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 insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Feb 17, 2022

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Key Takeaways

  • American Access Casualty Company offers non-standard car insurance products to clients in a few U.S. states.
  • You may need non-standard car insurance if you’re considered a high-risk driver.
  • Rates with American Access will likely be higher than average liability rates in your state.

If you are on the hunt for car insurance, you may want to look into the American Access Casualty Company. American Access Casualty Insurance offers car insurance coverage for people who need same-day coverage, SR-22 insurance, or who have been driving for a while without car insurance.

Based on the company’s website, American Access Insurance products are affordable and hassle-free for most clients. American Access Casualty’s non-standard car insurance products are geared specifically toward the Hispanic community, and may be a great fit for individuals who are considered high-risk drivers.

As you search for high-risk car insurance, you need to shop around online and compare quotes from several different car insurance companies. This will help you find better rates on non-standard coverage, and it will also allow you to find the coverage you need.

You can use our free quote tool above to find and compare car insurance rates from top companies in your area today.

What does American Access car insurance cover?

The American Access website does not specify the exact types of car insurance offered by the company, but the website does state that American Access is a provider of non-standard auto insurance options for clients who are considered high-risk drivers.

Most car insurance companies that offer high-risk coverage sell liability policies that will allow policyholders to meet their state auto insurance requirements for coverage in order to drive legally. Some of the specifics of the American Access website include:

  • Affordable premiums
  • Low down payments
  • Same-day coverage
  • Installment plans for premiums
  • SR-22 coverage
  • Acceptance of Hispanics, internationals, and people without a driver’s license

American Access offers policies specifically in Illinois, Indiana, Nevada, Arizona, and Texas. If you are living in one of these states and are looking for non-standard car insurance coverage, you can visit the American Access Casualty Company website or visit one of the many American Access locations to speak with an agent or get a quote.

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What is non-standard car insurance?

Non-standard car insurance is typically offered to drivers who pose a significant risk of being involved in a car accident. Companies like American Access offer non-standard policies to high-risk drivers when some other companies would deny coverage.

If you are curious about what makes someone a high-risk driver, you are not alone. Some of the most common reasons for being labeled a high-risk driver include:

  • Having a major traffic violation
  • Being convicted of a DUI
  • Being involved in multiple traffic accidents
  • Being involved in one or more at-fault accidents
  • Being required to file an SR-22 with the state
  • Accruing driving violations on your record
  • Having a suspended license

Drivers who have had any of the things listed above happen over the previous three to five years may find it very difficult to find affordable car insurance coverage — or car insurance coverage altogether — so they can legally drive. Companies like American Access work to provide coverage to individuals in such a case.

Can high-risk drivers go without coverage?

It is never a good idea to drive without coverage, regardless of the type of driver you are. If you are already considered a high-risk driver, driving without car insurance could land you in some hot water. The table below shows the penalties for driving uninsured by state.

