American Access Casualty Company Review [2025]

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.

Read more: AAA Auto Insurance Review

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

Companies	Auto Insurance Rates Based on a Clean Driving Record	Auto Insurance Rates with a Young Adult Driver (20 to 24)	Auto Insurance Rates with a Teen Driver (16-19)
	$318	$382	$414
	$224	$269	$292
	$288	$346	$375
	$179	$215	$232
	$398	$477	$517
	$229	$275	$298
	$283	$339	$368
	$235	$282	$306
	$287	$345	$373
	$161	$193	$209
**National Average**	$260	$312	$338

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.

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

Discount Name
Adaptive Cruise Control	✓	✓	✓	✓	5%	✓	✓	✓	✓	✓
Adaptive Headlights	✓	✓	✓	✓	5%	✓	✓	✓	✓	✓
Anti-lock Brakes	10%	✓	✓	5%	5%	5%	✓	5%
Anti-Theft	10%	✓		23%	20%	25%	✓	15%
Claim Free	35%	✓	✓	26%	✓	10%	✓	15%	23%	12%
Continuous Coverage		✓	✓		✓	✓	✓	✓	15%	✓
Daytime Running Lights	2%		✓	3%	5%	5%	✓	✓
Defensive Driver	10%	10%	✓	✓	10%	5%	10%	5%	10%	3%
Distant Student	35%	✓	✓	✓	✓	10%	✓		7%
Driver's Ed	10%	✓	✓	✓	10%	✓	10%	15%	8%	3%
Driving Device/App	20%	40%	✓	✓	30%	40%	20%	50%	30%	5%
Early Signing	10%	✓	✓	✓	✓	8%	✓	✓	10%	12%
Electronic Stability Control	2%	✓	✓	✓	5%		✓	✓	✓	✓
Emergency Deployment	✓	✓	✓	25%	✓	✓		✓	✓	✓
Engaged Couple	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓
Family Legacy	✓	✓	✓	✓	✓	✓	✓	✓	✓	10%
Family Plan	✓	✓	✓	✓	✓	25%	✓	✓	✓	✓
Farm Vehicle	10%	✓	✓		✓	✓		✓	✓	✓
Fast 5	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓
Federal Employee	✓	✓		12%	10%	✓		✓	✓	✓
Forward Collision Warning	✓	✓	✓	✓	5%		✓	✓	✓	✓
Full Payment	10%	✓	✓		$50	✓	✓	✓	8%	✓
Further Education	✓	✓			10%	15%		✓		✓
Garaging/Storing	✓	✓	✓		✓	✓	✓	✓		90%
Good Credit			✓	✓	✓		✓		✓	✓
Good Student	20%	✓		15%	23%	10%	✓	25%	8%	3%
Green Vehicle	10%	✓	5%	✓	10%	✓	✓	✓	10%	✓
Homeowner	✓	✓	✓		✓	5%	✓	3%	5%	✓
Lane Departure Warning	✓	✓	✓	✓		✓	✓	✓	✓	✓
Life Insurance	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓
Low Mileage		✓		✓			✓	30%
Loyalty	✓	✓	✓	✓	✓	5%	✓	✓	✓
Married	✓	✓	✓	✓			✓		✓
Membership/Group	✓	✓	✓		10%	7%		✓		✓
Military		✓	✓	15%	4%	✓			✓
Military Garaging	✓	✓	✓	✓	✓	✓	✓	✓	✓	15%
Multiple Drivers	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓
Multiple Policies	10%	29%	✓	10%	20%	10%	12%	17%	13%
Multiple Vehicles		✓	✓	25%	10%	20%	10%	20%	8%
New Address	✓	✓	✓	✓	5%	✓	✓	✓	✓	✓
New Customer/New Plan	✓	✓	✓	✓		✓	✓	✓	✓	✓
New Graduate	✓	✓	✓	✓	5%	✓	✓	✓	✓	✓
New Vehicle	30%	✓	✓	15%	✓			40%	10%	12%
Newly Licensed	✓	✓	✓	✓	5%	✓	✓	✓	✓	✓
Newlyweds	✓	✓	✓	✓	5%	✓	✓	✓	✓	✓
Non-Smoker/Non-Drinker	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓
Occasional Operator	✓	✓	✓	✓	✓	✓	✓	✓	✓
Occupation		✓			10%	15%	✓	✓		✓
On-Time Payments	5%	✓		✓	✓	✓	✓	✓	15%	✓
Online Shopper	✓	✓	✓	✓	✓	✓	7%	✓	✓	✓
Paperless Documents	10%	✓		✓	✓	5%	$50	✓	✓	✓
Paperless/Auto Billing	5%	✓		✓	✓	$30	✓	$20	3%	3%
Passive Restraint	30%	30%		40%		20%	✓	40%
Recent Retirees	✓	✓	✓	✓	4%	✓	✓	✓	✓	✓
Renter	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓
Roadside Assistance	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓
Safe Driver	45%	✓		15%	✓	35%	31%	15%	23%	12%
Seat Belt Use	✓	✓	✓	15%	✓	✓		✓	✓	✓
Senior Driver	10%	✓		✓	✓	✓	✓	✓	✓
Stable Residence	✓	✓	✓	✓	✓		✓	✓	✓	✓
Students & Alumni	✓	✓	✓		10%	7%		✓	✓	✓
Switching Provider	✓			✓	10%	✓		✓	✓	✓
Utility Vehicle	15%	✓	✓		✓	✓		✓	✓	✓
Vehicle Recovery	10%	✓	✓	15%	35%	25%	✓	5%
VIN Etching	✓	✓	✓	✓	5%		✓	✓
Volunteer	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓
Young Driver	✓	✓	✓	✓		✓	✓	✓	✓	$75

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.