Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Written by Chelsey Tucker
Insurance Expert Chelsey Tucker

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Jun 28, 2022

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Company Details
President: Tom Keller
Address: 2211 Butterfield Rd, Suite 200
City: Downers Grove
State: Illinois
ZIP Code: 60515
Phone Number: 888-663-5443
Toll Free: (603) 645-7750
Year Founded: 1999
AM Best Rating: B+
Company Rating 0 (0 reviews)

American Access insurance sells non-standard, low-cost auto insurance in five states. To qualify for American Access auto insurance quotes, you must live in Arizona, Illinois, Indiana, Nevada, or Texas.

As a non-standard insurer, this company caters to higher-risk individuals who struggle to secure coverage from traditional auto insurance companies. So, people with poor driving records, international licenses, or no license at all can still buy American Access auto insurance.

In this American Access auto insurance review, compare financial and customer ratings, learn how to request a quote, and more to determine if this is the right insurance company for you.

After learning about affordable American Access auto insurance, don’t forget to enter your ZIP code into our free rate comparison tool above to receive quotes from the top companies near you.

What is American Access insurance?

The American Access auto insurance company sells non-standard auto insurance in five different states and is owned by the Kemper Insurance Company brand. Officially called the American Access Casualty Company, you must live in Arizona, Illinois, Indiana, Nevada, or Texas to qualify for coverage.

This company also has a team of bilingual employees available for customer convenience.

As a non-standard insurer, American Access specializes in underwriting policies for higher-risk individuals. This includes auto insurance for people with bad driving records, drivers with international licenses, unlicensed customers, and folks needing SR-22 insurance.

However, safer drivers who easily qualify for traditional coverage may have better luck securing cheaper rates from some of the other more conventional auto insurance companies.

You can secure all of the basic auto insurance coverages from this company, including liability, collision, and comprehensive insurance. You can also purchase uninsured or underinsured motorist protection and personal injury protection (PIP) insurance in the states where it is legally required coverage.

For optional policy add-ons, American Access offers roadside assistance packages and rental car reimbursement.

However, availability varies by state. For specific information about what coverage options are available to you through American Access, you must speak with an agent.

While there is no mobile app available for customers, drivers create customer logins on the company website. Once you’ve secured your American Access login, you can make necessary policy changes, pay your bill, and access your ID cards, all within the customer portal.

You can also submit your American Access insurance payments over the phone by calling 630-570-7181.

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How do you request American Access auto insurance quotes?

You must go through an independent agent to request American Access auto insurance quotes. Unfortunately, there are no online quote tools available on the company website.

To find an agent on the American Access website, fill out a short form with information about your street address, city, state, and ZIP code.

You’ll receive contact information for the American Access offices and agents nearest you.

Then, you can choose to speak directly with a representative who helps you with the rest of the quote application.

What are the average American Access auto insurance rates?

At this time, American Access auto insurance rates are not made available to the public.

However, if you request a quote, consider comparing it to the average insurance cost in the state where you live.

The table below compares the average annual auto insurance expenditures in the five states where American Access operates, as reported by the Insurance Information Institute (III).

Average Annual Auto Insurance Expenditures by State
StatesAverage Annual Auto Insurance Expenditures
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Many different factors impact your auto insurance costs, including your age, driving record, ZIP code, and even the type of car you drive.

Plus, if you’re a higher-risk customer who struggles to secure traditional coverage, your insurance rates are likely to be much higher than average.

So to secure your best possible coverage for the lowest possible price, compare quotes from a variety of the best insurance companies, including standard and non-standard insurers.

How do you file American Access auto insurance claims?

Call the company directly or contact your local agent to file an American Access auto insurance claim.

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

The company also provides customers with an online checklist of information it will be necessary to provide in order to ensure the claims process goes smoothly. Required information includes details like the name, address, and telephone number for each person involved in the incident and photos of the damaged vehicles.

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Does American Access offer any auto insurance discounts?

American Access does not advertise any available auto insurance discounts on the company website. However, this does not necessarily mean that no rate reductions are available.

As a non-standard insurer, this company likely does not offer as many discounts as other traditional auto insurance companies.

For information about any potential saving opportunities you might earn through American Access, you must speak with one of the local agents nearest you.

What are the American Access ratings and reviews?

It’s crucial to analyze an insurance company’s customer experiences and financial ratings so you can determine if the company is reliable before committing to an actual policy.

While American Access claims to be in good financial shape on the company website, it only earned a B+ score from one of the leading credit rating agencies, A.M. Best.

Historically, this company often received less than perfect financial evaluations.

Back in 2015, A.M. Best published a press release lowering the score for this company from BB+ to BB, claiming the issuer credit rating remained negative.

Unfortunately, American Access insurance reviews from real customers also remain somewhat negative.

American Access earned a complaint index of 4.79, according to the National Association of Insurance Commissioners (NAIC). The median is always set to 1.00, and lower scores are better.

So this means American Access received more than four times as many customer complaints as the median. That said, American Access is Better Business Bureau (BBB) accredited and holds an A+ rating.

While it’s common for auto insurance companies to receive negative reviews online, it’s vital you keep these customer experiences in mind while you shop around for your best coverage.

Does American Access sell other insurance products?

American Access insurance company does not sell other insurance products outside of auto policies.

Plus, all policies are sold through a team of agents. You must speak with a representative to secure coverage.

However, the parent company, Kemper, does offer other lines of insurance through various other subsidiaries, including life, health, property, and homeowners insurance. Product availability and rates vary by state.

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What is the history of American Access insurance?

American Access Casualty Company was incorporated in December 1999 in the Chicago metropolitan area. It then expanded into the rest of Illinois and started selling non-standard auto insurance products in four additional states.

In late 2020 and early 2021, Kemper acquired American Access in a $370 million transaction.

Today, American Access has written over $80 million in auto insurance business and has a team of bilingual employees ready to help any type of driver secure coverage.

American Access Insurance: The Bottom Line

If you live in one of the states where American Access operates and struggle to secure traditional auto coverage, consider adding this company to your comparison shopping list.

However, understand that the financial outlook for this business is not entirely known.

Plus, this company does not provide customers with a mobile app or an online claims center. With these things in mind, it may still be worth comparing your American Access quote to other non-standard insurance companies available near you.

Otherwise, safer drivers or people who need traditional coverage likely will earn cheaper rates with more coverage options from other providers listed among the best auto insurance companies.

You’ve learned how to buy American Access auto insurance, now secure the best coverage for you by entering your ZIP code into our free quote comparison tool below.