Acuity Auto Insurance Review: Ratings and Quotes (2024)

Acuity is a well-established super-regional mutual insurance company known for taking care of its customers. It has a history that spans nearly a century and offers some standout features, like special discounts and services tailored to policyholders’ needs.

Customer reviews paint a promising picture of the company’s consumer-focused benefits and discount programs. However, potential policyholders should note its higher-than-average premiums and limited availability in certain states.

As you comparison shop for car insurance, here’s what you need to know about Acuity’s reviews, rates, and customer satisfaction.

What is Acuity auto insurance?

Acuity is a traditional insurance company that’s provided insurance coverage for nearly 100 years. As a mutual insurance company, it focuses on meeting policyholder needs rather than catering to stockholders.^[1]

Acuity provides property and casualty insurance such as home and auto insurance in more than 30 states, according to the company website. It's difficult, however, to find a listing on the website of the exact states where it sells auto insurance.

Acuity pros and cons

Average cost of Acuity auto insurance

Auto insurance prices from Acuity depend on your specific situation, including location, driving history, coverage type, and policy limits.^[2] Acuity policyholders pay an average annual rate of $4,176, or $348 per month, for full coverage. Liability-only coverage from Acuity is typically around $2,784 annually, or $232 per month.

Compared to the national average, Acuity’s premiums are more expensive. The average driver in the U.S. pays $211 per month for full coverage and $104 per month for liability coverage.

Acuity car insurance coverage

Acuity’s typical liability policy meets state minimum requirements for auto insurance. You may also purchase comprehensive and collision coverage from Acuity. Most states require drivers to have liability coverage to pay for property damages and bodily injuries in accidents the driver causes. Comprehensive and collision, commonly known as full coverage, can pay for damages to your own property in an accident you cause.

But it has several coverage add-ons to choose from:

• Vehicle replacement coverage: If a covered loss totals your vehicle, Acuity will replace it with a similar make and model.

• Windows and windshield coverage: This repairs or replaces windshields and windows.

• Towing and labor: This coverage provides assistance for flat tires and other roadside issues.

• Key and lock replacement: This provides coverage for lost or stolen keys.

• Personal property coverage: This provides protection for in-car belongings and replacement of personal items other policies may not cover.

• Veterinary reimbursement: This covers veterinary expenses for pets injured in car accidents.

• Loan/lease coverage: This covers the difference between the car’s value and the remaining loan or lease amount after a total loss.

• Temporary transportation: This covers rental car expenses while your vehicle is in the shop for repairs.

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Acuity car insurance cost by state

Every state sets its own car insurance requirements, and quotes can vary depending on where you buy coverage. This means that the same coverage that might be affordable in one state could be much pricier in another.

The table below shows the average monthly cost for Acuity coverage in two states.

Acuity auto insurance rates by driving history

Acuity looks at several elements to set your auto insurance rate, including your driving record. Insurance companies use your driving history as an indicator of future driving behavior, making it one of the top factors in determining your premiums. Higher-risk drivers with speeding tickets, at-fault accidents, or DUIs can see much more expensive premiums than drivers with a clean record.

The following table shows the average Acuity car insurance rates for different driving records.

Acuity car insurance cost by age

Age is another factor that affects how much you pay for auto insurance coverage. Different age groups have different levels of risk when it comes to driving experience and behavior. Teens tend to pay the most for car insurance because they have the least experience behind the wheel and the highest accident frequency of any age group.

Here’s how much Acuity car insurance costs, on average, for different age groups.

How to get an Acuity car insurance quote from Insurify

It’s easier to get an Acuity car insurance quote than you might think. Insurify makes the process as simple as possible by letting you compare your rates from Acuity with other companies side by side.

Here’s how to do it:

1. Enter your ZIP code. Your free Acuity auto insurance quote starts by entering your ZIP code and clicking the “Get my quotes” button. Insurify asks whether you own or rent a home, if you have a current auto policy, and why you’re shopping for insurance.

2. Provide vehicle and driver information. Enter information for each vehicle you want to insure and every driver you want to add to your policy.

3. Qualify for discounts. Answer a few questions about each driver to determine eligibility for policy discounts.

4. Enter your current insurance and driving history. Share your insurance company’s name if you have a current auto policy, and enter any driving incidents from the past five years.

5. Add your contact information. Enter your address, email, and phone number.

6. Compare quotes. Compare real-time quotes to choose the best deal for your needs.

Don’t be alarmed if you don’t see Acuity on the list. The company doesn’t offer policies in every state, so it may not be available where you live. You can look at other companies that provide car insurance coverage. For more information, such as policy limits and coverage types, click on “View deal.” It will also provide you with payment options and a down payment amount.

Acuity car insurance discounts

Discounts are one of the best ways to lower your car insurance bill, and Acuity offers plenty. You’ll find savings opportunities based on customer loyalty, driver profiles, and more.

• Multi-policy: You can save up to 20% if you bundle policies such as home and auto with Acuity.

• Multi-vehicle: If you insure two or more cars, you can get cheaper premiums.

