Acuity auto insurance review

With hundreds of positive reviews from happy customers, Wisconsin-based Acuity is a good choice for drivers in the Midwest, but the company doesn’t write auto policies in most coastal states.

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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, as well as an associate writer at The Dodo.

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Acuity’s strongest asset is its customer service — the insurance provider boasts that it answers 93% of phone calls in 16 seconds or less, and maintains 95% customer claims satisfaction. On Trustpilot, a third-party review aggregator, Acuity has a four-out-of-five star rating, with 74% of customers rating the company as “Excellent.”

In addition to all the standard car insurance coverage options you can expect from any major carrier, Acuity also offers coverage like full safety glass, which will pay for repairs to your windshield or windows with no deductible required, and optional “personal auto enhancements” coverage that covers things like lock replacement if you lose your keys, personal property replacement for personal items that are damaged in an accident, and airbag replacement if your airbags deploy outside of a collision.

One drawback to Acuity is its limited coverage area — Acuity auto insurance isn’t available in most coastal states or in the Southeastern U.S. But if you’re looking for an insurance company that’s somewhere between a smaller regional operation and a big national provider, Acuity is a good choice, at least for drivers who happen to live in one of the states where it offers auto insurance.


  • Good reviews and claims satisfaction ratings

  • “Road and Residence” package allows you to easily bundle home and auto insurance

  • Online resources like the Acuity mobile app, blog and videos

  • Easy-to-use website and online quote generator


  • Only available in select states

  • Doesn’t offer as wide a range of other types of insurance as some of the bigger insurance companies

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Acuity by the numbers

Founded: 1925

Market Share: 0.22%

A.M. Best rating: A+ (effective May 28, 2019)

Better Business Bureau rating: A+

Consumer Reports: N/A

J.D. Power Claims Satisfaction rating: N/A

State availability

Acuity auto insurance is available in 23 states. It is not available in Alabama, Alaska, Arkansas, California, Connecticut, Delaware, Florida, Georgia, Hawaii, Kentucky, Louisiana, Massachusetts, Maryland, Michigan, Mississippi, Nebraska, New Hampshire, New Jersey, New York, North Carolina, Oklahoma, Oregon, Rhode Island, South Carolina, Virginia, Washington, West Virginia or the District of Columbia.

Policy Details

When it comes to auto coverage, Acuity offers the coverage most drivers will need, as well as a few nonstandard options and add-ons. Their online quote process also makes it easy to customize your full coverage policy and set the limits and deductible that are best for you and your bank account.

Standard coverage options

  • Liability coverage. Liability coverage.

  • Personal injury protection. Covers the medical expenses or funeral costs if you or your family are injured while driving or as pedestrians. Also covers lost wages if you cannot work after an injury.

  • Uninsured/underinsured motorist coverage. Pays if you’re in an accident caused by a driver who doesn’t have insurance, or whose insurance can’t cover the extent of the damages.

  • Collision coverage. Covers damage to your own vehicle caused by a collision, no matter which driver was at fault.

  • Comprehensive coverage. Covers damage to your own vehicle that can happen when it’s not being driven, like damage caused by extreme weather, fire, vandalism, theft, fire, flood and falling objects.

Additional coverage and features

  • Vehicle replacement coverage. If your car is totaled, this will pay to replace it with a brand new one of the same, or similar model. If you have an older car, this coverage will pay out 25% above your car’s value.

  • Full safety glass. Pays to repair or replace your windshield or windows without you having to pay a deductible.

  • Personal auto enhancements. An optional endorsement that combines a range of extra coverages, including personal property replacement, lock replacement, airbag replacement and coverage for your travel expenses if you need food and lodging after an accident.

How much does Acuity cost?

Car insurance premiums are determined by a range of factors, including the type of car you drive, your driving history, where you live, your credit score, and even your age and gender. That makes it difficult to predict how much any given driver will pay for their policy.

But let’s take a look at a sample Acuity auto policy for a 30 year old single woman in Minnesota with one car: A 2016 Chevy Impala. This driver was quoted a premium of $227.50 a month, or $2,730 for the year for a full coverage policy that also included new car replacement and Acuity’s personal auto enhancement coverage.


Like its competitors, Acuity offers its customers a range of discounts to help save on auto insurance. Those include good student discounts, discounts for graduate students, discounts for taking an accident prevention course and discounts for insuring multiple cars on the same policy.

Unlike some other carriers, however, Acuity doesn’t make it easy to see all the available discounts on their website or in the quote process, so new customers should try to speak with an agent to make sure they’re getting all applicable discounts.

Company details

Application process

The Acuity website is straightforward and easy-to-use. The online quote generator asked us for basic information, like age, occupation, address and car make and model. It automatically applied discounts for having continuous insurance coverage and updated safety features in our vehicle. It generated a quote within minutes, and gave the option to tweak and customize coverage limits and details. However when we went back a few days later to retrieve our saved quote, the website couldn’t load it again, so we weren’t able to pick up where we left off.

Drivers can also apply for Acuity auto insurance over the phone.

Claims Process

While Acuity isn’t included in reviewer J.D. Power’s annual claims satisfaction study, it boasts high claims satisfaction among its customers. According to Acuity, 95% of its drivers are satisfied with their claim. Acuity also has over 700 reviews on Trustpilot, 87% of which rated the company “Great” or “Excellent.”

Acuity customers can file claims online, over the phone or through the Acuity mobile app, which also makes it easy to upload photos of damage along with your claim.

Other types of insurance offered

  • Motorcycle insurance. Coverage for your sweet bike.

  • Boat and yacht insurance. Coverage for your seafaring vessel.

  • Snowmobile insurance. Coverage for when you hit the snowy trails.

  • ATV insurance. Coverage for when you hit the not-so-snowy trails.

  • RV and camper insurance. Coverage for your vacation home on wheels.

  • Homeowners insurance. Insurance for your dwelling.

  • Renters insurance. Insurance for your rented home and everything inside of it.

  • Personal property insurance. Covers your personal items in case of damage or theft, no matter where your stuff is.

Digital tools

  • Easy to use online quote generator

  • Mobile app for easy online claim filing

  • Acuity Focus blog for insurance news and helpful tips

  • Online explainer videos to help Acuity customers understand their coverage

Contact info


Phone: (920) 458-9131

Headquarters: 2800 S Taylor Dr, Sheboygan, WI 53081

Policygenius’ editorial content is not written by an insurance agent. It’s intended for informational purposes and should not be considered legal or financial advice. The review on this page is only for the carrier’s car insurance products. Not all carriers are currently available through Policygenius. Speak to one of our licensed experts for more information on carrier availability.