American Access Casualty Company review (2025)
American Access Casualty Company offers non-standard car insurance to people in Illinois, Indiana, Nevada, Arizona, and Texas. American Access Casualty Company has non-standard car insurance products that are geared specifically toward the Hispanic community and may be a great fit for individuals who are considered high-risk drivers.
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Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications. As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simpl...
Licensed Insurance Agent
UPDATED: Feb 17, 2025
It’s all about you. We want to help you make the right car insurance coverage choices.
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Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Feb 17, 2025
It’s all about you. We want to help you make the right car insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- AM Best Rating: NR
- Monthly Rates From: $89-$279
- Types of Coverage: Aircraft, Auto, Commercial Auto, Earthquake, Flood, Homeowners
- Customer Service & Claims Number: 630-645-7755
If you are on the hunt for car insurance, you may want to look into the American Access Casualty Company. American Access Casualty Insurance offers car insurance coverage for people who need same-day coverage, SR-22 insurance, or who have been driving for a while without car insurance.
Based on the company’s website, American Access Insurance products are affordable and hassle-free for most clients. American Access Casualty’s non-standard car insurance products are geared specifically toward the Hispanic community and may be a great fit for individuals who are considered high-risk drivers.
As you search for high-risk car insurance, you need to shop around online and compare quotes from several different car insurance companies. This will help you find better rates on non-standard coverage, and it will also allow you to find the coverage you need.
You can use our free quote tool above to find and compare car insurance rates from top companies in your area today.
American Access Casualty Company Insurance Average Monthly Rates vs U.S. Average
| Coverage Type | American Access Casualty Company | U.S. Average |
|---|---|---|
| Full Coverage | $279 | $119 |
| Minimum Coverage | $89 | $45 |
American Access Casualty Company Car Insurance Costs
Car insurance costs are a significant consideration for anyone seeking coverage. American Access Casualty Company specializes in providing non-standard car insurance, particularly tailored for high-risk drivers. Here are factors that influence the cost of car insurance from American Access and what you should keep in mind when exploring your coverage options.
- Driving History: Your past driving record plays a significant role in determining your car insurance premiums. If you have a history of accidents, traffic violations, or lapses in coverage, you may be considered a high-risk driver, leading to higher rates.
- Location: Where you live can impact your insurance costs. Urban areas often have higher rates due to increased traffic and a greater risk of accidents. Additionally, states have varying insurance requirements and regulations that affect pricing.
- Coverage Needs: The type and amount of coverage you choose will also affect costs. Basic liability coverage is generally less expensive than comprehensive coverage which includes additional protection for your vehicle.
- Vehicle Type: The make and model of your vehicle can influence your insurance costs. High-performance or luxury cars typically come with higher premiums.
- Age and Gender: Younger and less experienced drivers tend to have higher premiums. Additionally, some insurance companies may consider gender when determining rates.
- Discounts: Many insurers, including American Access, offer discounts for safe driving, bundling policies, and more. Taking advantage of these discounts can help reduce your costs.
- Credit History: Some states consider your credit score when setting insurance rates. Maintaining a good credit score can lead to lower premiums.
American Access Casualty Company offers non-standard car insurance to individuals in specific states, often targeting high-risk drivers. When it comes to the cost of coverage, it’s essential to consider these influencing factors.
To get an accurate quote for your car insurance needs, it’s recommended to contact American Access directly, providing them with your specific details to receive a personalized rate that matches your unique circumstances.
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Coverage Options With American Access Casualty Company
When selecting car insurance, having a comprehensive understanding of coverage options is essential. American Access Casualty Company specializes in offering non-standard car insurance to cater to the unique needs of high-risk drivers. While the specific coverage options may vary, it’s crucial to explore the types of coverage typically available through American Access Casualty Company.
