Acceptance Insurance Review 2026: Is This High-Risk Specialist Worth Your Money?

Introduction

Nearly 1 in 8 American drivers are considered “high-risk” due to DUIs, accidents, or poor credit and many are paying 50-70% more for car insurance than standard drivers. If you’ve been turned down by major insurers or received sky-high quotes, you’re not alone. But here’s what most people don’t realize: specialized insurers like Acceptance Insurance exist specifically to serve drivers others won’t touch.

The question is: does Acceptance offer genuine value, or are you just settling for whatever you can get?

This comprehensive Acceptance Insurance review for 2026 cuts through the marketing noise to give you the facts. We’ll examine real costs, actual customer experiences, complaint data, and whether this Nashville-based insurer truly delivers on its promise of accessible coverage for high-risk drivers.

What Is Acceptance Insurance? Understanding the High-Risk Specialist

Acceptance Insurance is a brand operated by First Acceptance Insurance Company, headquartered in Nashville, Tennessee. Founded as a nonstandard auto insurer, Acceptance specializes in providing coverage to drivers who struggle to find policies elsewhere due to:

• Poor credit scores (below 580)
• DUI or DWI convictions on their record
• Multiple at-fault accidents in recent years
• License suspensions or revocations
• Lapses in previous coverage
• Teen or new drivers with no insurance history

The Confie Acquisition: What Changed in 2023-2024

In December 2023, Acceptance was acquired by Confie, one of the largest insurance agencies in the United States. While the company continues operating under the Acceptance brand, this merger has implications for customers:

• Expanded agency network: Access to more third-party insurers through Confie’s partnerships
• Technology improvements: Enhanced digital tools for policy management
• Brand continuity: Policies still underwritten primarily by First Acceptance Insurance Company

How Acceptance Works: Direct Insurer vs. Agency Model

Acceptance operates through a dual structure that confuses many shoppers:

1. Direct underwriting: First Acceptance Insurance Company underwrites policies directly for high-risk auto insurance
2. Agency services: Acceptance Insurance Agency connects customers with third-party insurers for home, life, and sometimes auto coverage

What this means for you: When you get a quote from Acceptance, you might receive coverage directly from First Acceptance, or you might be matched with a partner insurer. Your actual coverage, rates, and claims process depend on which underwriter issues your policy.

Image Suggestion 1: Infographic showing “How Acceptance Insurance Works: Direct vs. Agency Model”
Alt Text: Diagram illustrating Acceptance Insurance’s dual model with direct underwriting and agency partnerships for different insurance products

Why Insurance Is So Expensive for High-Risk Drivers in 2026

Before diving into Acceptance’s specific offerings, it’s crucial to understand why high-risk drivers face such steep premiums and why 2026 rates are particularly challenging.

The Current State of Auto Insurance Costs

According to recent industry data:

• Average full coverage cost (2025): $2,671 per year
• Average minimum coverage cost (2025): $806 per year
• High-risk driver surcharge: 50-300% above standard rates

Why the increase? Several factors are driving rates higher:

1. Vehicle repair costs: Modern cars with advanced technology cost 30-40% more to repair than vehicles from just five years ago
2. Medical claim inflation: Healthcare costs continue rising, increasing injury claim payouts
3. Distracted driving epidemic: Despite awareness campaigns, accident rates remain elevated
4. Climate-related claims: More frequent severe weather events increase comprehensive claims
5. Insurance fraud: Fraudulent claims cost the industry $32 billion annually, costs passed to all policyholders

What Makes You “High-Risk” in an Insurer’s Eyes

Insurance companies use sophisticated algorithms to assess risk. You’re likely flagged as high-risk if you have:

• DUI/DWI conviction: Increases premiums by 70-300% for 3-5 years
• At-fault accident: Adds 20-50% to premiums for 3-5 years
• Multiple speeding tickets: 15-30% increase per violation
• Credit score below 600: Can double your rates in most states
• Coverage lapse: Even a 30-day gap can trigger 8-25% increases

The bottom line: If you’re reading this Acceptance Insurance review, you’re probably facing premium increases of $1,000-$3,000 annually compared to standard drivers. The question is whether Acceptance can offer better value than your alternatives.

Acceptance Auto Insurance Review 2026: Coverage, Costs, and Complaints

Available Coverage Options

Acceptance offers standard auto insurance coverage types, though options vary by state and underwriter:

Basic Coverage (Required in Most States)

• Liability insurance: Covers injuries and property damage you cause to others
• Personal Injury Protection (PIP): Pays your medical bills regardless of fault (required in no-fault states)
• Uninsured/Underinsured Motorist (UM/UIM): Protects you when hit by drivers without adequate coverage

Optional Coverage

• Comprehensive: Covers non-collision damage (theft, weather, vandalism, animal strikes)
• Collision: Pays for your vehicle damage in accidents
• Rental reimbursement: Covers rental car costs while your vehicle is repaired
• Gap insurance: Pays the difference between your loan balance and vehicle value if totaled
• Non-owner insurance: Coverage for drivers who don’t own a vehicle but need to meet SR-22 requirements

Specialized Services

• SR-22 filing: Certificate of financial responsibility required after serious violations (available in all states except Florida and Virginia, which use FR-44)
• FR-44 filing: Higher coverage requirement in Florida and Virginia for DUI offenses
• Hospital indemnity plan: Helps cover out-of-pocket medical expenses after accidents

What’s Missing: Coverage Limitations

Unlike standard insurers, Acceptance does not offer:

• Rideshare coverage (Uber/Lyft drivers)
• Classic or collector car insurance (through direct underwriting)
• Usage-based insurance (telematics/mileage tracking discounts)
• Accident forgiveness programs
• Vanishing deductible rewards

Verdict: Acceptance provides essential coverage for high-risk drivers but lacks the bells and whistles of standard insurers. If you need basic legal compliance and SR-22 filing, you’re covered. If you want comprehensive protection options, you’ll need to look elsewhere.

