Acuity offers useful ways to customize a basic car insurance policy, plus reliable customer service at an affordable price.
Andrew HurstAndrew HurstSenior Editor & Licensed Auto Insurance ExpertAndrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.
Anna SwartzAnna SwartzSenior Managing Editor & Auto Insurance ExpertAnna Swartz is a senior managing editor and auto insurance expert at Policygenius, where she oversees our car insurance coverage. Previously, she was a senior staff writer at Mic.com, as well as an associate writer at The Dodo.
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.
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).
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 ($$$$$).
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.
Offers gap coverage, personal belongings coverage, and more
Receives very few complaints
Slightly cheaper-than-average rates
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:
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.
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.
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.
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.
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.
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.
Average annual rate for Acuity
Required state minimum
Full coverage ($50,000/$100,000)
Full coverage ($100,000/$300,000)
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:
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 and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.
Anna Swartz is a senior managing editor and auto insurance expert at Policygenius, where she oversees our car insurance coverage. Previously, she was a senior staff writer at Mic.com, as well as an associate writer at The Dodo.