American Access Car Insurance Review for 2024 [Cost & Coverage]

This American Access car insurance review takes a closer look at what this high-risk car insurance company has to offer drivers with less-than-perfect driving records.

American Access Casualty Company is a subsidiary of Kemper Corporation, specializing in high-risk car insurance policies. Rates are more affordable than other non-standard providers, but coverage is only available in Arizona and Indiana.

American Access Car Insurance Rating

Rating Criteria
Overall Score	3.3
Business Reviews	4
Claim Processing	2.9
Company Reputation	3
Coverage Availability	2.7
Coverage Value	3.2
Customer Satisfaction	3.6
Digital Experience	3
Discounts Available	4.3
Insurance Cost	3.7
Plan Personalization	3
Policy Options	2.2
Savings Potential	3.9

Scroll down to read detailed American Access Casualty Company reviews and customer ratings. Then compare the cheapest AZ car insurance companies and the cheapest Indiana car insurance rates to see how American Access stands up to the competition in your state.

To find cheap car insurance in all 50 states, enter your ZIP code above into our free comparison tool.

American Access Car Insurance Rates Breakdown

American Access car insurance per month depends on age, gender, and the type of coverage chosen. Teen drivers face the highest premiums — minimum coverage costs around $360/month, while full coverage car insurance can go up to $620 monthly.

American Access Car Insurance Monthly Rates by Age, Gender, & Coverage Level

This said, as drivers reach older ages their premiums fall by a lot. Seniors 65 or older pay the best rates. Women over 65 only have to shell out $50 monthly for minimum coverage and $110 full coverage.

American Access sells high-risk car insurance for AZ and IN drivers who may have multiple accidents or DUIs. See how American Access adjusts its rate levels according to risk driving violations quickly increases rates.

Those with only one traffic ticket are billed at a lower rate of $185, while those who keep their record clean save the most, paying just $125 per month. For similar options, people also searched for other providers offering safe driver discounts. Find out how to get cheap car insurance after a DUI.

American Access Car Insurance Rates vs. The Competition

American Access auto insurance rates are more expensive than popular, standard companies like Geico and State Farm. Since it takes on the financial risk of insuring high-risk drivers, American Access charges more per month.

American Access Car Insurance Monthly Rates vs. Top Competitors by Age & Gender

Age & Gender	Age: 18 Male	Age: 18 Female	Age: 25 Male	Age: 25 Female	Age: 35 Male	Age: 35 Female	Age: 45 Male	Age: 45 Female	Age: 60 Male	Age: 60 Female
	$335	$325	$200	$195	$160	$155	$140	$135	$120	$115
	$320	$310	$180	$175	$140	$135	$120	$115	$100	$95
	$270	$260	$160	$155	$130	$125	$110	$105	$95	$90
	$325	$315	$190	$185	$150	$145	$130	$125	$110	$105
	$310	$300	$175	$170	$140	$135	$120	$115	$100	$95
	$315	$305	$185	$180	$145	$140	$125	$120	$105	$100
	$290	$275	$170	$165	$135	$130	$115	$110	$100	$95
	$340	$330	$210	$205	$165	$160	$145	$140	$125	$120
	$330	$320	$195	$190	$155	$150	$135	$130	$115	$110
	$280	$270	$165	$160	$130	$125	$110	$105	$95	$90

Fortunately, American Access is cheaper than some of the best car insurance companies for high-risk drivers, especially for drivers with multiple incidents or claims on their records.

American Access Car Insurance Discounts Summary

American Access offers a range of car insurance discounts that can make it more affordable, especially for high-risk drivers seeking ways to lower their costs. Bundling auto insurance with other policies unlocks a 15% multi-policy discount for homeowners and renters.

American Access Car Insurance Discounts and Potential Savings Percentages

Families insuring multiple vehicles can save up to 20%, and students with good grades also receive a 10% discount, helping young drivers who typically face higher premiums. Customers paying upfront can save an extra 5%. At this price point, it seems American Access is a strong option for drivers who want to pay as little as possible.