Acceptance Car Insurance Costs: What to Expect

The transparency problem: Acceptance does not publish average rates, and individual quotes vary dramatically based on your risk profile. However, industry analysis and customer reports suggest:

Estimated Annual Premiums (High-Risk Drivers):

• Minimum coverage: $1,200-$2,400
• Full coverage: $3,000-$6,000+

Factors affecting your Acceptance quote:

• Severity and recency of violations
• State requirements and regulations
• Vehicle make, model, and age
• Coverage limits and deductibles selected
• Bundling opportunities

Comparison context: According to insurance industry data, high-risk drivers through standard insurers pay 70-300% more than average. Acceptance’s rates typically fall in the middle of the nonstandard insurance market not the cheapest, but not the most expensive either.

Available Discounts to Lower Your Costs

Acceptance offers several discounts, though availability varies by state and underwriter:

• Multi-policy discount: Bundle auto with renters, home, or life insurance (typically 5-15% savings)
• Multi-vehicle discount: Insure multiple cars on one policy (5-20% off)
• Good driver discount: Maintain a clean record for a specified period (varies by underwriter)
• Good student discount: Students with 3.0+ GPA or B average (typically 5-10% off)
• Defensive driving course: Complete an approved course for temporary discount (5-10%)
• Automatic payment discount: Set up autopay (typically $5-10 per month)
• Paperless discount: Receive documents electronically (typically $2-5 per month)
• Prior insurance discount: Maintain coverage with previous insurer for 6+ months
• Anti-theft device discount: Factory-installed or aftermarket systems

Pro tip: Stack discounts when possible. A customer with multi-policy, paperless, and automatic payment discounts might save 15-25% off their base rate.

Customer Complaints: The Red Flag in This Review

Here’s where Acceptance’s value proposition gets complicated. Both independent reviews and regulatory data reveal a concerning pattern of customer complaints.

NAIC Complaint Data (National Association of Insurance Commissioners)

According to the most recent three-year complaint data:

• Acceptance complaint ratio: 3-4x higher than the industry average
• Primary complaint categories: Claims handling, policy cancellations, billing disputes, customer service responsiveness

What this means: For every 1,000 policies, Acceptance generates significantly more complaints than comparable insurers. This doesn’t mean every customer has problems, but it does indicate systemic issues.

Real Customer Reviews: The Good and The Bad

Positive experiences reported:

• “Finally found coverage after being rejected by 5 other companies” (Reddit user, August 2023)
• “Affordable rates considering my DUI and two accidents”
• “SR-22 filing was handled quickly.”
• “The local agent was helpful during the quote process.”

Negative experiences reported:

• “They deny claims for any possible reason they can find.” (Yelp review, June 2023)
• “Customer service is nearly impossible to reach.”
• “The policy was canceled for being a few days late on payment, then they denied my accident claim.”
• “Cheap rates until you need to file a claim, then you understand why it’s cheap.”

The Pennsylvania Fine: What Happened?

In March 2023, Pennsylvania Insurance Commissioner Michael Humphreys fined First Acceptance Insurance Company for adding optional third-party coverage to policies without customer knowledge or approval. The company faced penalties and mandatory follow-up examinations.

What this reveals: Regulatory oversight identified systematic problems with policy administration and customer consent issues that directly impact consumer trust.

State Availability: Where Can You Get Acceptance Insurance?

Acceptance operates in only 13-15 states (sources vary slightly):

Confirmed states:

• Alabama
• Arizona
• California
• Florida
• Georgia
• Illinois
• Indiana
• Mississippi
• Ohio
• Pennsylvania
• South Carolina
• Tennessee
• Texas

Possibly available:

• Missouri
• Virginia

The limitation: If you live outside these states, Acceptance isn’t an option. You’ll need to explore other nonstandard insurers like Dairyland, Bristol West, or The General.

Acceptance Home Insurance Review 2026: What You Need to Know

The Complicated Home Insurance Situation

Here’s what makes Acceptance home insurance confusing: First Acceptance Insurance Company doesn’t directly underwrite standard homeowners policies. Instead:

1. Acceptance Insurance Agency acts as an intermediary
2. Third-party insurers actually underwrite your home coverage
3. You might not know which company backs your policy until after purchase

Available Home Insurance Coverage

Through its agency partnerships, Acceptance offers standard homeowners coverage:

• Dwelling coverage: Repairs or rebuilds your home after covered damage
• Personal property coverage: Replaces your belongings
• Liability coverage: Protects you if someone is injured on your property
• Additional living expenses (loss of use): Pays for temporary housing after covered damage
• Medical payments: Covers guest injuries regardless of fault

Home Insurance Costs and Availability

Average homeowners insurance cost (2025 national average): $2,408 per year for $300,000 dwelling coverage

Acceptance-specific costs: Not publicly available

The challenge: Since Acceptance partners with multiple insurers, your actual premium depends entirely on which underwriter accepts your application. High-risk homeowners (poor credit, previous claims, older homes, high-risk locations) will pay substantially more than average.

