American Access Car Insurance Review (2022)

Drivers who have an international license or need SR-22 can get the coverage they need with the American Access Casualty Company. While not many discounts are available through the American Access Casualty Company, you can view your policy documents and make payments online if you buy auto insurance through this company.

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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

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

UPDATED: Jun 17, 2022

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A Concise Overview

American Access offers bilingual assistance
American Access provides SR-22 insurance
American Access allows drivers with an international license to apply for insurance

Getting auto insurance can be difficult if you’ve just moved to the United States from another country, and public transportation may not be as prevalent in America as it is in other countries. If you need to go somewhere or want to see great American landmarks, the American Access Casualty Company can get you the coverage you need to drive legally in the United States.

Learn how you can get SR-22 insurance from American Access Casualty Insurance and how you can save money with this company.

Discover more about this company and enter your ZIP code to receive free insurance quotes right away.

Table of Contents

What is American Access Casualty Company?

The American Access Casualty Company Insurance was founded in 1999 and currently provides insurance to drivers in four states:

Illinois
Indiana
Arizona
Texas

When scanning the website for American Access locations, the only address listed is the company’s corporate office, located at 2211 Butterfield Rd. Suite 200, Downers Grove, IL 60515.

If you need to buy a liability-only or a full coverage policy, you’ll be able to find an agent who can help you on the American Access website. With your American Access login, you’ll be able to review your policy documents and make your American Access insurance payment.

If you need to contact the American Access claims department, you must call a designated claims number. American Access does not provide the option to file a claim online.

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What is the difference between American Access Casualty and other auto insurance companies?

Unlike other insurance companies on the market today, American Access Insurance Company allows drivers with an international license to apply for insurance.

You can even apply for insurance with American Access if you don’t have a driver’s license. It may seem odd to purchase auto insurance if you don’t have a license. However, if someone has given up their license and still owns a car, an active insurance policy can allow that individual to be driven legally by a friend or neighbor.

What are the best features of the American Access Casualty Company?

While the best features of an auto policy may change from driver to driver, American Access offers features that include low down payments and installment payment plans and provides same-day insurance.

One other best feature or crowning glory is American Access offers cheap SR-22 insurance. This type of insurance can be hard to find, and certain states require that high-risk drivers obtain SR-22 insurance. American Access may be the company for you if you need this insurance.

How can you save money with the American Access Casualty Company?

Unfortunately, you can’t reduce your American Access payment by having insurance bundles as this company doesn’t have any other policies. You can save money through the multi-car discount, anti-theft discount, and renewal discount offered by American Access. As you can see, American Access doesn’t offer much in the way of discounts, unlike other major auto insurance companies:

