Acceptance Auto Insurance Review (2021)

Founded in 1969, Acceptance Auto Insurance was originally named First Acceptance. Acceptance auto insurance is designed to offer coverage to high-risk drivers. Always compare auto insurance quotes before settling for a company. Feel free to use our comparison tool and receive free quotes from different companies.

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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...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: May 26, 2022

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Company Details
Address: 3813 Green Hills Village Drive
City: Nashville
State: TN
ZIP Code: 37215
Phone Number: 1-800-321-0899
Year Founded: 1969

Things to remember...

  • Founded in 1969, Acceptance Auto Insurance was originally named First Acceptance.
  • First Acceptance Auto Insurance is based in Nashville, Tennessee, but maintains close to 400 retail locations.
  • Acceptance Auto offers coverage for high-risk drivers.

Driving without insurance is dangerous and illegal in most states. Since you need auto insurance, make sure you’re not being overcharged for your policy.

Acceptance Auto Insurance, also called First Acceptance Inc., was founded in 1969. Acceptance retails, services, and underwrites non-standard auto insurance for individuals who have a high-risk insurance rating. 

Acceptance also covers individuals that have been denied insurance by other companies or had their policies canceled by other providers.

Drivers with a high-risk label are almost guaranteed to pay higher insurance rates, so it’s important to comparison shop. Ensure you get affordable Acceptance Auto Insurance by entering your ZIP code here.

Acceptance Auto Insurance Services

First Acceptance provides basic coverage for individuals who need to comply with state auto insurance laws despite having a poor driving or payment history.

They provide an array of auto insurance policies including:

  • Bodily injury liability
  • Property damage liability
  • Comprehensive coverage
  • Collision coverage

The following table details the average rates for full coverage.

Average Annual Full Coverage Auto Insurance Rates by State
States2015 Average Annual Rates2014 Average Annual Rates2013 Average Annual Rates2012 Average Annual Rates2011 Average Annual Rates
South Dakota$766.91$744.28$717.30$690.95$669.20
North Dakota$773.30$768.09$743.27$714.75$688.74
North Carolina$789.09$768.28$739.91$720.47$708.10
New Hampshire$818.75$795.50$773.30$755.76$746.57
New Mexico$937.59$920.42$888.83$866.19$869.85
South Carolina$973.10$936.69$904.22$880.82$857.70
West Virginia$1,025.78$1,032.45$1,021.37$1,005.68$992.57
Rhode Island$1,303.50$1,257.40$1,210.55$1,176.05$1,148.97
District of Columbia$1,330.73$1,324.39$1,316.48$1,289.49$1,276.99
New York$1,360.66$1,327.82$1,301.49$1,273.70$1,236.77
New Jersey$1,382.79$1,379.20$1,369.70$1,334.59$1,303.52
U.S. Average$1,009.38$981.77$950.92$924.45$908.43
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Keep reading to learn more about Acceptance Auto Insurance company’s locations and more.

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Acceptance Auto Insurance Locations

First Acceptance Auto Insurance is based in Nashville, Tennessee, but maintains close to 400 retail locations across twelve states including Tennessee, Mississippi, Alabama, South Carolina, Georgia, Florida, Texas, Missouri, Illinois, Indiana, Ohio, and Pennsylvania.

Acceptance is also licensed to insure motorists in 13 other states. Contact them directly to inquire about coverage in your area.

Apart from auto insurance, Acceptance Insurance Company also offers affordable renters insurance, commercial insurance coverage, 24-hr roadside assistance, insurance to homeowners, and some of the cheapest motorcycle insurance coverages. Their friendly agents can shop for you because they understand the insurance process and laws.

Acceptance Auto Insurance Agents’ Contact Information and Availability

It is recommended that you speak directly with an Acceptance Insurance agent before purchasing a policy. Are you looking for Acceptance Auto Insurance’s phone number? To contact First Acceptance, the following addresses and numbers can be used. 

