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: Apr 13, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance related. We update our site regularly, and all content is reviewed by car insurance experts.

Company Details
Address: 221 Butterfield Rd, Suite 200
City: Downers Grove
State: Illinois
ZIP Code: 60515
Phone Number: 603-645-7750
Website: https://www.aains.com
Year Founded: 1999
AM Best Rating: B+
Company Rating 0 (0 reviews)

A subsidiary of the Kemper insurance company brand, American Access insurance sells non-standard auto policies to higher-risk individuals.

So people with no license, international licenses, or poor driving records can qualify for affordable American Access car insurance rates.

In this American Access car insurance review, we compare customer and financial ratings, learn the factors that affect the price of car insurance, and determine if this is the right company for you.

After learning about American Access claims and customer reviews, remember to enter your ZIP code into our free quote tool above to receive rates from the top companies in your region.

What is American Access insurance?

American Accesscar insurance company is a subsidiary of the Kemper insurance company brand. It specializes in non-standard policies for high-risk drivers and operates in five states.

So, keep in mind that the only American Access locations available for coverage are in Arizona, Illinois, Indiana, Nevada, and Texas.

But, the company does offer a team of bilingual employees available for the consumer’s convenience.

American Access underwrites policies for people with bad driving records, no licenses, international licenses, and drivers needing SR-22 insurance.

Plus, you can secure the basic car insurance coverages from this company, like liability, collision, and comprehensive insurance coverage. And in select states, uninsured or underinsured motorist protection and personal injury protection (PIP) insurance coverage are also available.

The website mentions rental car reimbursement and roadside assistance packages as optional policy add-ons. But product availability varies by state.

Unfortunately, American Access does not provide a mobile app for drivers. But, you can create an American Access login on the company website to access the customer portal.

In the customer portal, you can view your ID cards, make necessary policy changes, and submit your American Access payments.

Alternatively, you may submit an American Access insurance payment over the phone by calling 630-570-7181.

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How do you request American Access car insurance quotes?

To request American Access car insurance quotes, you must go through an independent insurance agent. This company does not provide quote tools on their website.

However, you can request a list of agents near you on the American Access website by filling out a short form with information about your street address.

Once you receive their contact information, you can choose to speak directly with one of the representatives, who then helps you throughout the rest of the quote application.

Independent agents work for the consumer and are not contractually bound to one insurance company.

So, an agent may provide you with quotes from multiple companies besides just American Access.

What are the average American Access insurance rates?

American Access insurance rates are not publicly available.

However, if you get an American Access insurance quote, consider comparing it to the average cost of coverage in the state where you live.

The table below shows 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
StatesAverage Annual Car Insurance Expenditures
Arizona$1,046.40
Illinois$916.49
Indiana$767.72
Nevada$1,260.43
Texas$1,152.25
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Keep in mind that many variables impact your car insurance rates, like your age, ZIP code, driving record, and even the make and model of the vehicle you drive.

High-risk drivers also typically pay more for car insurance than safe drivers with no at-fault accidents or traffic citations on their records.

In order to secure your best possible car insurance policy at an affordable rate, compare quotes from the best car insurance companies, including standard and non-standard insurers.

How do you file car insurance claims with American Access?

You can file American Access car insurance claims in two different ways, by calling the company directly or speaking with your local insurance agent.

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

If needed, the website provides consumers with a checklist of information to help with the efficiency of the claims process.

Details include the name, address, and phone numbers for each party involved in the accident, and photos of the damaged vehicles.

At this time, you cannot submit any American Access claims online or through the customer portal.

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Does American Access offer any car insurance discounts?

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

But, typically, non-standard insurance companies do not offer as many discounts as traditional car insurance companies.

For details about any possible American Access rate reductions available to you, you must speak with one of the local agents.

How are the American Access ratings and reviews?

Before you buy American Access car insurance, it’s essential to analyze the available customer ratings and financial reviews.

This helps you determine how reliable and efficient a company is before committing to an actual policy.

Unfortunately, American Access only earned a B+ score from A.M. Best, one of the leading credit rating agencies.

In fact, American Access has a history of receiving less than perfect financial evaluations.

In 2015, A.M. Best published a press release reducing the score for American Access from BB+ to BB due to the issuer’s credit rating remaining negative.

However, the company maintains that it’s in good financial shape on the website.

Customer reviews for American Access are also imperfect. It earned a 4.79 complaint index score, according to the National Association of Insurance Commissioners (NAIC).

The median is always set to 1.00, and lower scores are ideal. So a 4.79 means American Access received almost five times as many customer complaints as the median.

But American Access is accredited by the Better Business Bureau (BBB) and currently holds an A+ rating.

This means the BBB believes the company interacts positively with its consumers.

Ultimately, it’s common for insurance companies to receive primarily negative reviews online. However, keep these evaluations in mind while shopping around for your best coverage.

Does American Access sell other insurance products?

American Access only sells non-standard car insurance policies and does not offer any other insurance products to consumers.

So, despite using the name American Access Casualty Company, there is no American Access casualty insurance.

However, the parent company, Kemper, and its other subsidiaries, sell life, health, property, and homeowners insurance in various states.

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What is the history of American Access?

In 1999, the American Access Casualty Company started selling car insurance in the Chicago metropolitan area.

However, the company expanded throughout the rest of Illinois and introduced non-standard policies in four additional states, including Arizona, Indiana, Nevada, and Texas.

Finally, in late 2020 and early 2021, American Access was acquired by Kemper insurance company in a $370 million deal.

Today, the company has a team of bilingual employees available to help any driver secure affordable car insurance.

American Access Insurance: The Bottom Line

If you’re a high-risk driver struggling to secure coverage, consider looking into American Access. But keep in mind that the financial outlook for this company is somewhat unknown.

Plus, this company only operates in five states, making it regionally limited.

Also, because there’s no mobile app available and no lists of discounts, you’ll likely only secure a very basic car insurance policy from this company.

Ultimately, it’s still worth comparing an American Access quote to other non-standard car insurance companies operational near you.

Otherwise, people who practice safe driving and qualify for traditional coverage will likely earn better rates with more coverage options from some of the other best car insurance companies.

Now that you’re an ​​American Access Casualty Company expert, enter your ZIP code into our free rate tool below to compare quotes from the best companies active near you.