American Access Casualty Company primarily serves high-risk drivers, and as such, they offer coverage options that align with the needs of this demographic. While the company’s website does not specify the exact types of coverage, it emphasizes providing non-standard auto insurance for clients considered high-risk. Non-standard auto insurance often includes liability coverage that helps policyholders meet their state’s auto insurance requirements for legal driving.
It is essential for drivers in states where American Access operates, such as Illinois, Indiana, Nevada, Arizona, and Texas, to explore the coverage options that best suit their needs. To gain a deeper understanding of the available coverage, visiting the American Access Casualty Company website or contacting their agents for a personalized quote is recommended.
American Access Casualty Company offers non-standard car insurance tailored for high-risk drivers. While the specific coverage options are not detailed in the provided information, it’s clear that their focus is on providing insurance solutions that help policyholders meet state requirements for legal driving.
For individuals residing in the states served by American Access, it’s important to explore the coverage options and speak with company representatives to determine the most suitable coverage for their unique circumstances.
Penalties for Driving Uninsured by State
| State | First Offense | Second Offense |
|---|---|---|
| Alabama | Fine up to $500; $200 reinstatement fee | Fine up to $1,000; six-month license suspension; $400 fee |
| Alaska | License suspension for 90 days | License suspension for one year |
| Arizona | Fine: $500+; three-month suspension | Fine: $750+; six-month suspension |
| Arkansas | Fine: $50-$250; suspended registration, $20 reinstatement | Fine: $250-$500; suspended registration, $20 fee |
| California | Fine: $100-$200; possible impoundment | Fine: $200-$500; possible impoundment |
| Colorado | $500 fine; 4 license points; suspension until insured | $1,000 fine; 4-month suspension |
| Connecticut | Fine: $100-$1,000; one-month suspension, $175 fee | Fine: $100-$1,000; six-month suspension, $175 fee |
| Delaware | Fine: $1,500; six-month suspension | Fine: $3,000; six-month suspension |
| Florida | Suspension until fee paid; $150 reinstatement | Suspension until fee paid; $250 reinstatement |
| Georgia | Suspended registration; $25 lapse + $60 reinstatement fee | Same penalties within five years |
| Hawaii | Fine: $500 or community service; 3-month suspension | Fine: $1,500; one-year suspension |
| Idaho | Fine: $75; suspension until proof | Fine: $1,000; suspension until proof |
| Illinois | Fine: $500+; plate suspension until $100 fee paid | Fine: $1,000+; plate suspension for four months |
| Indiana | License/registration suspension 90 days to one year | One-year suspension within three years |
| Iowa | Fine: $500 if in accident; $250 otherwise | X |
| Kansas | Fine: $300-$1,000; suspension; $100 fee | Fine: $800-$2,500; suspension; up to $300 fee |
| Kentucky | Fine: $500-$1,000; one-year revocation | Fine: $1,000-$2,500; one-year revocation |
| Louisiana | Fine: $500-$1,000; registration revoked in an accident | X |
| Maine | Fine: $100-$500; suspension until proof | X |
| Maryland | Lose plates/registration; uninsured fees apply | X |
| Massachusetts | Fine: $500-$5,000; up to one year in jail | One-year suspension within six years |
| Michigan | Fine: $200-$500; 30-day suspension, $25 fee | X |
| Minnesota | Fine: $200-$1,000; license/registration revoked 12 months | X |
| Mississippi | Fine: $1,000; one-year suspension | X |
| Missouri | Four license points; suspension until proof, $20 fee | 90-day suspension; $200 fee |
| Montana | Fine: $250-$500; up to 10 days in jail | Fine: $350; 10 days in jail |
| Nebraska | License/registration suspension; $50 reinstatement | X |
| Nevada | Fine: $250-$1,000; suspension until fee paid | Fine: $500-$1,000; suspension until fee paid |
| New Hampshire | No mandatory insurance; SR-22 may be required | X |
| New Jersey | Fine: $300-$1,000; one-year suspension | Fine: up to $5,000; two-year suspension, jail |
| New Mexico | Fine: up to $300; 90 days in jail; suspension | X |
| New York | Fine: up to $1,500; one-year suspension | X |
| North Carolina | Fine: $50; registration suspension; $50 fee | Fine: $100; registration suspension; $50 fee |
