceptance holds an A+ rating with the Better Business Bureau (BBB), but it’s important to search online for ratings and reviews from real customers. [4] This can help you gain some insight into how customers perceive the company and how it responds to complaints.
Compared to other insurance companies, Acceptance has limited reviews. Most of the reviews, however, are negative. Customers complain about expensive rates, poor service, and a difficult claims process.
Car insurance companies are often rated for financial strength. A good financial strength rating means a company is likely to pay out claims in a timely fashion, even when demand is high. Insurers also receive ratings for competitive prices, customer satisfaction, and discounts.
Here’s a look at various ratings that Acceptance has received:
Because of the highly saturated car insurance market, it’s wise to see how Acceptance compares to other insurers.
Insurance Company Average Quote: Liability Only Average Quote: Full Coverage IQ ScoreThe Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
)
Direct Auto was founded in 1991 and specializes in non-standard car insurance for high-risk drivers who require SR-22s. Direct Auto has more than 400 locations across the U.S., but you can also receive and manage your policy remotely on the company’s website.
On average, Direct Auto charges $118 for liability coverage and $231 for full coverage monthly. These rates are much lower than Acceptance’s. So, if you’re a high-risk driver, you may be able to save money with Direct Auto. You can always come back to Acceptance if you don’t get approved for a Direct Auto policy.
)
National General has been in the insurance business since 1920. Allstate acquired the company in 2021. More than 55,000 agents serve customers across the country.
A liability-only policy from National General costs $93 per month, while full coverage will run you $193, on average. If you want to lock in the most affordable coverage, you’re more likely to find it through National General than Acceptance. This is particularly true if you’re a safe driver with a clean record, as National General caters to all types of drivers.
)
Since its debut in 1963, The General has also offered insurance under the Permanent General Agency name. In 1997, the company officially became The General.
It typically sells its policies online or via phone. While The General serves various drivers, it also extends coverage to people with poor driving records and bad credit.
Liability coverage with The General costs an average of $112 per month, while full coverage is priced at $237 per month. If you’re seeking cheaper coverage and better service than Acceptance, The General may be a solid pick.
Unlock savings and discounts when you compare rates through Insurify
