American Access Car Insurance Review

American Access Casualty Company offers auto insurance coverage in Arizona, Illinois, Indiana, and Texas. The company provides policies to new U.S. citizens or high-risk individuals who require nonstandard auto insurance coverage.

UPDATED: Jul 20, 2022Fact Checked

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Written by Sara Routhier
Director of Outreach Sara Routhier

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent Cynthia Lanctot

UPDATED: Jul 20, 2022

Advertiser Disclosure

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A Concise Overview

  • American Access Casualty Company offers nonstandard auto insurance in Arizona, Illinois, Indiana, and Texas
  • American Access is known for providing liability policies and SR-22 coverage 
  • Drivers with an international license can apply for auto insurance coverage with American Access

Finding the right car insurance can be difficult. And finding an auto insurance policy if you are new to the United States can be even more challenging.

American Access Casualty Company offers auto insurance coverage in Arizona, Illinois, Indiana, and Texas. The company is known for providing policies to new U.S. citizens or people who need nonstandard auto insurance coverage. As a company that directs its efforts and products toward the Hispanic population, American Access has a lot to offer.

What does American Access offer?

American Access auto insurance offers several different coverage types to its clients. These coverages include the following:

With American Access car insurance, clients can purchase a policy that meets their state’s minimum liability requirements or choose to carry additional coverage for peace of mind. 

The table below shows each state’s required amount of liability coverage.

Minimum Liability Auto Insurance Coverage Requirements by State
StatesInsurance Coverage Required Minimum Liability Limits
AlabamaBodily injury and property damage liability25/50/25
AlaskaBodily injury and property damage liability50/100/25
ArizonaBodily injury and property damage liability15/30/10
ArkansasBodily injury and property damage liability, Personal injury protection (PIP)25/50/25
CaliforniaBodily injury and property damage liability15/30/5
ColoradoBodily injury and property damage liability25/50/15
ConnecticutBodily injury and property damage liability, uninsured motorist, underinsured motorist25/50/20
DelawareBodily injury and property damage liability, Personal injury protection (PIP)25/50/10
Washington, D.C.Bodily injury and property damage liability, uninsured motorist, underinsured motorist25/50/10
FloridaBodily injury and property damage liability, Personal injury protection (PIP)10/20/10
GeorgiaBodily injury and property damage liability25/50/25
HawaiiBodily injury and property damage liability, Personal injury protection (PIP)20/40/10
IdahoBodily injury and property damage liability25/50/15
IllinoisBodily injury and property damage liability, uninsured motorist, underinsured motorist25/50/20
IndianaBodily injury and property damage liability25/50/25
IowaBodily injury and property damage liability20/40/15
KansasBodily injury and property damage liability, Personal injury protection (PIP)25/50/25
KentuckyBodily injury and property damage liability, Personal injury protection (PIP), uninsured motorist, underinsured motorist25/50/25
LouisianaBodily injury and property damage liability15/30/25
MaineBodily injury and property damage liability, uninsured motorist, underinsured motorist, medical payments (MedPay)50/100/25
MarylandBodily injury and property damage liability, Personal injury protection (PIP), uninsured motorist, underinsured motorist30/60/15
MassachusettsBodily injury and property damage liability, Personal injury protection (PIP)20/40/5
MichiganBodily injury and property damage liability, Personal injury protection (PIP)20/40/10
MinnesotaBodily injury and property damage liability, Personal injury protection (PIP), uninsured motorist, underinsured motorist30/60/10
MississippiBodily injury and property damage liability25/50/25
MissouriBodily injury and property damage liability, uninsured motorist25/50/25
MontanaBodily injury and property damage liability25/50/20
NebraskaBodily injury and property damage liability, uninsured motorist, underinsured motorist25/50/25
NevadaBodily injury and property damage liability25/50/20
New HampshireFinancial responsibility only25/50/25
New JerseyBodily injury and property damage liability, Personal injury protection (PIP), uninsured motorist, underinsured motorist15/30/5
New MexicoBodily injury and property damage liability,25/50/10
New YorkBodily injury and property damage liability, Personal injury protection (PIP), uninsured motorist, underinsured motorist25/50/10
North CarolinaBodily injury and property damage liability, uninsured motorist, underinsured motorist30/60/25
North DakotaBodily injury and property damage liability, Personal injury protection (PIP), uninsured motorist, underinsured motorist25/50/25
OhioBodily injury and property damage liability25/50/25
OklahomaBodily injury and property damage liability25/50/25
OregonBodily injury and property damage liability, Personal injury protection (PIP), uninsured motorist, underinsured motorist25/50/20
PennsylvaniaBodily injury and property damage liability, Personal injury protection (PIP)15/30/5
Rhode IslandBodily injury and property damage liability, Personal injury protection (PIP) 25/50/25
South CarolinaBodily injury and property damage liability, uninsured motorist, underinsured motorist25/50/25
South DakotaBodily injury and property damage liability, uninsured motorist, underinsured motorist25/50/25
TennesseeBodily injury and property damage liability25/50/15
TexasBodily injury and property damage liability, Personal injury protection (PIP)30/60/25
UtahBodily injury and property damage liability, Personal injury protection (PIP)25/65/15
VermontBodily injury and property damage liability, uninsured motorist, underinsured motorist25/50/10
VirginiaBodily injury and property damage liability, uninsured motorist, underinsured motorist25/50/20
WashingtonBodily injury and property damage liability25/50/10
West VirginiaBodily injury and property damage liability, uninsured motorist, underinsured motorist25/50/25
WisconsinBodily injury and property damage liability, uninsured motorist, medical payments (MedPay)25/50/10
WyomingBodily injury and property damage liability25/50/20
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While American Access only provides auto insurance coverage in four states in the U.S., it’s important to note that each state carries different requirements for coverage. For example, most states require both bodily injury and property damage liability, but some also require coverage like MedPay, PIP, and uninsured/underinsured motorists.

