Acuity Auto Insurance Review for 2024

Acuity auto insurance is not sold online, and the company uses independent agents to sell its policies. Acuity Insurance Company has an A+ rating with A.M. Best, which is a solid financial status, and has been in business since 1925. Acuity auto insurance rates can be lowered by bundling with home insurance.

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Sara Routhier

Sr. Director of Content

Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Jimmy McMillan

Licensed Insurance Agent

Jimmy McMillan is an entrepreneur and the founder of, an independent insurance brokerage. His company specializes in insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast Modern Li...

Licensed Insurance Agent

UPDATED: Nov 27, 2023

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

In this Acuity auto insurance review, we’ll look at the company’s reputation and its products. Although Acuity auto insurance rates aren’t offered online, we will discuss what you can expect from the company in terms of cost.

Before you decide to buy Acuity auto insurance, take the time to look at your options. Get fast, free quotes for auto insurance when you enter your ZIP code above.

Acuity Auto Insurance Ratings

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. It also has 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 Agency Rating
AM Best Financial Strength Rating (2015) A+
Better Business Bureau Rating (2013) A+
NAIC Complaint Index (2012) 0.44 (Better than Average)

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Acuity Auto 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 Coverage Options

Acuity offers basic and full coverage insurance policies

  • 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 Auto 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 QuotesLegend: Allstate State Farm Mercury Average Rate Illinois AverageCalifornia AverageTexas AverageFlorida AverageNew York Average 306090120150180210240270300330$52$34$89$34$146$139$88$64$71$89$260$105$147$230$353$126$72$93$231$93

Illinois Average
California Average
Texas Average
Florida Average
New York Average







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 homes, 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.

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Pros and Cons of Acuity Auto Insurance

Pros Cons
Ratings and complaints recorded from industry organizations are favorable and healthy Quotes 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 plans Local agents do not seem that well-versed in the 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.

What is Acuity Insurance’s contact information?

Contact Acuity by mail, phone, or online.

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

Acuity Auto Insurance: The Bottom Line

There may be an affordable Acuity auto insurance policy available to you, but since they don’t offer online quotes we can’t provide the numbers. Acuity has good ratings and has been around a long time, but we recommend that you shop around before you make a decision.

Before you take the time to contact Acuity Insurance, get auto insurance quotes right here for free. Enter your ZIP code to get started.

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