Access Auto Insurance review (2025)

Access Auto Insurance may not go down in the history of car insurance as the greatest car insurance company, but it should not be overlooked while you shop for insurance coverage.

Access Auto has been in the insurance business for four decades. It doesn’t offer much in the way of bells and whistles, but if you live in one of the states where it provides coverage, an Access Auto insurance policy will keep you adequately protected while you’re out on the road.

To make the best insurance-buying decision for your needs, keep reading to discover more what an Access Auto insurance payment could look like for you and what types of coverages this company has to offer.

As you read about Access Auto Insurance, you can begin searching for car insurance. Enter your ZIP code to receive free insurance quotes today.

Who is Access Auto Insurance?

Founded in 1975, Access Auto sells car insurance policies in five states:

• Arizona
• Illinois
• Indiana
• Nevada
• Texas

If you live in a state outside of Access Insurance’s coverage area, you can always shop online to find car insurance companies that provide coverage where you live. In addition, drivers who purchase an Access Auto car insurance policy can use their Access Auto account login to review their policies and make payments online.

Is Access Auto Insurance highly rated?

Access Auto Insurance has a B+ rating from A.M. Best. This rating may suggest that Access Auto Insurance may not be as financially secure as other companies.

On the other hand, if you are looking for a company that can provide you with excellent customer service, you’ll be pleased to know Access Auto Insurance is a Better Business Bureau accredited company and has an A+ rating. Its customer rating on the BBB website received a maximum of five solid stars.

What coverages does Access Auto Insurance offer?

The coverage provided by an Access Auto Insurance policy is basic. The coverage doesn’t offer much in the way of customization but provides the legal insurance requirements. You can review the company’s coverages here:

Does Access Auto Insurance offer competitive rates?

Purchasing insurance through Access Auto may not be a wise choice for drivers on a budget. Your Access Auto Insurance payment could be, on average, $4,916 per year for full coverage insurance. This rate is steeper than what you would find with most other insurance companies, as you can see here:

Remember, no two drivers pay the same rate. Car insurance companies use an underwriting process to determine your rate. When shopping for quotes online, you’ll need to provide information about yourself and your car, which can include:

• Your name
• Your address
• Your car’s make and model
• Your car’s mileage
• How much you drive in a year
• Your driver’s license number
• The year you got your license

Using statistics and running a check on your driving history, an insurance company determines how much risk you pose and then provides your unique rate. If you are curious about your insurance rate with Access Auto, you can use Access Auto’s online quote tool or call the Access Auto Insurance phone number to speak with an agent.

How can drivers keep insurance rates low?

You should always review your quotes carefully to see which insurance companies can get you the most coverage at the lowest rate as you shop for insurance online. Thankfully, as you can see in the chart below, most major insurance companies offer discounts so you can reduce your rates:

Car Insurance Discounts by Company

Practicing safe driving habits, like stopping at stop signs and not tail-gating, can help keep your rates low. The more pristine your driving history is, the lower your rates will become over time.

What You Need to Know About Access Auto Insurance

Access Auto Insurance has the coverage you need to drive and remain protected. However, you may want to consider working with an insurance company that can provide you with a home and car bundle discount if you own your own home. It is also important to remember that additional coverages like GAP insurance are not available through Access Auto.

Since Access Auto provides coverage in certain states, you may need to shop online to find an insurance company that can get you the coverage you need to protect yourself and your vehicle.

Now that you’ve read this thorough review about Access Auto Insurance, you can feel confident to start shopping for a car insurance policy. Enter your ZIP code to start comparing free quotes from insurance companies near you.