Acceptance Insurance review

Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Acceptance Insurance is a US broker aimed at seniors, selling auto, home, renters, life, health, pet and motorcycle cover on a monthly basis. Premiums run $100 to $500, and the brand sits at 219 of 252 on starting premium, so the money question decides it.

Key facts

Best for
US seniors who want personal lines cover and can pay monthly.
Premium from
$100 to $500 (Source, checked September 26, 2026)
Insurance types
Auto, Motorcycle, Home, Renters, Life, Health, Pet (Source, checked September 26, 2026)
Provider type
Broker (Source, checked September 26, 2026)
Monthly payments
Yes (Source, checked September 26, 2026)
Claims channels
Insurance-carrier, Online-form, Retail-office (Source, checked September 26, 2026)
Legal entity
Acceptance Insurance Agency of Tennessee, Inc. (Source, checked September 26, 2026)
Headquarters
United States (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)
Audience
Seniors
Pricing model
Monthly
Official website
acceptance.com

Apps and profiles

Elsewhere
LinkedInX

Pros and cons

Pros

  • Payments run monthly (monthly), so the annual premium is spread across the year.
  • Support runs on phone, email and help centre, so phone and email reach the same agency.
  • State licences are held across much of the country, including 3529 for the Tennessee Department of Insurance and 1631167 for the Texas Department of Insurance.
  • Cover spans auto, motorcycle and home, so a household can place its personal lines through the same broker.

Cons

  • The published starting premium of $100 to $500 sits well above the site median of €8.37.
  • Claims run through insurance carrier, online form and retail office, so an agent, an online form or the carrier sit between the policyholder and the settlement.
  • It is a broker rather than the risk carrier (broker), so the wording belongs to whichever carrier places the policy.
Acceptance Insurance

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Scored 8.9 / 10 by AssureCue.

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Who it suits

  • US seniors comparing auto and health cover with home or renters policies behind one agency.
  • Motorcycle riders, since the published starting premium of $100 to $500 comes from that line.
  • Households in states where the agency holds a licence, such as Tennessee and Texas.

Who should look elsewhere

  • bunq, if the entry point is all that matters: its starting premium is €0.
  • Good Sam Insurance Agency, because auto, home and renters carries travel while auto, motorcycle and home does not.
  • EuroAsia Insurance, whose starting premium of UZS 60,000 is quoted in another currency, so it is not a like for like comparison.

The company behind it

Acceptance Insurance trades as Acceptance Insurance Agency of Tennessee, Inc. (Acceptance Insurance Agency of Tennessee, Inc.) and is based in the US. Support runs on phone, email and help centre. State licences cover much of the country, including 3529 for the Tennessee Department of Insurance, 1631167 for the Texas Department of Insurance and 107140 for the Michigan Department of Insurance and Financial Services.

How Acceptance Insurance compares

Where Acceptance Insurance is available

Available
United States
Licence in United States
Tennessee Department of Insurance (3529), checked September 26, 2026
Licence in United States
Alabama Department of Insurance (454968), checked September 26, 2026
Licence in United States
Arizona Department of Insurance (1800013623), checked September 26, 2026
Licence in United States
Arkansas Insurance Department (3000692583), checked September 26, 2026
Licence in United States
California Department of Insurance (0K20173), checked September 26, 2026
Licence in United States
Colorado Division of Insurance (484207), checked September 26, 2026
Licence in United States
Florida Office of Insurance Regulation (L012994), checked September 26, 2026
Licence in United States
Georgia Office of Insurance and Safety Fire Commissioner (155089), checked September 26, 2026
Licence in United States
Indiana Department of Insurance (38075), checked September 26, 2026
Licence in United States
Illinois Department of Insurance (100311776), checked September 26, 2026
Licence in United States
Kentucky Department of Insurance (DOI-945502), checked September 26, 2026
Licence in United States
Louisiana Department of Insurance (734277), checked September 26, 2026
Licence in United States
Maryland Insurance Administration (2173880), checked September 26, 2026
Licence in United States
Michigan Department of Insurance and Financial Services (107140), checked September 26, 2026
Licence in United States
Mississippi Department of Insurance (10004468), checked September 26, 2026
Licence in United States
Missouri Department of Insurance (8012777), checked September 26, 2026
Licence in United States
Nevada Division of Insurance (1102078), checked September 26, 2026
Licence in United States
New Jersey Department of Financial Services (3000716892), checked September 26, 2026
Licence in United States
New Mexico Insurance Superindendendent (1800012108), checked September 26, 2026
Licence in United States
North Carolina Department of Insurance (1000455900), checked September 26, 2026
Licence in United States
Ohio Department of Insurance (34578), checked September 26, 2026
Licence in United States
Oklahoma Insurance Department (3000675919), checked September 26, 2026
Licence in United States
Oregon Department of Consumer and Business Services (100268731), checked September 26, 2026
Licence in United States
Pennsylvania Insurance Department (486974), checked September 26, 2026
Licence in United States
South Carolina Department of Insurance (1905127859), checked September 26, 2026
Licence in United States
Texas Department of Insurance (1631167), checked September 26, 2026
Licence in United States
Utah Department of Insurance (534914), checked September 26, 2026
Licence in United States
Virginia State Corporation Commission Bureau of Insurance (137872), checked September 26, 2026
Licence in United States
Washington Insurance Commissioner (893103), checked September 26, 2026
Licence in United States
West Virginia Insurance Commissioner (100201524), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does Acceptance Insurance cost?+

