Access Auto Insurance Reviews

Key Points:

• Because the company’s coverage is only available in Arizona and Indiana, Access Auto Insurance doesn’t rank among our top providers.
• Access Auto lacks detailed policy or discount information on its website, though the company has excellent reviews from customers online.
• Geico and Progressive are affordable alternatives for drivers in both Arizona and Indiana.

Access Auto Insurance is an Illinois-based insurance agency that sells auto insurance in Arizona and Indiana. Using our Access Insurance reviews and ratings, learn everything you need to know about the company and whether you should consider them when shopping for car insurance.

While you’re comparing quotes, we recommend also looking at some of the market’s best car insurance companies today. Find out which providers are rated highly in customer service, claims handling, cost, coverages, and financial stability.

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Access Auto Insurance Reviews

Access Auto insurance specializes in car insurance products in two states only. The company offers dependable coverage with positive customer reviews, but some drivers may benefit from working with other providers. We break down the pros and cons of working with Access below.

Pros And Cons Of Access Auto Insurance

Access Auto Insurance Rating

Our research and rating system awards Access Auto Insurance 3.5 out of a potential 5.0 stars. This low rating is primarily due to the limited availability and range of the company’s coverage options.

*Ratings are determined by our editorial review team. Learn more about our scoring methodology at the end of this article.

Access Auto Insurance Industry And Customer Ratings

Access Auto Insurance has been accredited with the Better Business Bureau (BBB) since 2018 and is rated A+ by the organization. The company currently only has one customer review on the website, however, which places it at a rating of 1.0 out of 5.0 stars. No complaints have been filed against Access Auto Insurance in the last year.

On Trustpilot, it has a 4.7 rating out of 5.0 with more than 800 customer reviews. While more than 90 percent of the reviews are positive, we found a couple of customers who were unhappy because their policies were canceled without notice after they moved out of state.

Positive Access Insurance Reviews

The majority of positive reviews have to do with Access providing customers with friendly and local hospitality.

“Access Insurance is the only company I have ever used to insure my vehicles in Arizona. After I became a customer they knew who I was each and every time I called and greeted me as if I were a long lost friend. There is not only a feeling of community with my local agent Zugey but family as well. I’m a happy customer.”

– Danny Thompson via Trustpilot

“The agent was very helpful to me and very patient with me, he listened to my concerns, put my mind at ease with the insurance I was about to purchase, gave me his card to contact him about any concerns that I may have in the future. So I was very satisfied upon leaving with my car fully insured by access auto insurance.”

– Anita Matthews. via Trustpilot

Negative Access Insurance Reviews

The bulk of negative reviews relay disappointment and frustration regarding inconsistency within the company and a lack of help in resolving issues.

“I was in an accident and called my claim into the insurance company. The insurance company sent an appraiser to come see the damage to the car. I called the adjuster that was handling my case and she said they were sending me a check. A week had passed and I never received the check, come to find out the wrong address was on the check… [The supervisor] apologized for the inconvenience and sent the check within 2 days. The check was deposited into my bank account, then I find out the check could not be verified. The bank put my account on restrictions. I am not able to get into my account. Access insurance would not void the check so my account could have the restrictions lifted. I am left with a check I cannot do anything with and a restricted bank account.”

– Lis H. via BBB

“You guys lied to me and said that if I pay in advance I’d get about 10 dollars off my bill. I called in the second time and the lady said I couldn’t do that. I’m gonna be looking for another company to deal with unless this gets resolved and someone contacts [me] about it.”

– Joshua R. Isaac via Trustpilot

Many Access Auto Insurance reviews also mentioned the insurer’s claims process. If you have an accident and have a policy from Access Auto Insurance, you should report the claim to your agent or the Access Auto Insurance helpline. You can track your repair status online if you use one of Access Auto Insurance’s preferred shops in its network.

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Access Auto Insurance: Overview

State availability: 2
Founded in: 1975
Coverage policies: Auto

Founded in 1975, Access Auto Insurance sells car insurance in two U.S. states–Arizona and Indiana. The agency offers coverage to all drivers, including individuals with a driver’s license from any U.S. state, temporary license, or suspended license, foreign drivers with licenses from other countries, and high-risk drivers.

