Updated: September 19, 2025
Advertising & Editorial Disclosure
Acuity ranks 26th for full coverage affordability and 23rd for minimum liability coverage with average monthly rates of $146 and $61, respectively.
Acuity earns seventh place nationwide for customer satisfaction, standing out due to strong agent service and positive forum reviews from policyholders.
Acuity earns the 10th spot for its range of coverage options, providing distinctive like accident forgiveness and new car replacement coverage, which provide solid protection for their policyholders.
Acuity is the country's 19th largest car insurance provider and a trustworthy choice for many drivers looking for reliable coverage. The company offers various coverage options and overall customer experience, receiving especially high ratings in these areas.
This ranking is based on a 40-year-old male driver with good credit and no driving violations and the company's ranking for you will depend on your profile and coverage needs.
| Affordability | 4.18 | 22 |
| Coverage | 3.33 | 10 |
| Customer Experience | 4.60 | 7 |
| Overall Score | 4.22 | 19 |
Acuity works best for adult drivers, those with old cars, bad credit issues, and lower incomes seeking affordable coverage. However, young drivers and those with speeding tickets should skip Acuity due to much higher rates.
You can compare how it stacks up for your unique profile below.
| Overall Score | 3.71 | 34 |
Acuity car insurance pricing varies dramatically based on your profile, ranging from $61 to $3,453 monthly. We've analyzed how rates differ by age group, gender, coverage type, credit score and driving history to help you estimate your premium.
| $506 | $6,073 | 83% | 34 |
Acuity is much more expensive on average for most drivers, including young drivers, seniors and those with accidents or violations. Review how Acuity’s rates compare for your driving category below and see how they compare to the cheapest car insurance companies.
| Adult Drivers | $53.87 | $130.29 | 8% | 22 |
| Drivers With A DUI | $115.84 | $282.53 | 24% | 29 |
| Drivers With An Accident | $111.81 | $270.36 | 59% | 32 |
| Drivers With A Speeding Ticket | $106.35 | $255.30 | 76% | 33 |
| Drivers With Bad Credit | $98.81 | $252.59 | 2% | 25 |
| Drivers With Low Income | $72.82 | $183.73 | 19% | 29 |
| Drivers With Newer Cars | $76.82 | $186.75 | 16% | 25 |
| Drivers With Old Cars | $46.42 | $112.43 | 6% | 22 |
| Senior Drivers | $80.65 | $174.09 | 21% | 27 |
| Young Drivers | $243.36 | $610.60 | 124% | 34 |
*All profiles are based on a 40-year-old male driver with good credit and no driving violations, driving a 2012 Toyota Camry. Young drivers represent ages 25 and under, adults 26 to 64, and seniors 65+. Older vehicles change the vehicle age to 2007, and newer vehicles change it to 2025.
Acuity provides eight car insurance discounts, allowing potential savings of up to 20%. These savings depend on factors like your driving profile, participation in specific programs, and location. Check out its offerings:
Multi-Policy Discount | Up to 20% | Have two or more policies with Acuity (combine auto with home, recreational vehicles, boat, or umbrella) | Available across all 31 states served |
Multi-Car Discount | Not specified | Two or more vehicles in the household insured by Acuity | Available across all 31 states served |
Prior Insurance Credit | Not specified | As a newcomer to Acuity, recognition of time insured with previous insurance company | Available across all 31 states served |
Good Student Discount | Not specified | Full-time students who maintain a "B" average or better (discount continues after graduation) | Available across all 31 states served |
Driver Safety Course Discount | Not specified | Successfully completed a driver safety course (ask agent for list of qualifying courses and requirements) | Available across all 31 states served |
Incident-Free Discount | Not specified | Drivers who maintain an accident, violation, and claim-free record | Available across all 31 states served |
Paid-in-Full Discount | Not specified | Policy premium paid in full up front | Available across all 31 states served |
Safety Feature Discount | Not specified | Vehicles with high-tech crash prevention features (automatic braking, rear cameras, forward-collision warnings) | Available across all 31 states served |
Acuity earned seventh place in overall customer satisfaction in MoneyGeek's comprehensive customer experience study. Customer feedback highlights the company's strong performance in agent service and digital platform usability.
At the same time, reviews indicate more frequent complaints related to claims processing compared to other service areas. Below, we break down the buying, policy management and claims process experiences based on our research.
Acuity requires customers to purchase policies through independent agents rather than offering online quotes directly, which can slow the buying process.
Quotes typically require at least 30 days to process from paper applications. Although Acuity isn't featured in major J.D. Power studies due to its smaller market presence, customer feedback shows a clear appreciation for the knowledgeable agents and the personalized service they receive during the buying process.
However, many customers are worried about Acuity's much higher premiums, which can often exceed national averages and sometimes double the prices of competitors offering similar coverage.
The company's limited availability (not operating in 13 states, including California, Florida and New York) also limits accessibility for potential customers.
