Acuity Auto Insurance Review for 2025 (Rates & Coverage Options)
Acuity auto insurance offers rates as low as $44 a month for good drivers, along with standout service through local agents and bundled coverage through the exclusive Road and Residence program. This Acuity auto insurance review highlights its strong claims support and liability-plus-collision plans.
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Table of Contents
Table of Contents
Feature Writer
Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...
Rachel Bodine
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Tim Bain
Updated August 2025
Explore this Acuity auto insurance review to learn how personal and commercial drivers benefit from its liability, collision, and umbrella insurance coverage.
Acuity is a leading regional insurance company, operating in 32 states and covering more than 500,000 homes and vehicles across the United States. It is famous for its creative approach to providing insurance solutions, using technology-based methods to improve its services.
Acuity, A Mutual Insurance Company, provides all insurance coverage. However, personal automobile coverage in Texas is provided by Acuity TX MGA, Inc., and the underwriter is Home State County Mutual Insurance Company.
- Acuity auto insurance review highlights strong claim service
- Provides custom equipment coverage for modified vehicles
- Acuity offers identity fraud expense and pet injury protection
Acuity supports policyholders through localized expertise and consistent customer satisfaction. Explore verified Acuity insurance review results by entering your ZIP code now.
Acuity Auto Insurance Monthly Rates
Acuity auto insurance monthly prices vary greatly depending on age and gender. Teenagers, mainly boys, pay the highest amounts, which can reach $480 for full coverage.
Acuity Auto Insurance Monthly Rates by Coverage level
| Age & Gender | Minimum Coverage | Full Coverage |
|---|---|---|
| 16-Year-Old Female | $280 | $430 |
| 16-Year-Old Male | $330 | $480 |
| 18-Year-Old Female | $240 | $390 |
| 18-Year-Old Male | $290 | $430 |
| 25-Year-Old Female | $130 | $200 |
| 25-Year-Old Male | $160 | $230 |
| 30-Year-Old Female | $110 | $170 |
| 30-Year-Old Male | $130 | $190 |
| 45-Year-Old Female | $48 | $115 |
| 45-Year-Old Male | $50 | $117 |
| 60-Year-Old Female | $44 | $98 |
| 60-Year-Old Male | $47 | $105 |
| 65-Year-Old Female | $42 | $93 |
| 65-Year-Old Male | $45 | $98 |
Women usually pay lower prices in all age categories. The costs decrease significantly as women age, reaching a minimum of $42 for women aged 65.
Here is a table showing Acuity’s monthly car insurance costs by type of coverage. USAA has the cheapest cost, at $32 for minimum coverage and $110 for full coverage.
Auto Insurance Monthly Rates by Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
 | $50 | $135 |
 | $60 | $160 |
 | $58 | $150 |
 | $38 | $125 |
 | $65 | $170 |
 | $48 | $137 |
 | $52 | $140 |
 | $44 | $132 |
 | $46 | $130 |
 | $32 | $110 |
Liberty Mutual has the highest prices, with minimum coverage at $65 and full coverage at $170. State Farm and Geico offer more affordable options, with minimum coverage under $50 and full insurance below $135.
This table shows how driving history affects monthly costs. Rates go up with violations—a minimum of $90 after an accident and $120 for a DUI.
A clean record gives the lowest rates, only $50 for minimum and $117 for full coverage. If you get one ticket, prices go up to $70 minimum and $140 for full coverage.
Acuity auto insurance monthly charges vary depending on your driving history. The chart indicates that Acuity begins at $117 per month for those with clean records, but it goes up to $250 per month if you have a DUI offense.
Auto Insurance Monthly Full Coverage Rates by Driving Record
| Insurance Company | Clean Record | One Ticket | One Accident | One DUI |
|---|---|---|---|---|
| $117 | $140 | $180 | $250 |
| $160 | $180 | $210 | $300 |
| $150 | $170 | $200 | $280 |
| $95 | $135 | $165 | $220 |
| $170 | $190 | $220 | $310 |
| $125 | $150 | $175 | $260 |
| $120 | $150 | $175 | $240 |
| $103 | $130 | $155 | $200 |
| $130 | $155 | $180 | $270 |
| $110 | $125 | $150 | $210 |
When looking at competitors, Geico has the cheapest rate for people with a clean driving record, which is $95. On the other hand, Liberty Mutual charges the most after someone gets a DUI, with their rate being $310. State Farm remains the most consistent across violations.
Discover more by reading our guide: Cheapest Full Coverage Auto Insurance
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Coverage Options From Acuity Auto Insurance
Acuity offers various auto insurance options that cater to specific needs. The table shows each type of coverage and explains what it covers.
