Is Access Auto Insurance Good for Car Insurance?
Last Updated on October 22, 2026
Access Auto Insurance is now part of Freeway Insurance. That is Freeway’s own wording, and access-insurance.com no longer loads a site of its own — it forwards you to Freeway’s page for the brand. Access was never an insurance company in the first place. It was a chain of walk-in insurance stores in Indiana and Arizona, and Freeway lists “Access Auto Insurance” as one of the brand names it trades under. So you can still walk into those stores and buy a policy, including an SR-22, but the company whose name goes on the policy is some other insurer entirely.
One more thing to clear up before you read on, because the name causes real confusion. A licensed insurer called Access Insurance Company, domiciled in Texas, was ordered into liquidation by a Travis County court on March 13, 2018, and all of its policies were cancelled about a month later. It wrote in Indiana among other states. It is a different business from these storefronts, with a different history. The Access Auto stores were part of a chain of captive insurance agencies that Kemper bought in 2021 along with American Access Casualty Company, and Confie, which owns Freeway, bought that chain from Kemper in April 2026. The liquidation is covered further down.
About Access Auto Insurance
Summary
Bottom line: Access is an agency, it has been folded into Freeway Insurance, and the policy you buy there is underwritten by a company whose name you should ask for before you pay.
Access Auto Insurance ran walk-in insurance stores in Indiana and Arizona, selling policies underwritten by third-party carriers rather than issuing its own. Freeway Insurance now says Access “is now part of Freeway Insurance”, and Freeway’s affiliate disclosure lists Access Auto Insurance among the brand names it operates under. The storefronts are a genuine way for a driver with tickets, a lapse or a reinstatement requirement to get covered quickly, and an agency with a shelf full of carriers can sometimes beat what you would find on your own. What an agency cannot do is stand behind the policy. That is the insurer’s job, so the name on the declarations page is the one that matters for claims, financial strength and complaint history.
Best for
- Drivers in Indiana or Arizona who want in-person storefront service
- People who need an SR-22 filing (including non-owner SR-22)
- Shoppers with lapses, reinstatement needs, or higher-risk histories
Not ideal for
- Drivers outside Indiana and Arizona
- Shoppers who want a fully self-serve, instant online quote experience
- Anyone who doesn’t want to verify underwriting carrier details and fees up front
- About Access Auto Insurance
- About Access Auto Insurance
- What Type of Auto Insurance Does Access Offer?
- Access Auto Insurance’s SR-22 Policies
- Additional Coverage Options Offered by Access Auto Insurance
- Access Auto Insurance Reviews and Complaints
- The Other Access: Access Insurance Company, Liquidated in 2018
- Final Word on Access Auto Insurance
- FAQs on Access Auto Insurance
- Sources
About Access Auto Insurance
| Access Auto Insurance at a Glance | What to Know |
|---|---|
| What it is | An insurance agency brand, not an insurance company. It sells policies underwritten by other carriers. |
| Current status | Part of Freeway Insurance since Confie bought the store chain from Kemper in April 2026. Freeway’s affiliate disclosure lists Access Auto Insurance as one of its brand names, and access-insurance.com forwards to Freeway. |
| Where it operates | Indiana and Arizona. Freeway names Indianapolis, Fort Wayne, Phoenix and Tucson. |
| Best for | State-minimum policies, SR-22 filings, drivers with lapses or higher-risk histories, in-person service. |
| Common policy types | Liability-only, comprehensive/collision (“full coverage”), SR-22 and non-owner SR-22. |
| How you can buy | In-store, by phone, and online (availability varies by policy and state). |
| What to verify before you buy | Which insurer is underwriting the policy, required limits, fees, SR-22 filing details, payment options, and cancellation rules. |
| Not to be confused with | Access Insurance Company, a Texas-domiciled insurer liquidated on March 13, 2018. |
What Type of Auto Insurance Does Access Offer?
Through the Access stores, and now through Freeway, you can buy the core coverages most drivers shop for, with an emphasis on meeting state requirements — including SR-22 filings for license reinstatement. Read the table below as what the agency can arrange for you rather than what Access covers, because the coverage comes from whichever carrier writes your policy. Exact coverages, fees and eligibility rules vary by carrier, state, vehicle and driving record.
