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Access Car Insurance Review

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Access Auto Insurance is an insurance company located in Illinois that primarily distributes auto insurance in Arizona and Indiana. Learn everything you need to know about Access Insurance from our reviews and ratings and decide whether you should consider them when shopping for auto insurance.

Pros and Cons

Provides insurance that isn't typical An agency fee is charged
Liability insurance with low rates Coverage is limited to Arizona and Indiana
Online quotations and payments  

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Access Auto Insurance Features

The following coverage choices are available through Access Auto Insurance:

Type of Coverage What it Means
Full Coverage Insurance Typically includes state-minimum liability coverage as well as collision and comprehensive coverage to safeguard your car in the case of an accident.
Liability Coverage Almost every state in the United States requires drivers to have at least state-minimum bodily injury (BI) and property damage (PD) liability insurance. Arizona requires $15,000 in bodily injury coverage per person, $30,000 in total BI coverage per accident, and $10,000 in property damage coverage per accident.

The state minimum coverage in Indiana is $25,000 per wounded person, $50,000 for bodily injury per accident, and $10,000 for property damage per accident.
Medical Payments If you are in an accident, medical payment is an optional plan that would pay for your injuries up to a certain amount. If an uninsured driver causes the collision, uninsured motorist coverage will pay your medical expenses and property damage repairs up to a certain level. If the other party caused the accident and didn't have enough insurance coverage to cover the costs, underinsured motorist coverage will pay for your injuries or car repairs.
Roadside Assistance Access Auto Insurance’s roadside assistance coverage will pay up to $100 per incident and a maximum of two events per policy term.
Rental Car Insurance Access Auto Insurance’s Rental Reimbursement policy will pay $30 per day for a maximum of 30 days for a rental car.
SR-22 If you have a DUI or moving offense on your record and are required by the state to carry this certificate for a specific amount of time, SR-22 Access auto insurance can assist you with your SR-22 filing.

Access Insurance Car Insurance Rates

Access Auto Insurance offers reasonable prices for basic, state-minimum liability coverage. According to the online quote we received for our sample data on the website, the state-minimum liability coverage in Indiana from Access Auto Insurance will be around $492 for 12 months for a male driver between the ages of 35 and 40. You should additionally budget for a $35 additional agency fee in your ultimate policy price.

While you're comparing rates, check out some of the best car insurance companies on the market today to see which ones have the greatest customer service, claim processing, cost, coverages, and financial stability. Click on any of the banners on this article to check what providers are available in your region and get matched with a quote.

To determine how much an insurance policy from Access Auto Insurance will cost you, we recommend requesting a quote.

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Discounts offered by Access Insurance

Access Auto Insurance does not give any information about insurance discounts available to its customers on its website, which is unusual for an insurance company. Many consumers rely on multi-car or anti-theft discounts to lower their insurance prices. When you speak with an agent, make sure to ask for a quote.

Customer Feedback

Since 2018, Access Auto Insurance has been accredited by the Better Business Bureau and has received an A+ rating. The BBB provides Access Insurance a 5.0 out of 5.0 rating since all of its reviews are positive.

The claims process was also addressed in many Access Insurance reviews. If you suffer an accident and have an Access Auto Insurance policy, you can contact your Insurance agent or the Access Auto Insurance hotline to file a claim. If you get your car repaired at a shop in Access Auto Insurance's approved shop network, you may track the status of your repair online.

Access Auto Insurance provides both options if you want to pay your bills online or set up automatic payments to ensure that you never miss a payment. However, it does not have a smartphone app, which may appear to be a drawback to tech-savvy customers.

Additionally, Access Auto Insurance does not have an online service to assist clients in finding preferred repair businesses in their area. To find out where your nearest preferred repair shop is, speak with your insurance agent or an Access Auto Insurance insurance agent. Summary

Suppose you want to acquire a free, no-obligation quote from Access Auto Insurance. In that case, you can do it online, over the phone, or in person at one of the nine physical locations in Arizona or four in Indiana. Access Auto Insurance has an online tool that will help you locate a location near you.

Access Auto Insurance promises instant coverage. You will be able to download your insurance ID card immediately to your smartphone if you purchase a policy online. If you purchase insurance over the phone, your insurance ID will be sent to you through email. If you purchase your insurance through an Access Auto Insurance location, the representative will hand you the card.

Suppose you're a high-risk driver in Arizona or Indiana who's having trouble finding affordable car insurance elsewhere due to your non-standard status. In that case, you might want to receive a quotation from Access Auto Insurance. If you prefer to interact with an insurance agent rather than buying your coverage online and don't mind paying an additional agency fee, this business could be a suitable fit.

Contact Details

Type of Coverage Contact
Home Office 3 Ravinia Drive
Atlanta, GA
Office Number 877-353-9838

A Brief History of Access Auto Insurance

Access Auto Insurance was founded in 1975 and distributes car insurance in two states in the United States: Arizona and Indiana. Individuals who have their driver's license from any U.S. state, a temporary license, a suspended license, foreign drivers with licenses from other nations, and high-risk drivers are all covered by the agency.

The headquarters of Access Auto Insurance is in Downers Grove, Illinois.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with

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