Renters Insurance: The Direct Option

Unlike homeowners coverage, First Acceptance does directly underwrite renters insurance policies. This provides:

• Personal property coverage
• Liability protection
• Additional living expenses
• Medical payments to others

Renters insurance through Acceptance typically costs $15-30 per month, though rates vary by location and coverage amount.

Home Insurance Complaints and Considerations

The transparency problem persists: Because home coverage comes from third-party insurers, complaint data and claims experience vary dramatically depending on your actual underwriter.

Questions to ask before purchasing:

• Which company will underwrite my policy?
• What is that company’s financial strength rating?
• What is their complaint ratio with state regulators?
• Can I access policy management and claims online?

Acceptance Life Insurance Review 2026: Limited but Available

What Acceptance Offers

Acceptance sells term life insurance through partner insurers. Term life provides:

• Coverage for a specific period (typically 10, 20, or 30 years)
• Death benefit paid to beneficiaries if you die during the term
• Lower premiums than permanent life insurance
• No cash value accumulation

What’s Missing

Acceptance does not offer:

• Whole life insurance
• Universal life insurance
• Variable life insurance
• Return-of-premium term policies

Life Insurance Costs

Life insurance pricing depends heavily on:

• Your age
• Health status and medical history
• Coverage amount
• Term length
• Tobacco use

Example pricing (healthy 35-year-old non-smoker):

• $250,000, 20-year term: $15-25 per month
• $500,000, 20-year term: $25-40 per month

The Acceptance factor: Since Acceptance acts as an agency for life insurance, your actual rates depend on the underwriting partner. You may find better rates shopping directly with life insurance specialists.

Should You Buy Life Insurance from Acceptance?

Consider Acceptance life insurance if:

• You’re already buying auto or home insurance from them
• Bundling creates administrative convenience
• You have a high-risk profile that limits options

Look elsewhere if:

• You want comprehensive life insurance options
• You need large coverage amounts ($1 million+)
• You’re comparing rates to maximize value

Financial Strength and Company Stability: Can Acceptance Pay Claims?

Financial Strength Ratings

Financial strength ratings indicate an insurer’s ability to pay claims. For First Acceptance Insurance Company:

A.M. Best Rating: B (Fair) as of most recent evaluation

What this rating means:

• A++ to A- (Superior): Excellent ability to pay claims
• B++ to B (Good to Fair): Adequate ability to meet obligations but vulnerable to adverse conditions
• C++ and below: Vulnerable to financial stress

The concern: A “B” rating is below the preferred “A-” or higher standard. While Acceptance can currently pay claims, the rating suggests less financial cushion than top-tier insurers.

What the Confie Acquisition Means

The 2023 acquisition by Confie potentially improves financial stability through:

• Access to larger capital resources
• Risk diversification across more policies
• Operational efficiencies from scale

However, the integration is still relatively recent, and long-term financial impacts remain to be seen.

Digital Experience: Website, App, and Customer Service

Website Functionality

What works well:

• Quick online quote system
• Bill payment portal
• Claims filing capability
• General insurance information

What’s lacking:

• Limited policy management features
• Minimal discount transparency
• Sparse product details for home and life insurance

Mobile App: Notably Absent

Acceptance does not have a dedicated mobile app, which puts it behind competitors. However:

• The website is mobile-optimized
• Most functions work on mobile browsers
• Some customers report frustration with mobile experience

Customer Service Channels

Phone support:

• Customer service: 1-800-321-0899 or 866-566-0530
• Claims: 1-800-779-2103
• Roadside assistance: 1-866-936-0485
• Sales/Quotes: 1-866-405-7102 or 877-405-7102

Hours: Monday-Friday, 9 AM – 6 PM CST (varies by department)

In-person: 280+ retail locations across 13-15 states

Online: Web portal for policy management and claims

Customer service complaints: Multiple reviews cite long hold times, difficulty reaching representatives, and unresolved issues.

Acceptance Insurance vs. Competitors: How Does It Stack Up?

Acceptance vs. The General

The General is another major nonstandard auto insurer specializing in high-risk drivers.

The General advantages:

• Available in more states (nationwide)
• Larger advertising presence and brand recognition
• Mobile app available

Acceptance advantages:

• Local agent network
• Bundle options with home and life
• May offer better rates in specific markets

Bottom line: If you’re in an Acceptance state, compare quotes from both. If you’re outside Acceptance’s territory, The General is a solid alternative.

Acceptance vs. Dairyland

Dairyland (owned by Sentry Insurance) focuses on high-risk auto insurance with broader availability.

Dairyland advantages:

• Better financial strength ratings
• Available in more states
• More coverage options

Acceptance advantages:

• More local offices
• May have competitive pricing in certain states

Complaint comparison: Both have higher-than-average complaints, but Dairyland’s ratio is slightly better according to NAIC data.

Acceptance vs. Progressive (High-Risk Division)

Progressive offers standard and nonstandard coverage, serving both markets.

Progressive advantages:

• “A+” financial strength rating
• Extensive digital tools and mobile app
• Name Your Price tool
• More coverage options

Acceptance advantages:

• May offer lower rates for very high-risk profiles
• Local agent support
• Specialized in nonstandard market

When to choose Progressive: If you can qualify for their coverage (even at high-risk rates), Progressive typically offers better service, technology, and financial stability.

When to choose Acceptance: If Progressive denies coverage or quotes extremely high premiums, Acceptance may be your better option.

