Updated: September 8, 2026
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 it fits many drivers looking for reliable coverage. High ratings for coverage options and customer experience back that up. Compare Acuity against the best car insurance companies to find the right fit for your needs.
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 | 4.6 | 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 offers eight car insurance discounts with potential savings up to 20%. Savings depend on your driving profile, program participation and location. Its offerings are:
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 household vehicles insured by Acuity | Available across all 31 states served |
Prior Insurance Credit | Not specified | New to Acuity? Get credit for time insured with your previous company | Available across all 31 states served |
Good Student Discount | Not specified | Full-time students who keep a "B" average or better (discount continues after graduation) | Available across all 31 states served |
Driver Safety Course Discount | Not specified | Complete a driver safety course (ask your agent for qualifying courses and requirements) | Available across all 31 states served |
Incident-Free Discount | Not specified | Maintain an accident-free, violation-free and claim-free record | Available across all 31 states served |
Paid-in-Full Discount | Not specified | Pay policy premium in full upfront | Available across all 31 states served |
Safety Feature Discount | Not specified | Vehicles with crash prevention tech (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 instead of getting online quotes directly, which can slow the buying process.
Processing a quote from a paper application takes at least 30 days. Acuity isn't featured in major J.D. Power studies due to its smaller market presence, but customer feedback shows a clear appreciation for the knowledgeable agents and the personalized service they receive during the buying process.
Many customers worry about Acuity's much higher premiums, which can exceed national averages and sometimes double the prices of competitors selling 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 are mixed. Customers appreciate the mobile app for making it easier to manage their policies and payments, but some users feel the online platform could use improvement.
Acuity performs well in customer service through independent agents, and many long-term clients value the personal relationships and quick support they receive.
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 ongoing service holds up reasonably well.
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 commonly cite efficient handling, fast processing and clear communication from representatives.
Negative feedback points to a different set of issues: disputes over vehicle valuations, with settlement offers well below market value; delays in getting responses from adjusters; and rate increases after claims that land notably higher than industry averages, 115% after at-fault accidents compared with competitors' 16% to 89%.
BBB complaints highlight issues with unauthorized policy changes and billing disputes; Acuity does respond to resolve most of them.
Financial strength ratings put Acuity ahead of most competitors across every major agency, but J.D. Power studies put the company at average or below average in most categories. Acuity's scores from industry agencies appear below.
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.
Policyholders give high marks to the mutual company's financial strength and customer-first philosophy. Some concerns still emerge around limited geographic availability and fewer digital features compared to larger national carriers.
Customer reviews from forums across the web sum up the experience in their own words below:
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 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 draws praise from customers. People point to the speed, fairness and ease of the whole experience:
"My car clipped a deer out on a back road, so I filed the claim right through their app. An adjuster called within hours, and my car was already in the shop two days after that. No runaround, no hassle, just excellent service."
"My car was a total loss, and Acuity handled it without a single fight over the payout. Fair market value, no arguing, done in under a week. Other insurers should be taking notes."
Representatives consistently draw praise for being knowledgeable, helpful and caring.
"I had questions about adding my teenager to the policy, so I called Acuity. The rep walked me through every option and discount for a full 20 minutes, no pressure at all. That kind of straightforward help is rare in this industry."
"Every time I've dealt with Acuity, it's gone well. Someone picks up the phone fast, and whoever answers can actually fix the problem instead of bouncing me from department to department."
The digital experience gets mixed reviews. Basic functions work well, but some users want more advanced features.
"The app keeps things simple: paying bills, checking coverage, filing claims, all of it is easy to find. It's not the flashiest app out there, but it works every time I need it to."
"For the basics, the website does what I need. I'd like to see more self-service features. I still end up calling sometimes for things that feel like they should be handled online."
Trust stays high among these customers, with financial strength and ethical business practices coming up again and again.
"You can tell Acuity's financially stable just by watching how they handle claims. After the hailstorm came through, adjusters were out right away and payments went out fast. No delays, no games."
"I've stuck with Acuity for more than a decade and they've never dropped the ball. Since they're a mutual company, policyholders come first, not shareholders chasing bigger profits."
Customers appreciate Acuity's wide range of coverage options and helpful agents who explain policies clearly:
"My agent walked me through exactly what I was buying, and the coverage options were excellent. Nothing was buried in fine print or hidden as a surprise exclusion. It was all laid out upfront."
"Fair pricing and good coverage, no complaints there. The one drawback is limited availability. I relocated for a job and had to switch carriers because they don't write policies in my new state. Wish they went nationwide."
"The umbrella policy fits seamlessly with my auto and home coverage. Keeping it all under one reliable company makes life a lot simpler."
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. Isolated complaints exist regarding specific claim decisions, but the insurer lacks the systematic denial reputation seen with larger carriers. Limited review data makes a full assessment difficult.
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 keep rate comparisons consistent. Our standard driver has these characteristics:
We then changed specific variables, including age, driving record, credit score and military status, to find which insurers have the best rates for different driver types. Minimum coverage rates meet 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 factors:
Mark Fitzpatrick is a licensed Property and Casualty (P&C) Insurance Producer and MoneyGeek's resident expert in insurance and economics. In nearly a decade covering the insurance market at LendingTree and MoneyGeek, he's analyzed hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.
Mark studied at Boston College and later earned a master's in economics and international relations from Johns Hopkins University. He worked in financial risk management at State Street before joining MoneyGeek. He's also a five-time “Jeopardy!” champion.
