First Acceptance Corporation Car Insurance Review 
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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UPDATED: Jan 25, 2021
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- 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 into all 50 states.
Acceptance Auto Insurance provides policies for auto, home, boat, 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.
According to the latest available data the company is accredited with the Better Business Bureau.
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What First Acceptance Corporation Offers
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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