Access Auto Insurance headquarters is located in Downers Grove, Illinois.

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Access Auto Insurance Costs And Discounts

Insurance rates can vary widely between individuals and is based on different factors, including:

• The ZIP code where the vehicle is garaged
• Age, gender, and marital status 
• The year, make, and model of the vehicle
• The insured person’s driving record, insurance history, etc.

We recommend getting a quote from Access Auto Insurance to see how much an insurance policy from this company will cost you.

If you only want basic, state-minimum liability coverage, Access Auto Insurance has pretty decent rates. However, they do charge an additional agency fee, so make sure to ask about that when you’re getting a quote.

Below are a few average estimates for Arizona and Indiana drivers to compare who offers the cheapest car insurance in the two states.

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Cheapest Car Insurance Estimates For Adult Drivers In Arizona

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Cheapest Car Insurance Estimates For Adult Drivers In Indiana

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Cheapest Car Insurance Estimates For Young Drivers In Arizona

The national average for drivers age 16 is around $8,261 per year. Most well-known insurance providers provide rates far below this average for young drivers in Arizona. In fact, the providers on our list below offer rates that fall below Arizona’s statewide average of $7,435 per year.

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Cheapest Car Insurance Estimates For Young Drivers in Indiana

Indiana teen drivers who are 16 years old pay far less than the national average of $8,261 per year for full-coverage car insurance. Drivers may be able to save even more by choosing one of the companies below, each of which offered us quotes below Indiana’s statewide average of $5,412 per year for full-coverage car insurance: 

These estimates are based on drivers with a clean driving record and good credit. Your own rates will be determined by a number of factors, including your age, ZIP code, driving record, credit score, and more.

Access Auto Insurance Discounts

Access Auto Insurance does not provide any online information on insurance discounts available to its customers, which is unusual for an insurance agency. Many people rely on discounts such as multi-car or anti-theft discounts to bring down their premiums. Make sure to ask an agent when you reach out for a quote.

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Access Auto Insurance Coverage Options

Access Auto Insurance offers the following coverage options:

Liability Coverage

If you cause an accident, your liability insurance coverage will pay for injuries and property damage to others, up to the specified limits. Almost every state in the U.S. requires its drivers to have at least state-minimum bodily injury (BI) liability coverage and property damage (PD) liability coverage.

In Arizona, the state minimum coverage is $25,000 for injuries per person, $50,000 in total BI coverage for an accident, and $15,000 for property damage per accident.

In Indiana, the state minimum coverage is $25,000 for injuries per injured person, $50,000 in total BI for an accident, and $25,000 for property damage per accident.

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Full-Coverage Insurance

At Access Auto Insurance, full-coverage insurance for your car will generally include state-minimum liability coverage plus collision and comprehensive coverage to protect your own car in the event of an accident.

Collision and comprehensive coverage will pay for damages to your car up to the actual cash value of the car, minus your deductible. While collision coverage applies if you are in an accident with another car or an object, comprehensive coverage provides protection for non-collision damages like theft, vandalism, or a falling object, such as a tree.

These types of insurance are not required by the state, but your lender will require you to buy them if you have a car loan. Also, while most mainstream insurance providers extend the collision/comprehensive coverage on your personal policy to rental cars for personal use, Access Auto Insurance clearly states that its coverage will not cover rental cars.

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Medical Payments

Medical payments is an optional coverage that will pay for your injuries up to a specified limit if you are in an accident.

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Uninsured/Underinsured Motorist

Uninsured motorist coverage will cover your medical expenses or property damage repairs up to a limit if an uninsured person is responsible for the accident.

Underinsured motorist coverage will pay for your injuries or car repairs if the accident was caused by the other party, and they don’t have enough insurance coverage to pay for the expenses.

While uninsured and underinsured motorist coverages are not legally required in Indiana and Arizona, insurance companies have to offer these coverages to customers. If you don’t want them, you can reject it in writing.

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Roadside Assistance

Roadside assistance coverage from Access Auto Insurance will pay up to $100 per event and a maximum of two events per policy term for emergency roadside services that include towing, battery jumpstart, and gas delivery.

