HomeCar InsuranceAccess Insurance Reviews: 2024 Guide

Access Insurance Reviews: 2024 Guide

Access Auto Insurance offers the following coverage options:

Liability Coverage

If you cause an accident, your liability insurance coverage will pay for injuries and property damage to others, up to the specified limits. Almost every state in the U.S. requires its drivers to have at least state-minimum bodily injury (BI) liability coverage and property damage (PD) liability coverage.

In Arizona, the state minimum coverage is $25,000 for injuries per person, $50,000 in total BI coverage for an accident, and $15,000 for property damage per accident.

In Indiana, the state minimum coverage is $25,000 for injuries per injured person, $50,000 in total BI for an accident, and $25,000 for property damage per accident.

Full-Coverage Insurance

At Access Auto Insurance, full-coverage insurance for your car will generally include state-minimum liability coverage plus collision and comprehensive coverage to protect your own car in the event of an accident.

Collision and comprehensive coverage will pay for damages to your car up to the actual cash value of the car, minus your deductible. While collision coverage applies if you are in an accident with another car or an object, comprehensive coverage provides protection for non-collision damages like theft, vandalism, or a falling object, such as a tree.

These types of insurance are not required by the state, but your lender will require you to buy them if you have a car loan. Also, while most mainstream insurance providers extend the collision/comprehensive coverage on your personal policy to rental cars for personal use, Access Auto Insurance clearly states that its coverage will not cover rental cars.

Medical Payments

Medical payments is an optional coverage that will pay for your injuries up to a specified limit if you are in an accident.

Uninsured/Underinsured Motorist

Uninsured motorist coverage will cover your medical expenses or property damage repairs up to a limit if an uninsured person is responsible for the accident.

Underinsured motorist coverage will pay for your injuries or car repairs if the accident was caused by the other party, and they don’t have enough insurance coverage to pay for the expenses.

While uninsured and underinsured motorist coverages are not legally required in Indiana and Arizona, insurance companies have to offer these coverages to customers. If you don’t want them, you can reject it in writing.

Roadside Assistance

Roadside assistance coverage from Access Auto Insurance will pay up to $100 per event and a maximum of two events per policy term for emergency roadside services that include towing, battery jumpstart, and gas delivery.

Rental Reimbursement

Rental reimbursement coverage from Access Auto Insurance is an optional add-on that will pay $25 per day for a maximum of 30 days for a rental vehicle if your car is in the shop for covered repairs.


Access Auto Insurance can help you with your SR-22 filing if you have a DUI or moving violations on your record and are required by the state to carry this certificate for a specified period of time. It is important to remember that SR-22 is not insurance but proof of insurance and is linked with a driver and not a vehicle. You will still need to buy additional car insurance with an SR-22.

However, if you don’t own a car and are buying a non-owner’s SR-22 from Access Auto Insurance, then this generally comes with state-minimum bodily injury liability coverage and property damage liability coverage. It will not include collision coverage.

How To Get An Access Auto Insurance Quote

If you plan to buy your car insurance from Access, you have three options to get a free, no-obligation quote–online, over the phone, and in-person at any of the nine physical stores in Arizona or four in Indiana. Access Auto Insurance has an online tool that will help you find your nearest location.

Access Auto Insurance promises instant coverage. If you purchase a policy online, you will be able to download your insurance ID card directly to your device. If you buy insurance over the phone, you will receive your insurance ID in your email. If you buy your insurance at an Access Auto Insurance store, the agent will give you the card directly.

For a simpler process, use this quick tool below to get matched with the best coverage and rates in your area:

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