Acceptance Insurance lists a starting premium of $100 to $500 against motorcycle cover. That is the published entry point rather than a quoted example from a calculator, so treat it as an advertised rate. On the site's starting premium ranking the brand sits at 219 out of 252.

Can I pay monthly?+

Yes. The pricing model is listed as monthly and monthly payments are available, so a policy is paid across the year rather than settled upfront. Support runs on phone, email and help centre, so a payment date can be changed through the same channels that handle the rest of the service.

Who regulates Acceptance Insurance?+

The agency works as a broker in the US and holds state licences, among them 3529 with the Tennessee Department of Insurance and 1631167 with the Texas Department of Insurance. As a broker it places cover with a carrier, so the wording sits with that carrier.

What kinds of insurance does it sell?+

The listed lines are auto, motorcycle and home, which covers the usual personal book for a household. Motorcycle cover is the line the published starting premium is quoted against. Travel does not appear in that list, which is where Good Sam Insurance Agency differs in auto, home and renters.

Who is the agency built for?+

The stated audience is seniors, and the product mix fits: auto and health cover sitting alongside home, renters and life policies for older drivers and their households. Monthly payments also spread the cost across the year, which suits a household living on a pension.

How do I make a claim?+

Claims can go in through insurance carrier, online form and retail office: an insurance carrier, an online form or an agent at a retail office are all listed routes. Because the agency is a broker, the paperwork runs through the agency or the carrier it named on the quote, so keep the policy details to hand before calling.

How do I get help from the agency?+

Support runs on phone, email and help centre, so phone and email are both listed, alongside a help centre for self service questions. For policy changes the phone line is the practical route, while cover questions that do not need an agent can go through the help centre.

Sources

  • acceptance.com/about-us checked September 26, 2026

    Backs: Headquarters

    “Acceptance Insurance is a proud member of Confie, the largest personal lines agency in the U.S.”

  • acceptance.com/affiliate-disclosure checked September 26, 2026

    Backs: Legal entity, Licences

    “Acceptance Insurance Agency of Tennessee, Inc., dba Acceptance Insurance”

  • acceptance.com/customer-service checked September 26, 2026

    Backs: Provider type, Support channels

    “Please contact your insurance carrier directly. Your carrier information is on your policy documentation.”

  • acceptance.com/make-a-payment checked September 26, 2026

    Backs: Pricing model, Monthly payments

    “Just go online every month and make your payment.”

  • acceptance.com/our-products/auto-insurance/senior-auto-in... checked September 26, 2026

    Backs: Audience

    “Get A Free Quote for Auto Insurance Seniors and Elderly Drivers”

  • acceptance.com/our-products/motorcycle-insurance checked September 26, 2026

    Backs: Insurance types, Premium from

    “Vehicle Insurance: Auto Insurance, RV or Motorhome Insurance, Motorcycle Insurance, Boat Insurance, ATV Insurance, SR-22 Auto Insurance; Property Insurance: Renters Insurance, Homeowners Insurance,...”

  • acceptance.com/our-products/pet-insurance checked September 26, 2026

    Backs: Claims channels

    “Submit a Claim: After settling the vet bill, file a claim with ASPCA. This typically involves completing a form and submitting a copy of the invoice.”

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

Acceptance Insurance

Acceptance Insurance

US seniors who want personal lines cover and can pay monthly.

8.9/10See alternatives

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