Coverage Options You Can Typically Buy Through Access
| Coverage | What It Does | Who It’s For |
|---|---|---|
| Liability Insurance | Liability insurance pays for injuries and property damage you cause to others (up to your limits). | Required in nearly every state; commonly chosen at state-minimum limits by budget-focused drivers in Indiana and Arizona. |
| Uninsured/Underinsured Motorist | This coverage helps pay when a driver with too little (or no) insurance injures you or damages your car (how it applies depends on your state and policy). | Drivers who want added protection beyond liability—especially in areas with higher uninsured-driver risk. |
| Collision | Collision coverage helps pay to repair/replace your car after an at-fault crash or a crash with another vehicle/object (subject to your deductible). | Often required by lenders/lessors; helpful for newer or financed vehicles. |
| Comprehensive | Comprehensive coverage helps with non-collision losses like weather-related damage, vandalism, theft, or animal collisions (subject to your deductible). | Drivers who want protection beyond crashes—often paired with collision as “full coverage.” |
| SR-22 Filing | An SR-22 is a state-required filing that proves you carry the required liability insurance for a set period. | Drivers reinstating a license after certain violations or insurance-related suspensions. |
| Non-Owner SR-22 | A policy designed for drivers who need an SR-22 but don’t own a vehicle (liability coverage for driving non-owned cars, when applicable). | Drivers who need to reinstate a suspended license without owning a car. |
Quick tip: If you’re required to carry an SR-22, the biggest “gotcha” is a lapse. A missed payment or cancellation can trigger a notice to the state and put your license back at risk—set up reminders and confirm the SR-22 filing is active.
Access Auto Insurance’s SR-22 Policies
Drivers who need state-minimum liability coverage and an SR-22 filing are the core of this business. An SR-22 is a form your insurer files with the state to confirm you have active auto liability insurance. The agency arranges it; the insurer files it. Freeway sells SR-22 filings as well, and says its agents make sure the filing is submitted to the state, so that part of the business carries over.
SR-22 requirements are usually tied to serious or repeated violations, such as a DUI/DWI, being cited for driving without proof of insurance, or a reckless driving violation (and sometimes multiple major tickets). The state sets the filing period, and insurers typically classify SR-22 drivers as higher-risk, which can increase premiums.
A non-owner SR-22 is for drivers who need the filing but don’t own a vehicle. It can help you meet reinstatement requirements while you’re between cars—though it won’t cover a vehicle you own or have regular access to.
When you buy a policy, you’ll typically request the SR-22 as part of setup. After that, most of the ongoing responsibility is simply keeping the policy active and paying on time so the filing stays in force during your required period.
Additional Coverage Options Offered by Access Auto Insurance
Beyond core coverages like liability, comprehensive and collision, the carriers an agency like this represents offer the usual add-on coverages. Which ones you can actually get depends on the carrier you end up with, so confirm what is included and what costs extra on your specific quote.
| Add-On | What It Usually Covers | What to Ask Before Buying |
|---|---|---|
| Roadside Assistance | Common services like towing, jump-starts, lockouts, and fuel delivery. | Per-event limits, how many uses per term, and whether towing is to the nearest shop or a mileage cap. (See roadside assistance coverage details.) |
| Rental Car Reimbursement | A daily allowance for a rental car when your vehicle is in the shop after a covered claim. | Daily cap, maximum days, and whether it applies for both comprehensive and collision claims. (More on rental reimbursement coverage.) |
| Pet Coverage (if offered) | Some agencies allow optional pet-related coverage through a third-party program. | Who administers it, what injuries/expenses are covered, exclusions, and whether it’s tied to a claim. (Related: pet coverage under auto insurance.) |
Compared with large national carriers, some storefront-focused agencies may put less emphasis on “perk” features and more on getting coverage issued quickly. Programs like accident forgiveness and app-based telematics discounts tend to be more common with bigger insurers, but offerings can vary—so ask what’s available on your specific quote.
Discount eligibility can also vary. If you’re shopping, it’s worth asking whether you qualify for common savings such as a good student discount, a good driver discount, multi-vehicle discounts, pay-in-full discounts, or proof-of-prior-coverage discounts.