Penalties for Driving Uninsured by State
StateFirst OffenseSecond Offense
AlabamaFine: Up to $500; registration suspension with $200 reinstatement feeFine: Up to $1,000 and/or six-month license suspension; $400 reinstatement fee with four-month registration suspension
AlaskaLicense suspension for 90 daysLicense suspension for one year
ArizonaFine: $500 (or more); license/registration/license plate suspension for three monthsFine: $750 (or more within 36 months); license/registration/license plate suspension for six months
ArkansasFine: $50 to $250; suspended registration/no plates until proof of coverage plus $20 reinstatement fee; court may order impoundmentFine: $250 to $500 fine — minimum fine mandatory; suspended registration/no plates until proof of coverage plus $20 reinstatement fee. Court may order impoundment
CaliforniaFine: $100-$200 plus penalty assessments. Court may order impoundmentFine: $200-$500 within three years plus penalty assessments. Court may order impoundment
ColoradoFine: $500 minimum fine; 4 points against your license; license suspension until you can show proof to the DMV that you are insured. Courts may add up to 40 hours community service$1,000 minimum fine and license suspension for 4 months; 4 points against your license. Courts may add up to 40 hours community service
ConnecticutFine: $100-$1000; suspended registration/license for one month (show proof of insurance) with $175 reinstatement feeFine: $100-$1000; suspended registration/license for six months (show proof of insurance) with $175 reinstatement fee
DelawareFine: $1500 minimum fine; license/privilege suspension for six monthsFine: $3000 minimum fine within three years; license/privilege suspension for six months
FloridaSuspension of license and registration until reinstatement fee is paid and non-cancelable coverage is secured; $150 fee for first reinstatementSuspension of license and registration until reinstatement fee is paid and non-cancelable coverage is secured; $250 fee for second reinstatement
GeorgiaSuspended registration with $25 lapse fee and $60 reinstatement fee. Pay any other registration fees and vehicle ad valorem taxes dueWithin five years: Suspended registration with $25 lapse fee and $60 reinstatement fee. Pay any other registration fees and vehicle ad valorem taxes due
HawaiiFine: $500 fine or community service granted by judge. Either license suspension for three months or a required nonrefundable insurance policy in force for six monthsFine: $1500 minimum fine within five years; either license suspension for one year or a required non-refundable insurance policy in force for six months
IdahoFine: $75; license suspension until financial proof. No reinstatement fee.Fine: $1000 maximum fine within five years and/or no more than six months in jail; license suspension until financial proof. No reinstatement fee.
IllinoisFine: minimum of $500; License plate suspension until $100 reinstatement fee and insurance proofFine: minimum of $1,000; License plate suspension for four months; $100 reinstatement fee and insurance proof
IndianaLicense/registration suspension for 90 days to one yearWithin three years: license/registration suspension for one year
IowaFine: $500 if in accident; Otherwise, fine: $250; community service in lieu of fine. Possible citation/warning if pulled over plus removal of plates and registration possible when pulled over without insurance and reissued upon payment of fine or completed community service, proof of insurance, and $15 fee; possible impoundment when pulled overN/A
KansasFine: $300 to $1000 and/or confinement in jail up to six months; license/registration suspension; reinstatement fee: $100Fine: $800 to $2500 within three years; license/registration suspension; reinstatement fee: $300 if revoked within previous year, otherwise $100
KentuckyFine: $500 to $1000 fine and/or sentenced up to 90 days in jail; license plates and registration revoked for one year or until proof of insurance is shownWithin five years: 180 days in jail and/or $1000 to $2500; license plates and registration revoked for one year or until proof of insurance is shown
LouisianaFine: $500 to $1000; If in car accident, fine plus registration revoked and driving privileges suspended for 180 daysN/A
MaineFine: $100 to $500; suspension of license and registration until proof of insuranceN/A
MarylandLose license plates and vehicle registration privileges; pay uninsured motorist penalty fees for each lapse of insurance — $150 for the first 30 days, $7 for each day thereafter; Pay a restoration fee of up to $25 for a vehicle's registrationN/A
MassachusettsFine: $500 to $5000 fine and/or imprisonment for one year or lessWithin six years: License/driving privileges suspended for one year
MichiganFine: $200 to $500 fine and/or imprisonment for one year or less; license suspension for 30 days or until proof of insurance; $25 service fee to Secretary of StateN/A
MinnesotaFine: $200 to $1000 (or community service) and/or imprisonment for up to 90 days; License and registration revoked for no more than 12 monthsN/A
MississippiFine: $1000; driving privileges suspended for one year or until proof of insuranceN/A
MissouriFour points against driving record; driver may be supervised; suspended until proof of insurance with $20 reinstatement feeFour points against driving record; driver may be supervised; suspended for 90 days with $200 reinstatement fee
MontanaFine: $250 to $500 fine and/or imprisonment for no more than 10 daysFine: $350 and/or imprisonment for no more than 10 days — within 5 years; license and registration revoked until proof of insurance and payment of reinstatement fees within 90 days
NebraskaLicense and registration suspension; reinstatement fee of $50 for each; proof of insurance to remain on file for three years
NevadaFine: $250 to $1,000 depending on length of lapse; registration suspension — until payment of reinstatement fee and, depending on circumstances, an SR-22 (proof of financial responsiblity) if lapsed more than 90 days; reinstatement fee: $250Fine: $500 to $1000 depending on length of lapse; registration suspension — until payment of reinstatement fee and, depending on circumstances, SR-22 (proof of financial responsibility) if lapsed more than 90 days; Reinstatement fee: $500
New HampshireNot a mandatory insurance state. Proof of insurance may be required as the result of a conviction, crash involvement, or administrative action. If you are required to file proof of insurance and vehicles are registered in your name, you will be required to file an Owner’s SR-22 Certificate of Insurance.N/A
