Acuity auto insurance review: Great customer service
Acuity offers useful ways to customize a basic car insurance policy, plus reliable customer service at an affordable price.
By
Andrew HurstAndrew HurstSenior Editor & Licensed Auto Insurance ExpertAndrew Hurst is a senior editor at Policygenius who has spent his entire career writing about life, disability, home, auto, and health insurance. His work has been featured in The New York Times, The Wall Street Journal, the Washington Post, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, and Property Casualty 360.
Edited by
Anna SwartzAnna SwartzSenior Managing EditorAnna Swartz is a senior managing editor who specializes in home, auto, renters, and disability insurance at Policygenius. Previously, she was a senior staff writer at Mic and a writer at The Dodo. Her work has also appeared in Salon, HuffPost, MSN, AOL, and Heeb.
Our proprietary ratings methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the “Ratings methodology” section for more details.
4.5
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A+
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
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The bottom line
Acuity’s practical coverage and dependable service make it a good choice of car insurance company where it’s available. With Acuity, drivers can choose from policy add-ons like new car replacement coverage, gap insurance, and personal belongings coverage.
As far as customer service goes, Acuity receives fewer complaints for service, claims processing, and price than is standard for the industry. Acuity’s rates are relatively cheap, too, but drivers who want the absolute lowest rates may want to look elsewhere.
Pros
Offers gap coverage, personal belongings coverage, and more
Receives very few complaints
Slightly cheaper-than-average rates
Cons
Not available in every state
Basic coverages offered
Acuity has all of the basic types of car insurance that are required in most states. Depending on your state, Acuity’s coverage offerings may change, but usually include:
Bodily injury liability: Covers the cost of injuries to others you cause in an at-fault accident.
Property damage liability: Covers the cost of property damage that you cause in an at-fault accident.
Collision coverage: Covers the cost of damage to your own car if you collide with another driver or object.
Comprehensive coverage: Covers the cost of repairs if your car is damaged outside of a collision, like by flooding, fire, or falling objects.
Personal injury protection: Covers your injuries after an accident , along with lost wages, and medical care (PIP is required in no-fault states).
Medical payments: Covers your injuries after a crash, but often has lower limits than personal injury protection does.
Additional coverages offered
Acuity also has a few other types of car insurance that you can add to your policy. Not only does Acuity offer a wide range of these coverage add-ons, called endorsements, they’re also useful options for most drivers.
Full glass coverage: Pay no deductible when you use your insurance to repair or replace a window or windshield.
Gap coverage: Covers the difference between your totaled car’s value and the remainder of your loan or lease.
Key and lock replacement coverage: Replaces your keys and locks after your keys are lost or stolen.
Injured pet coverage: Pays for the cost of vet care after your pet is injured in a car accident.
New car replacement coverage: Replaces your totaled vehicle with a new car of the same model, or 25% above your car’s value depending on how old it is.
Personal belongings coverage: Covers any personal property that was inside your car if it’s damaged or stolen.
Roadside assistance coverage: Covers towing, jumpstarts, fuel deliveries, and other roadside services if you’re stranded.
Rental car reimbursement coverage: Pays for another form of transportation while your regular car is in the shop after a covered incident, including a rental car or taxi service.
Trip interruption coverage: Covers transportation, dining, and lodging after an accident while you’re far from home.
Ratings methodology
Price
4.1/5
We compared the cost of car insurance from Acuity by analyzing rates from every ZIP code in all 50 states and the District of Columbia. These rates were for a sample driver, age 30, with no previous accident or claims history. Our sample driver owned a 2017 Toyota Camry. On average, Acuity is $112 cheaper per year than average.
Customer experience
4.7/5
Acuity has a complaint index of 0.17 according to the National Association of Insurance Commissioners. This is much lower than the national average, which is 1.0. Acuity receives far fewer complaints for service, claims process, and price than competitors.
Coverage options
3.5/5
We gave Acuity points for every type of car insurance coverage it offers. Next, we compared its coverage score against its competitors and found that Acuity has more car insurance coverage options than competitors.
