First Acceptance Insurance
First Acceptance Insurance is a private personal auto insurance carrier founded in 1974 and headquartered in Nashville, Tennessee, underwriting and servicing auto policies for individual consumers across 14 U.S. states through independent agents, branded agents, and direct online and phone channels.
- Company typePrivate
- Founded1974
- HeadquartersNashville, United States
- Headcount501–1,000
- GTM typeB2C
- OfferingServices
What First Acceptance Insurance does
First Acceptance Insurance Company, Inc. (FAIC) is a private personal auto insurance carrier founded in 1974 and headquartered in Nashville, Tennessee. The company underwrites and services auto insurance policies for individual consumers across 14 U.S. states, primarily in the Southeast, Midwest, and Central regions. FAIC operates as a subsidiary of First Acceptance Corporation, a holding company, and is supported by a multi-entity corporate structure that includes state-specific licensed carriers (First Acceptance Insurance Company of Tennessee, Inc. and First Acceptance Insurance Company of Georgia, Inc.) and two services entities (First Acceptance Services, Inc. and First Acceptance Insurance Services, Inc.). The company has no public ticker, no disclosed venture capital or private equity backing, and has operated privately for more than 50 years.
The company's core product is a single-line personal auto insurance policy, distributed through three channels: independent insurance agents, branded Acceptance Insurance agents, and direct online/phone sales. Its technology stack centers on a smartphone-based claims application that allows customers to photograph vehicle damage and submit claims digitally, with a 24-hour follow-up commitment from a dedicated claim specialist. The carrier also operates an online quote and policy management portal, and holds a Hertz Concierge partnership that provides rental car access during covered repairs. Pricing is quote-based and not publicly disclosed, with billing on a monthly cadence; customer testimonials emphasize competitive pricing and ease of service.
The primary customer segment is individual consumers seeking affordable personal auto insurance. Customer testimonials describe price-sensitivity, ease of online payment, and proactive account management as core purchase drivers. The company is actively operating as of 2026 based on website copyright and contact details, with no recent M&A, funding, leadership, or restructuring events disclosed in the source data.
First Acceptance Insurance firmographics
Firmographics- Name
- First Acceptance Insurance
- Legal name
- First Acceptance Insurance Company, Inc.
- Website
- https://firstacceptance.com
- Company type
- Private
- Founded year
- 1974
- Operating status
- Operating
- Headcount range
- 501–1,000 employees
- Short description
- First Acceptance Insurance is a private personal auto insurance carrier founded in 1974 and headquartered in Nashville, Tennessee, underwriting and servicing auto policies for individual consumers across 14 U.S. states through independent agents, branded agents, and direct online and phone channels.
- Ownership category
- akta.pro rank
First Acceptance Insurance industry classification
Industry- Product category
- Personal Auto Insurance
- NAICS
- Direct Property and Casualty Insurance Carriers (524126)
- SIC
- Insurance Carriers, Nec (6399)
- akta.pro primary industry
- Standard Personal Auto Insurance (Liability, Collision & Comprehensive) (FSAJAAAA)
- akta.pro secondary industry
- Personal Auto Insurance (FSAJAMAA)
Keywords
Where First Acceptance Insurance is headquartered
LocationHeadquarters
- HQ city
- Nashville
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
First Acceptance Insurance business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Infrastructure, Technology or R&D, Supply Chain, Others
Revenue model
- Auto Insurance Premiums: First Acceptance Insurance generates revenue through underwriting and servicing auto insurance policies sold via independent agents and Acceptance Insurance agents across 14 states.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Auto Insurance - Customized individual policies |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels1 record
First Acceptance Insurance product offering
Product offeringCore offering
First Acceptance Insurance Company (FAIC) underwrites and services personal auto insurance policies for individual vehicle owners across 14 U.S. states. Policies are sold through independent agents and branded Acceptance Insurance agents, supported by online quoting tools, mobile claims submission with photo documentation, and dedicated claim specialists. The product is a single-line personal auto insurance offering with no commercial or non-auto lines indicated.
Product overview
First Acceptance Insurance operates as a single-product insurance carrier focused exclusively on auto insurance. The company provides a unified product offering comprising the core Auto Insurance policy, an online quote and policy management system, and a smartphone-based claims submission process. All products are serviced by FAIC and distributed through Acceptance Insurance agents and Independent Agents across fourteen states.
