Editor’s take: Access auto coverage could be a good choice for high-risk drivers who need to re-insure after a 60-day lapse in coverage. Access’s flexible reinstatement policy may be a benefit to those who are in financial trouble. Limited discounts may be available so access might not be an option for people looking for an SR-22 certification. Drivers with a good driving record or who are looking for strong bundling options and discounts should consider other options.

Get auto insurance at the glance

Only available in Arizona and Indiana

J.D. Power customer satisfaction ratings
Not listed

How do I get an insurance quote
Online, by phone, or through an agent

How do I submit a claim
You can contact us by phone or through an agent


  • There are many options for coverage
  • High-risk drivers and first-timers can get insurance
  • All types of ID are eligible for auto insurance.


  • Only available in Arizona and Indiana
  • A bit awkward claims and quote processes

Access auto insurance

Access Auto Insurance, headquartered in Illinois and established in 1975, offers low-cost auto insurance to drivers in Arizona and Indiana. Affiliates of Access may offer insurance in Illinois and Texas, as well as Nevada. Access provides standard coverage options as well as insurance for high-risk drivers and first-timers (nonstandard options).

Insurance for high risk and first-time drivers

Access provides SR-22 insurance to drivers who are high-risk. This includes those who have been convicted of a DUI/DWI, reckless driving or driving without insurance. SR-22 coverage can be used to prove that a driver has the minimum coverage required in their state.

Access will accept drivers with valid licenses. Access also offers a flexible reinstatement policy, which allows drivers to get their coverage back if they have been without insurance for less than 60 days.

Online quotations might not work

Access auto insurance can be gotten a quote over the phone, by calling an agent, or online. The online quote process can be slow, however. The standard information you will need to fill out is your name, address, vehicle type, and previous coverage history. Access will ask you if there have been traffic violations and if you need an SR-22. Access gave us an error when we attempted to get a quote. You might contact an agent to inquire about coverage.

Inconvenient claims process

You can only file a claim over the phone if you have a policy. Access does not appear to offer a mobile app. You can also manage your policy online but cannot submit a claim through the website.

Auto coverage offered Access

Access highlights the options available to high-risk drivers who are difficult or impossible to insure, such as SR-22 coverage and minimum insurance. Access also offers standard auto insurance options, as well as extras such rental reimbursement and roadside help. Access also offers commercial auto insurance. Here is a quick overview of the Access auto coverage:

  • Full coverage
  • Assistance on the road
  • Bodily injury liability
  • Liability for property damage
  • Collision/comprehensive coverage
  • Coverage for medical payments
  • Uninsured/underinsured motorist coverage
  • Rental reimbursement
  • SR-22 Insurance and Non-owner SR-22 Insurance

Access offers discounts on auto insurance for

Access’s website does not list specific discounts for car insurance. You may need to speak with an agent to determine if you are eligible for a discount on your premium. Access does have a referral program where customers can get a $15 gift certificate for referring friends or family members.

Customers who have commercial car insurance may be eligible for the following discounts.

  • Full payment
  • Prior coverage
  • General liability
  • Multivehicle
  • Previous business experience

FAQs about getting car insurance

How can I get car insurance?

Are you buying car insurance for the first-time? You should first understand what minimum coverage your state requires for car insurance. You should know what type of insurance you need and which coverage options you may want. Next, you should shop around with at least three insurers for the best price.

Your premium might be higher if you are a teenager driver or have never had an accident. Your premium should decrease the more you drive safely.

What documents are required to obtain car insurance?

To help an insurer determine your eligibility for car insurance, you will need to provide a few pieces of information. You will need to provide your name, date, birth, Social Security number and driver’s licence number. Contact information, marital status, driving record, insurance history, and make and model of your vehicle are also required. It is possible that you will be asked questions about your education, including any driver education courses.

In most states, auto insurance is mandatory.

Drivers in most states must have some form of auto insurance. Although the minimum state requirement varies, most states require drivers to have bodily injury and personal responsibility coverage.

Are you unsure if Access auto insurance is right to you? These are some alternatives.

  • Progressive: This auto insurer offers a broad range of discounts and is available all across the country.
  • Infinity This company is ideal if your need for SR-22 coverage with a greater range of discounts.