Acuity Auto Insurance Coverage Options
| Coverage Type | |
|---|---|
| Liability Coverage | Pays for bodily injury and property damage you cause to others in an at-fault accident. |
| Collision Coverage | Covers repair or replacement costs for your car after an accident, regardless of fault. |
| Comprehensive Coverage | Covers damage to your car from non-collision events like theft, vandalism, weather, or hitting an animal. |
| Personal Injury Protection (PIP) | Covers medical expenses and lost wages for you and your passengers, regardless of fault (in applicable states). |
| Medical Payments | Pays for medical bills for you and your passengers after an accident, regardless of fault. |
| Uninsured/Underinsured Motorist | Covers your expenses if you're hit by a driver with no insurance or insufficient coverage. |
| Roadside Assistance | Provides services like towing, battery jump-starts, flat tire changes, and lockout help. |
| Rental Car Reimbursement | Pays for a rental vehicle while your car is being repaired due to a covered loss. |
| Full Glass Coverage | Pays for repair or replacement of your windshield or windows without a deductible. |
| Accident Forgiveness | Prevents your premium from increasing after your first at-fault accident (eligibility may apply). |
Every option is designed to address real driving dangers, from liability and collision coverage to full glass and roadside assistance. PIP (Personal Injury Protection) auto insurance and medical payments help with injury costs, while accident forgiveness helps control premium increases.
Customer Reviews and Ratings: Acuity Auto Insurance
This table breaks down Acuity’s insurance ratings across the top agencies. J.D. Power gives it 840 out of 1,000 points, with satisfaction above average. Explore how the best auto insurance companies, according to Consumer Reports, rank for claims and satisfaction.
Acuity Business Insurance Ratings & Consumer Reviews
| Agency | |
|---|---|
 | Score: 840 / 1,000 Above Avg. Satisfaction |
 | Score: A+ Excellent Business Practices |
 | Score: 75/100 Good Customer Feedback |
 | Score: 0.97 Fewer Complaints Than Avg. |
 | Score: A+ Superior Financial Strength |
Consumer Reports gives it a score of 75 out of 100, supported by strong customer feedback. Its complaint index is 0.97, which means it is below the average. Acuity’s A.M. Best rating is A+, indicating its financial strength and reliability for business policies.
Comment
byu/evapor8ted from discussion
inInsurance
This Reddit post talks about Acuity’s good reputation in the industry for treating customers fairly. It also mentions that many negative reviews of insurance often stem from confusion about what is covered, rather than issues with the company itself.
Acuity Auto Insurance Discounts
This table shows how drivers can combine discounts to lower premiums. Multi-policy and safe driver bonuses offer up to 20% and 15% off, respectively.
Acuity Auto Insurance Discounts by Savings Potential
| Discount | |
|---|---|
| Accident-Free Discount | 10% |
| Anti-Theft Device Discount | 5% |
| Defensive Driving Course | 10% |
| Good Student Discount | 10% |
| Loyalty Discount | 10% |
| Multi-Policy Discount | 20% |
| Multi-Vehicle Discount | 15% |
| Paperless/Auto Pay Discount | 5% |
| Safe Driver Discount | 15% |
| Vehicle Safety Features Discount | 5% |
Loyalty, good student, and accident-free discounts each give 10% off. Smaller savings, like 5% for doing paperless billing or having anti-theft devices, also add up when you put them together.
Read more: Best Auto Insurance Discounts
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What You Should Know About Acuity, A Mutual Insurance Company
Acuity Insurance company offers a range of auto coverages, as well as home, boat, motorcycle, umbrella, and business insurance. The company’s A+ rating from the BBB and A.M. Best shows that it is capable of handling customer settlements. Keep reading our Acuity car insurance review to see how well the company resolves complaints and claims.
In addition, Acuity partners with hundreds of independent insurance agencies to provide excellent service for the coverage needs of its clients and prospective clients. You can find independent insurance agencies offering Acuity coverage from over 30 states, including the ones listed below:
- Arizona auto insurance
- Colorado auto insurance
- Idaho auto insurance
- Illinois auto insurance
- Indiana auto insurance
- Iowa auto insurance
- Kansas auto insurance
- Kentucky auto insurance
- Michigan auto insurance
- Minnesota auto insurance
- Missouri auto insurance
- Nebraska auto insurance
- North Dakota auto insurance
- Ohio auto insurance
- Pennsylvania auto insurance
- South Dakota auto insurance
- Tennessee auto insurance
- Utah auto insurance
- Wisconsin auto insurance
Whether you live in Wisconsin or Utah, Acuity has a network of agents that provide reliable service tailored to local needs. They offer things like discounts for safe drivers and extra umbrella policy options.
