American Access Car Insurance Review (2024)

In this American Access car insurance review, you’ll read about financial and customer evaluations, learn how to request a quote from American Access Casualty Company, and determine if this company can offer you cheap car insurance.

After you learn about the American Access car insurance company, remember to enter your ZIP code into our free rate comparison tool above to receive quotes from reputable companies in your region.

What is American Access Casualty Company?

A subsidiary of the Kemper insurance company brand, the American Access Casualty Company sells non-standard cheap car insurance for high-risk drivers.

In particular, this company specializes in writing coverage for people with no license, international licenses, bad driving records, and those in need of SR-22 insurance.

However, you can only buy American Access car insurance in Arizona, Illinois, Indiana, Nevada, or Texas.

The company does not plan to expand to additional states at any point in the future.

Prospective customers can purchase all basic car insurance coverages from American Access, including liability, collision, and comprehensive coverage. You can also purchase personal injury protection (PIP) insurance and uninsured or underinsured motorist coverage in select states.

The website mentions rental car reimbursement and roadside assistance packages as optional policy add-ons, but availability is limited by state.

Unfortunately, there is no American Access mobile app for consumers to use. However, you can create an American Access login on the website to access the customer portal. There, you can view your ID cards and make any necessary policy changes. You can also submit American Access insurance payments online.

Alternatively, American Access payments can also be made over the phone by calling 630-570-7181.

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How do you request American Access car insurance quotes?

To get American Access car insurance quotes, you have to go through an independent agent. This company does not offer online quotes. Independent agents work for the customer, not the company, so the agent may send you quotes for other companies besides just American Access.

While you can’t request quotes on the website, you submit a small form with your home address for a list of available agents near you.

Once you receive the available agent contact information, reach out at your convenience. The agent will then assist you through the rest of the car insurance application.

What are the average American Access car insurance rates?

American Access car insurance rates are not made publicly available. If you do request coverage, compare your car insurance quotes to the average cost of car insurance where you live.

The table below displays the average annual car insurance expenditures in the five states where American Access operates, according to the Insurance Information Institute (III).

Average Annual Car Insurance Expenditures by State

Keep in mind that the price of your car insurance depends on many factors.

What is car insurance based on? Variables like your age, ZIP code, driving record, and more.

If you’re a high-risk driver who struggles to secure traditional coverage, expect your rates to be higher than what a safer driver with a clean driving record might pay.

To ensure you secure your cheapest rates without sacrificing your coverage needs, compare quotes online from both standard and non-standard car insurance companies.

How do you file car insurance claims with American Access?

You can only file American Access car insurance claims over the phone. Call the company directly or contact the independent agent who assisted you with your quote.

The American Access claims phone number is 630-645-7755.

If needed, the website provides you with a list of information to collect for a smoother claims process.

Details include the name, address, and contact information for both parties involved in the accident, as well as photos of the scene of the incident.

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Does American Access offer any car insurance discounts?

American Access does not mention any available car insurance discounts on the company website. However, this does not necessarily mean that there are no saving opportunities.

Most non-standard insurance companies do not provide as many rate reductions to customers as traditional car insurance companies.

Contact one of the local agents near you for more information about any potential discounts American Access may offer you.

How are the American Access ratings and reviews?

Analyzing the American Access financial scores and customer evaluations allows you to determine if the company is reliable before buying a policy.

Unfortunately, this company has a history of receiving imperfect rankings from some leading credit rating agencies.

In 2015, A.M. Best published a press release reducing the American Access score from a BB+ to a BB, as the issuer credit rating remained negative.

Most recently, A.M. Best gave it a B+ score.

Customers also negatively evaluate this company. According to the National Association of Insurance Commissioners (NAIC), it has a complaint index score of 4.79. The median is always 1.00, and you want to see lower scores. So a 4.79 means American Access received almost five times as many customer complaints as the median.

However, American Access is Better Business Bureau (BBB) accredited and has an A+ rating. This means the BBB believes American Access interacts positively with its consumers.

Overall, it’s common for insurance companies to receive negative reviews online. However, keep this information in mind while shopping around for your best car insurance policy.

Does American Access sell other insurance products?

American Access only sells non-standard car insurance policies. It does not offer any other insurance products at this time. Kemper, the parent company, does sell homeowners, life, health, and property insurance with availability limited by state.

Read more: What You Should Know About Kemper Auto Insurance

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What is the history of American Access?

American Access Casualty Company was founded in 1999 in Chicago, Illinois. It originally sold car insurance across the state. The company eventually expanded into four other locations and focused on non-standard policies.

In late 2020 and early 2021, Kemper insurance company announced that it acquired American Access in a $370 million transaction.

Today, after writing over $80 million in the car insurance business, the company has a team of bilingual employees ready to help all drivers secure car insurance coverage.

American Access: The Bottom Line

If you live in a state where American Access operates and are a higher-risk driver, consider looking into this company.

It’s always worth comparing quotes from multiple traditional and other non-standard insurance companies before deciding where you’ll buy your insurance.

Not only are the financial ratings for American Access somewhat unsteady, but this company also does not provide you with a mobile app or an online claims center.

Safe drivers and people with clean driving records can most likely secure cheaper coverage with more options from some of the other best car insurance companies.

Now that you’ve learned more about affordable American Access car insurance, enter your ZIP code into our free quote tool below to compare rates from the top companies available in your region.

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