Financial strength
4.0/5
Acuity received an A+ financial strength rating from A.M. Best and S&P. These ratings mean that Acuity will be able to pay its claims after a loss, and that the company’s long-term stability is healthy.
Cost of Acuity car insurance
The average cost of Acuity car insurance is $127 per month, or $1,526 per year. While this is still cheaper than average, it’s just $11 cheaper per month (or $112 per year) than average. If cheap rates are your main focus, another car insurance company might offer you a lower quote.
Coverage amount
Average annual rate for Acuity
Required state minimum
$477
Full coverage ($50,000/$100,000)
$1,526
Full coverage ($100,000/$300,000)
$1,588
Acuity isn’t necessarily the cheapest insurance company, but it’s still more affordable than some more well-known car insurance companies. We found that Acuity has lower average insurance rates than Progressive, Allstate, and Farmers.
Car insurance discounts from Acuity
Drivers can lower their car insurance rates by qualifying for any of Acuity’s available discounts, which include:
Good student discount: High-school and college students can earn a discount by getting a “B” grade-point average or better.
Multi-policy discount: Bundle your Acuity auto insurance with a home, recreational vehicle, boat, or umbrella policy and save up to 20%.
Multi-vehicle discount: Receive a discount when you insure more than one vehicle with Acuity.
Paid-in-full discount: Get a discount when you pay your whole premium at once when your policy starts.
Prior insurance discount: Get lower rates if you’ve had continuous car insurance coverage with no lapses, even if it’s with another company.
Vehicle technology discount: Receive a discount if your car has safety features like a collision-warning or lane-departure system.
Where is Acuity car insurance available?
Acuity car insurance is available in most states, but not everywhere. There are 14 states (including the District of Columbia) where Acuity doesn’t offer car insurance coverage:
Alaska
California
Connecticut
District of Columbia
Florida
Hawaii
Louisiana
Maryland
Massachusetts
New Jersey
New York
North Carolina
Rhode Island
South Carolina
What to expect with Acuity insurance
How to get a quote: You can get a quote from Acuity online, on the Acuity app, or by contacting an independent agent or broker.
Customer service options: You can use Acuity’s mobile app to contact customer service, or you can call 800-242-7666 with the extension 5522.
How to file a claim: Acuity accepts claims online, through the mobile app, and over the phone.
How to cancel your policy: You can cancel your Acuity car insurance by contacting your insurance agent.
Acuity vs. other car insurance companies
Make it easy to find the right car insurance by comparing companies. You can check how Acuity’s rates, service, and financial strength match up with its competitors here.
Acuity is one of our highest-rated car insurance companies thanks to its variety of car insurance coverage offerings, low number of complaints, and cheaper-than-average rates.
Is Acuity good at paying claims?
Acuity has a complaint index of just 0.17 according to the National Association of Insurance Commissioners, while the expected complaint index in the market is 1.00. That means Acuity receives far fewer complaints than other companies, which could signal that Acuity customers are generally happy with their service, including claims.
What does insurance cost at Acuity?
On average, car insurance from Acuity costs $1,526 per year. That’s cheaper than the national annual average cost of $1,638 per year for a full-coverage policy.
Who can get Acuity car insurance?
Anyone who lives in the states where Acuity offers car insurance can get a policy. Acuity doesn’t offer car insurance in Alaska, California, Connecticut, the District of Columbia, Florida, Hawaii, Louisiana, Maryland, Massachusetts, New Jersey, New York, North Carolina, Rhode Island and South Carolina.
Andrew Hurst is a senior editor at Policygenius who has spent his entire career writing about life, disability, home, auto, and health insurance. His work has been featured in The New York Times, The Wall Street Journal, the Washington Post, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, and Property Casualty 360.
Anna Swartz is a senior managing editor who specializes in home, auto, renters, and disability insurance at Policygenius. Previously, she was a senior staff writer at Mic and a writer at The Dodo. Her work has also appeared in Salon, HuffPost, MSN, AOL, and Heeb.
