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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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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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 Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 14, 2021

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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
Company Rating 1.23 (43 reviews)

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
Idaho$679.89$673.13$650.57$639.19$641.96
Iowa$702.46$683.67$668.09$656.84$648.99
Maine$703.82$689.12$674.94$667.66$662.28
Wisconsin$737.18$716.83$689.77$666.79$669.99
Indiana$755.03$728.93$704.50$724.44$710.36
Vermont$764.02$746.79$734.82$726.57$716.14
South Dakota$766.91$744.28$717.30$690.95$669.20
North Dakota$773.30$768.09$743.27$714.75$688.74
Ohio$788.56$766.66$738.68$714.05$697.61
North Carolina$789.09$768.28$739.91$720.47$708.10
New Hampshire$818.75$795.50$773.30$755.76$746.57
Nebraska$831.02$805.99$773.64$751.18$732.21
Virginia$842.67$836.14$809.40$781.38$768.95
Wyoming$847.44$844.33$804.52$796.14$791.14
Kansas$862.93$850.79$815.82$785.72$780.43
Montana$863.52$868.55$842.74$821.68$816.21
Alabama$868.48$837.09$811.75$788.07$784.38
Tennessee$871.43$855.56$829.38$794.53$767.82
Missouri$872.43$845.39$819.79$799.14$790.27
Utah$872.93$852.66$820.92$805.32$809.35
Hawaii$873.28$858.16$844.16$844.12$861.95
Minnesota$875.49$856.62$823.70$800.24$777.17
Illinois$884.56$854.10$819.27$806.21$803.04
Oregon$904.83$894.10$856.26$818.07$804.59
Arkansas$906.34$900.18$868.13$843.07$829.13
New Mexico$937.59$920.42$888.83$866.19$869.85
Kentucky$938.51$917.49$904.99$888.46$872.48
Washington$968.80$952.10$914.04$891.04$889.82
Pennsylvania$970.51$950.42$930.48$915.83$904.47
Arizona$972.85$961.88$926.52$899.91$899.33
South Carolina$973.10$936.69$904.22$880.82$857.70
Colorado$981.64$939.52$887.57$849.74$835.50
California$986.75$951.75$922.69$891.68$881.07
Mississippi$994.05$957.59$925.13$902.95$895.69
Oklahomaz$1,005.32$985.58$931.41$902.90$881.50
West Virginia$1,025.78$1,032.45$1,021.37$1,005.68$992.57
Alaska$1,027.75$1,050.09$1,058.15$1,053.54$1,053.48
Georgia$1,048.40$991.25$949.33$922.05$912.49
Nevada$1,103.05$1,083.42$1,047.74$1,024.09$1,029.87
Texas$1,109.66$1,066.20$1,017.81$974.68$959.87
Maryland$1,116.45$1,096.37$1,071.35$1,056.82$1,048.86
Massachusetts$1,129.29$1,107.76$1,080.48$1,048.06$1,011.14
Connecticut$1,151.07$1,132.78$1,109.03$1,082.28$1,068.18
Delaware$1,240.57$1,215.69$1,187.18$1,153.59$1,134.60
Florida$1,257.13$1,208.77$1,209.70$1,196.57$1,160.13
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
Michigan$1,364.00$1,350.58$1,264.20$1,171.94$1,110.64
New Jersey$1,382.79$1,379.20$1,369.70$1,334.59$1,303.52
Louisiana$1,405.36$1,364.17$1,307.72$1,275.10$1,281.55
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
1-615-327-4888

Acceptance Customer Service:
3813 Green Hills Village Drive
Nashville, TN 37215
1-800-321-0899

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.

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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.

55 Comments

  1. Charla Mosley January 4, 2012
  2. crystal January 4, 2012
  3. CM#23 February 1, 2012
  4. K.Frances April 16, 2012
  5. M May 16, 2012
  6. R. Gibbons June 7, 2012
  7. Todd Box July 1, 2012
  8. anita postell July 26, 2012
  9. TruXter August 18, 2012
  10. Corey Haney March 31, 2013
  11. F u June 12, 2013
  12. jose perea August 6, 2013
  13. jose perea August 6, 2013
  14. B Williams August 21, 2013
  15. Pissed off November 15, 2013
  16. Fredonia T December 17, 2013
  17. Meow January 24, 2014
  18. Angry Customer June 17, 2014
  19. Irritated July 20, 2014
  20. Sherrome Nichols July 29, 2014
  21. Johnathan October 28, 2014
  22. Ashley fell November 16, 2014
  23. marisol December 19, 2014
  24. horrible liars January 8, 2015
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  32. Michelle E. September 15, 2015
  33. horrible cust. service September 30, 2015
  34. Barbara September 30, 2015
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  37. Marcie Coterel January 17, 2016
  38. Tina January 21, 2016
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