Acuity Insurance Review

  • With 3.6/5 stars in 2024, Acuity is an average insurance company.
  • Read Acuity reviews, complaints and prices before you buy.
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Beth Swanson

SEO Content Strategist

  • Licensed Insurance Agent — Property and Casualty

Beth joined The Zebra in 2022 as an Associate Content Strategist. She is a licensed insurance agent whose goal is to make insurance content easy to r…

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Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

Acuity insurance: Ratings and reviews

3.6 100% filled Star icon 100% filled Star icon 100% filled Star icon 60.00000000000001% filled Star icon 0% filled Star icon

Rating from The Zebra Question mark icon

Acuity, in business since 1925, offers auto insurance to drivers in various states across the U.S. and prides itself on great customer service with a personalized approach. This review aims to provide a balanced and honest assessment of what prospective customers can expect from Acuity car insurance. We'll look at Acuity as a whole based on price, customer service, coverage, and financial strength.

100% filled Star icon 100% filled Star icon 100% filled Star icon 60.00000000000001% filled Star icon 0% filled Star icon
3.6 stars Rating from The Zebra
Ratings based on price, customer service, coverage, and financial strength.
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  • Strong financial stability

  • Variety of policy customization options

  • Comprehensive digital resources

  • Not available in all states

  • Mixed customer service reviews

Is Acuity a good insurance company?

The following section evaluates Acuity based on customer service, claims satisfaction and financial strength:

Trustpilot Reviews: 4.3/5

  • Acuity earned 4.3/5 marks from Trustpilot for overall claims satisfaction[1]

BBB Customer Reviews: 4.27/5

  • Customers from Better Business Bureau rated Acuity as 4.27/5 in overall auto customer satisfaction[2]

Complaint Index: Below average

  • The National Association of Insurance Commissioners (NAIC) receives Below average customer complaints for Acuity[3]

Financial Strength: Superior

  • Acuity received an Superior financial strength rating from A.M. Best for its ability to pay out claims[4]

The Zebra Customer Satisfaction Survey

In addition to third-party ratings, we like to incorporate the results from our own consumer survey where we ranked which auto insurance companies are the best based on feedback from real customers. However, we did not collect a sufficient amount of data on Acuity for it to be included.

How much does Acuity insurance cost?

The cost of an Acuity car insurance policy can vary depending on factors such as the driver's history, type of vehicle, and location. A personalized quote is the best way to get an accurate price.

The table below shows how Acuity auto insurance compares against other top insurers. 

Average Monthly Cost by Insurance Carrier

Updating data...

Company Avg. Monthly Premium
Travelers $112
USAA $114
GEICO $129
State Farm $131
Acuity $143
Farmers $149
Progressive $157
Allstate $201

Source: The Zebra

Similar to any insurance company, pricing for Acuity's auto insurance does vary based on your age and generally will get cheaper the older you get

The table below shows Acuity's car insurance premiums for different age brackets. 

Acuity Costs by Age Group

Updating data...

Age Group Avg. Monthly Premium
Teens $1,129
20s $222
30s $187
40s $183
50s $172
60s $164

Source: The Zebra

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.

Discounts offered

Acuity provides a number of auto insurance discounts, including:

  • Multi-policy: Savings for bundling home and auto insurance.
  • Defensive driving: Reduced rates for drivers who have completed an approved defensive driving course.
  • Good student: Discounts for students who maintain a B average or higher.

There are other discounts you may qualify for, so it is worth checking your eligibility to possibly save on your premiums. Take a look at all of Acuity's discount programs here.

Search, compare and buy all on one site. Start saving today!

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What types of coverage does Acuity offer?

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:

  • Towing and labor: This pays the towing charges when your vehicle breaks down and includes 24/7 roadside assistance for flat tires, lock-outs and more.
  • Full safety glass: Acuity offers this extra coverage that keeps you from paying a comprehensive deductible when you need a new windshield.
  • Medical payments coverage: Limits on this are automatically increased if the injured party was wearing a seatbelt during the incident.