Acceptance vs. Geico

Geico primarily serves standard and preferred drivers but occasionally writes high-risk policies.

Geico advantages:

• Much lower complaint ratios
• Superior digital experience
• 24/7 customer service
• Lower average rates for most drivers

Acceptance advantages:

• Specifically designed for high-risk market
• More likely to approve difficult cases
• SR-22 filing specialization

The reality: If Geico will insure you, they’re almost certainly the better choice. Acceptance exists for drivers Geico won’t cover.

Comparison Table: Acceptance vs. Top Nonstandard Insurers

Additional Acceptance Products and Services

Roadside Assistance: Towbusters Program

Acceptance partners with Nation Safe Drivers to offer Towbusters roadside assistance, which includes:

• Towing services
• Flat tire changes
• Jump starts
• Lockout service
• Fuel delivery

Cost: Typically $3-8 per month added to your auto policy

Alternative consideration: AAA membership ($50-120 per year) provides more comprehensive coverage and isn’t tied to your insurance policy.

TeleMed Services

Acceptance offers a subscription telehealth service providing:

• 24/7 virtual doctor appointments
• Prescription services
• General medical consultations

Cost: Additional monthly fee (exact amount varies)

Value assessment: Standalone telehealth services like Teladoc or services through your health insurance may offer better value and broader networks.

Mexico Auto Insurance

Acceptance offers temporary Mexico auto coverage for U.S. drivers traveling across the border. This addresses a critical gap since U.S. auto policies generally don’t cover incidents in Mexico.

Who needs this: Anyone driving their vehicle into Mexico

Alternative: Dedicated Mexico auto insurance specialists may offer more comprehensive coverage options.

Other Insurance Products Available

Through its agency partnerships, Acceptance can help you shop for:

• Motorcycle insurance
• RV/Motorhome insurance
• Boat insurance
• ATV/Snowmobile insurance
• Pet insurance
• Commercial/business insurance
• Mobile/manufactured home insurance

Important note: These products come from third-party insurers, not First Acceptance directly. Quality, pricing, and service vary by underwriter.

How to Get an Acceptance Insurance Quote: Step-by-Step Process

Option 1: Online Quote (Fastest Method)

1. Visit acceptanceinsurance.com
2. Enter your ZIP code
3. Select insurance type (auto, home, renters, life)
4. Provide basic information:
   1. Personal details (name, age, address)
   2. Driving history (accidents, violations, DUI)
   3. Vehicle information (make, model, year, VIN)
   4. Coverage preferences and desired limits
5. Review multiple quotes (may include partner insurers)
6. Select preferred option
7. Complete application and payment

Time required: 10-20 minutes

Option 2: Phone Quote

Call: 1-866-405-7102 or 877-405-7102

Best for:

• Complex situations requiring explanation
• Questions about SR-22/FR-44 requirements
• Comparing multiple scenarios

Time required: 20-40 minutes

Option 3: In-Person Quote

Visit: One of 280+ Acceptance retail locations

Find locations: Use the locator tool at acceptanceinsurance.com

Best for:

• Customers who prefer face-to-face service
• Those with limited internet access
• Complex insurance needs requiring detailed discussion

Time required: 30-60 minutes (including travel and wait time)

Information You’ll Need

Regardless of the quote method, prepare:

Personal information:

• Driver’s license number
• Social Security number
• Current address and move-in date
• Employment information

Vehicle information:

• Year, make, model
• VIN (Vehicle Identification Number)
• Current odometer reading
• Primary use (commute, pleasure, business)
• Annual mileage
• Safety features (anti-theft, airbags, anti-lock brakes)

Driving history:

• Accidents (dates, at-fault determination)
• Violations (speeding tickets, DUI, etc.)
• License suspensions or revocations
• Previous insurance carrier and coverage dates
• Current coverage details

Coverage needs:

• State minimum or full coverage
• Desired liability limits
• Deductible preferences
• Optional coverage interests (rental, roadside, gap)

Pro tip: Gather all documents before starting the quote process to avoid delays and ensure accuracy.

Making the Decision: Is Acceptance Insurance Right for You?

When Acceptance Makes Sense

Consider Acceptance if you:

• Have been denied coverage by 2+ standard insurers
  
• Need SR-22 or FR-44 filing after serious violations
  
• Live in an Acceptance service state (13-15 states)
  
• Have a recent DUI, multiple accidents, or poor credit
  
• Value local agent access over digital tools
  
• Want to bundle nonstandard auto with home or life insurance
  
• Need basic coverage to satisfy legal requirements

When to Look Elsewhere

Avoid Acceptance if you:

• Can qualify for standard insurers (even at higher rates)
  
• Prioritize low complaint ratios and customer service quality
  
• Want comprehensive digital tools and mobile apps
  
• Need specialized coverage beyond basic options
  
• Live outside Acceptance service areas
  
• Require strong financial stability (A-rated insurers)
  
• Value transparency in pricing and policy details

The Smart Shopping Strategy

Don’t accept the first quote you receive. Even as a high-risk driver, comparison shopping can save hundreds or thousands annually:

1. Get quotes from 3-5 nonstandard insurers:
   1. Acceptance Insurance
   2. The General
   3. Dairyland
   4. Bristol West
   5. Safe Auto
2. Try standard insurers too:
   1. Progressive
   2. State Farm
   3. Nationwide
3. Even if they quote higher rates, their superior service and financial strength may justify moderate premium differences.
4. Compare identical coverage:
   1. Same liability limits
   2. Same deductibles
   3. Same optional coverages
5. Only valid comparisons use identical coverage specifications.
6. Ask about improvement programs:
   1. Some insurers offer rate reductions after 6-12 months of clean driving
   2. Defensive driving courses can provide discounts
   3. Credit score improvements may qualify you for standard rates eventually
7. Check state programs:
   1. Some states offer assigned risk pools
   2. State-sponsored high-risk programs may provide alternatives
   3. Research your state’s insurance department website

Questions to Ask Any Insurer (Including Acceptance)

Before purchasing any high-risk policy, ask:

1. “What exactly disqualified me from standard rates?”
   Understanding your risk factors helps you work to improve them.
2. “How long until I can requalify for standard rates?”
   Most violations drop off after 3-5 years.
3. “What discounts am I eligible for now, and what can I qualify for in 6 months?”
   Plan your discount optimization strategy.
4. “If I pay in full vs. monthly, what’s the total cost difference?”
   Financing fees can add 10-20% to annual costs.
5. “What’s your claims process, and what’s the average response time?”
   This matters more than premium when you actually need coverage.
6. “Can you provide customer references or direct me to recent reviews?”
   Legitimate insurers should facilitate due diligence.

Tips to Lower Your High-Risk Insurance Costs (Beyond Acceptance)

Immediate Actions (0-30 Days)

1. Shop annually: Rates change constantly; comparison shop every 12 months
2. Raise deductibles: Increasing from $500 to $1,000 can reduce premiums 15-30%
3. Drop unnecessary coverage: Older vehicles may not need comprehensive/collision
4. Bundle policies: Multi-policy discounts save 10-25%
5. Pay in full: Avoid financing fees by paying the full annual premium

Short-Term Actions (1-6 Months)

1. Complete defensive driving course: Earns 5-10% discounts in most states
2. Improve credit score: Pay bills on time, reduce debt, dispute errors
3. Install anti-theft devices: Qualify for safety discounts
4. Reduce mileage: Lower annual miles = lower risk = lower rates
5. Review coverage needs: Ensure you’re not overinsured.

Long-Term Actions (6+ Months)

1. Maintain clean driving record: Every violation-free year helps
2. Wait for violations to drop off: Most violations affect rates for 3-5 years
3. Build continuous coverage: No lapses improves your insurance score
4. Graduate to standard insurers: Re-quote with standard carriers after 1-2 clean years
5. Monitor state regulations: Some states limit how long violations affect rates

Common Mistakes That Keep Rates High

 Accepting the first quote without shopping around
  Providing incomplete information leading to policy cancellation
  Missing payments causing lapses and surcharges
  Not asking about discounts explicitly
  Keeping unnecessarily low deductibles on older vehicles
  Ignoring credit score impact on insurance costs
  Failing to notify insurers of life changes (marriage, new job, moved)

Understanding Your Rights as a High-Risk Insurance Customer

What Insurers Can and Cannot Do

Insurers CAN:

• Charge higher rates based on risk factors
• Require proof of insurance history
• Cancel policies for non-payment
• Non-renew policies after term expires (with notice)
• Request driving records and credit reports

Insurers CANNOT:

• Discriminate based on race, religion, or national origin
• Cancel mid-term except for non-payment, fraud, or license suspension
• Raise rates mid-term on most policies
• Deny claims without valid policy-based reasons
• Fail to provide legally required coverage minimums

Your State Insurance Department

Every state has an insurance department that regulates insurers and handles consumer complaints:

• File complaints about unfair practices
• Request assistance with claim disputes
• Verify licensing of insurance companies and agents
• Access resources about your state’s insurance laws
• Report fraud or illegal activities

Find your state department: Visit the National Association of Insurance Commissioners (NAIC) website and search for your state’s consumer information.

When to File a Complaint

Consider filing a formal complaint if:

• Your claim is denied without clear explanation
• The insurer adds coverage you didn’t request
• You experience billing fraud or errors
• Customer service repeatedly fails to resolve issues
• The company violates state insurance regulations

Document everything: Keep copies of all communications, policy documents, and payment records to support any complaints.

The Future of High-Risk Insurance: What’s Changing

Technology and High-Risk Insurance

The nonstandard insurance market is evolving:

Usage-based insurance (UBI): Some insurers now offer telematics programs letting high-risk drivers prove safe habits for discounts. While Acceptance doesn’t currently offer this, competitors like Progressive (Snapshot) and The General are testing these programs for nonstandard customers.

AI underwriting: Advanced algorithms may make coverage more accessible by better assessing individual risk rather than relying solely on traditional factors.

Digital claims processing: Mobile apps and AI-powered claims processing can speed resolution in an area where Acceptance currently lags behind competitors.

Regulatory Changes

State insurance reforms may impact high-risk drivers:

• Some states limiting credit score use in rating
• Increased scrutiny of rate increases
• Consumer protection enhancements
• Required coverage expansion in some markets

What This Means for You

Stay informed about changes that could affect your costs:

• Monitor your state insurance department for regulation updates
• Re-shop your insurance annually to capitalize on market changes
• Ask insurers about new programs that might benefit your profile
• Consider insurers adopting technology that rewards safe driving

Frequently Asked Questions (FAQs)

General Questions

Q: Is Acceptance Insurance legitimate?

