Chris Tepedino is a feature writer that has written extensively about car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, research investigative pieces…

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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…

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Reviewed byRachael Brennan
Licensed Insurance Agent for 14 Years

UPDATED: Sep 5, 2020

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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.

Access Auto Insurance Review

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

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 Device15%
Anti-Lock Brakes15%
Persistency Credit12%
Mature Drivers Course5%
Good Student2.5%

Access Auto Auto Insurance 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

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; Acceptance will offer you coverage.

Acceptance Auto Insurance Quotes Legend: Acceptance* Single Renter (Male) Single Renter (Female) Married Homeowners Young Driver (Male) Young Driver (Female) 30 60 90 120 150 180 210 240 270 300 $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

Some functionality to their website: printable ID cards are available directly onlineNot easy to get claims department on the phone when you need them
BBB rating has improved in recent yearsMajority 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.

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