Access Auto Insurance Review for 2021

Access auto insurance is available in 22 states, and the company caters to high-risk drivers. Access auto insurance rates for a single renter average $126/mo., but rates vary by location and driver. Access Auto Insurance Company ratings need improvement, with a B+ from A.M. Best and a D+ from the Better Business Bureau. Compare rates to get the best deal.

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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 ...

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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

UPDATED: Jan 4, 2021

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Founded in 1994, Access insurance sells automotive insurance policies as well as some types of specialty property and casualty insurance products. There are 22 states across the country where you can get Access Auto Insurance, including most of the South, Southwest, Pennsylvania, and the company’s home state of Georgia.

This Access auto insurance review will cover the company’s policy offerings as well as a look at Access auto insurance rates. We’ll discuss Access auto insurance coverage options including coverage for high-risk drivers.

Before you buy Access auto insurance, make sure you have looked at your other options. Enter your ZIP code now to compare auto insurance rates for free.

Access Auto Insurance Ratings

Unfortunately, especially in areas such as financial strength and customer service, Access hasn’t received the best reviews. To be fair, though, they have improved their BBB ranking in recent years from an F to a D+, so it looks like things might be improving for this young company.

Ratings Agency Rating
AM Best Financial Rating B+
Better Business Bureau Rating (2016) D+
Complaint Index (CA, 2013) 2.01 (Worse than Average)

Ratings for companies that offer coverage to high-risk drivers are often on the low side.

Access Auto Insurance Discounts

Lots of different companies will try to offer unique discounts in order to try and attract new business. Based on the discounts in the chart below, it appears as though Acceptance is trying to increase market share with senior drivers, motorists who drive safe vehicles, and those who are worried about auto theft (and have equipped their vehicle with an anti-theft device to prevent it).

Discount % Savings
Anti-Theft Device 15%
Anti-Lock Brakes 15%
Persistency Credit 12%
Multi-Car 10%
Airbag 8%
Mature Drivers Course 5%
Good Student 2.5%

Access Auto Auto Insurance Coverage Options

It’s important to find an insurance provider who can give you the coverage you need. Some specialty providers might not offer as many coverage options, while others might offer so many choices that you aren’t sure which ones you need to purchase – and which ones you don’t. The choices that Access offers for their auto policies are:

  • Bodily Injury and Property Damage Liability
  • Collision/Comprehensive
  • Medical Payments
  • Uninsured/Underinsured Motorist
  • Roadside Assistance
  • Rental Reimbursement
  • SR-22 Insurance

Access specifically caters to high-risk drivers, so they can help you when other companies turn you down.

Comparing Access Auto Insurance Quotes

You can’t really know for sure that you’re getting the best rates on your insurance policy unless you compare quotes between multiple companies. But it looks as though it doesn’t matter whether you’re a teenage driver, a single adult, or part of a married couple; Access will offer you coverage.

Access Auto Insurance QuotesLegend: Access Single Renter (Male)Single Renter (Female)Married HomeownersYoung Driver (Male)Young Driver (Female) 306090120150180210240270300$126$126$168$326$275

(Based on California data)

Of course, the numbers in the chart above are examples of certain demographics. If you are a young male driver and have an imperfect record, your rates might actually be higher than what you see here. But the only way to know for sure is to compare Acceptance rates with those of other local providers based on your zip code.

Pros and Cons of Access Auto Insurance

Pros Cons
Some functionality to their website: printable ID cards are available directly online Not easy to get claims department on the phone when you need them
BBB rating has improved in recent years Majority of reviews on customer service tend to be quite negative

Access Auto Insurance might not be the perfect insurance provider, but it could benefit you depending on your circumstances. They offer a wide variety of coverage options and discounts, as well as some online accessibility and payment options. On the other hand, it looks as though their customer service could be better; however, their improved rating with the BBB recently shows that things may be improving in that area.

Where is Access Insurance located?

We’ve listed Access Insurance contact information below.

Corporate Headquarters
P.O. Box 105171
Atlanta, GA 30348-5171
Phone: 770-234-3600
Fax: 770-234-3637

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Access Auto Insurance: The Bottom Line

If you’re a higher-risk driver, affordable Access auto insurance may be an option for you. It’s only available in a limited area, however, and the company’s ratings aren’t great.

If you’re done learning about Access auto insurance and want to compare some rates, enter your ZIP code below.

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