Acuity Insurance Review (2025)
- Overall rating: solid (4.4/5 stars)
- Average cost: $863 for a 6-month policy
- Digital Experience Score: Exceptional (4.8/5 stars)
Read more below to get a quote directly from Acuity
Acuity Insurance: A solid choice for most shoppers
Acuity earns a solid rating from The Zebra for its standout pricing and strong customer service. While it’s not available in every state, it comes close. Discount options are fairly standard — though not as extensive as some similarly sized carriers.
That said, Acuity’s rates are tough to beat, and most customers praise the service, even if claims communication doesn’t always rise to the same level.
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Consistency in Policy Terms: Stable terms provide predictable coverage at renewal.
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Online Account Management Capabilities: Handle routine tasks and updates online on your schedule.
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Communication During Claims Process: Poor communication forces you to chase down claim updates.
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Limited state availability: Acuity currently only operates in 30 U.S. states.
How The Zebra evaluates insurance companies
| Rating | Explanation | Star rating equivalent |
|---|---|---|
| Subpar | Lowest ranking, suggesting instability or high risk | 0-1.9 |
| Fair | Somewhat stable but not consistently reliable | 2-2.9 |
| Good | Generally dependable with moderate stability | 3-3.9 |
| Solid | Strong, reliable and dependable with minor risks | 4-4.4 |
| Exceptional | Highest rating, indicating outstanding stability and reliability | 4.5-5 |
Methodology — how The Zebra reviews insurance companies
The team of insurance experts at The Zebra evaluates companies by focusing on customer experience first, with an emphasis on service quality, reliability, and ease of interaction. Unlike previous models, pricing is not scored but is instead presented separately as context for comparison.
Each category has been scored using a combination of our internal customer satisfaction survey results and published scores from reputable organizations such as AM Best and J.D. Power.
- Service Accessibility & Support Quality (25%): This category measures how easy it is to get help when needed, evaluating factors such as support channel availability (phone, chat, in-person, app), response times, agent knowledge, service hours, and language accessibility.
- Claims Experience (25%): This category assesses how smoothly the claims process works, considering ease of filing (online, app, or phone), transparency and communication, processing times, and fairness in dispute resolution.
- Digital Experience & Policy Management (25%): This category evaluates the convenience of managing your policy: this includes mobile app usability, website experience, account management, digital document access, self-service options, and platform integrations
- Trust & Reliability (25%): This category looks at a company’s overall reliability, measuring financial strength, market stability, regulatory history, communication transparency, and consistency in policy terms.
Price context: Pricing varies significantly based on individual circumstances and risk factors. Customers can evaluate cost-effectiveness based on their specific situation and the service quality scores provided.
How much is Acuity car insurance?
Currently, the national average for a 6-month car insurance policy is $1,084, whereas Acuity is about $863.
The Zebra’s Dynamic Insurance Rating Tool data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
See how Acuity stacks up against competitors →
Discounts offered at Acuity: a few ways to save
Acuity provides a number of auto insurance discounts, including:
Savings for bundling home and auto insurance with Acuity.
Reduced rates for drivers who have completed an approved defensive driving course.
Discounts for students who maintain a B average or higher.
| Multi-policy | Multi-vehicle |
| Prior insurance | Good student/graduate |
| Accident prevention course | Incident-free |
| Paid-in-full | Vehicle technology |
To learn more about each discount Acuity has to offer, see their discounts page.
Compare with other companies
See how Acuity stacks up against similar companies
Cost: $863 for a six month policy
Customer satisfaction: High
Our take:
- Cheap policy prices
- Above average claims satisfaction
- Received a Superior financial strength rating from AM Best
Cost: $1,249 for a six month auto policy
Customer satisfaction: Medium
Our take:
- Higher prices than Acuity
- Lower customer service scores than Acuity
- Lower overall claims satisfaction scores than Acuity
Cost: $1,133 for a six-month policy
Customer satisfaction: High
Our take:
- Higher prices than Acuity
- Lower customer service scores than Acuity
- Better bundling options than Acuity
Acuity's customer service & claims experience: Exceptional marks!
Acuity's customer service is regarded at one of the best in the industry according to our feedback. From their availabilty at the start of the policy to their easy and transparent claim process, their customer service will be helpful throughout
Thinking about Acuity?
See what other drivers are asking
Is Acuity’s zero-deductible glass thing real, or only on certain cars?
How does Acuity handle hail surge?
Will I actually save by bundling home and auto with Acuity?
Is it easier to use an agent to get Acuity or find insurance online?
How much will your rates climb after filing a claim with Acuity?
No one wants to file a claim, but sometimes it's impossible to avoid. See the table below for some examples of what you could be facing after filing a claim.
Updating data...
| Accident/Violation | Avg. 6 Mo. Premium |
|---|---|
| None | $1,009 |
| One comp claim | $1,058 |
| Two comp claims | $1,196 |
| At-fault accident - $1000-$2000 | $1,449 |
| At-fault accident - greater than $2000 | $1,901 |
Source: The Zebra
Acuity's claims process is easily started through any of their platforms making it convenient for policyholders. Customer satisfaction surveys consistently place Acuity in the top tier, indicating they offer very reliable service with handling both easy claims or more complicated claims efficiently.
Coverage options: Flexible and customizable
Acuity offers a wide range of coverage options including liability, collision, comprehensive, uninsured and underinsured motorist coverage and personal injury protection. They also offer additional coverages such as:
Final thoughts: Is Acuity Right for You?
Acuity offers auto insurance in many states, with solid digital tools and flexible policy options. While they’re not available everywhere, they do offer a range of personal lines coverage — making it a good pick if you’re looking to bundle home and auto. If you're considering Acuity, be sure to get a personalized quote and make sure the coverage fits your specific needs.
Frequently Asked Questions about Acuity
Get quotes from Acuity and other top companies
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Anonymized User Survey. The Zebra
About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.