American Access Casualty Company Review for 2026
American Access Casualty Company, a Kemper subsidiary, offers minimum coverage starting at $61 per month to high-risk drivers who need SR-22 insurance in Arizona, Illinois, and other states. This American Access Casualty Company review compares DUI rates and shows how drivers can get fast claims support.
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Table of Contents
Insurance and Finance Writer
Luke Williams is a finance, insurance, real estate, and home improvement expert based in Philadelphia, Pennsylvania, specializing in writing and researching for consumers. He studied finance, economics, and communications at Pennsylvania State University and graduated with a degree in Corporate Communications. His insurance and finance writing has been featured on Spoxor, The Good Men Project...
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Sara Routhier, Senior Director of Content, has professional experience as an educator, SEO specialist, and content marketer. She has over 10 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 of insurance....
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Updated September 2026
Use this American Access insurance review to find affordable nonstandard auto insurance that meets state-specific legal requirements for SR-22 filing.
- A $25 nonrefundable policy fee applies to all new AACC customers
- American Access Insurance is only available in five states
- Full coverage insurance costs $178 a month with American Access
Available in only five states, American Access provides cheap auto insurance for high-risk drivers with accidents or DUIs.
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.
American Access Auto Insurance Rating| 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 |
AACC starts at an affordable monthly rate, but multiple violations or license suspension can quickly increase premiums.
If you need more affordable high-risk car insurance, our online comparison tool can help you find cheaper providers near you.
American Access Car Insurance Cost Comparison
Because it focuses more on high-risk drivers, American Access quotes tend to be a little higher than average. If you have a clean driving record, you can probably find cheaper rates elsewhere.
Young drivers, like 16-year-old males, have the highest AACC insurance rates at an average of $289 per month. Older individuals typically have the lowest premiums, indicating that they are at lower risk over time.
American Access costs more than several major competitors for both minimum and full coverage, but it covers high-risk drivers who can’t qualify for insurance elsewhere.
Depending on the type of coverage you’re looking for, compare multiple insurance companies to see which is better when it comes to flexible plans or features that help your situation.
American Access vs. Top Competitors: Auto Insurance Monthly Rates| 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 the best auto insurance for good drivers, with premiums at nearly half the cost of American Access.
American Access is primarily worth considering if violations or claims make it difficult to qualify for affordable coverage from a standard insurer like Geico.
Clean Record vs. High-Risk Insurance Prices at American Access
One of the most important factors that affects your car insurance rates is your driving record. Drivers with clean records can pay half what people with DUIs might pay.
American Access charges $72 per month for a clean record, compared with $91 after a ticket, $102 after an accident, and $138 after a DUI.
American Access Auto Insurance vs. Competitors: Monthly Rates by Driving Record| Company | Clean Record | One Accident | One DUI | One Ticket |
|---|---|---|---|---|
| $72 | $102 | $138 | $91 |
| $62 | $94 | $104 | $73 |
| $76 | $109 | $105 | $95 |
| $43 | $71 | $117 | $56 |
| $96 | $129 | $178 | $116 |
| $63 | $88 | $129 | $75 |
| $56 | $98 | $75 | $74 |
| $47 | $57 | $65 | $53 |
| $53 | $76 | $112 | $72 |
| $32 | $42 | $58 | $36 |
Drivers with clean records can find substantially lower rates elsewhere. American Access charges $72 per month for minimum coverage, compared with $43 at Geico and $47 at State Farm.
The mandatory $25 fee will also raise overall costs, so compare quotes online to find the most reasonable rates near you.
Although American Access offers affordable coverage for drivers with imperfect records, having a clean driving history will keep your insurance rates as low as possible.
If you have points against you, you won’t have to pay higher insurance rates forever. As long as you avoid additional incidents, a traffic violation will stop affecting your rates after a few years. Find high-risk driver savings now in our guide: How to Get Multiple Auto Insurance Quotes
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Comparing Policy Options From American Access
American Access car insurance is a good choice for drivers with less-than-perfect records. That’s especially true if you need SR-22 filings after having your license suspended.
All American Access Insurance policies offer the option to include an SR-22 filing with your state if you need it, though it will likely increase the cost of your coverage.
American Access specializes in nonstandard auto insurance and offers SR-22 filings for drivers who need proof of financial responsibility.
Policies include the standard coverages needed for full coverage, along with a limited selection of optional benefits, including rental reimbursement and roadside assistance.
- International Coverage: Covers drivers with an international or no driver’s license traveling back and forth from the U.S. to Mexico or Canada.
- Rental Reimbursement: Covers the cost of a rental car when your own vehicle is in repair following a covered claim.
- Roadside Assistance: American Access Casualty Company roadside assistance provides towing, jump starts, flat tire changes, and lockout help.
- 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.
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.
If you need SR-22 insurance after a DUI or driving without insurance coverage, American Access can help. American Access will file the necessary SR-22 form with your local DMV, but it will increase your insurance rates.
Its parent company, Kemper Corporation, sells business and life policies as well as car insurance. However, American Access only sells auto insurance.
American Access only sells insurance in a few states. If you need insurance in a state that American Access doesn’t write policies in, enter your ZIP code into our free comparison tool to see rates in your area.
Ways to Save on American Access Auto Coverage
Unfortunately, American Access Casualty Company discounts are not listed on the AACC website. However, since AACC is owned by Kemper, you can reasonably expect some of the same discounts.
When you buy an American Casualty auto insurance policy, you might have access to the following discounts.
Keep in mind that these discounts may not be available in all locations. For example, American Access Insurance in Houston, TX, will likely have different savings opportunities than American Access Insurance in Chicago, IL.
Since information is limited, it’s a good idea to call the American Access Casualty Company phone number to check which discounts are available to you.