In today’s fast-paced world, multitasking has become second nature to many of us, allowing us to juggle multiple tasks simultaneously and get more done in less time.https://t.co/js7Uw2FjBu#DistractedDrivingAwarenessMonth
— Acuity Insurance (@acuityinsurance) April 21, 2025
The company stays strong with both its coverage and pricing. Their skill in managing claims continues to improve their reputation in the insurance business.
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Coverage Options Offered by Acuity, A Mutual Insurance Company
Acuity also offers a range of personal and commercial auto insurance products and services. Check out the list below to see what types of auto insurance you can get from Acuity:
- Liability auto insurance
- Comprehensive auto insurance
- Collision auto insurance
- Medical payments coverage
- Personal injury protection (PIP) auto insurance
- New car replacement
- Uninsured motorist (UM) coverage
- Roadside assistance
- Gap insurance
- Rental car reimbursement coverage
Generally, the best auto insurance companies offer a range of coverage types. So, Acuity is a good insurance company with excellent insurance products.
Acuity Auto Insurance Careers
Consistently ranked as a top-tier and most sought-after mid-size employer, Acuity offers careers, not jobs. And if you are looking for midwestern charm, then look no further than what Sheboygan has to offer you and your family.
Their headquarters is located in what Reader’s Digest named as the Best City in America to raise a family.
With an almost endless array of world-class cultural and entertainment opportunities, Milwaukee and Chicago are within one hour and 2 ½ hours from downtown Sheboygan.
Acuity usually has a list of positions it is actively looking to fill. Due to constantly changing business conditions and company growth, the company’s openings are updated regularly.
Careers at Acuity combine innovation with employee satisfaction. In particular, their recognition by AARP shows support for workers.Justin Wright Licensed Insurance Agent
While most corporate jobs are either in Sheboygan or virtual, the company has agents across more than one-third of the United States. Understand how your job affects auto insurance rates and how to lower them.
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Acuity Car Insurance Awards
Acuity auto insurance awards reflect a long-standing commitment to excellence across employment, innovation, and operational leadership.
- Collegegrad.com has recognized Acuity as a top entry-level employer for new graduates since 2007.
- AARP also recognizes Acuity as a top employer for workers aged 50 and above for the past four years.
- In 2004, the Great Place to Work Institute and the Society for Human Resources Management honored Acuity as the Best Mid-Size Company to work for in America.
- Acuity has the rare and honored distinction of being the only company in the United States to be listed six consecutive years by the Great Place to Work Institute’s top five mid-sized companies.
- Ward Inc. has, for the past 10 years, recognized Acuity as one of the Top 50 best-run insurance services in the United States.
- Acuity has been named to the InformationWeek 500 list of most innovative technology companies for four consecutive years.
- In 2001, the National Association of Professional Insurance Agents awarded the National Company Award of Excellence to Acuity.
- The company has continually received an A+ rating from A.M. Best and A ratings from Standard & Poor’s.
No matter how many accolades any company has, you still need to shop around to find the best deal that suits your personal automotive insurance needs and the auto insurance laws in your state. Uncover how the Acuity insurance company review compares by entering your ZIP code into our free quote comparison tool.
Frequently Asked Questions
Is Acuity Insurance a good company?
Is Acuity a good insurance company? Acuity Insurance’s A.M. Best rating stands at A+. In addition, Acuity has good customer satisfaction, touting an A+ BBB rating. Learn which auto insurance companies with the best customer service meet your needs.
What can you learn from Acuity insurance reviews and consumer reports?
You’ll find that Acuity scores well for claims satisfaction and service consistency, with monthly rate value appreciated most by long-term policyholders.
How does the Acuity insurance BBB rating affect your trust in the company?
Acuity holds an A+ rating from BBB, showing strong reliability, few complaints, and a commitment to resolving customer issues efficiently.
Why should you check Acuity Insurance’s Google reviews before buying a policy?
Google reviews often highlight real customer experiences, including praise for Acuity’s claims process, monthly pricing, and local agent responsiveness. See what qualifies for a comprehensive auto insurance claim and how to file.
Should you be concerned about Acuity insurance complaints?
Not necessarily. Most complaints focus on rate changes or communication delays, but Acuity’s low complaint index suggests most issues are resolved quickly.
Why should you consider Acuity business insurance reviews before signing up?
You’ll find that business clients often praise Acuity for personalized agent support, fair monthly pricing, and reliable claims handling in professional settings. Find out how to become an auto insurance agent and where to get licensed.
How can you contact Acuity using the Acuity insurance phone number?
You can reach Acuity customer service at 1-800-242-7666 to ask questions about policies, monthly billing, or claims support in your state.
What should you expect from Acuity home insurance reviews?
You’ll see that customers often highlight fast claims response, strong local agent support, and affordable monthly rates for homeowners across multiple states. Unlock local Acuity insurance rates by entering your ZIP code into our free quote comparison tool.
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