Is Access Auto Insurance Good for Car Insurance?
Last Updated on January 7, 2026
Access Auto Insurance is a regional, storefront-focused auto insurance brand serving drivers in Indiana and Arizona—especially people who need basic coverage, an SR-22 filing, or help getting insured after a lapse. If you prefer in-person service in neighborhoods like Indianapolis and Phoenix, it can be a practical option to compare alongside other local agencies and carriers.
Access is often a fit for “non-standard” situations (tickets, prior cancellations, or reinstatement requirements). Coverage options typically include liability-only policies, “full coverage” (comprehensive + collision), and SR-22 filings when required by the state.
Our Rating of Access Auto Insurance
3.8
out of 5
★★★★☆
Summary
Bottom line: Access can be a practical choice for Indiana and Arizona drivers who need basic coverage or an SR-22 with in-person help, but you’ll still want to compare quotes and confirm the underwriting carrier and fees before buying.
Access Auto Insurance is a regional brand serving drivers in Indiana and Arizona, with an emphasis on in-person storefront service and helping customers meet state requirements like SR-22 filings for license reinstatement. It’s often positioned for non-standard situations such as tickets, prior cancellations, or coverage lapses, and policies can typically be set up as liability-only or “full coverage” with comprehensive and collision, along with SR-22 and non-owner SR-22 options. Because the issuing carrier on the declarations page may differ from the storefront name, it’s important to verify the underwriting company, required limits, fees, payment options, and cancellation rules before you commit.
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
- Our Rating of 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
- Final Word on Access Auto Insurance
- FAQs on Access Auto Insurance
About Access Auto Insurance
| Access Auto Insurance at a Glance | What to Know |
|---|---|
| Where it operates | Indiana and Arizona only. |
| 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 | Issuing carrier name, required limits, fees, SR-22 filing details, payment options, and cancellation rules. |
What Type of Auto Insurance Does Access Offer?
Access Auto Insurance generally offers the core coverages most drivers shop for, with an emphasis on helping customers meet state requirements—including SR-22 filings for license reinstatement. Like many storefront agencies, the exact coverages, fees, and eligibility rules can vary by 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
Access Auto Insurance is commonly used by drivers who need state-minimum liability coverage and an SR-22 filing. An SR-22 is a form your insurer files with the state to confirm you have active auto liability insurance.
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, Access may offer common add-on coverages. Availability and limits vary by policy and state, so confirm what’s included and what costs extra.
| 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
Access Auto Insurance is BBB accredited and carries an A+ BBB rating in its local profiles. Review volume and complaint details can change over time, so it’s smart to read recent feedback (not just 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 ratings can be complicated for agencies and non-standard brands because the issuing carrier on your declarations page may differ from the storefront name. If financial ratings matter to you, confirm the underwriting company listed on the policy and look up its current rating through the rating agency directly.
Final Word on Access Auto Insurance
Access Auto Insurance can be worth a look if you live in Indiana or Arizona and need a straightforward policy, an SR-22 filing, or hands-on help getting coverage started. It’s also a reasonable option for drivers who prefer storefront service over a fully digital experience.
That said, pricing for higher-risk drivers is unpredictable across the industry, and small differences in your driving record or coverage limits can change quotes dramatically. Compare multiple carriers and agencies, and make sure the quote matches the exact limits you need—especially if you’re reinstating a license.
| Address | 2211 W Butterfield Rd, Ste 150 Downers Grove, IL 60515 |
| Phone Number | 602-922-3595 (Call an Agent) 888-449-0171 (Customer Help) |
| https://www.access-insurance.com/contact-us/ | |
| Website URL | https://www.access-insurance.com/ |