A: Yes, Acceptance Insurance (operated by First Acceptance Insurance Company) is a legitimate, licensed insurance company. They operate in 13-15 states through 280+ retail locations and are regulated by state insurance departments. However, they have a B (Fair) financial strength rating and higher-than-average complaint ratios.

Q: Who owns Acceptance Insurance?

A: Acceptance Insurance was acquired by Confie in December 2023. Confie is one of the largest insurance agencies in the United States. The company continues operating under the Acceptance brand, with policies primarily underwritten by First Acceptance Insurance Company.

Q: What states does Acceptance Insurance operate in?

A: Acceptance operates in 13-15 states: Alabama, Arizona, California, Florida, Georgia, Illinois, Indiana, Mississippi, Ohio, Pennsylvania, South Carolina, Tennessee, and Texas. Missouri and Virginia may also have limited availability.

Q: Does Acceptance Insurance have good customer service?

A: Customer service reviews are mixed. Acceptance has higher-than-average complaint ratios with state regulators (3-4x the industry average according to NAIC data). Common complaints include claims handling issues, billing disputes, and difficulty reaching representatives. However, some customers report positive experiences with local agents.

Coverage and Policy Questions

Q: Does Acceptance Insurance file SR-22 forms?

A: Yes, Acceptance specializes in SR-22 filings for high-risk drivers who need to verify insurance coverage with their state DMV. They also file FR-44 forms (required in Florida and Virginia for DUI offenses).

Q: Can I get same-day insurance coverage from Acceptance?

A: Yes, in most cases. Once you complete your application and payment, coverage can begin immediately. For SR-22/FR-44 filings, the certificate is typically filed with your state within 24-48 hours.

Q: What is the minimum coverage Acceptance offers?

A: Minimum coverage varies by state. Acceptance provides state-mandated minimum liability coverage, which typically includes bodily injury liability and property damage liability. Some states also require personal injury protection (PIP) or uninsured motorist coverage.

Q: Does Acceptance offer gap insurance?

A: Yes, gap insurance is available as an optional coverage addition. This pays the difference between your vehicle’s actual cash value and your loan balance if your car is totaled.

Q: Can I add a driver to my Acceptance policy?

A: Yes, you can add additional drivers to your policy. Contact Acceptance at 1-800-321-0899 or through your online account. Be aware that adding high-risk drivers may significantly increase your premium.

Q: Does Acceptance Insurance cover rental cars?

A: Acceptance offers rental reimbursement coverage as an optional add-on. This helps pay for a rental car if your vehicle is being repaired after a covered loss. Standard coverage limits range from $30 to $50 per day for 10-30 days.

Cost and Payment Questions

Q: How much does Acceptance Insurance cost per month?

A: Monthly costs vary significantly based on your risk profile, location, and coverage needs. High-risk drivers typically pay $100-500+ per month for auto insurance. Most customers in online reviews report paying $150-300 monthly for basic coverage.

Q: Does Acceptance Insurance offer payment plans?

A: Yes, Acceptance offers monthly payment plans, though paying in full annually may save you 5-10% by avoiding installment fees. They also offer automatic payment discounts when you set up autopay.

Q: What happens if I miss a payment with Acceptance Insurance?

A: Missing payments can result in policy cancellation, often with a minimal grace period. Multiple customer reviews mention policies being canceled for being just a few days late. If your policy is canceled for non-payment, you may face coverage gaps that make future insurance more expensive.

Q: Can I cancel my Acceptance Insurance policy anytime?

A: Yes, you can cancel your policy at any time. Contact Acceptance customer service at 1-800-321-0899. Depending on your state and when you cancel, you may receive a prorated refund for unused coverage. However, be aware of potential cancellation fees and the risks of coverage gaps.

Q: Does Acceptance charge a down payment?

A: Yes, Acceptance typically requires a down payment when you purchase a policy. The amount varies but is usually 15-25% of your total annual premium, or approximately 1-2 months of coverage.

Claims Questions

Q: How do I file a claim with Acceptance Insurance?

A: You can file claims three ways:

1. Online: Through the claims portal at acceptanceinsurance.com
2. Phone: Call 1-800-779-2103 (24/7 claims line)
3. Mobile: Through their mobile-optimized website

Have your policy number, accident details, and any police report information ready when filing.

Q: How long does Acceptance take to process claims?

A: Claims processing times vary based on complexity. Simple claims may be resolved in 7-14 days, while complex claims involving injuries or disputes can take 30-60+ days. Customer reviews frequently mention longer-than-average claims processing times and communication difficulties.

Q: Does Acceptance have a good claims reputation?

A: No, claims handling is one of the most frequently cited complaint areas. Multiple reviews mention denied claims, difficulty getting responses, and finding “loopholes” to avoid payment. The high NAIC complaint ratio suggests systemic claims issues.

Q: What should I do if Acceptance denies my claim?

A: If your claim is denied:

1. Request a detailed written explanation citing specific policy language
2. Review your policy to verify the denial is valid
3. Gather all documentation supporting your claim
4. Appeal the decision in writing to Acceptance’s claims department
5. Contact your state insurance department if the denial seems improper
6. Consider consulting with an attorney for significant claims

High-Risk Driver Questions

Q: Will Acceptance insure drivers with a DUI?

A: Yes, Acceptance specializes in coverage for drivers with DUI/DWI convictions. They can file SR-22 or FR-44 certificates as required by your state. Expect significantly higher premiums, typically 70-300% above standard rates.

Q: Can I get insurance with Acceptance if I have multiple accidents?