Auto Insurance Discounts Available by Company

Discounts	21st Century	AAA	Allstate	American Family	Ameriprise	Amica	Country Financial	Esurance	Farmers	GEICO	Liberty Mutual	MetLife	Nationwide	Progressive	Safe Auto	Safeco	State Farm	The General	The Hanover	The Hartford	Travelers	USAA
Adaptive Cruise Control	No	No	No	No	No	No	No	No	No	No	Yes	Yes	Yes	Yes	No	No	No	No	No		No	No
Adaptive Headlights	No	No	No	No	No	Yes	Yes	No	Yes	No	Yes	Yes	Yes	Yes	No	No	No	No	No	Yes	No	No
Anti-lock Brakes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Anti-Theft	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Daytime Running Lights	Yes	Yes	Yes	Yes	Yes	No	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	No	No	No	Yes	Yes	Yes	Yes
Electronic Stability Control	No	No	Yes	Yes	No	Yes	Yes	No	Yes	No	Yes	Yes	Yes	Yes	No	No	No	No	No	No	No	No
Utility Vehicle	No	No	Yes	No	No	No	No	No	Yes	Yes	No	No	No	No	No	No	No	No	No	Yes	No	No
Vehicle Recovery	Yes	Yes	Yes	Yes	Yes	Yes	No	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
VIN Etching	No	No	No	No	No	No	No	Yes	Yes	No	Yes	Yes	Yes	Yes	Yes	Yes	No	No	No	No	Yes	Yes
Lane Departure Warning	No	No	No	No	No	No	No	No	No	No	Yes	Yes	Yes	Yes	No	No	No	No	No	No	No	No
Newer Vehicle	Yes	Yes	Yes	No	No	No	Yes	Yes	Yes	Yes	No	Yes	Yes	Yes	Yes	Yes	Yes	No	No	Yes	Yes	Yes
Green Vehicle	Yes	No	Yes	No	No	No	No	Yes	Yes	No	Yes	No			No	No	No	No	No	Yes	Yes
Forward Collision Warning	No	No	No	No	No	Yes	Yes	No	No	No	Yes	Yes	Yes	Yes	No	No	No	No	No	Yes	No	No
Claim Free	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Continuous Coverage	Yes	Yes	Yes	Yes	No	Yes	Yes	Yes	Yes	Yes	No	No	No	Yes	Yes	Yes	No	No	Yes	Yes	Yes	No
Defensive Driver	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Distant Student	No	Yes	Yes	Yes	Yes	Yes	No	No	Yes	Yes	No	No	Yes	Yes	No	Yes	Yes		Yes	Yes	Yes	Yes
Driver's Ed	Yes	Yes	Yes	Yes	No	Yes	Yes	Yes	Yes	Yes	Yes	Yes		Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Driving Device/App	No	Yes	Yes	Yes	No	No	No	Yes		Yes	Yes	Yes	Yes	Yes	No	Yes	Yes	No	No	Yes	Yes	Yes
Early Signing	Yes	No	Yes	Yes	No	No	Yes	Yes	Yes	Yes	No	Yes	Yes	Yes	No	Yes	No	No	No	Yes	Yes	Yes
Emergency Deployment	No	No	No	No	No	No	No	No	No	Yes	No	No	No	No	No	No	No	No	No	No	No	No
Engaged Couple	No	No	No	No	No	No	Yes	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No
Family Legacy	No	No	No	Yes	No	Yes	No	No	No	Yes	No	Yes	No	Yes	No	No	No	No	No	No	No	Yes
Family Plan	No	No	No	Yes	No	No	Yes	No	Yes	No	No	No	Yes	No	No	No	No	No	No	Yes	No	No
Farm Vehicle	No	No	Yes	No	No	No	No	No	Yes	Yes	No	No	No	No	No	No	No	No	No	Yes	No	No
Fast 5	No	No	No	No	No	No	No	Yes	No	No	No	No	No	No	No	No	No	No	No		No	No
Federal Employee	No	No	No	No	No	No	No	No	Yes	Yes	Yes	Yes	No	No	No	No	No	No	No	No	No	No
Full Payment	No	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	No	No	Yes	Yes	Yes		Yes	Yes	Yes	Yes	No
Further Education	No	No	No	No	Yes	No	Yes	Yes	No	Yes	Yes	No	Yes	No	No	Yes	No	No	Yes	No	Yes	No
Garaging/Storing	No	No	No	No	Yes	Yes	No	No	Yes	No	No	No	No	No	No	No	No	No	No	Yes	Yes	Yes
Good Credit	No	No	No	No	No	No	No	No	No	No	No	No	Yes	Yes		Yes	Yes	No	No	No	No	No
Good Student	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Homeowner	Yes	Yes	No	No	No	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	No
Life Insurance	No	No	Yes	No	No	No	No	No	No	No	No	No	Yes	No	No	No	No	No	No	No	No	No
Low Mileage	No	Yes	Yes	Yes	No	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes		Yes	Yes	Yes	Yes	Yes	Yes	Yes
Loyalty	No	No	No	Yes	Yes	Yes	Yes	No	No	Yes	No	Yes	Yes	Yes	No	Yes	No	Yes	No	Yes	No	Yes
Married	No	Yes	No	No	No	Yes	Yes	Yes	No	No	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	No	Yes	No	Yes
Membership/Group	No	Yes	No	No	Yes	No	No	Yes	No	Yes	Yes	Yes	Yes	No	No	Yes	No	No	Yes	Yes	Yes	No
Military	No	No	Yes	No	No	No	No	Yes	Yes	Yes	Yes	Yes	No	No	Yes	Yes	Yes	Yes	No	No	No	Yes
Military Garaging	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	Yes
Multiple Drivers	No	No	No	No	No	No	No	No	No	No	No	Yes	No	No	No	No	No	No	No	Yes	No	No