• Prior insurance: Tell Acuity about your previous car insurance company for a discount.

• Good student: Maintain a “B” average or better in school for a discount.

• Accident prevention course: You can get a discount if you take a qualifying defensive driver course.

• Incident-free: Maintain a clean driving record without accidents, moving violations, or claims for lower rates.

• Paid-in-full: You can get a discount for paying your premiums up front and in full.

• Vehicle technology: Vehicles equipped with advanced safety features can lower your premiums.

Acuity insurance bundling options

Bundling means combining multiple insurance policies with one company, giving you a single point of contact for your coverage. Besides car insurance, you can get coverage for your motorcycle, boat, camper, home, condo, and personal belongings from Acuity. Bundling your policies is a great way to save on your car insurance.

Acuity has two primary bundling packages: Auto and home or auto and renters insurance. Both options can reduce your insurance costs by up to 20%. You can save with Acuity’s Per-Pak program if you don’t have auto and home insurance. It lets you combine any two or more policies to make your own package, such as bundling boat and car insurance.

Acuity insurance reviews and ratings

Price is crucial when comparing car insurance, but you must also consider customer service and company reviews in greater detail. Acuity prioritizes policyholder experience, and it shows in the reviews and ratings. However, a few of the reviews don’t paint a positive picture for the company.

Acuity customer reviews

Overall, Acuity policyholders find the pricing fair and appreciate the company's distribution network of knowledgeable independent insurance agents. Reviews consistently mention the efficiency, professionalism, and speed of service, especially in the claims process. Policyholders also find the company’s online platform easy to use for managing their policies.

Customer reviews also highlighted some concerns. Specifically, rising insurance rates are a growing issue. Policyholders also complained about delays in getting approval for vehicle repairs and customer service not responding to their concerns.

Acuity ratings

Rating agencies provide a snapshot of the company’s financial strength, customer satisfaction, and overall performance. It’s like a report card for insurance companies. A financial strength rating indicates Acuity's fiscal standing, including its ability to pay claims.

• AM Best: A+ (Superior)

• S&P: A+

• National Association of Insurance Commissioners (NAIC) Complaint Index: 0.29

Acuity vs. other insurance companies

The car insurance world is packed with numerous companies all trying to get your business. With so many options, finding coverage that fits your needs can be overwhelming. The good news is that having such a saturated market means lots of competition — companies might offer better deals to stand out and get your attention.

Here’s how Acuity insurance compares to other auto insurers.

Acuity vs. Auto-Owners

Like Acuity, Auto-Owners is a mutual insurance company. It offers home, auto, life, and business insurance. For car insurance, Acuity is much more expensive to buy coverage. The average Auto-Owners policyholder pays monthly premiums of $35 for liability coverage and $76 for full coverage.

If you own a new vehicle, Acuity is likely the better option. It has vehicle replacement coverage that pays for a brand-new car of the same or similar model. However, you may want to go with Auto-Owners if you want to add life insurance since Acuity doesn’t offer it.

Acuity vs. Erie

If your focus is on price alone, Acuity doesn’t stand a chance compared to Erie. Acuity’s rates are nearly three times as much for liability insurance and nearly four times higher for full coverage. Erie is also the clear choice if you live in Kentucky, Maryland, New York, North Carolina, or West Virginia since Acuity doesn’t offer coverage in those states.

Acuity and Erie have overlapping coverage options. Both have vehicle replacement coverage for newer vehicles, but Erie takes it a step further with its better vehicle replacement coverage for older cars. Erie also offers first-accident forgiveness and diminishing deductible, giving drivers a leg up in reducing their premiums.

Acuity vs. Travelers

Travelers is one of the largest car insurance companies in the U.S. The company has been in business for more than 165 years and provides funds and volunteers to support local communities. But it isn’t a mutual insurance company like Acuity — Travelers is publicly traded and must answer to shareholders. Still, Travelers’ average prices are less than the average cost with Acuity.

Travelers is a great company if you drive for Uber or Lyft since Acuity doesn’t offer rideshare coverage. But Acuity may be the better choice if you travel frequently with your pet — it has veterinary expense reimbursement if your furry companion is hurt in a car accident.

How to file an auto insurance claim with Acuity

An auto insurance claim is a formal request to your insurance company asking it to pay for damages your policy covers. You’ll file a car insurance claim after you’re in a car accident or experience theft, vandalism, or damage to your vehicle.

Acuity lets you file a claim online, via its mobile app, or by phone, any time of the day or night. Here’s how:

1. Gather details. Write down the date, time, location, names, and contact information of other parties, and police or incident report numbers. Have your Acuity policy number handy, too.

2. Notify Acuity. Use Acuity’s online claims page, mobile app, or call 1 (800) 242-7666 to file a claim.

3. Check your policy. Know your policy details, like deductibles and if it covers rental cars while yours is in the shop. You can find this information on the declarations page of your policy documents.

4. Cooperate with the adjuster. Acuity will assign an adjuster to guide you through the process.

5. Repair or replace your car. Choose a shop to repair your car or look for a check to cover the vehicle’s value if it’s a total loss.

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