Excepsure Car Insurance Review (Ratings and Expert Insights)
Excepsure offers non-standard car insurance in Georgia, Alabama, and Texas.
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Written byAlani Asis
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3 años de experiencia en redacción de contenidos
Artículos en destacadas publicaciones financieras
Alani es una escritora independiente especializada en finanzas personales. Su objetivo es hacer que los temas complejos sean más accesibles a través de contenidos divertidos y digestibles.
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Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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Reviewed byJohn Leach
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John LeachLicensed P&C Agent, Senior Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John leads Insurify’s copy desk, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
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Table of contents
Table of contents
Excepsure General Insurance Services is a small, newer insurance company founded in 2021. It doesn’t rank among the largest U.S. insurance companies by market share.[1]
The company specializes in non-standard car insurance for drivers who struggle to find coverage elsewhere. Excepsure serves drivers in Georgia, Alabama, and Texas. It’s also seeking to expand into South Carolina.
If you’re considering a policy from Excepsure, here’s what you should know about how the company stacks up when it comes to cost, claims, and customer satisfaction.
Quick Facts
Excepsure works with independent agents and insurance companies to underwrite, price, and issue policies.
Excepsure was formed in 2021 and lacks many industry rankings found with other companies.
Excepsure can be a great choice for high-risk drivers who have trouble getting coverage from other insurance companies.
Our take on Excepsure car insurance
Excepsure isn’t your typical insurance company like Progressive, State Farm, or GEICO. It’s a managing general agency (MGA).
Think of an MGA as a middleman between independent agents and insurance companies. Insurers create and fund insurance products and give authority to MGAs to underwrite, price, issue policies, and sometimes handle claims on the insurer’s behalf.[2]
MGAs often focus on niche markets. In Excepsure’s case, that means non-standard car insurance, which helps insure high-risk drivers.
High-risk drivers may include people with:
Multiple accidents or violations
Driving under the influence (DUI) convictions or license suspensions
Lapses in prior coverage
International licensed drivers (which Exepsure explicitly states they help insure)
While Excepsure doesn’t have a strong online presence or many public reviews or ratings, it’s a legitimate company. For drivers in Georgia, Alabama, and Texas who struggle to find coverage through traditional insurers, Excepsure may be one of the few available options.
How real customers feel about Excepsure car insurance
Excepsure doesn’t have many reviews on the Better Business Bureau (BBB) website. One reviewer mentioned long wait times for claim responses and trouble reaching adjusters.[3]
Since feedback is limited, it’s worth revisiting the BBB — as well as sites like Google Reviews, Reddit, or your state’s department of insurance — to get a clearer picture of the company’s reputation.
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Excepsure industry ratings
Industry ratings give you a quick snapshot of how reliable and consumer-friendly an insurance company is. They can help you gauge how Excepsure performs in the areas of financial strength, customer satisfaction, complaint volume, and customer reviews compared to other insurers.
Unfortunately, Excepsure doesn’t yet have ratings from most major agencies.
Rating | Score | What This Means |
|---|---|---|
| AM Best | NR | Not rated |
| J.D. Power | NR | Not rated |
| NAIC complaint index | NR | Not rated |
| BBB customer reviews | 1/5 | Poor customer experience (with limited information) |
Excepsure car insurance discounts
Car insurance discounts can make a huge difference when comparing costs between different insurers.
Excepsure offers these savings opportunities:
Multi-car: Save when you insure more than one car.
Proof of prior coverage: Earn a discount for having continuous insurance coverage.
Renewal: Get rewarded for staying loyal to Excepsure.
Paid in full: Save when you pay your full insurance premium up front.
Excepsure also offers a stability insurance discount. The specifics of this discount aren’t fully clear online, so it’s best to call your local Excepsure agent to confirm which discounts you qualify for.
Excepsure car insurance coverage options
At first glance, Excepsure’s options appear to be more limited than those of other insurance companies. For example, many major insurers offer add-ons like roadside assistance or rental car reimbursement. This is likely because Excepsure focuses on non-standard car insurance, which typically helps higher-risk drivers get insured.
Excepsure offers the basic car insurance coverages, including:
Bodily injury liability
Bodily injury liability covers the injured party’s medical bills if you cause an accident
Property damage liability
Property damage liability helps pay for damage to the affected party’s property after an at-fault crash
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage helps pay your (or your passenger’s) medical bills or vehicle repairs if someone without enough insurance hits you.
Collision coverage
Collision insurance covers repairs to your car if you hit another car or object, regardless of fault.
Excepsure doesn’t advertise comprehensive insurance coverage on its website, so your best bet is to call directly for a quote and confirm what’s available in your state.
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How to file a claim with Excepsure
You can file a car insurance claim with Excepsure in a few different ways:
Online: Log in to your account on the Excepsure website
Phone: 1 (866) 901-4496
Email: [email protected]
Have your policy number ready, along with accident details, photos or videos of the damage, and contact information for everyone involved. A claims adjuster may schedule an appointment with you to inspect the damage and determine your settlement amount.
You’ll then receive a settlement agreement with the claim payout you qualify for. Once you approve and sign it, you’ll either receive a payment for repairs or pay your deductible at an approved repair shop before Excepsure covers the rest.
Excepsure insurance FAQs
Choosing a car insurance company is a big financial decision, so you want to pick the right one. If you’re still unsure whether Excepsure is right for you, this additional information may help.
Is Excepsure legitimate?
Yes. Excepsure is a legitimate company operating in Atlanta. Since Excepsure has only been in business since 2021, there’s little information about it online. So, it’s hard to determine whether the company provides a great user experience.
Is Excepsure car insurance worth it?
If you’re looking for an insurer that offers non-traditional auto insurance policies, and you live in Alabama or Georgia, Excepsure may be worth it. But since the company has limited online reviews, it’s hard to know what kind of service you’ll be getting.
Who owns Excepsure insurance?
Chip Craze, who previously served as president of personal auto at Arrowhead General Insurance Agency, founded and owns Excepsure. The company’s website states that Craze has more than 30 years of experience in the insurance industry.
Who should get Excepsure insurance?
Excepsure is a good option for Alabama, Georgia, or Texas residents looking for non-traditional auto insurance. Make sure to compare your options among several insurers so you can find the best rate and policy for you.
What is the best car insurance company?
The best car insurance company depends on your driving record, where you live, and what type of coverage you need. It’s always a good idea to shop for insurance companies based on your coverage needs and compare quotes to find the most affordable insurance rate.
Where does Excepsure sell insurance?
Excepsure currently offers insurance policies in Georgia, Alabama, and Texas, with plans to expand to South Carolina soon.
How long has Excepsure been in business?
Excepsure has been in business since August 2021. Since the company is still relatively new, there’s limited information about its financial strength, customer experience, and claims satisfaction.
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Sources
- NAIC. "PROPERTY AND CASUALTY INSURANCE INDUSTRY 2024 TOP 25 GROUPS AND COMPANIES BY COUNTRYWIDE PREMIUM States, U.S. Territories, Canada and Aggregate Other Alien 35-Total All Lines."
- IRMI. "managing general agent (MGA)."
- Better Business Bureau. "Excepsure General Insurance Services, LLC."
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Alani Asis
Alani Asis is a personal finance freelance writer with nearly three years of experience in content creation. She has landed bylines with leading publications and brands like Insider, Fortune, LendingTree, and more. Alani aims to make personal finance approachable through fun, relatable, and digestible content.
Alani has been a contributor at Insurify since January 2023.
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
Featured in
John LeachLicensed P&C Agent, Senior Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John leads Insurify’s copy desk, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
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