American Access Casualty Car Insurance Review [2020]

American Access Casualty car insurance sells non-standard, high-risk car insurance in AZ, IL, IN, NV, and TX. High-risk insurance is for drivers with speeding tickets, DUIs, and other driving-related issues.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 25, 2021

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Company Details
Address: 2211 Butterfield Rd. Suite 200
City: Downers Grove
State: IL
ZIP Code: 60515
Phone Number: 888-663-5443
Year Founded: 1999
Company Rating 0 (0 reviews)

Here's what you need to know...

  • American Access is only available in a few states
  • The company focuses its efforts on providing insurance for high-risk clients
  • Before deciding if American Access is right for you, be sure to get quotes from competing companies

American Access Casualty Company provides non-standard, high-risk car insurance in Arizona, Illinois, Indiana, Nevada, and Texas.

The company holds licenses in nine other states and has plans to expand operations in those states as opportunities are made available.

American Access was established in 1999 as Access Insurance Holdings.

A 2005 acquisition of American Casualty Insurance Company resulted in forming what is now American Access.

The company is located in Oak Brook, Illinois, and focuses heavily on new avenues of providing car insurance specifically to the Hispanic population.

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More About American Access Casualty

Strong financials are one of the key indicators of whether a car insurance company can be depended on for a long-term relationship.

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American Access prides itself on a conservative underwriting approach and specific investment strategies in order to control growth in a steady and sustainable manner.

At the end of 2009, three of the company’s key financials were:

  • Policy Holder Surplus – approx. $40 million
  • Admitted Assets – approx. $131.8 million
  • Risk to Capital Ratio – approx. 786 percent

A.M. Best, the internationally-known financial rating services company, gives American Access a rating of B and a future outlook of “Stable.”

Ratings are based on current financial condition, the ability of an insurance company to pay future claims, the company’s management of its current debt load (both short and long-term), and the projected return on investments.

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