Digital capabilities show a mixed landscape. Customers appreciate the mobile app for making it easier to manage their policies and payments. But some users feel the online platform could use a more streamlined approach.
Acuity performs well in customer service customer service through independent agents, and many long-term clients value the personal relationships and quick support they receive.
Nonetheless, premium increases have become a major concern, with reports of 25% rate hikes from 2024 to 2025, even for drivers with clean records. The company's NAIC complaint index of 0.66 indicates roughly a third fewer complaints than expected for its size, suggesting generally satisfactory ongoing service.
Feedback on Acuity’s claims process is mixed. On Trustpilot, the company holds a 4.4-star rating from more than 2,100 reviews, but individual experiences vary. Positive reviews often mention efficient handling, fast processing and clear communication from representatives.
On the flip side, negative feedback brings attention to issues such as disputes over vehicle valuations (customers offered significantly below market value), delays in getting responses from adjusters, and significant rate increases after claims, which are notably higher than industry averages (115% increase after at-fault accidents as opposed to competitors' increases ranging from 16% to 89%).
BBB complaints highlight issues with unauthorized policy changes and billing disputes, though the company generally responds to resolve concerns.
Acuity ranks well for financial strength from all industry rating agencies, but in J.D. Power studies, the company finishes average or below average in most areas. Here are Acuity's scores from industry agencies.
AM Best Financial Strength | A+ (Superior) | A++ to D- | 23rd consecutive year earning A+ (Superior) rating - exceptional financial stability |
AM Best Long-Term Credit Standing | aa- | aaa to d | Downgraded from aa (Superior) to aa- (Superior) in January 2024 with stable outlook |
S&P Global Financial Strength | A+ | AAA to D | Reaffirmed A+ long-term financial strength and issuer credit ratings with stable outlook |
Moody's Financial Strength | Not Rated | Aaa to C | No rating available from Moody's |
J.D. Power Auto Claims Satisfaction | Not Specifically Ranked | 1,000-point scale | Not individually mentioned in recent J.D. Power studies due to regional focus |
J.D. Power Digital Service Experience | Not Specifically Ranked | 1,000-point scale | Not individually ranked in recent studies; company has strong mobile app ratings |
J.D. Power Auto Insurance Shopping Study | Not Specifically Ranked | Out of 1,000 | Not individually ranked in recent studies |
J.D. Power Overall Customer Satisfaction | Not Specifically Ranked | Out of 1,000 | Not regionally ranked in recent J.D. Power studies |
NAIC Auto Complaints | 0.66 | 1.00 is average | 34% fewer complaints than expected for insurers of its size - excellent customer service record |
Acuity customers often post on Reddit and other forums about their positive experiences, noting the company’s claims handling, pricing and straightforward approach to insurance.
The mutual company's financial strength and customer-first philosophy receives high marks from policyholders. Still, some concerns emerge around limited geographic availability and fewer digital features compared to larger national carriers.
Here are quotes from customer reviews that summarize experiences shared on forums across the web:
General thoughts on pricing are very positive, with customers appreciating competitive rates and excellent value for coverage according to forum users:
"Acuity's rates were significantly lower than State Farm and Allstate for the same coverage. Been with them three years now and no surprise increases - they seem to actually care about keeping customers."
Claims processing consistently earns high praise from customers, who frequently emphasize the speed, fairness, and ease of the entire experience:
"Hit a deer on a back road and filed my claim through the app. Had an adjuster call me within hours and my car was in the shop two days later. No runaround, no hassle - just excellent service."
"Acuity handled my total loss claim perfectly. They paid out fair market value without fighting me on it, and the whole process took less than a week. Other companies could learn from them."
Customer service earns consistent praise, and representatives are often noted for being knowledgeable, helpful and caring.
"Called Acuity with questions about adding my teenage driver and the rep spent 20 minutes explaining all my options and discounts. No pressure, just helpful information - refreshing in the insurance world."
"Every interaction I've had with Acuity has been positive. They actually answer their phones quickly and the people you talk to can solve your problems without transferring you around."
The digital experience receives mixed feedback. The basic functions work well, but some users would like more advanced features.
"Acuity's app is clean and simple - I can pay bills, check coverage, and file claims easily. It's not as fancy as some others but it gets the job done reliably."
"The website works fine for what I need, though I'd love to see more self-service options. Sometimes I still need to call for things I could probably handle online."
Trust levels are exceptionally high, with customers frequently mentioning Acuity's financial strength and ethical business practices:
"Acuity is rock solid financially and they prove it by how they handle claims. When the hailstorm hit our area, they had adjusters out immediately and paid claims fast - no games or delays."
"Been with Acuity for over 10 years and they've never let me down. They're a mutual company so they actually work for policyholders, not shareholders trying to maximize profits."