American Access Car Insurance Coverage Details

With American Access, you can choose from different car insurance options. Liability coverage is required by law and helps pay if you’re responsible for someone’s injuries or property damage in an accident.

Collision coverage handles repairs to your car after an accident, while comprehensive car insurance coverage takes care of things like theft or weather-related damage.

American Access Car Insurance Coverage Options

Getting into an accident with a driver who doesn’t have enough insurance can be stressful, but your policy can help cover medical costs with options like PIP or medical payments. You can also add coverage for rental cars during repairs and roadside help for things like flat tires or towing. These features let you shape your policy to fit what works best for you.

In sum, American Access provides flexible coverage options, but drivers, especially those with clean records, may find it beneficial to explore other providers for the most competitive rates.

Customer Feedback on American Access Car Insurance

American Access auto insurance plans are a good option for high-risk drivers aiming to save. The company offers competitive rates along with discounts for students and households with multiple vehicles.

On the other hand, review highlights indicate that customer feedback is more critical regarding claims processing and customer service, noting that the average claim processing time can be slow, with some customers facing long waits or difficulties reaching helpful representatives.

While there are areas for improvement, American Access still offers a solid choice for drivers seeking availability and affordability through assigned risk car insurance.

In Arizona and Indiana, where other insurers may charge significantly higher premiums, American Access provides a more budget-friendly option, especially for those who need basic coverage and have limited choices due to high-risk status.

American Access Car Insurance Agency Ratings

The table below outlines annual ratings and consumer feedback for American Access auto insurance. J.D. Power rates the company at 790 out of 1,000, indicating below-average customer satisfaction, while grades the Better Business Bureau (BBB) of B, signifying satisfying but mediocre business practices.

American Access Car Insurance Business Ratings & Consumer Reviews

Agency
	Score: 790/1,000 Below Avg. Satisfaction
	Score: B Satisfactory Business Practices
	Score: 65/100 Below Avg. Customer Feedback
	Score: 3.10 More Complaints Than Avg.
	Score: B+ Good Financial Strength

Consumer Reports rates American Access 65 out of 100, indicating below-average customer feedback. The National Association of Insurance Commissioners (NAIC) also gives it a score of 3.10, indicating that the company receives more complaints than the industry average.

These numbers of scores highlight the wide variations in business operations performance, also how customer ratings for satisfaction affect car insurance companies as well specifically looking at consumer engagement.

American Access Car Insurance Pros and Cons

American Access provides flexible car insurance policies which allow you to find the right level of coverage, especially if you’re a high-risk driver looking for lower rates.

• Customizable Policy Options: By using criteria such as age, driving history, and type of vehicle, drivers can get a policy that fits their needs.
• Discount Programs: American Access has plenty of discounts available for good drivers, students, multi-policy holders, and with multiple vehicles in the household.
• Competitive Rates for High-Risk Drivers: American Access provides cheap rates for drivers with accidents, DUIs, or need to file for SR-22 insurance.

Despite these benefits, most drivers may have difficulty finding American Access car insurance nearby or options to browse nearby locations. Other potential downsides also come with choosing American Access:

• Average Customer Service: Other reviews point to bad customer service, like slow claims processing and poor communication.
• Limited Availability: Affordable American Access high-risk car insurance is only available in two states: Indiana and Arizona.

American Access is a good option for drivers who want some flexibility from their car insurance and are looking for discount opportunities, but high-risk drivers may want to check rates with other providers to be sure they are getting the best deal.

Get Streamlined High-Risk Car Insurance With American Access

Our American Access car insurance review finds affordable high-risk insurance options for young adults, seniors, and multi-vehicle households who have accidents or claims on their records. American Access creates flexible insurance plans to accommodate long-term needs.

American Access Casualty Company meets the needs of high-risk drivers with few insurance options seeking adaptable, affordable coverage. It’s supported by Kemper Corporation, a guaranteed-approval car insurance company.

The biggest downside to American Access insurance is it’s only available in Arizona and Indiana. If you need to find cheap high-risk auto insurance in your state, enter your ZIP code below to get free insurance quotes from affordable companies near you.