Corporate Headquarters:
3813 Green Hills Village Drive
Nashville, TN 37215

Acceptance Customer Service:
3813 Green Hills Village Drive
Nashville, TN 37215

Representatives can provide you with contact information for a local agent or office in your region.

Acceptance Auto Insurance Quotes

If you are considered a high-risk driver and have had difficulty obtaining insurance through other providers, you may obtain a quote from First Acceptance. This video further explains high-risk driver coverage.

People who fall into this category may include:

  • Single males, ages 16-24.
  • Individuals with two or more driving violations.
  • Those who have been charged with Driving under the Influence.
  • Those with a poor credit rating.
  • Individuals with a significant prior claims history.
  • Those who have had a lapse in their insurance coverage.

Feel free to explore the relationship between auto insurance and your credit score as well.

Although certain circumstances could still result in denial of coverage by Acceptance, they do insure most individuals who apply. First Acceptance does not require a credit check in order to determine who qualifies for insurance.

Additionally, Acceptance Insurance provides down payments and flexible payment options. 

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Acceptance Auto Insurance Careers

First Acceptance Auto Insurance lists several part-time and full-time openings in several different states within their company. These positions include:

  • Sales Agent
  • Retail Customer Service Representative
  • Claims Analyst
  • Claims Supervisor

Their website also contains an easy search option to search for employment in a field or location of your choice.

Acceptance Auto Insurance Claims

There currently is no option for filing auto insurance claims online. Acceptance recommends calling a claims representative at 1-800-779-2103 if you wish to file a claim.


Acceptance Auto Insurance Customer Reviews

After examining online reviews, it becomes clear that many consumers have been displeased with their experience with First Acceptance Auto Insurance.

There have been complaints about First Acceptance not providing money when they say they will, providing much less money than the estimate to repair the vehicle, and the rudeness and unprofessional attitude of customer service staff.

Customers of First Acceptance also complained about the claims process, rates changing frequently without explanation, hidden fees, refusal to cover many claims, or only paying a small portion of the repair cost.

Still, the fact remains that First Acceptance will often provide drivers with insurance when no other companies will. This is important, given that every state in the U.S. requires drivers to carry some level of auto insurance at the risk of suspension of their license to drive.

Ready to buy Acceptance Auto Insurance? For the best Acceptance Auto Insurance rates, enter your ZIP code below for rate comparison.

for Acceptance Insurance

3.77 (123 reviews)
March 4, 2021


Agent was very helpful

It was an excellent experience she was very helpful, and kind. I had a great experience. She was very great with explaining the policy
January 14, 2021


Car insurance

[REDACTED NAME] was nice . They got me the cheapest rate on the market . I’ve spoken to over 10 ppl within the last hr . You can’t beat there price . The phone hung up and she called back twice . They were extremely helpful .
September 9, 2020



Great help from a great team. Very helpful and friendly! Enjoyed the experience. Good coverage at a good cost.
March 12, 2020


Best Insurance

Acceptance is the best insurance company I have ever had. When ever I had a problem they always made things right with me. The price for my insurance was one of the cheapest.
February 29, 2020


Awesome job

Carrollton acceptance Insurance office is awesome they always make me feel welcomed and greet me soon as I walk through the door
January 17, 2020


Friendly service

Very helpful ppl who listen and greet you with kindness. I think that auto acceptance is the best at what they do.
December 27, 2019


Great insurance company

Great employees. Always friendly and great customer service skills. Staff members are always willing to help and get the best policy that works for you.
November 4, 2019



Awesome service!! Very polite customer service. Never had an issue with them, unlike some other companies I’ve used before.
October 13, 2019


How well they are.

I actually really enjoy this business for my auto insurance. I had never heard of it before and decided to give it a try. I pay up to $100 less with them than i wouldve with any other provider. Highly recommend.
September 10, 2019


great customer service

we have always had a great experience with acceptance. Whenever I have any questions about my policy, they always answer in terms that I can understand!
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