Is American Access Good for Auto Insurance?

Last Updated on October 22, 2026

By James Shaffer · Reviewed by Thomas Rockford, insurance industry executive and financial analyst, on October 22, 2026 · How we fact-check

American Access Casualty Company is a Chicago-area insurance company specializing in car insurance.

Acquired by Kemper in 2020, American Access Casualty Company markets itself specifically to the Hispanic community, including high-risk drivers or drivers with non-standard insurance needs within the Hispanic community.

Is American Access a good insurance company? Should you buy car insurance through American Access? Keep reading to discover everything you need to know about American Access’s auto insurance products and services.

What Is American Access?

American Access is a car insurance company founded in 1999. Also known as American Access Casualty Company (AACC), the company was launched with the goal of offering quality, non-standard private passenger automobile insurance to customers across Illinois.

The company markets itself specifically to the Hispanic community.

Since being incorporated in Illinois in December 1999, American Access has expanded to offer car insurance in Indiana, Nevada, Arizona, and Texas. Its own website now presents the business under the Kemper Auto name and describes it as auto insurance directed toward the Hispanic community, with affordable premiums, low down payments, same-day insurance, installment plans, SR-22 filings, and acceptance of Mexican, international and no driver’s licenses as the selling points; its history page has been taken down and the company’s about page now goes to Kemper’s.

American Access is headquartered in Downers Grove, Illinois.

In 2020, Kemper Corporation announced the acquisition of American Access Casualty Co. Today, American Access is a subsidiary of Kemper.

American Access Insurance Products & Services

American Access specializes in one type of insurance: car insurance. Unlike other insurance companies, American Access does not provide life insurance, home insurance, umbrella insurance, or other products.

American Access offers car insurance in Arizona, Illinois, Indiana, and Texas.

The full list of insurance products available through American Access includes:

Auto Insurance: American Access sells auto insurance policies to meet non-standard needs in its four covered states. You can buy high-risk auto insurance, SR-22 insurance, minimum liability plans, full coverage car insurance, and other unique options from American Access in Arizona, Illinois, Indiana, and Texas.

How Does American Access Auto Insurance Work?

American Access’s auto insurance can meet or exceed minimum requirements in your state. The company is best known for providing non-standard auto insurance, including high-risk insurance and SR-22 insurance. However, drivers with all different backgrounds and needs can buy auto insurance through American Access.

Auto insurance options available through American Access include:

Liability Coverage: You can buy bodily injury and property damage liability coverage through American Access. Most states require these coverages, and they protect you from liability if you cause damage to someone else (or their property) while driving.

Medical Payments Coverage: Required in some states but not others, medical payments coverage provides coverage for injuries sustained by the driver and passengers in your car up to your policy limit. It also covers your medical bills if you are hit by a vehicle as a pedestrian.

Uninsured Motorist Coverage: American Access provides uninsured motorist coverage, including uninsured motorist property damage coverage. If you are injured, or your vehicle is damaged by someone who does not have insurance, then your uninsured motorist coverage will protect you.

Comprehensive Coverage: American Access’s comprehensive coverage protects your vehicle when damaged by something other than a collision, including fire damage, collisions with animals, vehicle theft, vandalism, and more.

Collision Coverage: Collision coverage covers repairing or replacing your vehicle after a collision with another vehicle or object.

Rental Reimbursement Coverage: American Access’s rental reimbursement coverage pays a set amount toward a rental car when you need one because of a collision loss your policy covers.

SR-22 Insurance: Certain states require SR-22 certificates to verify financial responsibility. If you require SR-22 insurance in any of American Access’s covered states, you can get that SR-22 insurance through AACC.

Roadside Assistance Coverage: American Access’s roadside assistance coverage reimburses you for towing your vehicle to the nearest facility, up to the dollar amount you buy on the policy.

What Makes American Access Auto Insurance Unique?

Drivers in Illinois and other states have plenty of options for car insurance. Why pick American Access? What unique advantages does American Access have over the competition?

American Access has several features that distinguish itself from competing companies, including:

High-Risk Auto Insurance: If you cannot buy car insurance through the ordinary marketplace in your state, then you may be able to buy a high-risk auto insurance policy through American Access. The company specializes in non-standard auto insurance, covering drivers who cannot obtain insurance through other providers.

SR-22 Coverage: Some states require SR-22 insurance as proof of financial responsibility. You can buy SR-22 coverage through American Access, and the company will submit the SR-22 to the DMV on your behalf to reinstate your driving privileges.