A: Yes, Acceptance provides coverage to drivers with multiple at-fault accidents. Your premium will reflect your accident history, but Acceptance is specifically designed to serve high-risk drivers who might be rejected by standard insurers.

Q: Does Acceptance Insurance accept drivers with suspended licenses?

A: Acceptance may provide non-owner insurance policies for drivers with suspended licenses who need to maintain SR-22 filing. However, you cannot insure a vehicle you’ll be driving if your license is currently suspended. Check with Acceptance about your specific situation.

Q: How does poor credit affect my Acceptance Insurance rate?

A: Poor credit significantly impacts rates with Acceptance, potentially doubling premiums in states where credit-based insurance scoring is allowed. However, Acceptance specializes in serving customers with poor credit, so they’re more likely to approve coverage than standard insurers.

Q: Can teen drivers get insurance through Acceptance?

A: Yes, Acceptance insures teen drivers and new drivers with limited experience. Teens can be added to a parent’s policy or obtain their own coverage. Good student discounts may be available for teens with 3.0+ GPAs.

Comparison Questions

Q: Is Acceptance Insurance cheaper than The General?

A: It depends on your specific risk profile and location. Both specialize in high-risk drivers and have similar pricing structures. The only way to know which is cheaper for you is to get quotes from both companies and compare identical coverage.

Q: Is Acceptance better than Progressive for high-risk drivers?

A: Progressive generally offers superior customer service, digital tools, and financial stability (A+ vs. B rating). However, Progressive may deny coverage or quote much higher rates for very high-risk drivers. If Progressive will insure you, they’re often the better choice. If not, Acceptance may be necessary.

Q: Should I choose Acceptance or State Farm?

A: If State Farm will provide coverage, they’re almost certainly the better option with superior financial strength (A++), much lower complaint ratios, better technology, and typically better claims service. Acceptance is a fallback option for drivers State Farm won’t insure.

Product-Specific Questions

Q: Does Acceptance offer homeowners insurance?

A: Acceptance Insurance Agency can connect you with homeowners insurance through third-party partner insurers. First Acceptance Insurance Company does not directly underwrite standard homeowners policies, only renters insurance.

Q: Does Acceptance sell life insurance?

A: Yes, Acceptance offers term life insurance through partner companies. Coverage options, terms, and rates vary by state and underwriter. They do not offer permanent life insurance (whole life, universal life, etc.).

Q: Can I get motorcycle insurance from Acceptance?

A: Yes, Acceptance offers motorcycle insurance through its agency network. Coverage is provided by partner insurers rather than First Acceptance directly.

Q: Does Acceptance offer business or commercial insurance?

A: Yes, through its agency partnerships, Acceptance can help you find commercial auto insurance and other business insurance products. Coverage comes from third-party insurers.

Technical and Account Questions

Q: Does Acceptance have a mobile app?

A: No, Acceptance does not currently have a dedicated mobile app. However, their website is mobile-optimized and most policy management functions can be accessed through mobile browsers.

Q: Can I manage my Acceptance policy online?

A: Yes, you can access your policy documents, make payments, update information, and file claims through the online portal at acceptanceinsurance.com. Create an account using your policy number and personal information.

Q: How do I contact Acceptance Insurance customer service?

A: Contact Acceptance customer service at:

• General customer service: 1-800-321-0899 or 866-566-0530
• Claims: 1-800-779-2103
• Sales/quotes: 1-866-405-7102 or 877-405-7102
• Roadside assistance: 1-866-936-0485
• Hours: Monday-Friday, 9 AM – 6 PM CST (varies by department)

Q: Where is Acceptance Insurance headquarters located?

A: Acceptance Insurance headquarters is located at 3813 Green Hills Village Drive, Nashville, TN 37215-2610.

Q: Can I visit an Acceptance office in person?

A: Yes, Acceptance operates 280+ retail locations across their service states. Use the location finder at acceptanceinsurance.com to find the nearest office.

Specific Situation Questions

Q: Does Acceptance cover Uber or Lyft drivers?

A: No, Acceptance does not offer rideshare coverage. If you drive for Uber, Lyft, or other rideshare services, you’ll need to find an insurer that specifically offers rideshare coverage or commercial auto insurance.

Q: Can I get classic car insurance from Acceptance?

A: Not directly through First Acceptance Insurance Company. However, the Acceptance agency may be able to connect you with partner insurers who offer classic or collector car coverage.

Q: Does Acceptance offer insurance for drivers under 25?

A: Yes, Acceptance insures drivers under 25, including teens and young adults. Rates will be higher due to age-related risk factors, but good student discounts may help reduce costs.

Q: Will Acceptance insure a salvage title vehicle?

A: This varies by state and individual circumstances. Contact Acceptance directly to discuss insuring a salvage or rebuilt title vehicle. Many insurers limit coverage on salvage vehicles to liability only.

Final Verdict: Acceptance Insurance Review 2026 Summary

The Bottom Line

Acceptance Insurance serves a specific market niche: high-risk drivers who struggle to find coverage elsewhere. If you have a DUI, multiple accidents, poor credit, or other factors that make you uninsurable with standard carriers, Acceptance provides a necessary service.

However, “available” doesn’t always mean “best.”

