Access Auto Insurance Review: What to Know (2024)

Access Auto Insurance is an Illinois-based company that sells affordable auto insurance policies in Arizona and Indiana.

This company underwrites traditional policies and covers high-risk drivers, unlicensed customers, people with international licenses, and folks needing SR-22 insurance. You can also purchase non-owner auto insurance policies.

In this review of Access Auto Insurance company, we will discuss deals, offerings, and rates, learn about the history of this company, compare financial and customer ratings, and read about the claims process to determine if this company is a good fit for your auto insurance needs.

What is Access Auto Insurance?

Access Auto Insurance is a subsidiary of Newins Insurance Agency Holdings, LLC., a captive insurance agency affiliated with the American Access Casualty Company, a specialty auto insurance carrier.

All are headquartered in Downers Grove, Illinois.

While the parent company is available in Arizona, Illinois, Indiana, Nevada, and Texas, Access Auto Insurance only underwrites policies in Arizona and Indiana.

At least 13 physical Access insurance company offices are located across both states, eight in Arizona and five in Indiana. According to the website, more than 20 trained and licensed agents are available for customer assistance, many of whom are bilingual.

Access Auto Insurance sells traditional policies and offers non-standard and non-owner auto insurance. The company covers all types of licenses, including international drivers and unlicensed customers.

If you require SR-22 insurance, you can also secure this form through Access Auto Insurance.

For auto insurance coverage options, drivers can choose basic policies that meet state minimum auto insurance requirements or customize full coverage policies offering broader protection. Access Auto Insurance provides liability, collision, and comprehensive insurance.

Medical payments (MedPay) coverage and uninsured or underinsured motorist protection are also available.

For optional policy add-ons, Access Auto Insurance has basic roadside assistance and rental car reimbursement coverage.

But the most popular policies meet the minimum Indiana auto insurance or Arizona auto insurance legally required limits.

There is no Access Auto Insurance mobile app or user portal on the website.

However, you can make payments online by inputting your policy number and the driver’s date of birth or by calling the company directly.

Once coverage is purchased, you’ll receive ID cards immediately. If secured over the phone, the ID card is emailed to you. If purchased in person, the proof of insurance is handed directly to you. If your policy is finalized through the website, you’ll have the option to download and save the ID card directly to your device.

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How do you request Access Auto Insurance quotes?

You can request Access Auto Insurance quotes online, over the phone, or in person. (For more information, read our “Can You Get Cheaper Car Insurance Over the Phone?“).

The phone number for Access auto quotes is 888-449-0171.

The online quote tool requires you to provide basic information about yourself and your vehicle. You can purchase a policy and secure coverage online in just a few minutes.

What are the average Access Auto Insurance rates?

Access Auto Insurance does not publicize rates.

But if you request an Access Auto Insurance quote, consider comparing it to the average cost of auto insurance in the state where you live.

The table below shows the average annual auto insurance expenditures in the states where Access Auto Insurance operates, plus the national average cost, according to the Insurance Information Institute (III).

Average Annual Auto Insurance Expenditures by State

Read more: Arizona Auto Insurance (The Only Guide You’ll Ever Need)

Access Auto Insurance basis rates primarily on your ZIP code, age, coverage needs, and driving record. Expect full coverage auto insurance policies to cost significantly more than basic policies that meet your state’s minimum auto insurance requirements.

Some sources suggest that Access Auto Insurance rates are higher than average, especially when compared to larger companies like State Farm, USAA, or Geico.

Ultimately, the best way to secure your cheapest rates without compromising your coverage needs is to compare car insurance companies online.

How do you file Access Auto Insurance claims?

To file a claim with Access Auto Insurance, you must contact the American Access Casualty Company by calling 630-645-7755 or connect with your local agent as soon as possible.

If your vehicle needs any repairs, a web link is provided so you can track the progress online.

Claims are handled through American Access Casualty Company because Access Auto Insurance is a subsidiary of the captive agency affiliated with this company, Newins Insurance Agency Holdings, LLC.

