Why Did My Acceptance Insurance Go Up?

If your Acceptance car insurance went up, the records we could check show a run of rate increases by First Acceptance Insurance Company, Inc., the insurer long tied to the Acceptance stores: in Texas it filed average increases of 19.3% in January 2023 and 18.9% in October 2023 ¹, and its parent company says recent premium rate increases drove much of its premium growth in 2024 ². The most recent Texas filings point both ways: a 12.0% decrease for one product in October 2025 and a 9.7% increase for another in April 2026 ¹.

Each of those percentages is an average for the company's existing policyholders on that product, not a forecast for any one bill. If your own renewal rose, the cause may be the specific product or insurer on your policy, or a change in your own driving record, vehicle, address or coverage. This page lays out what the records show. We are not affiliated with the insurers named.

Acceptance Insurance is the name on the storefronts. The website's footer names the business as Acceptance Insurance Agency of TN, Inc. ⁶. That agency used to belong to the same company as the insurer, but no longer does.

First Acceptance Corporation, a Nashville holding company, says it sold its retail agency subsidiary, Acceptance Insurance Agency of Tennessee, Inc., effective December 1, 2023 ². At the time, the agency sold mainly non-standard auto insurance through employee-agents in 288 leased retail locations in 13 states ². The company's announcement named the buyer as Alliant Insurance Services, Inc. and said Confie, an Alliant portfolio company, would act as an independent agent for the insurer's products ⁵. Confie's own release says Acceptance "will continue to operate under its current brand" ⁴.

The insurance companies stayed with First Acceptance Corporation. Its annual report says it issues policies through First Acceptance Insurance Company, Inc. and that company's two subsidiaries, First Acceptance Insurance Company of Georgia, Inc. and First Acceptance Insurance Company of Tennessee, Inc. ². A June 30, 2026 statutory statement shows First Acceptance Insurance Company, Inc. as a Texas-domiciled insurer owned through FAC Holdings, Inc. by First Acceptance Corporation, with the Georgia and Tennessee companies beneath it ³.

Two details matter for your bill:

• The agency can sell other insurers' policies. Before the sale, the annual report says, policies sold by the agency were underwritten by the First Acceptance companies "and through third-party carriers" ². An Acceptance store policy is not automatically a First Acceptance policy.
• First Acceptance now sells only through independent agents. The company says it writes non-standard auto insurance in 15 states through independent agents, and that two agent groups produced 44% and 40% of its 2025 premiums earned ². Its largest agent works mainly from retail locations, including the ones it bought from the company in December 2023 ².

The insurer named on your declarations page is the one whose rates apply to you.

Texas does not set auto rates. The Texas Department of Insurance (TDI) says it "doesn't set insurance rates or premiums," and that companies can use new rates the same day they send them to TDI or choose a later effective date ⁸.

TDI publishes each filing with a percent change, which it describes as the estimated impact on existing policyholders, adding that the impact can be higher or lower for any one policyholder ⁷. A pending filing is still under review; a closed filing means TDI is done with its review, and a closed type of "Reviewed" means TDI reviewed the filing and closed it ⁷. Every filing listed below is closed with the closed type "Reviewed" in TDI's data ¹. That is TDI's wording, not an approval.

These are the personal auto filings by First Acceptance Insurance Company, Inc. in TDI's data with a nonzero overall change, newest first ¹:

The two 2023 filings were on the same product and came nine months apart, so a Texas policy on that product that renewed after both effective dates may reflect both. The 2025 decrease and the 2026 increase are on differently named products, "Texas FirstChoice" and "Texas Scored Private Passenger Auto," so they should not be netted against each other ¹. TDI's data also lists filings with a 0.0% change, received December 18, 2024 and July 31, 2025 ¹; TDI says a 0% change means only rules or something else that does not affect the premium changed, or that the combined effect on all policyholders is zero ⁷.

The Texas data gives percentages but not reasons. First Acceptance's own annual report gives its explanation for the company as a whole, across all its states.

• Rate increases drove 2024 growth. Before reinsurance, the company's direct and assumed premiums earned rose 35.7% to $539.1 million in 2024, which it says was "driven significantly by the impact of recent premium rate increases" and by more policies in force ².
• Claim costs climbed again in 2025. Excluding changes in estimates for earlier years, its loss ratio rose to 72.0% in 2025 from 70.9% in 2024, which the company attributes to higher severity on bodily injury and physical damage claims ². It says it believes that severity was largely due to tariff-related price increases on imported vehicles and auto parts ².
• More rate changes followed. The company says it "implemented targeted premium rate changes" and that "approved rate actions taken during 2025" are expected to earn in through 2026 ². In 2025 its premiums earned before reinsurance rose 2.1% to $550.7 million, which it attributes to more policies in force and premium rate increases ².

The report does not break these figures out by state, so they explain the company's direction, not any one state's filing.

A filed decrease on one product and a higher renewal can both be true. Common reasons:

• A different insurer or product. Your policy may be with a First Acceptance company other than the Texas filer, or with another insurer the agency represents ². In Texas, the company files separate products ¹.
• Your record changed. A new accident, claim or ticket can raise the price at renewal.
• Your vehicle or drivers changed. Adding a car or a driver can raise the bill.
• You moved. Rates vary by area, so a new ZIP code can change the price.
• Coverage, fees or discounts changed. Higher limits, added physical damage coverage or a lost discount all raise the premium.
• Timing. A rate change reaches each policy only at its next renewal on or after the effective date.

1. Find the insurer's name on your declarations page. It tells you whether First Acceptance Insurance Company, Inc., one of its affiliates or another insurer issued your policy.
2. Compare the renewal with last term line by line. Our guide to reading a renewal notice shows where to look.
3. Ask the Acceptance office what changed: drivers, vehicles, coverages, discounts or the product.
4. Look up the filing. TDI's rate filing search lists each company's filings ⁷. Our explainer on what a rate filing is covers how to read one. See the Texas, Georgia and Florida pages, or the states hub, for how rates work where you live.
5. Compare quotes from several insurers. Prices for the same driver can differ widely. You can compare quotes here.

Sponsored link. QuotePitStop is a lead-generation service and is paid by insurance partners when you request quotes.

For reasons that apply at every insurer, see why car insurance goes up and why car insurance goes up with no accident. Drivers who need a state filing can read what an SR-22 is.

• ¹ Official record: TDI's public rate filing data on data.texas.gov for First Acceptance Insurance Company, Inc. (received dates, products, percent changes, effective dates, status and closed type), checked October 13, 2026.
• ² Reported: First Acceptance Corporation's 2025 annual report, for the agency sale, the 288 locations in 13 states, the 15 states and agent shares, the insurance company structure, premiums earned, loss ratios and the company's explanation of its rate changes, checked October 13, 2026.
• ³ Official record: the June 30, 2026 statutory quarterly statement of First Acceptance Insurance Company, Inc., for its domicile and its place in the holding company system, checked October 13, 2026.
• ⁴ Reported: Confie's December 4, 2023 release on acquiring the Acceptance retail division and keeping the brand, checked October 13, 2026.
• ⁵ Reported: First Acceptance Corporation's December 4, 2023 announcement naming Alliant Insurance Services as the buyer and Confie as an independent agent, checked October 13, 2026.
• ⁶ Reported: the Acceptance Insurance website footer naming Acceptance Insurance Agency of TN, Inc., checked October 13, 2026.
• ⁷ Official record: TDI's rate filing page defining percent change, pending and closed status, the "Reviewed" closed type and a 0% change, checked October 13, 2026.
• ⁸ Official record: TDI's page on how insurance costs are calculated and when filed rates can be used, checked October 13, 2026.