Excepsure Auto Insurance Review for 2025 (See Prices & Policy Options Here!)

In this Excepsure auto insurance review, we discuss its flexible non-standard auto program, designed for high-risk drivers who need affordable coverage.

Excepsure General Insurance Services offers discounts for safe driving and low-mileage savings. Policyholders benefit from 24/7 claims support and an easy online quote system.

Excepsure Auto Insurance Rating

Rating Criteria
Overall Score	2.2
Business Reviews	3.0
Claim Processing	2.0
Company Reputation	3.0
Coverage Availability	1.4
Coverage Value	2.2
Customer Satisfaction	2.5
Digital Experience	3.0
Discounts Available	2.0
Insurance Cost	2.3
Plan Personalization	2.0
Policy Options	1.5
Savings Potential	2.2

However, Excepsure is only available in four states: Alabama, Georgia, South Carolina, and Texas. If you need high-risk auto insurance in these four states, scroll down to compare Excepsure rates and policies against competitors. Get free local auto insurance quotes by entering your ZIP code now.

Excepsure Auto Insurance Rates Compared

The table below compares car insurance rates from Excepsure against its largest competitors. Excepsure gives cheaper rates, around $95 per month for minimum coverage and $180 monthly for full coverage.

Excepsure Auto Insurance Monthly Rates vs. Top Competitors by Coverage Level

Insurance Company	Minimum Coverage	Full Coverage
	$115	$220
	$95	$180
	$112	$215
	$100	$190
	$108	$205
	$103	$195
	$110	$210
	$105	$200
	$98	$185
	$90	$175

USAA provides the lowest rates overall, while Allstate has the highest premiums. But your rates will be higher with these companies if you have accidents or speeding tickets. Excepsure monthly rates remain $95 monthly even after one speeding ticket.

A DUI brings about the most elevated premiums, which can increase total coverage rates to $160 each month. But that is still cheaper than standard full coverage from companies like Geico and Liberty Mutual.

Drivers with clean records pay less, but high-risk drivers can find affordable coverage with Excepsure. If you need high-risk coverage, explore our guide to DWI vs. DUI differences to see how charges vary by state.

Excepsure Auto Insurance Rates by Driver

Policyholders looking for savings should learn how average auto insurance rates by age fluctuate and affect your overall costs.

Excepsure Auto Insurance Monthly Rates by Age, Gender, & Coverage Level

Rates for Excepsure auto insurance vary based on age, gender, and coverage level. Younger drivers, particularly males under 25, face the highest high-risk insurance premiums, with 16-year-olds paying $620 per month for full coverage.

Rates decrease significantly for older drivers, with 60-year-old females paying as low as $140 a month for full coverage. With Excepsure, you can lock in better rates as you get older, even if you have accidents and DUIs on your record. Compare quotes regularly to maximize savings, especially if you’re a younger driver facing higher costs.

Excepsure Auto Insurance Discounts and Savings

Excepsure Insurance offers several chances for discounts, enabling drivers to decrease their premiums greatly. The best savings are for those good drivers, with a 40% reduction if they keep a spotless driving history after their original high-risk conviction.

Excepsure Auto Insurance Discounts by Savings Potential

Other primary savings originate from its Excepsure My Drive usage-based program for 30%, bundling policies for 25%, and a hefty 25% discount for installing anti-theft devices.

Bundling and anti-theft devices are excellent discounts for high-risk drivers because they aren’t impacted by your driving record or habits. Explore the best auto insurance discounts to lower your premium costs today.

Excepsure Customer Service &  Business Ratings

Excepsure car insurance receives mixed ratings across industry benchmarks, reflecting some areas in need of improvement. A.M. Best awards an A rating, proving strong financial stability and reliability.

Excepsure Auto Insurance Business Ratings & Consumer Reviews

Agency
	Score: 820 / 1,000 Average Satisfaction
	Score: B Moderate Practices
	Score: 70/100 Mixed Customer Satisfaction
	Score: 2.5 Complaints Above Average
	Score: A Excellent Financial Strength

Overall, customer claims satisfaction is high, with an above-average 820 J.D. Power rating, but it still receives more complaints than other regional providers.

Many consumer complaints stem from the fact that Excepsure is not as established as other companies and is unreliable in more remote cities in its service areas. But with strong financial backing and plans for expansion, Excepsure car insurance continues to grow. It could be a good option if you’re having trouble finding coverage with standard companies due to your driving record.

Read More: Best Auto Insurance Companies For High-Risk Drivers

Pros and Cons of Excepsure Insurance For High-Risk Drivers

Auto insurance from Excepsure is an economical choice for high-risk drivers who can’t qualify for policies at other companies. Perks of choosing this company include:

• Cheap High-Risk rates: Competitive rates for drivers with high-risk records average $95 monthly.
• Variety of Policies: Multiple coverage options for customized protection.
• Plenty of Discounts: Excepsure offers more discounts than similar regional providers its size.

Starting at $75 per month for older drivers, people can access flexible choices, discounts, and claims support anytime day or night. Its A.M. Best rating displays good financial steadiness, and it offers cheap usage-based insurance options to help drivers save money.

Unfortunately, our Excepsure auto insurance review found a few shortcomings that drivers should be aware of before buying a policy:

• Fewer Local Agents: Fewer local agents in remote cities, which leads to mixed customer service reviews.
• Limited Availability: It only sells policies in Alabama, Georgia, Texas, and South Carolina, which limits drivers outside of its service area.

If you don’t live in these four states and need cheap high-risk car insurance, enter your ZIP code to start comparing free quotes today.