How to Save More on American Access Insurance
If you are a high-risk driver seeking cheap auto insurance, American Access Casualty Company offers various options to help lower your premium.
Their basic rates are good for drivers who need SR-22 filings, but you can take several steps to avoid unnecessary premium increases:
- Avoid Claims: Consider paying for minor damage out of pocket when the repair cost is close to your deductible, since claims history can raise rates at renewal.
- Insure Multiple Vehicles: Get up to 15% off your total premium with a multi-car discount if you insure more than one vehicle on the same AACC policy.
- Maintain a Clean Driving Record: While AACC specializes in high-risk coverage, maintaining a clean driving record for three years can help you get lower rates.
- Pay-in-Full Option: If you pay all your premiums at once instead of in monthly parts, you avoid extra fees and might get a one-time discount.
- SR-22 Compliance: Sending your SR-22 form through AACC right after a suspension can help you avoid delays and potential price increases due to late submission.
American Access offers budget-friendly options for high-risk drivers who need state-mandated auto insurance. Use our quote finder to see how rates compare near you.
While there aren’t many discount options for high-risk drivers, you can keep rates under control by insuring multiple cars and maintaining a safe driving record.
American Access Insurance Reviews & Ratings
Third-party ratings show mixed results for American Access Casualty Company reviews, particularly for financial strength, complaints, and customer satisfaction.
Get tips on how to compare insurer consumer ratings in our article: How to Buy Auto Insurance
American Access Insurance Business Ratings & Consumer Reviews| Agency | |
|---|---|
 | Score: B Fair Financial Strength |
 | Score: A+ Excellent Business Practices |
 | Score: 78/100 Positive Customer Feedback |
 | Score: 795 / 1,000 Above Avg. Satisfaction |
 | Score: 0.83 Fewer Than Avg. Complaints |
Continuing with third-party American Access car insurance reviews, A.M. Best gives it a B financial-strength rating. This is a weaker assessment than insurers with A-range ratings, but still strong enough to pay claims.
American Access Casualty reviews from the BBB are also high, with an A+, indicating excellent customer satisfaction.
Comment
byu/tawayyesterday from discussion
inInsurance
This American Access Casualty Company review on Reddit offers a straightforward perspective on insurance companies. It states that representatives play a crucial role in American Access claims, although some customer reviews report long waits during claims.
However, the NAIC reported a complaint ratio of 0.83, slightly below the average. Consumer Reports gave it a 78/100, and J.D. Power scored it 725 out of 1,000 for an above-average claims experience.
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Deciding to Buy American Access Car Insurance
American Access Casualty Company insurance primarily serves high-risk drivers, including those who need an SR-22 filing after a serious violation or license suspension.
Explore our guide to save money while managing SR-22 requirements: Tips to Pay Less for Car Insurance
AACC auto insurance appeals to drivers needing SR-22 with fast filings and no delays.
Jeff Root Licensed Insurance Agent
Some American Access insurance reviews suggest its agents need to handle claims service more effectively, but its A+ BBB rating indicates solid business operations. AACC receives higher customer satisfaction ratings than its parent company, Kemper Insurance.
AACC does not sell any other type of insurance, so it’s only a good choice for auto coverage. Additionally, the American Access Casualty Insurance company is only available in AZ, IL, IN, NV, and TX. If you need high-risk insurance, check rates in your area.
Frequently Asked Questions
Is American Access a good insurance company?
American Access Insurance is a solid choice for high-risk drivers needing SR-22 filings. It offers affordable liability coverage starting at $61 per month.
Is American Access and Kemper the same car insurance company?
Kemper purchased American Casualty Insurance in 2021. Although Kemper owns American Access Casualty Insurance, it operates independently. To compare providers near you, try our rate comparison tool today.
Can you file an American Access claim online?
You cannot file a claim online with the AACC insurance company. Instead, you’ll need to call the American Access phone number and speak with a representative to file a claim. However, you can make an American Access payment online. Learn More: How to File an Auto Insurance Claim & Win
How does the American Access Casualty Company payment process work?
American Access allows policyholders to pay monthly premiums online, by phone, or at authorized retail locations. If you need help with the American Access Insurance payment process, you can always call for assistance or read our guide: What to Do if You Can’t Afford Your Auto Insurance.
Does American Access Casualty Company sell other types of insurance?
Currently, you can only buy AACC car insurance from this company. If you want other types of insurance, check out its parent company, Kemper. Alternatively, use our quote finder to select which type of insurance you’re interested in and start comparing rates immediately.
Is American Access Casualty Company part of CNA?
American Access Casualty Company is not part of CNA. It operates as a subsidiary of Kemper Corporation, specializing in nonstandard auto insurance for high-risk drivers.
What is the phone number for American Access Casualty Claims?
The American Access Insurance claims phone number is (630) 645-7755. You can call during normal business hours on weekdays. Some locations offer American Access Casualty claims service for a limited number of hours on Saturday.
Get More Details: How Claims History Affects Insurance Rates
How do I file a claim with American Access Insurance?
Call the American Access insurance claims phone number to report auto accidents. The only way to file American Access Insurance claims is to contact either the company or your local agent by phone. Currently, there is no way to file American Access auto claims online.
How are American Access Casualty Company claims handled?
You can call the American Access Insurance number to get updates on the progress of your claim. American Access Insurance claims are typically processed in 14 days.
Is Kemper Insurance pulling out of states?
Why is Kemper closing? Kemper has exited several low-performing states and is operating only in regions where profitability remains 8% or more. Find out more in our guide: What to Do When You’re Denied Insurance Coverage
What states does American Access Casualty Insurance sell coverage in?
Why is Kemper insurance so expensive?
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