Acceptance Insurance Company Review

Company Overview

car insurance form with calculator and credit card
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Not everyone has a perfect driving record. Sometimes people have auto accidents or may get speeding tickets even if they are normally a very careful driver. Too many tickets and accidents may make it hard for these people to find a reliable and affordable insurance company for auto insurance. For people who need high risk auto insurance, a non-standard auto insurance company may be the best option.

Acceptance Insurance is a non-standard auto carrier headquartered in Nashville, Tennessee. Acceptance Insurance provides automobile insurance coverage in 12 states and is licensed in an addition 13 states with more than 380 local offices to service customers. The company has over $52 million in premiums earned with more than 170,000 policies in force. Brent J. Gay is the Senior Vice President and Chief Financial Officer. Insurance customers with these special needs or circumstances may find an affordable insurance option through Acceptance Insurance:

  • High Risk Drivers
  • SR 22 Auto Insurance
  • Non-owner Auto Insurance
  • Non-standard Auto Insurance
  • Bad Credit
  • Homeowners Insurance (Not Available in All States)
  • Teenage Auto Insurance
  • Senior Auto Insurance
  • Drivers Who Have Been Refused Coverage

Financial Stability and Customer Service Ratings

Acceptance Insurance has a “B“ Fair rating with A.M. Best insurance rating organization and an “A+” rating with the Better Business Bureau.

Acceptance Insurance has been an accredited business with the Better Business Bureau since 1998. Over a 3-year time period, there were 30 complaints with 19 closed complaints during the last 12 months.

Insurance Products

At Acceptance Insurance, customers can receive a quote online, by telephone or through a local agent. From the website, you can receive a quote and store it there should you decide to purchase the policy at a later date. Auto coverage policies are customizable based on your needs. To receive a quote online, you will need to provide your state, zip code, year, make and model of automobiles and the names of all drivers to be included on your policy.

With the auto policy, you can buy basic liability coverage, comprehensive, collision and uninsured/underinsured motorist coverage. Here is a listing of the insurance products and policy options available through Acceptance Insurance:

States Where Coverage is Available:

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

For claims service, customers can file a claim online or call a dedicated claims reporting line. Customers are able to call and check the status of claims at 1-800-779-2103. When you report a claim, the customer service department will contact you by the end of the next business day at the contact number you provided.

Getting an Auto Quote Online

To begin the quote process, you’ll first enter your zip code. After this, you’ll be prompted to enter some primary information about your vehicle and its usage including year, make model, sub-model, ownership info, primary use info, annual mileage, night parking and the coverage desired. Next, you are asked for more personal information including marital status, date of birth, the age you received your driver’s license, credit rating, education level and your occupation. Acceptance will also ask about any driver’s license suspensions, revocations, SR-22 responsibility form requirements and if you’ve had any claim/violations in the last three years.

Pros & Cons


Acceptance Insurance provides affordable rates to customers who may not qualify for a standard auto insurance carrier. Customer testimonials have also stated that the company gives friendly and reliable customer service.

You can receive a free quote online or through a local agent. The website offers many helpful resources to insurance customers including:

  • Listing of All Products and Services Offered
  • Coverage, Policy and Claims FAQs
  • Policy Services to Request Change or Update to Policy
  • Online Payments
  • Auto Insurance Tips
  • Claims FAQs

The company offers a mobile insurance application for policy holders, making payments and policy services convenient for customers.


Acceptance Insurance only has a “B” Fair rating with A.M. Best insurance rating organization. While this is not a terrible rating, it is also not the best. Financial stability is important for an insurance company in being able to meet financial obligations and pay any claims.

With the Better Business Bureau, although the overall rating for Acceptance Insurance is an “A+”; the majority of complaints were in the area of problems with the product or service.

If you are looking for multiple lines of coverage, you may not be able to find coverage for all of your insurance needs with Acceptance Insurance. Coverage is only available in 12 states and the homeowner’s insurance policy is not available in all states.

Contact Information

To learn more about auto insurance from Acceptance Insurance or to receive a quote, you can visit the Acceptance Insurance website or call 1-877-405-7102, Monday through Friday, 7 a.m. to 9 p.m. CST; or Saturday, 8 a.m. to 7 p.m. CST. There is a separate contact number for customer service, 1-800-321-0899 or if you have website difficulties, you may call 1-866-755-3352. To make changes to a policy or make a payment, call 1-800-321-0899 or visit a local agent.