Access Auto Insurance encourages you to direct any questions or concerns you may have to your local insurance agent at any time. However, available office hours are not provided.

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Does Access Auto Insurance provide any discounts?

Access Auto Insurance does not provide auto insurance discounts on the company website. While this is somewhat unusual, it does not necessarily mean the company does not offer any savings opportunities to drivers.

If you seek out a quote from Access Auto Insurance, ask the local agent you connect with about the rate reductions that may be available to you.

Typical auto insurance discounts to look out for include safe driver, multi-car, good student, military, and group or membership discounts. You may also earn anti-theft or safety discounts based on the technology installed on your vehicle.

How are the Access Auto Insurance ratings and reviews?

Unfortunately, neither Access Auto Insurance nor its parent company, American Access Casualty Company, has been ranked by any leading credit rating agencies.

However, in 2021, Kemper Insurance acquired American Access Casualty Company and its affiliates. Kemper Insurance currently has an A (Excellent) A.M. Best score.

But in 2015, A.M. Best published a press release lowering the issuer credit rating (ICR) from “bb+” to “bb” and affirmed the financial strength rating (FSR) of B (Fair) for the American Access Casualty Company. The outlook for the FSR was revised from stable to negative, and the ICR outlook also remained negative.

The current and historical evaluations of the parent companies are relevant to Access Auto Insurance customers because these companies financially back Access Auto Insurance.

Access Auto Insurance does not have a complaint index score from the National Association of Insurance Commissioners (NAIC) for customer reviews. But the NAIC gave the American Access Casualty Company a complaint index ratio of 4.79, which is significantly higher than the median of 1.00.

A 4.79 implies that American Access Casualty Company received almost five times more customer complaints than the median.

Otherwise, Access Auto Insurance is accredited by the Better Business Bureau (BBB) and has an A+ rating, meaning the BBB believes this company interacts well with its consumers. It also has a perfect 5-star rating from an average of seven customer reviews.

The website also features Trustpilot reviews for the company. Currently, out of just over 600 reviews, Access Auto Insurance has 4.7 out of 5 stars.

But the negative reviews that do exist mostly mention issues with the claims process.

While you shop around and compare rates from other auto insurance companies, remember to consider these Access Auto Insurance customer experiences and financial outlooks.

What is the history of Access Auto Insurance?

The Access Auto Insurance company’s history is associated with two other companies we’ve mentioned already, Newins Insurance Agency Holdings, LLC., and American Access Casualty Company.

American Access Casualty Company is a specialty auto insurance carrier that sells non-standard policies and was chartered in 1999. Also under the same ownership is Newins Insurance Agency Holdings, LLC., a captive insurance agency incorporated in 1975 that owns Illinois Vehicle Auto Insurance, A Abana Auto Insurance, and Access Auto Insurance.

So, while Access Auto Insurance has 13 offices in Arizona and Indiana, its parent companies have 84 retail locations across five different states.

Access Auto Insurance expanded its family tree even further in 2021. Kemper Corporation acquired the American Access Casualty Company and all affiliates in a $370 million transaction.

Today, Access Auto Insurance sells standard and non-standard insurance policies in Arizona and Indiana, while its parent and sister companies also offer services in Illinois, Nevada, and Texas.

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Access Auto Insurance: The Bottom Line

Overall, Access Auto Insurance is a strong choice for higher-risk drivers in Indiana and Arizona who struggle to find traditional auto insurance coverage.

However, this company does not offer a mobile app or an online user portal, which may concern tech-savvy customers. It also has higher than average auto insurance rates, even for basic policies. So, most drivers could secure cheaper costs from other companies.

Despite receiving primarily positive reviews from consumers online, many drivers appear unsatisfied with the claims process through Access Auto Insurance.

Whether you’re a high-risk customer or a safe driver with a perfect record, consider shopping around and comparing quotes and coverage options from some of the other top auto insurance companies besides Access Auto Insurance to secure your best auto insurance policy.

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