New JerseyFine: $300 to $1000; license suspension for one year; pay surcharges for three years in the amount of $250 per yearFine: up to $5000; two-year license suspension; 14-day, mandatory jail term, and an additional mandatory 30 days of community service
New MexicoFine: up to $300 and/or imprisoned for 90 days; license suspensionN/A
New YorkFine: up to $1500 if involved in accident plus $750 civil penalty; license and registration suspension – revoked for one year; suspension of license if without
insurance for 90 days; suspension lasts as long as registration suspension; Suspension of registration: equal to time without insurance or pays $8/day up to thirty days for which financial security was not in effect, $10/day from the thirty-first to the sixtieth day $12/day from the sixtieth to the ninetieth day and proof of security is provided. Or for the same time as the vehicle was operated without insurance.
N/A
North CarolinaFine: $50; registration suspension until proof of financial responsibility but 30-day suspension if in car accident or knowingly driving without insurance; $50 restoration fee plus license plate feeFine: $100 within three years; registration suspension until proof of financial responsibility but 30-day suspension if in car accident or knowingly driving without insurance; $50 restoration fee plus license plate fee
North DakotaFine: up to $1500 and/or 30 days in prison; 14 points against license plus suspension; Proof of insurance must be provided for one year; license with a
notation requiring that person keep proof of liability insurance on file with the department. The fee for this license is $50, and the fee to remove
this notation is $50.
Fine: up to $1500 and/or 30 days in prison; 14 points against license plus suspension; license plates impounded until proof of insurance (provided for one year) plus $20 reinstatement fee; license with a notation requiring that person keep proof of liability insurance on file with the department. The fee for this license is $50 and the fee to remove this notation is $50.
OhioLicense/plates/registration suspension until requirements are met and $100 reinstatement fee is paid; maintain special high-risk coverage on file with the BMV for three to five years; If involved in accident without insurance: all above penalties and a security suspension for two plus years and an indefinite judgment suspension (until all damages are satisfied)License/plates/registration suspension for one year; $300 reinstatement fee; maintain special high-risk coverage on file with the BMV for three or five years; if involved in accident without insurance: all above penalties and a security suspension for two plus years and an indefinite judgment suspension (until all damages are satisfied)
OklahomaFine: $250; jail time up to 30 days; license suspension with $275 reinstatement fee. Police can seize license plates and assign temporary plates and liability insurance — in effect for 10 days and can also impound the vehicle. The cost of the temporary coverage is added to the administrative fee and any fines paid for plates to be returned. If car impounded, owner must also pay towing and storage fees.N/A
OregonFine: $130-$1000 ($260 is the presumptive fine); If involved in accident — at least a one year license suspension; proof of financial responsibility required for three yearsN/A
PennsylvaniaRegistration suspended for three months (unless lapse was for less than 31 days and vehicle not operated during that time); $88 restoration fee plus proof of insurance required to get it back; $500 civil penalty fee is optional in lieu of registration suspension plus $88 restoration fee — can only use this option once within a 12-month periodN/A
Rhode IslandFine: $100 to $500; license and registration suspension up to three months; reinstatement fee: $30 to $50Fine: $500; license and registration suspension up to six months; reinstatement fee: $30 to $50
South CarolinaFine: $100-$200 or 30-day imprisonment; failure to surrender registration and plates when insurance lapses; license/registration suspended until proof of insurance plus $200 reinstatement feeFine: $200 and/or 30-day imprisonment — within 10 years; license/registration suspended until proof of insurance plus $200 reinstatement fee
South DakotaFine: $100 and/or 30 days imprisonment; license suspension for 30 days to one year; filing proof of insurance (SR-22) with the state for three years from date of conviction. Failure to file proof will result in suspension of vehicle registration, license plates, and driver license.N/A
TennesseePay $25 coverage failure fee within 30 days of notice; if not paid, then an additional $100 coverage failure fee with suspension or revocation of registration plus reinstatement fee of no more than $25N/A
TexasFine: $175 to $350 fine; plus, pay up to a $250 surcharge every year for three years (may be reduced with certain requirements)Fine: $350 to $1000; pay up to a $250 surcharge every year for three years (may be reduced with certain requirements); suspend the driver's license and vehicle registrations of the person unless the person files and maintains evidence of financial responsibility with the department until the second anniversary of the date of the subsequent conviction; Impoundment: for 180 days and
cannot apply for release of car without evidence of financial responsibility and impoundment fee of $15/day.
UtahFine: $400; license suspension until proof of insurance (maintained for three years) and $100 reinstatement feeFine: $1000 — with three years; license suspension until proof of insurance (maintained for three years) and $100 reinstatement fee
VermontFine: up to $500; license suspended until proof of insuranceN/A
VirginiaFine: may pay $500 Uninsured Motorists Vehicle fee to drive without insurance at your own risk. If this fee is not paid in lieu of insurance, all driving and vehicle registration privileges will be suspended until a $500 statutory fee is paid, proof of insurance is filed for three years, and a reinstatement fee (if applicable) is paidN/A
WashingtonFine: Up to $250 or moreN/A
West VirginiaFine: $200 to $5000; license suspended for 30 days with reinstatement fees, unless there's proof of insurance and $200 penalty feeFine: $200-$5000 fine and/or 15 days to one year in jail — within five years; license suspended for 90 days and registration revoked until proof of insurance
WisconsinFine: up to $500N/A
WyomingFine: up to $750 fine and up to six months in jailN/A
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As you can see, people can get into a lot of trouble if they choose to drive a car without the proper coverage. American Access exists in part to make sure clients are able to find coverage that allows them to drive and avoid the penalties listed above.