See Acuity's coverage details here.

Acuity logo

Where is Acuity available?

Acuity currently writes personal lines insurance policies in 37 states (excluding a few key locations such as Florida, New York and California). They also offer commercial lines only in five additional locations. You can get a quote directly from Acuity on their website or you can input your ZIP code to find a local independent agent nearby who works with Acuity. Their wide network includes over 30,000 independent agents. Acuity also offers an app so you've got quick access to all of your policy documents on the go and can connect with your agent easily.

Acuity insurance review: Summary

Acuity provides auto insurance coverage in many U.S. states, offering a range of policy customization options and a solid digital experience. However, their service is not available in all states and customer service reviews are mixed. They do offer a variety of personal lines coverages, so if you're looking to combine home and auto they can meet that need. It's advisable for potential customers to seek personalized quotes and carefully consider their unique insurance needs before deciding which insurance company is the best fit.

Methodology — how The Zebra reviews insurance companies

The team of insurance experts at The Zebra considers the company's standing in five main categories to come up with an overall rating. These metrics are weighted according to importance and are detailed below:

  • Price (20%): Using the base profile detailed below, we compared the company's average rate with the national average. If it surpassed this average, we gave a lower rating; if it fell below, we awarded a higher rating.
  • Coverage (20%): The highest-scoring companies offer a variety of coverage options, including bundling options, roadside assistance, telematics, beyond-basic coverage levels, and a variety of other coverage types.
  • Customer service (30%): We averaged ratings from JD Power, the NAIC complaint index to come up with a rating for the company's customer service. In instances when a company is not rated, we may use alternative rating agencies such as the Better Business Bureau and Trust Pilot.
  • Financial strength (10%): We use AM Best to determine a company's financial standing. In some cases when a company is not rated by AM Best, we may use an alternative measure such as Demotech.
  • The Zebra's Customer Satisfaction Survey (20%): The Zebra conducts an annual survey measuring customer satisfaction for many of the top insurance companies with the goal of ranking both the best auto insurance companies and best home insurance companies. Read more below.

For our auto insurance review, we analyzed more than 83 million insurance rates spanning every U.S. ZIP code using a sample user profile: a 30-year-old single male driver with a Honda Accord, good credit and full coverage at these levels:

  • $50,000 per person/$100,000 per incident for bodily injury liability
  • $50,000 per incident for property damage liability
  • $500 deductibles for collision and comprehensive coverage

For our home insurance review, rates are based on a sample user profile: a 45-year-old married homeowner living in a 2,500-square-foot single-story home built in 2011 with these coverage levels:

  • $200,000 for the dwelling
  • $20,000 for other structures
  • $100,000 for personal property
  • $100,000 for personal liability
  • $1,000 deductible

These sample premiums are dynamic and automatically refresh whenever the newest data is made available.

To generate pricing for particular rating factors, we adjusted this profile based on common pricing factors used by major car insurance companies. These factors include credit score, coverage level and others.

For The Zebra's Customer Satisfaction Survey, findings are based on an online quantitative survey of 4,134 current U.S. auto and home insurance customers, with Census-balanced sampling by age, gender and region. Categories with n=<20 responses are considered insufficient sample size and are not reported. This survey was developed by The Zebra and executed by independent research firm Maru/Blue in 2023.

Acuity insurance: Frequently asked questions

Acuity is a decent insurance company with strong financial stability, policy customization options, and a comprehensive digital experience. However, it's essential to note that its service is not available in all states, and customer service reviews are mixed. Consider your unique insurance needs and location when evaluating if Acuity is the right choice for you.

Acuity Insurance operates in every state except for AK, CA, CT, DC, FL, HI, LA, MD, MA, NJ, NY, NC, RI and SC.

Acuity has been in business for almost 100 years, opening its doors in 1925.

Acuity provides property and casualty insurance for both consumers and businesses.

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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.