Editor's Rating

Our study found that insurance rates from Access Auto are above average, and the company receives more complaints than competitors. Many drivers could find better rates and better customer service from other companies, like Geico or State Farm.

Good for
  • Convenient mobile app
  • A+ rating from Better Business Bureau
Bad for
  • Rates are more expensive than competitors
  • High rate of complaints when filing claims

Access Auto Insurance coverages

Access Auto sells car insurance policies in five states: Arizona, Illinois, Indiana, Nevada and Texas. The company offers customers a wide range of standard car insurance coverages, including:

  • Bodily injury liability
  • Property damage liability
  • Uninsured motorist
  • Collision and comprehensive
  • Underinsured motorist
  • Roadside assistance
  • Rental reimbursement
  • SR-22 insurance

Cost of auto insurance from Access

We found that Access Auto is consistently one of the more expensive insurers, especially compared to other accessible, big-name insurers such as Geico and State Farm. Our analysis showed that insurance quotes from Access Auto cost 46% more than the average rates for a full-coverage policy.

Access Auto Insurance Rates

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Currently insured?

These annual quotes were for a full-coverage policy for a driver living in Arizona.

The cost of auto insurance varies based on a wide range of factors, including location, age and driving history. Therefore, we recommend always comparing quotes from multiple insurers in order to find the best rate.

Single male, 21
Married couple, 40s
Married couple w/ 17-year-old
State Farm$3,886$2,906$5,021

Access Auto does offer some flexibility when it comes to paying for insurance. The company accepts multiple payment methods, including credit cards, debit cards, money orders and eChecks.

Access Auto ratings and customer reviews

Access Auto received a Complaint Index of 4.77 from the National Association of Insurance Commissioners. The Complaint Index measures the number of claims an insurer receives relative to its size, with a national average of 1.00. This means Access Auto received almost 5 times as many complaints than the average company of their size.

Allstate, Geico and State Farm scored higher on customer satisfaction ratings than Access, in addition to offering cheaper quotes. Access Auto does have an A+ rating from the Better Business Bureau, which indicates consistent responsiveness to consumer feedback and concerns.

Below is a chart of Access Auto's popular business ratings:

A.M. Best Financial Strength RatingB+
Better Business Bureau RatingA+
NAIC Complaint Index (NAIC, 2020)4.77 (Worse than average)

How to file a claim

To report a claim with an Access Auto Insurance representative, call (630) 645-7755. You can also call your Access Auto agent to file a claim.


The quotes for this study were sourced from the 2020 Premium Comparison report published by the Arizona Department of Insurance. The annual quotes were for full-coverage policies with combined single limits of $300,000, or split limits of $100,000/$300,000 bodily injury and $50,000 property damage, plus collision and comprehensive coverages.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.