Access car insurance: Insurance for high-risk drivers in select states

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Editors’ take: Access auto insurance could be a good option for high-risk drivers looking to re-insure their vehicle after a lapse in coverage for up to 60 days. Its lenient reinstatement policy could help those in a bind. Access might not be the best option for those looking for an SR-22 certificate, as limited discounts are available. Drivers with relatively good driving history, or those looking for robust bundling and discount options, should look elsewhere.

Access auto insurance at a glance

AvailabilityAvailable only in Indiana and Arizona
J.D. Power customer satisfaction ratingsNot listed
How to get an insurance quoteOnline, over the phone or via an agent
How to submit a claimOver the phone or via an agent


  • Range of coverage options
  • Insurance for high-risk and first-time drivers
  • Offers auto insurance coverage for every type of ID


  • Available only in Arizona and Indiana
  • Somewhat inconvenient quote and claims processes

What you need to know about Access auto insurance

Headquartered in Illinois and founded in 1975, Access auto insurance advertises low-cost auto insurance for drivers in Indiana and Arizona. Its affiliates may also provide insurance in Illinois, Texas and Nevada. Access offers standard coverage options and insurance for high-risk and first-time drivers (nonstandard options).

Insurance for high-risk and first-time drivers

Access offers SR-22 insurance for drivers deemed high-risk, such as those who have received a DUI/DWI or a violation like reckless driving or driving without insurance. SR-22 coverage is used as proof that a driver holds the minimum coverage required by their state.

Access accepts drivers with valid licenses, no licenses, suspended licenses and state IDs. It also has a forgiving reinstatement policy that allows drivers to regain their coverage if their policy has been canceled for fewer than 60 days.

Online quotes might be buggy

You can get a quote for Access auto insurance over the phone, via an agent or online. But the online quotes process may be a bit buggy. You’ll be asked to provide some standard information, like your name and address, type of vehicle and history of previous coverage. Access will also ask if you have had any traffic violations or if you’ll need an SR-22. The website gave an error when we tried to receive a quote, so you might be better off contacting an agent directly to shop for coverage.

Inconvenient claims process

If you own a policy and are in an accident, you’ll have to report a claim over the phone or via a local agent. Access doesn’t appear to have a mobile app, and while you can manage your policy online, you can’t submit a claim via the website.

Auto coverage offered by Access

Access highlights its options for high-risk and hard-to-insure drivers, like SR-22 coverage and state-minimum insurance. It also offers several standard auto insurance options and extras like rental reimbursement and roadside assistance. In addition, Access provides commercial car insurance. Here’s a quick look at the auto coverage available at Access:

  • Full coverage
  • Roadside assistance
  • Bodily injury liability
  • Property damage liability
  • Collision/comprehensive coverage
  • Medical payments coverage
  • Uninsured/underinsured motorist coverage
  • Rental reimbursement
  • SR-22 insurance and non-owner SR-22 insurance

Auto insurance discounts offered by Access

Access’s website doesn’t list any specific car insurance discounts, so you may have to check with an agent to see if you qualify for savings on your premium. It does offer a customer referral program in which customers can receive a $15 gift card for referring a friend or family member.

Commercial car insurance customers may qualify for the following discounts:

  • Paid in full
  • Prior coverage
  • General liability
  • Multivehicle
  • Prior business experience

FAQs about getting car insurance

How do I get car insurance for the first time?

Buying car insurance for the first time? Start by ensuring you understand the minimum car insurance coverage required by your state. Once you know the kind of insurance you have to have, as well as what other coverage options you might want, shop around at least a few insurers to get the best quote.

If you’re a teen driver or simply don’t have a driving history, your premium may be higher than for someone who has been driving for a while with no accidents. In most cases, your premium should get less expensive the longer you drive safely.

What documents do I need to get car insurance?

When you’re getting a car insurance quote, you’ll have to provide several pieces of information to help the insurer determine your eligibility and rate. Be prepared to give your name, date of birth, Social Security number, driver’s license number, contact information, occupation, marital status, driving history, insurance history and the make and model of your car. You may also have to answer questions about your education and any driver education courses you’ve completed.

What auto insurance is required in most states?

Most states require drivers to carry some kind of auto insurance. While the required state minimum varies, drivers are generally expected to carry bodily injury and personal liability coverage.

Not sure if Access auto insurance is right for you? Consider these alternatives.

  • Progressive: If you’re looking for auto insurance that’s available across the country with a wide range of potential discounts, you may want to check out this auto insurer.
  • Infinity: This insurance company may be ideal if you’re looking for SR-22 coverage and a wider range of potential discounts.

About the author: Sarah Sidlow is a freelance writer and editor based near Detroit. She has a master’s degree in journalism from Georgetown University. Sarah’s work has appeared in Luxembourg’s national newspaper, Washington City Paper… Read more.