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Rental Reimbursement

Rental reimbursement coverage from Access Auto Insurance is an optional add-on that will pay $25 per day for a maximum of 30 days for a rental vehicle if your car is in the shop for covered repairs.

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SR-22

Access Auto Insurance can help you with your SR-22 filing if you have a DUI or moving violations on your record and are required by the state to carry this certificate for a specified period of time. It is important to remember that SR-22 is not insurance but proof of insurance and is linked with a driver and not a vehicle. You will still need to buy additional car insurance with an SR-22.

However, if you don’t own a car and are buying a non-owner’s SR-22 from Access Auto Insurance, then this generally comes with state-minimum bodily injury liability coverage and property damage liability coverage. It will not include collision coverage.

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How To Get An Access Auto Insurance Quote

If you plan to buy your car insurance from Access, you have three options to get a free, no-obligation quote–online, over the phone, and in-person at any of the nine physical stores in Arizona or four in Indiana. Access Auto Insurance has an online tool that will help you find your nearest location.

Access Auto Insurance promises instant coverage. If you purchase a policy online, you will be able to download your insurance ID card directly to your device. If you buy insurance over the phone, you will receive your insurance ID in your email. If you buy your insurance at an Access Auto Insurance store, the agent will give you the card directly.

For a simpler process, use this quick tool below to get matched with the best coverage and rates in your area:

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Access Insurance Apps And Technology

If you like to have the option of paying your bills online or being able to set up automatic payments, Access Auto Insurance offers both these features. However, it doesn’t have a mobile app, which can seem like a disadvantage to tech-oriented customers.

Access Auto Insurance also currently doesn’t have an online tool to help customers search for preferred repair shops in their area. You will have to talk to your agent or an Access Auto Insurance representative to know if your closest preferred repair shop would be covered.

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Access Auto Insurance: Our Take

If you are a high-risk driver in Arizona or Indiana and find it hard to get affordable car insurance elsewhere because of your non-standard status, you could consider getting a quote from Access Auto Insurance. The company offers coverage for drivers with restricted licenses and has good insurance claims reviews. Access could also be a good option if you like working with an insurance agent instead of buying your policy online and don’t mind paying the additional agency fee.

However, if you expect to move out of state, would like the flexibility of having an app to manage your policies from your phone, or would like to go with a more mainstream insurance company that has a good reputation in the industry and executes its own policies, our recent car insurance company review would be a good place to start your insurance shopping.

Other Top Car Insurance Companies

We researched over 30 insurance providers on things like cost, coverage, reputation, financial stability, etc. and narrowed it down to the five best car insurance companies.

Geico: Best For Basic Coverage

Geico boasts an A++ rating from AM Best for financial stability, a wide range of coverage options and add-ons, and hefty policy discounts. The company also offers decent customer service, and is a good choice for both basic coverage and select atypical coverage options, such as mechanical breakdown insurance.

Read more in our Geico auto insurance review.

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Progressive: Best For Usage-Based Insurance

With an A+ rating from AM Best for financial stability, Progressive car insurance has been a trendsetter in the insurance industry since 1937. In addition to standard auto insurance coverages and optional add-ons, Progressive also sells other insurance products like home and renters insurance that can be bundled along with an auto policy for a discount. In general, its rates are pretty competitive, and it has a large amount of offerings that can help bring down your premiums.

Read more in our Progressive auto insurance review.

Use our free quote tool below or call our team at the provided phone number to start comparing personalized car insurance quotes:

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Access Auto Insurance: FAQ

In the section below, we answer some of the questions drivers ask most often about Access Auto Insurance:

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How We Rated Access Auto Insurance

Our review team extensively researches auto insurance providers to deliver informed and unbiased assessments of leading companies. We evaluate several key rating factors that are important to consumers to determine which providers are the best in the industry:

• Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
• Availability: Insurance companies that offer wider availability to consumers in terms of state availability and few eligibility requirements are more likely to meet consumer needs.
• Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
• Pricing: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
• Service: We comb through customer reviews on sites like the Better Business Bureau (BBB) to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer a smooth experience.
• Technology: Providers with an online quote tool, easy-to-use claims app and a usage-based insurance app score best in this category.

*Data accurate at time of publication.

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