American Access Casualty Company Review [2022]

The American Access Casualty Company has a B+ rating from A.M. Best. It specializes in helping drivers who have recently arrived in the United States get coverage. Drivers who need SR-22 Insurance can obtain this through the American Access Casualty Company. While you can't get a quote from American Access online, you can use it's "Find An Agent" tool to locate American Access representatives in your area.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent Rachael Brennan

UPDATED: Feb 22, 2022

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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.

Can't-Miss Facts

  • The American Access Casualty Company isn’t available nationwide
  • Bilingual support is offered through this company
  • The American Access Casualty Company provides SR-22 Insurance

The American Access Casualty Company may be a good fit for individuals with an international driver’s license or for drivers who need to obtain SR-22 Insurance. For over two decades, this insurance company has made auto coverage more accessible and currently provides insurance in 15 states. Continue reading this auto insurance guide to learn more about American Access, its coverages for drivers, and how to lower your insurance rates.

As you discover more about the American Access Casualty Company, you can enter your ZIP code to receive free quotes right away.

What is the American Access Casualty Company?

The American Access Casualty Company was founded in 1999 and was acquired by the Kemper Corporation in 2020. American Access insurance coverage is designed for drivers who have recently arrived in the United States, individuals who speak Spanish as their first language, and motorists who need SR-22 Insurance.

You can purchase an American Access Casualty Company insurance policy if you reside in any of these states:

  • Arizona
  • Arkansas
  • Georgia
  • Iowa
  • Illinois
  • Indiana
  • Kentucky
  • Mississippi
  • Nevada
  • Oklahoma
  • Oregon
  • Rhode Island
  • South Carolina
  • Texas
  • Utah

You can use your American Access login to make a payment or to track the process of any claims that you make. However, if you need to file a claim, you’ll have to contact the American Access claims department. American Access also has a “Find an Agent” tool available on its website, so that you can easily discover American Access locations.

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Is the American Access Casualty Company highly rated?

Since Kemper has purchased American Access, ratings for this company emerge under the Kemper name. That said, the American Access Casualty Company has an A+ rating from the Better Business Bureau (BBB) and has been a BBB accredited company since 2018.

Now, if you only want to work with the most financially secure companies available, you might be interested to note that A.M. Best upgraded this company’s rating from a B to a B+. This rating increase may be an indication that the company is growing stronger financially.

What coverages does the American Access Casualty Company offer?

While you won’t find detailed descriptions on its website of the coverages offered by American Access, this company does provide liability-only and full coverage policies to drivers who have either an international driver’s license or no license at all. If you’ve had your license suspended and need SR-22 insurance to have it reinstated, American Access Casualty insurance is available for that scenario.

When shopping online for car insurance, you should always request quotes from multiple companies. You’ll be able to compare coverage and pricing from the comfort of your home and determine which insurance company can provide you the most coverage at the lowest rates.

Does the American Access Casualty Company offer competitive pricing?

Unfortunately, American Access doesn’t offer an online quote tool. Therefore, you will need to contact an American Access agent to determine your rate with this company. However, you can use this chart below to compare rates from some of the top insurance companies in the industry:

Monthly Auto Insurance Rates by Company and Driver's Age
CompaniesAuto Insurance Rates Based on a Clean Driving RecordAuto Insurance Rates with a Young Adult Driver (20 to 24)Auto Insurance Rates with a Teen Driver (16-19)
Allstate$318$382$414
American Family$224$269$292
Farmers$288$346$375
GEICO$179$215$232
Liberty Mutual$398$477$517
Nationwide$229$275$298
Progressive$283$339$368
State Farm$235$282$306
Travelers$287$345$373
USAA$161$193$209
**National Average**$260$312$338

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Remember that rates will differ for every driver, as no two individuals have the same type of vehicle, driving history, credit score, or address. All of the aforementioned factors play a significant role in your rate calculations but, thankfully, most insurance companies offer tools to maintain low rates.

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Does the American Access Casualty Company offer discounts?

There is no mention of discounts on the American Access website, so you will need to contact an American Access representative to determine what type of reductions this company offers. However, as you shop for insurance online, you can refer to this extensive list of discounts provided by other insurance companies to determine if you have been excluded from any money-saving opportunities:

Auto Insurance Discounts Available by Company and Discount Amount
Discounts21st Century Discount AmountAAA Discount AmountAllstate Discount AmountAmerican Family Discount AmountAmeriprise Discount AmountAmica Discount AmountCountry Financial Discount AmountEsurance Discount AmountFarmers Discount AmountGeico Discount AmountLiberty Mutual Discount AmountMetLife Discount AmountNationwide Discount AmountProgressive Discount AmountSafe Auto Discount AmountSafeco Discount AmountState Farm Discount AmountThe General Discount AmountThe Hanover Discount AmountThe Hartford Discount AmountTravelers Discount AmountUSAA Discount Amount
Adaptive Cruise Control and/or Headlights----------5%--------3%--
Anti-lock Brakes--10%-3%5%-5%-5%5%5%5%-5%-5%8%5%3%--
Anti-Theft--10%-3%25%10%25%-25%20% off of comprehensive portion of policy.10% -- this discount factors in features such as VIN etching and vehicle recovery;
one anti-theft discount applies.
25%; combined with vehicle recovery discount.---15% discount off of comprehensive coverage; higher discount with "engine cut-off."8%; one total anti-theft discount applies; if vehicle recovery, a higher discount applies.5%3%--
Claim Free--35%----25%-26% for going five years without an accident.Awarded "accident free" on account for lower rating.20% if claim/violation free:
"Superior Driver"
3+ yrs=12%
"MetRewards"
5+ yrs 20%
AND
save $50 each claim-free year up to $250 (off deductible).
10%-10% if you go six months without filing a claim;
one safe driver/claim free discount applies.
20% "Safeco Safety Rewards" if you have no at-fault accidents in the last 36 months,
no more than 1 point on your license, and
no DUI in the last ten years; one safe driver/claim free discount applies.
15%; must have State Farm for at least three consecutive years without an accident.-15%-23%; must be accident and violation free to get the "Safe Driver" discount listed below;
must be accident and violation free to qualify:
23% - 5 years
10% - 3 years;
one safe driver/claim free discount applies.
12%; "Premier Driver Discount"
4%-12%, depending on driving record;
12% is for being accident and violation free for five years; one safe driver/claim free discount applies.
Not available in HI.
Continuous Coverage-----3%-------No gaps or cancellations;
discount depends on how long you have been consistently insured.
10% for going six or more months with no more than a 30-day coverage gap.7% if you have been with Safeco or previous provider for one year or longer; five or more years gets you the highest discount.--10%; discount applies at each renewal.-15%-
Daytime Running Lights--2%------1%5%5%5%-5%---5%3%--
Defensive Driver5%-10%10%-5%5%10%--10%7%5%10%10%5%5%8%5%10%10%3%
Distant Student--35%---------10%--15%--5%3%7%-
Driver's Ed--10%--5%10%---10%10%-10%10%5%15%8%5%3%8%3%
Driving Device/App--20%40%---25%--30%15%40%20%-30%50%--10%30%5%
Early Signing--10%---10%10%---15%8%--8%----10%12%
Electronic Stability Control--2%--5%----5%-----------
Emergency Deployment---------25%------------
Engaged Couple------10%---------------
Family Legacy-----5%---------------10%
Family Plan------25%-----25%------5%--
Farm Vehicle--10%-------------------
Fast 5-------5%--------------
Federal Employee---------8%10%-----------
Forward Collision Warning-----8%----5%--------3%--
Full Payment--10%--4%-10%--$5---5%15%-8%15%20%7.5%-
Further Education-------15%--10%-15%---------
Garaging/Storing---------------------90%
Good Credit------------"Financial Stability"
gets you a lower rate. You must also have stable residence.
-------
Good Student--20%--10%25%10%-15%22.5%15%10%-10%15%25%8%5%3%8%3%
Green Vehicle--10%-----5%-10%--------3%10%-
Homeowner-----5%12%----2%5%-10%10%3%5%5%-5%-
Lane Departure Warning-------------Safety features get automatic discounts applied when VIN entered in system. --------
Low Mileage-----10%-15%-------20%30%-----
Loyalty-----5%------5%--7%---5%--
Married--------------5%-------
Membership/Group-7%--15%-----10%-7%------20%--
Military-------25%-15%4%15%--25%-------
Military Garaging---------------------15%
Multiple Drivers-------------------5%--
Multiple Policies--10%--15%25%--10%20%10%10%12%-15%17%15%10%20%13%-
Multiple Vehicles-----15%15%--25%10%-20%10%15%15%20%15%5%5%8%-
New Address----------5%-----------
New Customer/New Plan-----------10%--10%-------
New Graduate----------5%-----------
Newer Vehicle--30%---10%---------40%--3%10%12%
Newly Licensed----------5%-----------
Newlyweds----------5%-----------
Occasional Operator---------------------Discount based on operator's individual driving record.
Occupation------10%---10%-15%------10%--
On Time Payments--5%-----------------15%-
Online Shopper-------11%-----7%--------
Paperless Documents- -10%--2%------5%$50-`-------
Paperless/Auto Billing-5%--2%-----25%$30-$410%$28%2%$53%3%
Passive Restraint--30%30%3%30%-33%-40%-5%20%-5%2%40%8%5%3%--
Recent Retiree----------4%--------3%--
Renter-----2%-30%--------------
Roadside Assistance-------5%--------------
Safe Driver--45%--15%-40%15%-12%35%31%10%20%15%---23%12%
Seat Belt Use---------15%------------
Senior Driver--10%--------10%-----5%5%---
Stable Residence-------------------5%--
Students and Alumni-------15%--10%-7%---------
Switching Provider-------5%--10%10%--10%--5%5%---
Utility Vehicle--15%-------------------
Vehicle Recovery--10%-5%10%-25%-25%35%10%25%---5%8%-3%--
VIN Etching----------5%10%----------
Young Driver------10%--------------$75

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You can save money on your insurance by adding discounts to your policy, but the best way to maintain low rates is to practice defensive driving techniques. For example, following the speed limit and not running red lights will keep your driving record flawless and, hopefully, reduce your chances of becoming involved in an accident.

What You Need to Know About the American Access Casualty Company

If you are a driver who has recently moved to the United States or who needs SR-22 Insurance, American Access may be the right company for you. The American Access Casualty Company also has bilingual assistance available for individuals whose first language is Spanish. In addition, the company also offers convenient tools to its drivers. For example, you can make your American Access insurance payment online.

American Access doesn’t serve every state. Therefore, if you live outside of this company’s coverage area, you can shop online to find the best insurance policy for your needs.

You can search for auto insurance with confidence now that you’ve concluded this review about the American Access Casualty Company. Enter your ZIP code to begin comparing free quotes from auto insurance companies near you.

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