Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Feb 24, 2022

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Just the Basics

  • Access Auto Insurance offers liability and full coverage insurance options
  • Access Auto Insurance does not allow you to bundle your home and car insurance policies 
  • Access Auto Insurance does allow drivers to make payments online

Access Auto Insurance may not go down in the history of car insurance as the greatest car insurance company, but it should not be overlooked while you shop for insurance coverage.

Access Auto has been in the insurance business for four decades. It doesn’t offer much in the way of bells and whistles, but if you live in one of the states where it provides coverage, an Access Auto insurance policy will keep you adequately protected while you’re out on the road.

To make the best insurance-buying decision for your needs, keep reading to discover more what an Access Auto insurance payment could look like for you and what types of coverages this company has to offer.

As you read about Access Auto Insurance, you can begin searching for car insurance. Enter your ZIP code to receive free insurance quotes today.

Who is Access Auto Insurance?

Founded in 1975, Access Auto sells car insurance policies in five states:

  • Arizona
  • Illinois
  • Indiana
  • Nevada
  • Texas

If you live in a state outside of Access Insurance’s coverage area, you can always shop online to find car insurance companies that provide coverage where you live. In addition, drivers who purchase an Access Auto car insurance policy can use their Access Auto account login to review their policies and make payments online.

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Is Access Auto Insurance highly rated?

Access Auto Insurance has a B+ rating from A.M. Best. This rating may suggest that Access Auto Insurance may not be as financially secure as other companies.

On the other hand, if you are looking for a company that can provide you with excellent customer service, you’ll be pleased to know Access Auto Insurance is a Better Business Bureau accredited company and has an A+ rating. Its customer rating on the BBB website received a maximum of five solid stars.

What coverages does Access Auto Insurance offer?

The coverage provided by an Access Auto Insurance policy is basic. The coverage doesn’t offer much in the way of customization but provides the legal insurance requirements. You can review the company’s coverages here:

  • Bodily injury liability
  • Property damage liability
  • Uninsured motorist
  • Collision coverage
  • Comprehensive coverage
  • Underinsured motorist
  • Roadside assistance
  • Rental reimbursement
  • SR-22 insurance

While Access Auto Insurance roadside assistance coverage is certainly a nice feature to have, there’s nothing demonstrably shocking about Access Auto’s available coverages. Suppose you’re a driver who wants to get the maximum amount of coverage or has just taken out a car loan. In that case, you won’t be able to access additional coverage options that could assist you, like custom equipment coverage or GAP insurance.

If you need to file a claim, you will need to call the American Access Casualty Company phone number. It appears that American Access Auto Insurance underwrites Access Auto’s insurance policies, but this relationship is not clearly stated on the Access Auto website, which could be confusing for some drivers.

Does Access Auto Insurance offer competitive rates?

Purchasing insurance through Access Auto may not be a wise choice for drivers on a budget. Your Access Auto Insurance payment could be, on average, $4,916 per year for full coverage insurance. This rate is steeper than what you would find with most other insurance companies, as you can see here:

Insurance CompaniesU.S. Annual Average Rates
American Family$1,282.72
Travelers$2,173.97
USAA$2,388.05
Farmers$2,549.46
Nationwide$2,908.82
GEICO$3,215.01
State Farm$3,260.00
Progressive$3,798.13
Allstate$4,887.95
Liberty Mutual$5,120.76
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Remember, no two drivers pay the same rate. Car insurance companies use an underwriting process to determine your rate. When shopping for quotes online, you’ll need to provide information about yourself and your car, which can include:

  • Your name
  • Your address
  • Your car’s make and model
  • Your car’s mileage
  • How much you drive in a year
  • Your driver’s license number
  • The year you got your license

Using statistics and running a check on your driving history, an insurance company determines how much risk you pose and then provides your unique rate. If you are curious about your insurance rate with Access Auto, you can use Access Auto’s online quote tool or call the Access Auto Insurance phone number to speak with an agent.

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How can drivers keep insurance rates low?

You should always review your quotes carefully to see which insurance companies can get you the most coverage at the lowest rate as you shop for insurance online. Thankfully, as you can see in the chart below, most major insurance companies offer discounts so you can reduce your rates:

Car Insurance Discounts by Company
Car Insurance DiscountsAllstate (%)American Family (%)Farmers (%)GEICO (%)Liberty Mutual (%)Nationwide (%)Progressive (%)State Farm (%)Travelers (%)USAA (%)
Adaptive Cruise ControlN/AN/AN/AN/A5xxN/AN/AN/A
Adaptive HeadlightsN/AN/AxN/A5xxN/AN/AN/A
Anti-lock Brakesxxx555x5xx
Anti-Theftxxx252025x15xx
Claim Freexxx26x10x152312
Continuous CoveragexxxxN/AN/AxN/A15N/A
Daytime Running Lightsxxx155xN/Axx
Defensive Driverxxxx105105103
Distant StudentxxxxN/A10xx7x
Driver's Edxxxx10N/A101583
Driving Device/AppxxN/Ax30402050305
Early SigningxxxxN/A8xN/A1012
Electronic Stability ControlxxxN/A5xxN/AN/AN/A
Emergency DeploymentN/AN/AN/A25N/AN/AN/AN/AN/AN/A
Engaged CoupleN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Family LegacyN/AxN/AxN/AN/AxN/AN/A10
Family PlanN/AxxN/AN/A25N/AN/AN/AN/A
Farm VehiclexN/AxxN/AN/AN/AN/AN/AN/A
Fast 5N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Federal EmployeeN/AN/Ax810N/AN/AN/AN/AN/A
Forward Collision WarningN/AN/AN/AN/A5xxN/AN/AN/A
Full PaymentN/Axxx$5N/AxN/A7.5N/A
Further EducationN/AN/AN/Ax1015N/AN/AxN/A
Garaging/StoringN/AN/AxN/AN/AN/AN/AN/Ax90
Good CreditxxN/AN/AN/AxxxN/AN/A
Good Studentxxx1522.510x2583
Green VehiclexN/A5N/A10N/AN/AN/A10N/A
HomeownerN/AN/Axxx5x35N/A
Lane Departure WarningN/AN/AN/AN/AxxxN/AN/AN/A
Life InsurancexN/AN/AN/AN/AxN/AN/AN/AN/A
Low Mileagexxxxxxx30xx
LoyaltyN/AxN/AxN/A5xN/AN/Ax
MarriedN/AN/AN/AN/AxxxxN/Ax
Membership/GroupN/AN/AN/Ax107N/AN/AxN/A
MilitaryxN/Ax154N/AN/AxN/Ax
Military GaragingN/AN/AN/AN/AN/AN/AN/AN/AN/A15
Multiple DriversN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Multiple Policies1029x102010121713x
Multiple Vehiclesxxx25102010208x
New AddressN/AN/AN/AN/A5N/AN/AN/AN/AN/A
New Customer/New PlanN/AN/AN/AN/AxN/AN/AN/AN/AN/A
New GraduateN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Newer VehiclexN/AxxN/Axx401012
Newly LicensedN/AN/AN/AN/A5N/AN/AN/AN/AN/A
NewlywedsN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Non-Smoker/Non-DrinkerN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Occasional OperatorN/AN/AN/AN/AN/AN/AN/AN/AN/Ax
OccupationxN/Axx1015N/AN/AxN/A
On-Time PaymentsxN/AN/AN/AN/AN/AN/AN/A15N/A
Online ShopperN/AN/AN/AN/AN/AN/A7N/AN/AN/A
Paperless DocumentsxxxN/AN/A5$50N/AN/AN/A
Paperless/Auto BillingxxxN/Ax$30x$233
Passive Restraintxxx40x20x40xx
Recent RetireesN/AN/AN/AN/A4N/AN/AN/AN/AN/A
RenterN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Roadside AssistanceN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Safe DriverN/AN/Ax15N/A3531152312
Seat Belt UseN/AN/AN/A15N/AN/AN/AN/AN/AN/A
Senior DriverxN/AxN/AN/AN/AN/AN/AN/Ax
Stable ResidenceN/AN/AN/AN/AN/AxxN/AN/AN/A
Students & AlumniN/AxN/Ax107N/AN/AN/AN/A
Switching ProviderN/AxxN/A10N/AxN/AN/AN/A
Utility VehiclexN/AxxN/AN/AN/AN/AN/AN/A
Vehicle Recoveryxxx153525x5xx
VIN EtchingN/AN/AxN/A5xxN/Axx
VolunteerN/AxN/AN/AN/AN/AN/AN/AN/AN/A
Young DriverN/AN/AN/AN/AxN/AxN/AN/A$75
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Practicing safe driving habits, like stopping at stop signs and not tail-gating, can help keep your rates low. The more pristine your driving history is, the lower your rates will become over time.

What You Need to Know About Access Auto Insurance

Access Auto Insurance has the coverage you need to drive and remain protected. However, you may want to consider working with an insurance company that can provide you with a home and car bundle discount if you own your own home. It is also important to remember that additional coverages like GAP insurance are not available through Access Auto.

Since Access Auto provides coverage in certain states, you may need to shop online to find an insurance company that can get you the coverage you need to protect yourself and your vehicle.

Now that you’ve read this thorough review about Access Auto Insurance, you can feel confident to start shopping for a car insurance policy. Enter your ZIP code to start comparing free quotes from insurance companies near you.