How much is American Access car insurance?

American Access allows potential clients to speak with an agent on the company website and over the phone, but the company does not offer direct quotes online. This makes it difficult to know just how much an American Access insurance payment would be.

We can assume that rates for car insurance with American Access would be higher than the average liability policy, although there is no way to know how to calculate the increase. The table below shows the average liability rates for car insurance in each U.S. state.

Average Monthly Liability Rates by State
StatesAverage Monthly Liability Rates
Alabama$37
Alaska$47
Arizona$48
Arkansas$36
California$45
Colorado$49
Connecticut$59
Delaware$69
District of Columbia$58
Florida$76
Georgia$55
Hawaii$39
Idaho$32
Illinois$40
Indiana$34
Iowa$27
Kansas$32
Kentucky$47
Louisiana$73
Maine$30
Maryland$55
Massachusetts$52
Michigan$72
Minnesota$39
Mississippi$41
Missouri$38
Montana$34
Nebraska$33
Nevada$64
New Hampshire$35
New Jersey$76
New Mexico$44
New York$71
North Carolina$31
North Dakota$25
Ohio$35
Oklahoma$40
Oregon$53
Pennsylvania$43
Rhode Island$68
South Carolina$50
South Dakota$26
Tennessee$37
Texas$49
Utah$45
Vermont$30
Virginia$38
Washington$53
West Virginia$43
Wisconsin$33
Wyoming$29
*National Average*$48
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Rates vary significantly from one state to the next, and you can expect higher car insurance rates if you choose a policy with complete coverage. High-risk car insurance rates will likely be higher than those listed in the table above, but shopping around for coverage may allow you to find more affordable rates.

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Can you make American Access payments online?

American Access makes it easy to make an American Access payment or file American Access claims on the company website. Clients simply need to use their American Access login to access the portal for policyholders. From there, they can make a payment, file a claim, check the status of a claim, or speak with a company representative.

Does American Access have good ratings and reviews?

Unfortunately, company ratings for American Access are not very positive. In 2015, A.M. Best downgraded American Access’ financial rating from bb+ (good) to bb (fair). Soon after this rating, American Access requested to withdraw from the financial rating process with A.M. Best.

This type of review does not create a lot of confidence in potential clients, as they may worry about filing a claim and never receiving a payout for covered expenses.

If you are in need of non-standard car insurance, it is a good idea to look at the financial strength ratings and customer reviews of any company you are considering before you make a final decision. This could help you avoid purchasing a policy with a company that is incapable of supporting you when you need it most.

Be sure to use our free quote tool below when you shop around for car insurance coverage in your area today.