American Access Insurance Review for 2025 (+Options & Cost)

High-risk drivers can use this American Access insurance review to find nonstandard auto insurance designed to meet their unique record and state legal requirements.

Rating Criteria
Overall Score	3.2
Business Reviews	4.0
Claims Processing	2.9
Company Reputation	3.0
Coverage Availability	2.7
Coverage Value	3.2
Customer Satisfaction	1.8
Digital Experience	3.0
Discounts Available	4.3
Insurance Cost	3.8
Plan Personalization	3.0
Policy Options	2.2
Savings Potential	4.0

American Access Casualty Company (AACC) was acquired by Kemper Corporation in April 2021, but continues to operate under its original name in Arizona, Illinois, Indiana, Nevada, and Texas.

While only available in five states, American Access provides cheap auto insurance for high-risk drivers with accidents or DUIs.

AACC’s monthly rates start at $72, but if you need more affordable high-risk car insurance, enter your ZIP code to see if there are cheaper providers near you.

American Access Auto Insurance Rates

Young drivers, like 16-year-old males, have the highest rates with American Access at $289 per month. Older individuals typically have the lowest premiums, indicating that they are at lower risk over time.

Compare American Access auto insurance monthly rates with those of top competitors to see how AACC measures up against major providers for minimum and full coverage.

Auto Insurance Monthly Rates by Coverage Level

Insurance Company	Minimum Coverage	Full Coverage
	$72	$178
	$62	$166
	$76	$198
	$43	$114
	$96	$248
	$65	$164
	$56	$150
	$47	$123
	$53	$248
	$32	$84

USAA, Geico, and State Farm have cheap auto insurance for good drivers, but American Access Insurance specializes in high-risk policies, making it a better option for drivers who may have claims or speeding tickets on their records.

American Access High-Risk Auto Insurance Rates

For drivers with clean records or older infractions, the minimum cost at AACC is $72 per month, and full coverage is $178 per monthly.

If a driver has one DUI, the rates increase to $138 per month for minimum coverage and $362 a month for full coverage.

Having one accident results in monthly premiums of $95 and $245, while just a single ticket pushes monthly rates to $83 and $210. See how to get multiple auto insurance quotes to find high-risk driver savings now.

American Access Insurance Coverage

American Access focuses on standard car insurance but also provides a range of auto policies to help drivers with less-than-perfect records, including SR-22 filings for drivers who need it after a suspended license.

American Access is a specialized provider that focuses only on nonstandard auto insurance and offers fewer additional choices than other companies.

• SR-22 Insurance: To get SR-22 auto insurance, call the American Access insurance phone number and have an agent file it for you with the DMV.
• Rental Reimbursement: Covers the cost of a rental car when your own vehicle is in repair following a covered claim.
• Roadside Assistance: Provides towing, jumpstarts, flat tire changes, and lockout help in emergencies.
• International Coverage: Covers drivers with an international or no driver’s license traveling back and forth from the U.S. to Mexico or Canada.

Unlike other insurers, AACC does not provide services for homeowners, renters, or life insurance. Instead, it offers important coverages and programs designed for high-risk drivers.

Its parent company, Kemper Corporation, sells business and life policies as well as car insurance, but American Access Insurance only sells auto insurance.

American Access Insurance Customer Service and Financial Ratings

American Access Casualty Company reviews from accredited businesses give information about how customers feel regarding its service and financial stability. Discover how to buy auto insurance using trusted consumer ratings as your guide.

Agency
	Score: B Fair Financial Strength
	Score: A+ Excellent Business Practices
	Score: 78/100 Positive Customer Feedback
	Score: 725 / 1,000 Above Avg. Satisfaction
	Score: 1.35 Higher Than Average Complaints

The company received a B grade from A.M. Best, indicating fair financial strength, but not the best. It receives higher customer satisfaction ratings, with an A+ from the BBB, signifying excellent practices. Consumer Reports gave the product a score of 78 out of 100, while J.D. Power ranked it 725 out of 1,000 for an average claims experience.

However, the NAIC reported a complaint ratio of 1.35, which is slightly higher than the average and indicates areas that require improvement. This American Access Casualty Company review on Reddit offers a straightforward perspective on insurance companies, stating that most handle claims in a similar manner and that the agent plays a crucial role.

Deciding to Buy American Access Insurance

American Access Casualty Company stands out by offering a 15% discount for multi-car owners and has a special SR-22 filing program to help high-risk drivers become compliant fast. Explore tips to pay less for car insurance while managing SR-22 requirements.

Some American Access insurance reviews state that its agents need to handle claims service more effectively, but its A+ rating from the BBB suggests solid business operations. AACC receives higher ratings in customer satisfaction than Kemper Insurance, its parent company, but a higher complaint index still reflects room for improvement.

AACC does not sell any other type of insurance, and American Access auto insurance is only available in AZ, IL, IN, NV, and TX. Enter your ZIP code to find affordable insurance companies in your state.