Multiple Policies	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	No	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Multiple Vehicles	Yes	Yes	No	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
New Address	No	No	No	No	No	No	No	No	No	No	Yes	No	No	No	No	No	No	No	No	No	No	No
New Customer/New Plan		No	No	No	No	No	No	No	No	No	Yes	Yes	No	No	Yes	No	No	No	No	No	No	No
New Graduate	No	No	No	No	No	No	No	No	No	No	Yes	No	No	No	No	No	No	No	No	No	No	No
Newly Licensed	No	No	No	No	No	No	No	No	No	No	Yes	No	No	No	No	No	No	No	No	No	No	No
Newlyweds	No	No	No	No	No	No	No	No	No	No	Yes	No	No	No	No	No	No	No	No	No	No	No
Non-Smoker/Non-Drinker	Yes	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No
Occasional Operator	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	Yes
Occupation	No	No	Yes	No	No	No	Yes	Yes	Yes	Yes	Yes	Yes	Yes	No	No	Yes	No	No	Yes	Yes	Yes	No
On Time Payments	No	No	Yes	No	No	No	No	No	No	No	No	No	No		Yes	No	No	No	No	Yes	Yes	No
Online Shopper	No	No	No	No	No	No	No	Yes	No	No	No	No	No	Yes	No	No	No	No	No	No	No	No
Paperless Documents	No	No	Yes	Yes	No	Yes	No	No	Yes	No	No	Yes	Yes	Yes	No	No	No	No	No	Yes	No	No
Paperless/Auto Billing	No	No	Yes	Yes	No	Yes	No	Yes	Yes	No	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Passive Restraint	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Recent Retirees	No	No	No	No	No	No	No	No	No	No	Yes	No	No	No	No	No	No	No	No	Yes	No	No
Renter	No	No	No	No	No	Yes	No	Yes	No	No	No	Yes	No	No	No	No	No	No	No	No	No	No
Roadside Assistance	No	No	No	No	Yes	No	No	Yes	No	No	No	No	No	No	No	No	No	No	No	No	No	No
Safe Driver	Yes	Yes	Yes	Yes	Yes	Yes	No	Yes	Yes	Yes	No	Yes	Yes	Yes	Yes	Yes	Yes	Yes	No	Yes	Yes	Yes
Seat Belt Use	No	No	No	No	No	No	No	No	No	Yes	No	No	No	No	No	No	No	No	No	No	No	No
Senior Driver	Yes	No	Yes	No	No	No	No	Yes	Yes	No	No	Yes	No	No	No	No	No	Yes	Yes	Yes	No	Yes
Stable Residence	No	No	No	No	No	No	No	No	No	No	No	No	Yes	Yes		Yes	No	No	No	Yes	No	No
Students & Alumni	No	No	No	Yes	No	No	No	Yes	No	Yes	Yes	Yes	Yes	No	No	No	No	No	No	No	No	No
Switching Provider	Yes	No	No	Yes	No	Yes	No	Yes	Yes		Yes	Yes	No	Yes	Yes	No	No	Yes	Yes	No	No	No
Volunteer	No	No	No	Yes	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No
Young Driver	Yes	No	No	No	No	No	Yes	No	No	No	Yes	No	No	Yes	No	Yes	No	No	No	No	No	Yes
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If you need to save money on your car insurance, you can also follow safe driving practices and maintain a good credit score. Insurance companies often review your driving history and credit score and will most likely view you as a low-risk driver if you can keep your claims low and your credit score high.

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What You Need to Know About the American Access Casualty Company

American Access lives up to its name. It allows more drivers access to American roads to have their very own adventures. If you live in a state where American Access provides insurance, you can get liability-only, full coverage, or SR-22 insurance if you need it. American Access also offers bilingual services, so if English isn’t your first language, you can rest assured that you’ll be able to get the assistance that you need.

Now that you’ve finished this detailed American Access review, you have the tools you need to find the best auto insurance policy for your coverage needs. Enter your ZIP code to compare free quotes from insurance companies near you today.

American Access Car Insurance Review (2022)

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

What is American Access Casualty Company?

What is the difference between American Access Casualty and other auto insurance companies?

What are the best features of the American Access Casualty Company?

How can you save money with the American Access Casualty Company?

What You Need to Know About the American Access Casualty Company

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