American Access Auto Insurance Review: Should you buy in 2023?
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.
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Cynthia Lanctot
Licensed Agent
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.
Licensed Agent
UPDATED: Jun 12, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance 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 auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 12, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance 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.
On This Page
- 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:
- Bodily injury liability
- Property damage liability
- Medical payments (MedPay)
- Personal injury protection (PIP)
- Uninsured motorist
- Underinsured motorist
- Comprehensive coverage
- Collision coverage
- Rental reimbursement
- Roadside assistance
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.
States Insurance Coverage Required Minimum Liability Limits
Alabama Bodily injury and property damage liability 25/50/25
Alaska Bodily injury and property damage liability 50/100/25
Arizona Bodily injury and property damage liability 15/30/10
Arkansas Bodily injury and property damage liability, Personal injury protection (PIP) 25/50/25
California Bodily injury and property damage liability 15/30/5
Colorado Bodily injury and property damage liability 25/50/15
Connecticut Bodily injury and property damage liability, uninsured motorist, underinsured motorist 25/50/20
Delaware Bodily injury and property damage liability, Personal injury protection (PIP) 25/50/10
Washington, D.C. Bodily injury and property damage liability, uninsured motorist, underinsured motorist 25/50/10
Florida Bodily injury and property damage liability, Personal injury protection (PIP) 10/20/10
Georgia Bodily injury and property damage liability 25/50/25
Hawaii Bodily injury and property damage liability, Personal injury protection (PIP) 20/40/10
Idaho Bodily injury and property damage liability 25/50/15
Illinois Bodily injury and property damage liability, uninsured motorist, underinsured motorist 25/50/20
Indiana Bodily injury and property damage liability 25/50/25
Iowa Bodily injury and property damage liability 20/40/15
Kansas Bodily injury and property damage liability, Personal injury protection (PIP) 25/50/25
Kentucky Bodily injury and property damage liability, Personal injury protection (PIP), uninsured motorist, underinsured motorist 25/50/25
Louisiana Bodily injury and property damage liability 15/30/25
Maine Bodily injury and property damage liability, uninsured motorist, underinsured motorist, medical payments (MedPay) 50/100/25
Maryland Bodily injury and property damage liability, Personal injury protection (PIP), uninsured motorist, underinsured motorist 30/60/15
Massachusetts Bodily injury and property damage liability, Personal injury protection (PIP) 20/40/5
Michigan Bodily injury and property damage liability, Personal injury protection (PIP) 20/40/10
Minnesota Bodily injury and property damage liability, Personal injury protection (PIP), uninsured motorist, underinsured motorist 30/60/10
Mississippi Bodily injury and property damage liability 25/50/25
Missouri Bodily injury and property damage liability, uninsured motorist 25/50/25
Montana Bodily injury and property damage liability 25/50/20
Nebraska Bodily injury and property damage liability, uninsured motorist, underinsured motorist 25/50/25
Nevada Bodily injury and property damage liability 25/50/20
New Hampshire Financial responsibility only 25/50/25
New Jersey Bodily injury and property damage liability, Personal injury protection (PIP), uninsured motorist, underinsured motorist 15/30/5
New Mexico Bodily injury and property damage liability, 25/50/10
New York Bodily injury and property damage liability, Personal injury protection (PIP), uninsured motorist, underinsured motorist 25/50/10
North Carolina Bodily injury and property damage liability, uninsured motorist, underinsured motorist 30/60/25
North Dakota Bodily injury and property damage liability, Personal injury protection (PIP), uninsured motorist, underinsured motorist 25/50/25
Ohio Bodily injury and property damage liability 25/50/25
Oklahoma Bodily injury and property damage liability 25/50/25
Oregon Bodily injury and property damage liability, Personal injury protection (PIP), uninsured motorist, underinsured motorist 25/50/20
Pennsylvania Bodily injury and property damage liability, Personal injury protection (PIP) 15/30/5
Rhode Island Bodily injury and property damage liability, Personal injury protection (PIP) 25/50/25
South Carolina Bodily injury and property damage liability, uninsured motorist, underinsured motorist 25/50/25
South Dakota Bodily injury and property damage liability, uninsured motorist, underinsured motorist 25/50/25
Tennessee Bodily injury and property damage liability 25/50/15
Texas Bodily injury and property damage liability, Personal injury protection (PIP) 30/60/25
Utah Bodily injury and property damage liability, Personal injury protection (PIP) 25/65/15
Vermont Bodily injury and property damage liability, uninsured motorist, underinsured motorist 25/50/10
Virginia Bodily injury and property damage liability, uninsured motorist, underinsured motorist 25/50/20
Washington Bodily injury and property damage liability 25/50/10
West Virginia Bodily injury and property damage liability, uninsured motorist, underinsured motorist 25/50/25
Wisconsin Bodily injury and property damage liability, uninsured motorist, medical payments (MedPay) 25/50/10
Wyoming Bodily injury and property damage liability 25/50/20
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.
States Average Annual Liability Coverage Rates Average Annual Collision Coverage Rates Average Annual Comprehensive Coverage Rates Average 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
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.
Frequently Asked Questions
What is American Access Auto Insurance?
American Access Auto Insurance is a company that provides auto insurance coverage for individuals and families in the United States. They offer various types of auto insurance policies to meet the needs of their customers.
What types of auto insurance coverage does American Access Auto Insurance offer?
American Access Auto Insurance offers a range of coverage options, including liability coverage, collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, personal injury protection (PIP), and medical payments coverage. They also provide additional options such as roadside assistance and rental reimbursement coverage.
How can I get a quote for auto insurance from American Access?
To obtain a quote from American Access Auto Insurance, you can visit their official website or contact their customer service department directly. They will require some basic information about you, your vehicle, and your driving history to provide an accurate quote.
What factors affect the cost of auto insurance with American Access?
The cost of auto insurance with American Access is influenced by various factors, including your driving record, the type of vehicle you own, your age, your location, and the coverage options you choose. Other considerations may include your credit history and any discounts you may qualify for.
How can I file a claim with American Access Auto Insurance?
If you need to file a claim with American Access Auto Insurance, you can contact their claims department through their website or by calling their dedicated claims phone number. They will guide you through the process and provide the necessary information and forms to complete your claim.
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Cynthia Lanctot
Licensed Agent
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.
Licensed Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.