Marketed to the Hispanic Community: American Access markets itself specifically to Hispanic drivers, and most of the company’s policyholders are part of the Hispanic community.

Non-Standard Auto Insurance: If you have unique insurance needs that standard auto insurance providers cannot meet, then American Access is worth a quote. The company specializes in insuring alternative vehicles, high-risk drivers, drivers who need SR-22 certificates, and other drivers with non-standard insurance needs.

American Access Auto Insurance Discounts

American Access does not publish its list of auto insurance discounts upfront. As a high-risk, non-standard auto insurance company, American Access specializes mostly in providing drivers with minimum liability insurance at the cheapest possible rate.

Ask the agent whether any of these common discounts apply to your policy:

Safe Driving Discounts: Drivers with a safe driving record will pay cheaper rates with American Access. If you have three to seven years of driving history with no accidents, speeding tickets, or other incidents, then you could qualify for a safe driving discount.

Multi-Vehicle Discount: American Access only sells auto insurance, so the company does not offer bundling discounts (say, for bundling home and auto insurance). However, you may be able to save by bundling multiple vehicles together under one policy.

Vehicle Safety Feature Discount: If you drive a safe vehicle with strong crash safety ratings, you can save on insurance. Vehicles with solid safety ratings tend to have lower insurance premiums than others.

Cheap SR-22 Insurance: SR-22 insurance will never be cheap. However, relative to other SR-22 insurance providers, American Access may offer cheaper-than-average SR-22 insurance rates in Arizona, Indiana, Illinois, and Texas.

American Access Ratings & Reviews: What Do Customers Have to Say?

American Access is a small insurance company with few ratings or reviews from major insurance bodies.

As of this review’s 2023 figures, American Access reported admitted assets of $510 million, a policyholder surplus of $97.7 million, and a risk-based capital ratio of 377.39%; the company does not publish current statutory figures on its site, so look it up by name in the NAIC’s Consumer Insurance Search for the latest.

A.M. Best last rated American Access in 2015. A.M. Best gave the company a financial strength rating of B (Fair). From 2015 onward, however, the American Access management team requested to no longer participate in A.M. Best’s rating process.

A.M. Best commented on the organization’s credit ratings following its acquisition by Kemper in 2020. After Kemper acquired American Access in November 2020, A.M. Best confirmed that Kemper’s financial strength ratings were unchanged by the announcement. On September 11, 2026, A.M. Best affirmed the A- (Excellent) financial strength rating of the Kemper Property & Casualty Group’s member companies and revised the outlook to negative. American Access Casualty Company is not one of those companies, so the rating does not apply to it.

American Access has an A+ rating with the Better Business Bureau (BBB), with 178 complaints in the last three years as of 2023.

Review aggregator websites generally have poor ratings for American Access. Consumer Affairs, for example, has given the company a rating of 1.1 stars out of 5 with 190+ customer reviews. Clearsurance has an average rating of 3.70 out of 5, with 70+ customer reviews. And WalletHub has given the company 1.3 stars out of 5 based on 730+ customer reviews.

Final Word on American Access

American Access Casualty Company (AACC) is a Chicago-area insurance company specializing in non-standard auto insurance. The company markets itself specifically to the Hispanic community.

Launched in 1999, American Access was acquired by Kemper in 2020. Today, the company continues to offer non-standard auto insurance at a competitive price to policyholders across Illinois, Indiana, Texas, and Arizona.

My advice, if you’re buying here because a license problem shut the standard market to you, is to ask the agent two questions before the down payment: what the policy does if you’re stopped and the license you showed isn’t recognized in this state, and exactly which installment date cancels the policy if it’s missed. Read the installment, cancellation and reinstatement terms before you pay, because a missed installment on a nonstandard policy can cancel it quickly, and the lapse is what sends the next quote higher, so put the due date on the phone before you leave the office. The numbers on the company’s site today are 630-645-7755 to report a claim, 630-570-7181 for policy questions and 866-219-2176 for roadside assistance.

Sources

Checked October 12, 2026

• American Access Casualty Company — Home
• American Access Casualty Company — Contact Us
• American Access Casualty Company — Auto Insurance Basics
• NAIC — Consumer Insurance Search
• Better Business Bureau — American Access Casualty Company Complaints
• ConsumerAffairs — American Access Casualty Company Reviews
• AM Best — AM Best Revises Outlooks to Negative for Kemper Corporation, Its Affiliates and Subsidiaries, September 11, 2026