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Acceptance auto insurance caters to drivers who can’t find affordable rates from other insurance companies. Read on for our take on Acceptance insurance reviews, coverage, discounts, and more.

Our research team has determined the best auto insurance companies after thoroughly evaluating over 30 of the most popular companies based on financial strength, customer service, cost, availability, coverage, and technology.

A large portion of the Acceptance website is directed at high-risk drivers, people with bad credit, and teens. If you have a clean driving record, Acceptance might not be your first choice for auto insurance. However, if you haven’t been able to find insurance from other companies, Acceptance could be a good option for you. Let’s take a closer look.

We’ve reviewed the best auto insurance providers and recommend you get quotes from multiple of them.

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Acceptance Auto Insurance Overview

Aside from providing coverage for high-risk drivers, Acceptance offers several noteworthy benefits, such as roadside assistance coverage, their Acceptance Express Inspection app, and rental car reimbursement. In addition to auto insurance, Acceptance also offers homeowners, life, commercial, travel, pet, and Telemedicine. On the other hand, Acceptance is not available in all states and has mixed customer service reviews.

Which States Have Acceptance Auto Insurance?

At this time, you can only get Acceptance auto insurance if you live in one of the following states:

Acceptance Auto Insurance Availability

MissouriNevadaNew MexicoOhio
PennsylvaniaSouth CarolinaTennesseeTexas

The nice thing is that Acceptance doesn’t deny coverage if you begin a quote from another location. Instead, it will start a comparison quote with providers in your area through EverQuote.

Acceptance Auto Insurance Coverage

With Acceptance auto insurance, you can find coverage options that satisfies the minimum requirements in your state. As a full-service provider, Acceptance offers the six standard types of insurance:

To learn more, read our full breakdown of the standard types of car insurance.


Acceptance auto insurance offers two more coverage options beyond the standard choices.

  • Roadside assistance: covers towing, fluid delivery, flat tires, jumpstarts, and lockout services
  • Rental car reimbursement: pays rental car costs after a covered accident

Acceptance claims to specialize in coverage for hard-to-insure drivers. This includes:

  • Bad credit
  • SR-22
  • High-risk
  • Non-owner
  • Senior
  • Teenager

Most of these categories don’t cater to good drivers. If a company insures a lot of risky drivers, rates will be higher for everyone.

Acceptance Auto Insurance Cost, Factors And Discounts

According to our cost research, the average driver pays $1,732 per year for comprehensive car insurance coverage. Car insurance prices from Acceptance Auto Insurance will vary depending on your individual situation. Factors that can affect your insurance rate include:

  • Driving habits (for usage-based insurance)
  • Driving history
  • Experience behind the wheel
  • The car that you drive
  • Recent claims (rates rise an average of 31 percent following a claim)
  • Frequency of natural disasters in your area
  • New, high-tech vehicles entering your local marketplace

To provide you with a better picture of insurance premium costs, we’ve compiled data below showing average cost estimates from leading car insurance providers. Our information is based on a 35-year-old driver with a clean driving record and a good credit score.

Car Insurance ProviderAverage Annual Cost Estimate
State Farm$1,339
The Hartford$2,166

Acceptance Discounts

Acceptance auto insurance discounts are a bit hard to find. In fact, the company doesn’t list any discounts on its main site. A number of local Acceptance agency webpages mention that the company provides discounts, but the identity of those discounts is a mystery. However, Acceptance is an average auto insurance provider, so you might be able to find some of the discounts listed below depending on your location and situation:

  • Good driving discount
  • Good student discount
  • Claim-free discounts
  • Low-mileage discounts
  • Accident forgiveness
  • Gap insurance

Remember, these are just a few discounts and extras that are common to the industry. You may or may not find them when you shop for Acceptance auto insurance.

Acceptance Auto Insurance Reviews

Acceptance auto insurance tends to get average to poor ratings from different review sources. While it does have an A+ rating with the Better Business Bureau (BBB), the reviews and complaints on its BBB pages aren’t as positive.

Problems With Claims And Communication

In looking over the company’s reviews, an interesting pattern emerges. A large number of reviews are written by drivers who don’t have Acceptance insurance but who got in an accident with one of the company’s insured drivers.

