Acceptance Auto Insurance Review for 2024

Acceptance auto insurance rates can be as low as $156/month, but rates vary based on location and driving record. Even if you have a bad driving record, Acceptance Auto Insurance Company will likely be able to cover you. Acceptance auto insurance policies are offered to drivers that don't qualify with other insurance companies. Shop around to find the best rate regardless of your driving history.

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Laura Kuhl

Managing Content Editor

Laura Kuhl holds a Master’s Degree in Professional Writing from the University of North Carolina at Wilmington. Her career began in healthcare and wellness, creating lifestyle content for doctors, dentists, and other healthcare and holistic professionals. In 2018, she started writing for the cannabis industry. She curated news articles and insider interviews with investors and small business ...

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Brandon Frady

Licensed Insurance Agent

Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...

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UPDATED: Nov 27, 2023

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“You. Your Terms. Accepted.” That is the registered motto of Acceptance Auto Insurance. And it’s a very appropriate one considering the fact that their financial products are marketed toward the “non-standard” automotive insurance customer.

Acceptance insurance promises to take care of you, your vehicle, and to offer you the coverage you need when other companies reject you for coverage or cancel your policy. Most of the time, these cancellations/rejections are the result of a DUI, bad credit, the need for SR-22 coverage, or if you have a teenage driver on your policy (among other conditions). Companies like Acceptance give drivers who have fallen on hard times or under unfortunate circumstances to work their way back up.

This Acceptance auto insurance review will cover the details of the company’s policies and reputation. We’ll look at Acceptance auto insurance rates and how they stack up.

Before you decide to buy Acceptance auto insurance, be sure you’ve compared your options. Enter your ZIP code above for fast, free quotes.

Acceptance Auto Insurance Ratings

It’s important, when choosing a company, to look at reviews from multiple different sources. AM Best rates the financial strength of Acceptance a “B”, or “Fair”, and claims that their ability to pay out claims in the near future is stable. The Better Business Bureau has given them an A+ rating based on 20 different customer reviews with an average rating of 3.7/5 stars. On the NAIC Complaint Index, however, there are above the national median with an average rating of 2.57.

Ratings Agency Rating
AM Best Financial Rating (2015) B (Fair)
Better Business Bureau Rating (2016) A+
NAIC Complaint Index (2012, Average) 2.57 (vs. National Median of 1.31)


Bear in mind that the high-risk auto insurance market is a tough one. It’s not uncommon to see poor ratings.

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Acceptance Auto Insurance Discounts

With a policy from Acceptance, you could be eligible for the following discounts:

  • Owning your own home
  • Proof of prior insurance
  • Marriage
  • Multi-car policy
  • Electronic payments

Unfortunately, they don’t advertise how much you will save on your policy if you qualify for one or more of these discounts. If you decide to get a personalized quote from an Acceptance Auto Insurance agent, make sure you ask them for exact numbers. This can help you calculate costs and figure out if Acceptance is offering the best deal.

Acceptance Auto Insurance Coverage Options

Acceptance keeps its policies simple. They offer basic liability coverage required by state law and additional forms of coverage (such as PIP) in states like Florida where the additional coverage is mandatory. Comprehensive and Uninsured/Underinsured coverage are offered as additional options in most states unless state law requires you to purchase them as well.

Comparing Acceptance Auto Insurance Quotes

If you’ve been rejected by other companies due to high-risk circumstances such as poor credit, SR-22 coverage, or being a young driver, you might have fewer potential companies to choose from. But that just makes comparison shopping that much more important. For example, a single renter and a married homeowner in Florida might be expected to pay:

Acceptance Insurance Quote ComparisonLegend: Acceptance Local Option #1 Local Option #2 Local Option #3 Single Renter (Male)Married Homeowner 50100150200250300350400450500$514$172$523$260$490$156$512$193

Single Renter (Male)
Married Homeowner




(*Results based on Tampa residents driving a 2010 Toyota Camry)

Now there are some clearly different rates from one company to another. Some providers are offering better prices than Acceptance, while some are significantly lower. However, the numbers above are estimates and won’t apply to every single shopper. You also have to decide whether choosing a cheaper company will require that you sacrifice high-quality customer service or a more efficient claims process.

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Pros and Cons of Acceptance Auto Insurance

Pros Cons
Specializes in auto insurance for non-standard or high-risk drivers Prices for standard drivers more expensive than other insurers’
Quick, simple online quote process Actually purchasing a policy requires more work
Claims processing is not 24 hours a day, and the office is closed on Sunday

If you need a policy from Acceptance because no other local company will cover you, there’s a chance you might have to put up with a higher monthly premium while you rebuild your credit and driving history. And, unfortunately, there isn’t 24/7 customer service support for claims. However, they do provide motorists who might otherwise not be able to drive legally with a legal option. And for some people, that opportunity is very valuable.

Where is Acceptance auto insurance located?

Here’s all of the Acceptance auto insurance contact information you might need:

Corporate Headquarters:

300 West Broadway Suite 215
Council Bluffs, IA 51503

Phone: 712-329-3600
Fax: 712-329-3834

Acceptance Auto Insurance: The Bottom Line

Affordable Acceptance auto insurance may be available to you, even if you are a high-risk driver. The company’s rates are higher than a standard company, but they can provide coverage to nearly any driver regardless of driving record.

If you’re a high-risk driver, shop around before you decide on Acceptance auto insurance. Compare insurance quotes for free when you enter your ZIP code below.

Free Auto Insurance Comparison

Enter your ZIP code below to compare auto insurance rates.

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