Access Auto Insurance Reviews and Complaints
The BBB listings for this brand are filed under the alternate name Access Insurance Agency of Indiana, LLC. The Indianapolis storefront profile shows an A+ rating and BBB accreditation since December 31, 2018, and the corporate profile for the Downers Grove, Illinois office shows the same A+ rating without accreditation, both checked October 5, 2026. Neither profile mentions Freeway, and the corporate one still lists the old access-insurance.com website, so read them as a record of the business before the sale. Look up the Freeway office you would actually walk into as well, and separately the insurer that will write the policy. Read recent feedback rather than star averages, and watch for patterns around billing, cancellations and claims handling.
In addition to the BBB, third-party review platforms like Trustpilot can provide insight into how customers feel about service and pricing. Treat online reviews as directional—focus on repeated themes and whether the company’s responses show a consistent resolution process.
Financial strength is where the agency-versus-insurer distinction stops being academic. An agency has no financial strength rating, because it is not the one who pays your claim. The company on your declarations page does. Get that name, look up its current rating with the rating agency directly, and check its complaint record with your state insurance department. The 2018 liquidation of a Texas insurer that shared this brand’s name is a decent argument for doing it.
The Other Access: Access Insurance Company, Liquidated in 2018
If you searched for Access auto insurance and found talk of a shutdown, this is what you found. Access Insurance Company was a Texas-domiciled insurer, and the District Court of Travis County, Texas ordered it into liquidation on March 13, 2018. Liquidation is a court-supervised wind-up run by the state, and it ends the policies. The Nevada guaranty association’s notice says policies were terminated and cancelled 30 days from the date of liquidation, which is roughly April 12, 2018.
The California Department of Insurance put out a release the same month telling Access policyholders in that state to find new coverage now: “All policies will be terminated by April 12,” and consumers were “urged to shop for replacement coverage immediately.” Claims and unearned premium went to the state guaranty associations. Indiana’s guaranty association posted its own notice, so the company wrote business in Indiana too.
These storefronts are a separate line of business. They came up through American Access Casualty Company, the specialty auto insurer Kemper bought in 2021 along with its captive agency chain, and Kemper sold that chain to Confie in April 2026. Nothing we read ties them to the Texas insurer, and the matching name looks like a coincidence. If you held an Access Insurance Company policy, your coverage ended in 2018 and anything still outstanding goes through your state property and casualty guaranty association.
Final Word on Access Auto Insurance
Access can still be worth a look if you live in Indiana or Arizona and want a straightforward policy, an SR-22 filing, or hands-on help getting covered. Walking into an office and leaving with proof of insurance is a real advantage when your license is on the line. Just go in knowing you are dealing with an agency that is now part of Freeway Insurance, and that the policy will be issued by someone else.
Pricing for higher-risk drivers is unpredictable across the industry, and small differences in your record or your limits can change a quote dramatically. Compare more than one agency, and make sure each quote matches the exact limits you need, especially if you are reinstating a license.
My advice on any walk-in insurance office, Access or otherwise: ask one question before you hand over a card. “Which insurance company is writing this policy?” A good agent answers it in two seconds and shows you where it says so. If you get a brand name back instead of a company name, or a shrug, that tells you something about how the rest of the relationship will go.
| Where Access lives now | freeway.com/affiliate/access-auto-insurance — store locations and contact details are on Freeway’s site |
| Old website | access-insurance.com now forwards to the Freeway page above, and the old Access site no longer has pages of its own. |
| Phone and mailing address | Older listings, including the company’s corporate BBB profile, still show phone numbers and a Downers Grove, Illinois address for Access. Those belong to the head office from before the sale to Confie and won’t reach anyone today. Use the contact details on Freeway’s page or walk into a local office. |
FAQs on Access Auto Insurance
Sources
Checked October 5, 2026
- Freeway Insurance — Access Auto Insurance
- Freeway Insurance — Affiliate Disclosure
- California Department of Insurance — Release 032-18
- PR Newswire — Confie’s Announcement of April 21, 2026
- Business Wire — Kemper’s Completion Release of April 1, 2021
- Confie — Home Page
- Better Business Bureau — Indianapolis Storefront Profile
- Better Business Bureau — Downers Grove, Illinois Corporate Profile
- Nevada Insurance Guaranty Association — Insolvency Notice
- Indiana Insurance Guaranty Association — Notice