According to many of the reviewers, some Acceptance insurance agents will go days and weeks without contacting them or returning calls about the claim. One reviewer said that the repair shop they were dealing with held Acceptance in low regard for issues with claims. Another reviewer said that getting hit by an Acceptance-insured driver is worse than getting hit by an uninsured motorist. Finally, someone reported that their car was totaled by a driver with Acceptance auto insurance. At the time of the review, over 30 days had passed, and the reviewer hadn’t heard from an adjuster or agent at Acceptance.

Application And Cancellation Fees

On the BBB complaint page for Acceptance auto insurance, another issue comes up. In one complaint, the customer began a policy, realized it was too expensive, and canceled it on the same day. Acceptance refunded their money minus $85 – which included a $50 cancellation fee and a non-refundable $35 application fee. According to the response by Acceptance, the cancellation fee applies when a customer cancels their policy within 30 days.

Some insurance companies charge cancellation fees, though $50 is a little expensive. However, not many companies charge new customers a fee just to start a policy. Application fees are more common in the world of risky credit cards, not automobile insurance companies. You might pay a down payment upfront, but that usually applies to your premium for the rest of the term. Of course, these fees can vary by state, so there’s no guarantee you’ll find them on your personal quote from Acceptance.

Does Acceptance Have A Grace Period?

According to the BBB complaint mentioned above, it doesn’t seem that Acceptance auto insurance has a grace period. Also, the search term “grace period” doesn’t bring back any results from the company’s website. It’s possible that some customers may get a grace period according to their state’s regulations, but it’s not guaranteed.


Acceptance does not have its own proprietary smartphone app, but does allow users to submit claims using the Express Vehicle Inspection app. While some claim that it works well and is easy-to-use, there are many customer complaints of the app not working.

Express Vehicle Inspection has a rating of 2.2 out of 5.0 in the Google Play store (based on more than 230 reviews) and a 2.1 out of 5.0 in the Apple App store (based on more than 60 reviews). This app does not appear to function very well for most of the customers who use it.

Acceptance Auto Insurance Rating: 3.3 Stars

If you’re a high-risk driver with a few claims on your record, Acceptance auto insurance could be a good fit – after all, it’s called Acceptance for a reason. Its website has sections for people with bad credit, poor driving records, and SR-22 requirements.

Acceptance Auto Insurance Pros And Cons

Pros Good coverage for high-risk drivers
Cons Not available in all states Limited customer service hours More expensive for good drivers Average to poor customer service reviews


If you have a decent driving history, we think you could find better deals by shopping around for cheap car insurance. If Acceptance insures a higher portion of risky drivers, the good drivers pick up the tab. To see what other options are out there, call (844) 246-8209 or use this tool:

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Here are some other auto insurance providers to consider, aside from Acceptance Insurance.

Geico Car Insurance: Best Overall

Recently, we reviewed a number of the best car insurance providers and ranked them on things like customer service, financial strength, and cost. In our Geico review, Geico finished in second place. (USAA came in first, though it has restricted eligibility requirements.)

Geico ranked highest among large insurers in the J.D. Power 2021 U.S. Insurance Shopping Study and ranked well in the 2021 U.S. Auto Insurance Study.

Geico has a strong financial rating of A++ from AM Best, which means it can handle its claims obligations easily. It also insures a mix of low- and high-risk drivers, so it can give people affordable rates. Try comparing your Geico quote against your Acceptance quote to see which is better.

Progressive Car Insurance: Best For High-Risk Drivers

Progressive is also a top-five insurance company on our list. The company has been around since 1937 and is one of the biggest car insurance companies in the U.S. Progressive can give you a number of standard discounts based on your driving, your company loyalty, and how you buy your quote. In addition to these discounts, there are a few more ways to save:

  • Deductible Savings Bank: Get $50 toward your deductible for every claim-free period.
  • Small Accident Forgiveness: Your first claim won’t increase your rate if it’s for less than $500.
  • Large Accident Forgiveness: After being with Progressive for five years, your next accident won’t increase your rates as long as you’ve been accident-free for the past three years.

Along with Geico, Progressive offers some of the most affordable rates to many drivers. It’s particularly affordable for drivers in California. Unfortunately, it didn’t perform as well as Geico on the 2021 J.D. Power’s Claims Satisfaction Study – participants rated its claims process as average for the industry. However, it’s still a strong option, and you can reach an agent any time of day. If you’re interested in learning more about Progressive, read our Progressive insurance review.


In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.

  • Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
  • Availability: We consider availability by state as well as exclusions for specific groups of drivers.
  • Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
  • Cost and Discounts: Our research team reviews sample quotes for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
  • Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
  • Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.