Before purchasing an auto insurance policy, ensure you’re aware of your state’s requirements.

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Who needs American Access insurance?

While anyone can purchase American Access insurance, the company caters to high-risk individuals who require nonstandard auto insurance coverage. Among other things, American Access offers SR-22 insurance coverage to many of its policyholders.

SR-22 coverage through an auto insurance provider is required if you have committed certain moving violations, such as the following:

  • Driving under the influence of drugs or alcohol
  • Driving without auto insurance
  • Committing several traffic violations in a short period

If you know you need SR-22 coverage, American Access could be a good option for you. Additionally, American Access offers coverage to individuals with international licenses, which allows people who have just moved to the States to purchase auto insurance to drive safely and legally.

American Access prides itself on its multicultural approach to auto insurance coverage, and the company offers communication, insurance services, and information in English and Spanish. 

How much is American Access car insurance?

American Access does not publicly list its rates online, but rates for policyholders will vary based on several different factors, including the following:

  • Age
  • Gender
  • Marital status
  • Car make and model
  • Credit score
  • Driving record
  • Coverage level

The table below shows the average cost of auto insurance in each state, depending on your coverage type.

Average Annual Auto Insurance Rates by State and Coverage Type
StatesAverage Annual Liability Coverage RatesAverage Annual Collision Coverage RatesAverage Annual Comprehensive Coverage RatesAverage Annual Full Coverage Coverage Rates
North Dakota$282.55$252.21$112.74$741.11
South Dakota$289.04$251.30$110.12$1,206.46
Iowa$293.34$251.46$230.65$819.14
Wyoming$323.38$270.48$222.86$816.71
Maine$333.92$331.72$146.77$1,077.97
Idaho$337.17$284.92$117.98$833.44
Vermont$340.98$278.38$118.31$737.67
Kansas$342.33$255.33$130.15$904.39
Nebraska$349.07$293.78$116.79$1,057.63
North Carolina$357.59$227.44$227.64$737.63
Wisconsin$359.84$209.93$126.34$696.11
Indiana$372.44$207.10$171.58$672.01
Alabama$372.57$299.10$146.28$817.95
Ohio$376.16$298.21$201.56$941.34
Arkansas$381.14$304.87$183.36$869.37
Montana$387.77$223.50$206.24$778.81
New Hampshire$393.24$365.23$123.18$1,353.96
Tennessee$397.73$290.39$135.62$823.74
Missouri$399.41$254.90$199.87$842.54
Virginia$413.12$264.70$129.89$807.71
Illinois$430.54$237.19$115.02$724.65
Mississippi$437.38$259.65$166.34$825.40
Minnesota$439.58$302.96$194.74$935.08
Oklahoma$441.57$212.47$89.66$855.57
Hawaii$458.49$209$110.78$656.95
New Mexico$462.21$358.45$156.66$1,300.09
California$462.95$364.56$99.29$926.79
Utah$471.26$254.41$106.57$832.24
Colorado$477.10$263.36$158.34$898.79
Arizona$488.59$259.31$184.20$932.10
Georgia$490.64$297.75$100.09$856.33
Pennsylvania$495.02$377.06$122.17$1,219.29
South Carolina$497.50$200.10$228.59$717.73
Texas$498.44$340.51$186.70$1,025.64
West Virginia$501.44$319.10$195.04$1,015.57
Kentucky$518.91$391.03$208.59$1,326.78
Alaska$547.34$360.18$141.08$1,048.60
Oregon$553.43$307.31$132.01$934.34
Washington$568.92$250.13$104.11$923.16
Massachusetts$587.75$383.21$147.02$1,252.27
Maryland$599.48$358.68$128.92$1,075.35
District of Columbia$628.09$449.27$230.25$1,307.62
Connecticut$633.95$348.70$126.02$1,108.67
Nevada$647.07$281.70$103.03$777.98
Rhode Island$720.06$247.62$165.38$910.51
Michigan$722.04$214.02$173.04$826.64
Louisiana$727.15$249$96.66$679.56
Delaware$776.50$296.60$113.23$1,186.33
New York$784.98$264.58$123$745.17
Florida$845.05$320.45$153.61$964.70
New Jersey$865.55$267.48$166.89$896.58
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Rates for auto insurance can be much more expensive if you add collision and comprehensive coverage to your liability policy. But most American Access policyholders stick to a liability-only policy to help keep rates down.

Since American Access is a nonstandard insurer, it’s safe to assume the company’s rates are equal to or a bit higher than the state’s average for liability coverage. Still, you’ll never know exactly how much you’ll pay for coverage with American Access until you compare quotes with other companies.

Does American Access have good reviews?

American Access Casualty Company reviews are relatively positive. The company has a B+ (Good) financial strength rating with A.M. Best and an A+ rating with the Better Business Bureau (BBB). 

Most American Access Insurance reviews focus on the company’s claims process, and many policyholders state that American Access claims are not handled smoothly. The BBB website shows 156 closed complaints in the past three years and 79 closed complaints in the past 12 months. 

If you are interested in purchasing a policy with American Access, you may want to read some customer reviews online before doing so. 

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American Access Auto Insurance: The Bottom Line

American Access offers nonstandard car insurance in Arizona, Illinois, Indiana, and Texas and directs its efforts and products primarily toward the Hispanic population. American Access coverages include liability, collision, comprehensive, and more, though individual American Access insurance payments vary from one policyholder to the next.

Before you purchase a policy with American Access, compare insurance quotes with other providers to see which company can best meet your coverage needs while providing you with affordable monthly or annual premiums.

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