First Acceptance Corporation Car Insurance Review [2020]

First Acceptance car insurance was founded in 1957 and now operates in 13 states. The company, now called Acceptance Auto Insurance, has a B financial rating from AM Best.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Dec 17, 2021

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Company Details
Address: 3813 Green Hills Village Drive
City: Nashville
State: TN
ZIP Code: 37215
Phone Number: 615-844-2800
Year Founded: 1957
AM Best Rating: B- (Fair)
Company Rating 0 (0 reviews)

Here's what you need to know...

  • First Acceptance Corporation is known as Acceptance Auto Insurance
  • Due to some recent bad years for claims, their financial stability is rated as “fair”
  • They offer services in 13 states

This car insurance review looks at First Acceptance Insurance Corporation of Nashville, Tennessee, who have simplified their public name to Acceptance Auto Insurance.

First Acceptance is a property and casualty company established in 1957 and now active in 13 states from Pennsylvania to Texas.

While the company is not yet doing business on a nationwide basis, their plans are eventually to expand affordable insurance coverage into all 50 states.

Acceptance Auto Insurance provides insurance policies for auto, homeowners insurance, boat, motorcycle coverage, and business needs, not only under the Acceptance name but also under the following DBAs:

  • U.S. Auto Insurance Co.
  • Harrison Brothers Insurance Agency
  • Village Auto Insurance Co.

They also offer 24-Hr roadside assistance coverage which includes the basic coverage options such as battery jump services, fuel runs, and flat tire changes.

According to the latest available data the company is accredited with the Better Business Bureau.

Looking for the best insurance rates? Your search for online car insurance quotes begins by entering your ZIP code above.

What does First Acceptance Corporation offer?

In 2015, financial services rating company A.M. Best reaffirmed a financial strength rating of “B” and an issuer credit rating of “BB+” for First Acceptance and its subsidiaries.

While the outlook for the company is considered fair, the ratings were not as high as they could have been due to several factors including high underwriting ratios, weak capitalization, and significant reserve loss in recent years.

On the positive side, First Acceptance has historically produced positive earnings while maintaining a strong balance sheet.

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