Differentiator
Problem solved
Functional benefit
Products and services
- Auto Insurance
Quantifiable outcome
- Claims representative contacts within 24 hours of claim submission
- +1 more outcomes
Companies that use First Acceptance Insurance
Customer profileNamed customers3 records
Segments1 record
Ideal customer profiles1 record
First Acceptance Insurance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
First Acceptance Insurance partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- HertzcoreHertz Concierge partnership provides First Acceptance Insurance customers with access to rental cars while their vehicles are being repaired following a covered claim. This partnership enhances the claims customer experience by coordinating transportation alternatives during the repair process.
Scale indicators2 records
Recent moves5 records
Expansion highlights5 records
First Acceptance Insurance competitors and assessment
Company assessmentDirect peers
- Dairyland Insurance: Non-standard auto and motorcycle insurance carrier targeting high-risk drivers. Comparable in product focus, customer profile, and multi-state agency distribution.
- Infinity Insurance: Non-standard auto insurance carrier operating across multiple US states. Compares in product mix, customer segment, and agent-driven distribution model.
- Kemper Auto Insurance: Personal lines insurer with significant non-standard auto presence. Comparable multi-state carrier with similar customer profile and agent distribution.
- Elephant Insurance: Auto insurance carrier offering standard and non-standard policies through direct and agent channels. Comparable multi-state personal auto underwriter with digital capabilities.
- Bristol West Insurance: Personal auto insurance carrier, part of National General Group. Operates in the non-standard segment with similar agent and direct distribution across multiple states.
- Acceptance Insurance: The branded agent distribution channel under the same First Acceptance Corporation parent. Sells FAIC underwritten auto insurance using the same non-standard / value-segment positioning.
- Direct Auto Insurance: Non-standard auto insurance carrier focused on drivers with imperfect records or unique circumstances. Closely comparable business model targeting the same value-oriented personal auto segment.
- The General Insurance: Non-standard auto insurance carrier specializing in high-risk drivers with minimal coverage requirements. Directly comparable in target customer, value pricing, and direct/agent hybrid distribution.
Broad incumbents
- National General Insurance: Larger national P&C insurer (owned by Allstate) with significant non-standard auto presence. Represents the broader incumbent competitive set against which mid-sized regional carriers compete.
- Progressive: National auto insurance leader with substantial non-standard auto exposure. Sets competitive pricing benchmarks and digital claims standards that FAIC must match to retain customers.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
First Acceptance Insurance social profiles
Digital presenceFirst Acceptance Insurance financial estimates
Financial estimateRevenue estimate
Valuation estimate
First Acceptance Insurance leadership team
Management profileNumber of profiles
First Acceptance Insurance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
First Acceptance Insurance M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about First Acceptance Insurance
What does First Acceptance Insurance do?
First Acceptance Insurance Company (FAIC) underwrites and services personal auto insurance policies for individual vehicle owners across 14 U.S. states. Policies are sold through independent agents and branded Acceptance Insurance agents, supported by online quoting tools, mobile claims submission with photo documentation, and dedicated claim specialists. The product is a single-line personal auto insurance offering with no commercial or non-auto lines indicated.
Is First Acceptance Insurance a public or private company?
First Acceptance Insurance is a private company. It is classified as unknown and is currently operating.
When was First Acceptance Insurance founded?
First Acceptance Insurance was founded in 1974. It employs 501 to 1,000 people.
Where is First Acceptance Insurance based?
First Acceptance Insurance is headquartered in Nashville, United States, in the North America region.
How does First Acceptance Insurance make money?
One revenue line is on record: auto Insurance Premiums.
Who are First Acceptance Insurance's main competitors?
Direct peers on record are Dairyland Insurance, Infinity Insurance, Kemper Auto Insurance, Elephant Insurance, Bristol West Insurance, Acceptance Insurance, Direct Auto Insurance and The General Insurance. Broad incumbents are National General Insurance and Progressive.
Does First Acceptance Insurance have an API?
No public API is recorded for First Acceptance Insurance.
What industry is First Acceptance Insurance in?
First Acceptance Insurance's product category is Personal Auto Insurance. Its primary akta.pro industry code is FSAJAAAA, Standard Personal Auto Insurance (Liability, Collision & Comprehensive), with a secondary code of FSAJAMAA, Personal Auto Insurance. Its NAICS code is 524126 and its SIC code is 6399.