Chris Tepedino is a feature writer that has written extensively about car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, research investigative pieces…

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states…

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Reviewed byRachael Brennan
Licensed Insurance Agent for 14 Years

UPDATED: Sep 5, 2020

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Rating: ☆☆☆☆☆ 

Acuity has been around since 1925. Although the company is starting to grow their online presence and re-tool their business model for the digital age, much of their interactions with customers still relies heavily on in-person meetings with a local agent, or speaking with them over the phone. They underwrite a wide variety of insurance products, from auto to home to motorcycle and beyond. Their headquarters is located in Sheboygan, WI.

Acuity Insurance Review

Acuity has a strong history of good customer service, according to their clients and the apparent lack of complaints on both the BBB website and the NAIC Complaint Index. They also have an “A+ Superior” rating from A.M. Best, assuring would-be customers that paying out on claims shouldn’t be a problem at any point in the near future.

Ratings AgencyRating
AM Best Financial Strength Rating (2015)A+
Better Business Bureau Rating (2013)A+
NAIC Complaint Index (2012)0.44 (Better than Average)

Acuity Insurance Discounts

Acuity has a modest number of discounts that it offers, which include:

  • A multi-vehicle discount
  • Good student/graduate discount
  • More vehicles than drivers discount
  • Safe Driver discount

Sadly, there’s no specific information on the company website that says exactly how much money these discounts can save you as a percentage of your monthly premium. But you can contact a local agent near you and ask them directly over the phone for the exact numbers.

Acuity Auto Insurance Options

  • Standard Liability Coverage
  • PIP
  • Medical Payments
  • Car Damage
  • Uninsured/Underinsured Motorist Coverage
  • Personal Auto Enhancements Endorsement

It should be noted that the Personal Injury Protection (PIP) and Uninsured/Underinsured coverages may not be available in all of the 22 states in which Acuity is currently operating. In fact, it is highly likely that you will only have the option to purchase those coverages if your state legally requires you to. Additionally, Acuity doesn’t offer “Collision/Comprehensive”; they offer “Car Damage” coverage and “Personal Auto Enhancements Endorsement” coverage. These coverages work in a similar fashion to Comprehensive/Collision, but don’t just take it for granted that they will work exactly the same way. Be sure to protect yourself by reading the fine print before signing anything.

Comparing Acuity Insurance Quotes

Acuity is very selective and guarded about their quotes. If you want a free quote from this company, you’re going to have to divulge a lot of personal information before they can give you an estimate.

Comparing Auto Insurance Quotes Legend: Allstate State Farm Mercury Average Rate Illinois Average California Average Texas Average Florida Average New York Average 30 60 90 120 150 180 210 240 270 300 330 $52 $34 $89 $34 $146 $139 $88 $64 $71 $89 $260 $105 $147 $230 $353 $126 $72 $93 $231 $93

In the chart above, you can see the estimates from different major companies in different parts of the country for middle-aged drivers who own their home, have good credit, and drive a Honda Accord. Naturally, your circumstances might be quite different from our example – which is why it’s so important to get multiple quotes before you buy a policy.

Pros and Cons of Acuity Insurance

Ratings and complaints recorded from industry organizations are favorable and healthyQuotes cannot be obtained anonymously either over the phone or online
The company offers alternative types of coverage that don’t conform to most “cookie-cutter” insurance plansLocal agents do not seem that well-versed in benefits or features of Acuity’s auto insurance

Since Acuity’s business model has been operating and thriving for more than 90 years, they’ve got to be doing something right. However, as times change, their adherence to local and face-to-face business practices may be holding them back. It also makes it difficult for drivers like you to get accurate quote information from them so that you can compare them to the competition and make sure you are getting the best deal.

Corporate Headquarters
P.O. Box 58
Sheboygan, WI 53082-0058
Phone: 920-458-9131
Fax: 920-458-1618