Customers appreciate Acuity's comprehensive coverage options and helpful agents who explain policies clearly:
"Acuity offers excellent coverage options and my agent helped me understand exactly what I was buying. No confusing fine print or surprise exclusions - everything was explained upfront."
"The coverage is solid and fairly priced. Only downside is they're not available everywhere, so when I moved states for work, I had to find a new carrier. Wish they wrote policies nationwide."
"Acuity's umbrella policy integrates perfectly with auto and home coverage. Having everything with one reliable company makes life so much easier."
Negative reviews dominate forums and don't reflect overall service quality. For a complete picture, combine user reviews with industry resources like J.D. Power, independent agents, National Association of Insurance Commissioners (NAIC) and the Insurance Information Institute.
Acuity provides standard coverages like other top insurers, including liability, comprehensive and collision protection. It also offers additional add-ons such as:
Roadside Assistance (Towing and Labor) | 24/7 emergency towing, jump starts, flat tire service, lockout service, fuel delivery, winching | Network of 30,000+ service providers; Available in all 50 states and Canada; Call 866.732.1466 |
Personal Auto Enhancements Endorsement | Bundle of multiple coverages including key replacement, personal property, travel expenses, pet injury, airbag replacement | $10,000 Accidental Death and Disability coverage; Increased Medical Payments for seatbelt use; Comprehensive package |
Replacement Benefits Coverage | New car replacement for vehicles up to 5 model years old | Pays for brand-new vehicle of current model year; Transitions to Actual Cash Value Plus 25% after 5 years |
Full Safety Glass Coverage | Windshield and glass replacement without comprehensive deductible | No deductible for glass claims; Comprehensive glass protection |
Gap Coverage (Loan/Lease) | Pays difference between vehicle value and loan balance if totaled | Protects against depreciation gap; Covers outstanding loan obligations |
Pet Injury Coverage | Veterinary expenses for pets injured in vehicle accidents | Included in Personal Auto Enhancements package; Covers accident-related pet injuries |
Personal Property Coverage | Replacement of personal items damaged in vehicle accidents | Covers belongings in car during covered losses; Part of enhancement package |
Travel Expense Coverage | Additional living expenses if stranded due to accident | Covers food, lodging, and incidentals; Helps with unexpected travel costs |
Rental Car Coverage | Coverage while operating rental vehicles | Extends policy coverage to rentals; May include loss of use and diminished value protection |
Here are other insurance types you can bundle with auto coverage or buy on their own:
Who Offers It? | Insurance Products |
|---|---|
Acuity (Directly Offered) | Auto Insurance, Homeowners Insurance, Renters Insurance, Condo Insurance, Motorcycle Insurance, ATV Insurance, Boat Insurance, Snowmobile Insurance, Camper/RV Insurance, Personal Umbrella Insurance, Business Insurance |
Third-Party Partner | No specific third-party partnerships mentioned on official website |
Acuity excels in affordability, customer experience and coverage, earning strong rankings in our study. It places 23rd overall for full coverage and 21st for minimum coverage. However, we recommend you compare options around, do your own research and decide on coverage needs before buying to get the best deal.
Here are MoneyGeek's expert answers to frequently asked questions about Acuity car insurance:
Yes, Acuity is a reputable car insurance provider, ranking 19th in our overall rankings. They also excel in customer experience, where they achieve seventh place.
Acuity isn't the best overall option in either of the states it's rated in, although it's in the top six.
Acuity charges adults an average of $754 annually for minimum coverage and $1,791 for full coverage. Annual premiums range from $738 to $12,676 for minimum and $1,756 to $33,607 for full coverage.
Customer feedback suggests Acuity maintains reasonable claim handling practices without widespread denial patterns. While some isolated complaints exist regarding specific claim decisions, the insurer lacks the systematic denial reputation seen with larger carriers. Limited review data makes comprehensive assessment challenging.
Note: This represents limited information based primarily on forum reviews.
Acuity ranks poorly for high-risk drivers. It's not a good choice for drivers with accidents (32nd overall) or speeding tickets (33rd overall).
Yes, Acuity raises car insurance rates over time due to inflation driving up repair and medical expenses, plus increased claims from distracted driving and severe weather events.
No, Acuity isn't ideal for young drivers as their expensive premiums result in a 34th place ranking for overall affordability among insurers.
MoneyGeek pulled auto insurance rate data from Quadrant Information Services and compared prices from 79 insurers in every U.S. ZIP code.
Standard Driver Profile Used for Analysis
We used a baseline driver profile to ensure consistent rate comparisons. Our standard driver has these characteristics:
We then modified specific variables, including age, driving record, credit score and military status, to determine which insurers offer the best rates for different driver categories. Our minimum coverage rates represent policies meeting state-required minimums. Full coverage includes 100/300/100 liability limits plus comprehensive and collision coverage with $1,000 deductibles.
Company Rating System
Our evaluation process weighted three key factors:
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