| North Dakota | Fine: up to $1,500; 14 license points; proof required | Fine: up to $1,500; 14 points; plate impoundment |
| Ohio | License/plate suspension until $100 fee paid | One-year suspension; $300 reinstatement |
| Oklahoma | Fine: $250; up to 30 days in jail; $275 reinstatement fee | X |
| Oregon | Fine: $130-$1,000; possible one-year suspension | X |
| Pennsylvania | Registration suspended three months; $88 fee | X |
| Rhode Island | Fine: $100-$500; three-month suspension | Fine: $500; six-month suspension |
| South Carolina | Fine: $100-$200; 30-day suspension; $200 reinstatement | Fine: $200; 30-day jail possible; $200 fee |
| South Dakota | Fine: $100; 30-day suspension; SR-22 required | X |
| Tennessee | $25 coverage failure fee; $100 fee if unpaid | X |
| Texas | Fine: $175-$350; $250 yearly surcharge | Fine: $350-$1,000; two-year suspension |
| Utah | Fine: $400; suspension until proof, $100 fee | Fine: $1,000 within 3 years; suspension until proof |
| Vermont | Fine: up to $500; license suspended until proof | X |
| Virginia | Pay $500 uninsured fee or lose all privileges | X |
| Washington | Fine: up to $250 | X |
| West Virginia | Fine: $200-$5,000; 30-day suspension | Fine: $200-$5,000; up to one year in jail |
| Wisconsin | Fine: up to $500 | X |
| Wyoming | Fine: up to $750; up to six months in jail | X |
Read more:
- American Access Casualty Company Car Insurance Review
- How many points to suspend a license in New York?
- Best Cheap SR-22 Coverage Car Insurance Company
- Can the police impound your car for no insurance?
Discounts With American Access Casualty Company
One of the factors that can significantly impact your car insurance costs is the availability of discounts. American Access Casualty Company, specializing in non-standard car insurance for high-risk drivers, may offer various discounts to help policyholders save on their premiums. Understanding these potential discounts can be crucial in securing affordable coverage.
While specific discount offerings from American Access Casualty Company are not detailed in the available information, it’s common for insurance providers to offer a range of discounts that can help lower insurance costs. These discounts can include:
- Multi-Policy Discount
- Safe Driver Discount
- Good Student Discount
- Defensive Driving Course Discount
- Multi-Car Discount
- Pay-in-Full Discount
- Discounts for Vehicle Safety Features
- Loyalty Discounts
While the specific discounts offered by American Access Casualty Company are not listed in the provided information, policyholders should inquire about available discounts when obtaining a quote or policy. Discounts can play a significant role in reducing the cost of insurance coverage, making it important for high-risk drivers in states served by American Access to explore these potential savings opportunities.
Monthly Liability Rates by State
| States | Monthly Liability Rates |
|---|---|
| Alabama | $37 |
| Alaska | $47 |
| Arizona | $48 |
| Arkansas | $36 |
| California | $45 |
| Colorado | $49 |
| Connecticut | $59 |
| Delaware | $69 |
| District of Columbia | $58 |
| Florida | $76 |
| Georgia | $55 |
| Hawaii | $39 |
| Idaho | $32 |
| Illinois | $40 |
| Indiana | $34 |
| Iowa | $27 |
| Kansas | $32 |
| Kentucky | $47 |
| Louisiana | $73 |
| Maine | $30 |
| Maryland | $55 |
| Massachusetts | $52 |
| Michigan | $72 |
| Minnesota | $39 |
| Mississippi | $41 |
| Missouri | $38 |
| Montana | $34 |
| Nebraska | $33 |
| Nevada | $64 |
| New Hampshire | $35 |
| New Jersey | $76 |
| New Mexico | $44 |
| New York | $71 |
| North Carolina | $31 |
| North Dakota | $25 |
| Ohio | $35 |
| Oklahoma | $40 |
| Oregon | $53 |
| Pennsylvania | $43 |
| Rhode Island | $68 |
| South Carolina | $50 |
| South Dakota | $26 |
| Tennessee | $37 |
| Texas | $49 |
| Utah | $45 |
| Vermont | $30 |
| Virginia | $38 |
| Washington | $53 |
| West Virginia | $43 |
| Wisconsin | $33 |
| Wyoming | $29 |
| *National Average* | $48 |
American Access Casualty Company Claims Process
Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)
American Access Casualty Company provides multiple convenient options for filing insurance claims, ensuring that policyholders have flexibility in choosing the method that suits them best. You can file a claim through their online portal, over the phone, or by using their mobile app. This accessibility can be particularly valuable during stressful times when immediate assistance is needed.
