Personal Lines - Payment Plan Options

Acuity offers a number of flexible ways to pay your insurance premiums. Take a look at the available options to find a plan that meets your needs.

Billing Details

A down payment is required for each insurance policy.
Choose to have payments automatically withdrawn from an account or choose a traditional payment plan where you’ll make payments after receiving a bill.
Check out our Billing FAQ’s for additional information.

Automatic Payment Options

Pay directly from your bank account or credit card (American Express, Discover, Mastercard, Visa) Set it up once and the rest of your payments are automatically scheduled. We offer several payment options ranging from 1-Pay to 12-Pay.

To set up automatic payments, complete the Personal Lines Automatic Payment Option Authorization form (S-623). For AR, GA, IA, & TX complete Personal Lines Automatic Payment Option Authorization form (S-623PL1-5).
An installment fee of $2 applies for each payment withdrawn from a checking or savings account.
An installment fee of $5 applies for each payment charged to a credit card (a $2 installment fee in Kansas).
No installment fee applies for 1-Pay.
It may take up to 3 business days for the money to be taken from your bank account or to be posted to your credit card.
Acuity will provide a payment schedule. (This does not apply for 1-Pay).

Traditional Payment Plans

Receive your bill in the mail or electronically and make payments online, by mail, or by phone. Payment options range from 1-Pay to 11-Pay.

An installment fee of $5 fee applies for each payment.
No installment fee on down payments for Georgia and Tennessee.

For All Payment Plans

$20 Reactivation fee will be applied to a policy that has terminated due to nonpayment of premium.
$25 ($20 in Colorado, Idaho, and Utah) fee applies when premium payment is returned by the bank due to non-sufficient funds (NSF).

Setup automatic payments

Have questions?

Call us

800.242.7666 ext 5511

Monday - Friday 7:00 a.m. - 6:00 p.m. CST

Email us

Send billing inquiry

FAQs

Have questions? We have answers.

What are the billing options for a personal lines insurance policy?

Automatic Payment Options (paid directly from your bank account or credit card)

Description	Term Length	Minimum Premium Required	Down Payment % Required	Future Payments
1-Pay	6 &12	None	100%
6-Pay	6	None	16.7%	5 equal monthly installments
2-Pay	12	None	50%	1 installment due in 5 months
4-Pay	12	None	25%	3 equal quarterly installments
5-Pay	12	None	20%	4 equal monthly installments
12-Pay	12	None	8.3%	11 equal monthly installments

Direct Bill Payment Options (paid by check or money order)

Description	Term Length	Minimum Premium Required	Down Payment % Required	Future Payments
1-Pay	6 & 12	None	100&
2-Pay	12	500	50%	1 installment due in 5 months
4-Pay	12	500	25%	25% in 80 days, 25% in 170 days, and 25% in 260 days
5-Pay	12	None	20%	4 equal installments at 30-day intervals
11-Pay	12	1,000	15%	10 equal installments at 30-day intervals

Direct Bill Payment Options include a $5 installment fee per installment (no installment fee on down payments for Georgia and Tennessee).
Applications must be submitted with a down payment.
A $20 reactivation fee will be applied to a policy that has lapsed due to nonpayment of premium.
A $25 ($20 in Colorado, Idaho, and Utah) fee will be assessed when any premium payment is returned by the bank due to non-sufficient funds (NSF).
New business future installments assume policy was issued on or before effective date. If policy is issued after the effective date, the number of installments is determined by the number of months remaining in the term.
Down payment may be taken from the agency’s account, insured’s bank account, or insured’s credit card and will be withdrawn/charged after a minimum of 48 hours.
Automatic Payment Option
- Automatic payments withdrawn from checking or savings include a $2 installment fee.
- Automatic payments charged to a credit card include a $5 installment fee ($2 installment fee for Kansas).
- No installment if the 1-Pay option is chosen.
- Withdrawals are processed on the effective date of the policy for new business and renewals. Subsequent withdrawals are processed on the anniversary of the effective date as indicated. Choosing withdrawal date is not an option.
- To enroll, complete the Personal Lines Automatic Payment Option Authorization (S-623PL) form. Insured can sign-up online, in the Billing Portal, at acuity.com.
11-Pay and 12-Pay payment plans are not available in AR, GA, IA, or TX.

Can I pay online or over the phone?

Yes! We provide multiple ways to pay your bill.

You can pay online by logging into your account or use your Policy Number, ZIP code, and Agency Code to make a payment without logging in.
You can pay over the phone by calling billing at 800.242.7666 ext. 5511. Representatives are available Monday through Friday, 7 a.m. to 6 p.m. (CST).

Can I extend my cancellation date?

You can discuss payment options by calling billing at 800.242.7666 ext. 5511.

How much do I owe?

If you have an online account with us, you can view your current balance on the Billing Portal. If you have not registered for an account online, select Pay My Bill and enter your Policy Number, Zip Code, and Agency Code. The next screen will show the amount currently due, if any.