Acceptance Insurance Strengths

• Accessible coverage for high-risk drivers
  
• SR-22/FR-44 filing specialization
  
• 280+ retail locations for in-person service
  
• Bundle options with home, life, and renters insurance
  
• Available discounts can reduce costs
  
• Quick online quote process

Acceptance Insurance Weaknesses

• Higher-than-average complaint ratios (3-4x industry average)
  
• Claims handling issues reported frequently
  
• B (Fair) financial strength rating vs. A+ from top insurers
  
• Limited to 13-15 states
  
• No mobile app
  
• Home and life insurance through third parties
  
• Minimal transparency about pricing
  
• Customer service challenges

Who Should Choose Acceptance Insurance

Acceptance makes sense if you:

• Have been denied by 2+ standard insurers
• Need SR-22/FR-44 filing immediately
• Live in one of their service states
• Value local agent access
• Need basic coverage to meet legal requirements
• Are working to improve your driving record and credit

Best use case: Acceptance as a temporary solution while you work to qualify for standard insurers. Use your time with Acceptance to:

• Maintain continuous coverage (no lapses)
• Build a clean driving record
• Improve your credit score
• Take defensive driving courses
• Re-shop for better rates after 12-24 months

Who Should Look Elsewhere

Avoid Acceptance if you can qualify for:

• Standard insurers (State Farm, Geico, Nationwide)
• Better-rated nonstandard insurers (Dairyland with A rating)
• Insurers with lower complaint ratios
• Companies with superior digital tools

The Smart Shopper’s Strategy

Don’t settle without comparison shopping:

1. Get quotes from multiple nonstandard insurers
2. Try at least one standard insurer (you might be surprised)
3. Compare identical coverage (same limits, deductibles, and options)
4. Factor in financial strength and complaint ratios, not just price
5. Read recent customer reviews for realistic expectations
6. Ask about rate reduction programs and improvement timelines
7. Plan your exit strategy to graduate to better insurers

Final Recommendation

Rating: 2.5 out of 5 stars ½

Acceptance Insurance provides a necessary service for drivers with limited options, but significant weaknesses in claims handling, customer service, and financial strength prevent a higher rating. The company functions best as a bridge solution rather than a long-term insurance home.

If you need Acceptance, use them, but actively work toward qualifying for better alternatives.

Take Action: Next Steps to Find Your Best Insurance Solution

Immediate Actions (Today)

1. Get your Acceptance quote:
   1. Visit acceptanceinsurance.com
   2. Call 1-866-405-7102
   3. Visit a local office
2. Get comparison quotes from:
   1. The General: thegeneral.com
   2. Dairyland: dairylandinsurance.com
   3. Progressive: progressive.com
   4. Your state’s assigned risk pool (if applicable)
3. Gather your information:
   1. Driving record (get from DMV)
   2. Current credit report
   3. Vehicle details and VIN
   4. Previous insurance information

This Week

1. Compare quotes side-by-side using identical coverage
2. Read customer reviews for your top 2-3 options
3. Check financial strength ratings at ambest.com
4. Verify state complaint data through your state insurance department
5. Ask about discount eligibility and rate reduction programs

This Month

1. Purchase your policy from the best available option
2. Set up automatic payments to avoid lapses
3. Enroll in paperless billing for discounts
4. Review your coverage to ensure it meets your needs
5. Document your policy details in a safe place

Next 12 Months

1. Maintain continuous coverage (no lapses)
2. Practice safe driving (no tickets or accidents)
3. Work on credit improvement (pay bills on time, reduce debt)
4. Take defensive driving course for potential discounts
5. Re-shop your insurance annually
6. Track when violations drop off your record (typically 3-5 years)
7. Graduate to standard insurers once you qualify

Conclusion: Your High-Risk Insurance Journey Starts Here

Being classified as a high-risk driver doesn’t mean you’re stuck with bad insurance forever. It means you’re temporarily in a situation that requires specialized coverage and companies like Acceptance Insurance exist to provide it.

But here’s what matters most: The choices you make today directly impact your insurance costs for the next 3-5 years. Every day you drive safely, every bill you pay on time, and every defensive driving lesson you take moves you closer to standard rates.

Acceptance Insurance can be part of your solution, but it shouldn’t be your permanent answer. Use this review to make an informed decision, shop aggressively for the best rates among your available options, and commit to graduating to better insurance as quickly as possible.

Your future insurance costs depend on today’s actions. Start with comparison quotes, choose the best available option, and drive safely toward lower premiums.

Ready to compare rates? Start your quote now:

1. Get your free Acceptance Insurance quote: acceptanceinsurance.com
   
2. Compare with The General: thegeneral.com
   
3. Check Progressive rates: progressive.com

This Acceptance Insurance review is based on publicly available information, regulatory data, customer reviews, and industry analysis current as of January 2026. Individual experiences may vary. Always verify current rates, coverage options, and company information directly with insurers before making purchase decisions.

About This Review

This comprehensive Acceptance Insurance review was researched and written by insurance industry experts with combined decades of experience analyzing insurance companies, coverage options, and consumer protection issues. Our goal is to provide transparent, actionable information that helps high-risk drivers make informed insurance decisions.

Sources:

• Bankrate Insurance Review (September 2025)
• NerdWallet Insurance Ratings (January 2025)
• National Association of Insurance Commissioners complaint data
• A.M. Best financial strength ratings
• Pennsylvania Insurance Department market conduct examination (March 2023)
• Consumer reviews from Reddit, Yelp, and independent review platforms
• First Acceptance Insurance Company policy documents and disclosures
• State insurance department public records

Disclosure: This review may contain affiliate links. We may earn compensation when you click certain links, but this does not influence our editorial independence or the accuracy of our information. All opinions are our own based on research and analysis.\

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