Average Claim Processing Time
The efficiency of claim processing is a crucial factor for policyholders. American Access Casualty Company aims to streamline the claims process to ensure that customers receive prompt assistance. While specific processing times may vary depending on the nature of the claim and the documentation provided, the company strives to expedite the process to minimize any inconvenience.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback plays a pivotal role in assessing the effectiveness of an insurance company’s claims resolution process. It is essential to gather insights into how American Access Casualty Company handles claims, including whether customers are satisfied with the resolutions and payouts they receive.
This feedback can provide valuable information for potential policyholders seeking assurance in their insurance provider’s reliability.
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American Access Casualty Company Digital and Technological Features
Mobile App Features and Functionality
American Access Casualty Company offers a mobile app that enhances the convenience of managing your insurance policies. The app is equipped with a range of features designed to simplify the insurance experience.
These features may include the ability to view policy details, make payments, access digital insurance cards, and even file claims directly from your mobile device. Evaluating the functionality and user-friendliness of the app is crucial for policyholders who rely on digital tools for their insurance needs.
Online Account Management Capabilities
The company’s online account management capabilities are a key component of their digital services. Policyholders can log in to their accounts on the American Access Casualty Company website to access various features.
These may include updating personal information, reviewing policy documents, making payments, and monitoring claims. Understanding the scope and ease of online account management can help customers make informed decisions about their insurance provider.
Digital Tools and Resources
In an era of digital innovation, insurance companies often offer additional digital tools and resources to assist policyholders.
American Access Casualty Company may provide resources such as educational materials, calculators, and risk assessment tools to help customers make informed decisions about their coverage. Exploring these digital resources can empower policyholders to navigate their insurance needs more effectively.
Does American Access Have Good Ratings and Reviews?
Unfortunately, company ratings for American Access are not very positive. In 2015, A.M. Best downgraded American Access’ financial rating from bb+ (good) to bb (fair). Soon after this rating, American Access requested to withdraw from the financial rating process with A.M. Best.
This type of review does not create a lot of confidence in potential clients, as they may worry about filing a claim and never receiving a payout for covered expenses.
If you need non-standard car insurance, it is a good idea to look at the financial strength ratings and customer reviews of any company you are considering before you make a final decision. This could help you avoid purchasing a policy with a company that is incapable of supporting you when you need it most.
Be sure to use our free quote tool below when you shop around for car insurance coverage in your area today.
History and Mission of American Access Casualty Company
American Access Casualty Company has established itself as a prominent player in the insurance industry, offering specialized non-standard car insurance solutions. The company’s mission revolves around providing accessible and affordable insurance options, particularly tailored for high-risk drivers.
They have been dedicated to serving the needs of their clients in Illinois, Indiana, Nevada, Arizona, and Texas. With a commitment to offering hassle-free coverage, American Access aims to bridge the gap for individuals facing challenges in obtaining car insurance.
Their mission aligns with a dedication to providing insurance products that cater to the Hispanic community and making sure that even high-risk drivers have access to the coverage they need.
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Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications. As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simpl...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.