Introduction
Finding the perfect auto insurance company may be challenging, especially considering there are so many to choose from. Did you know that more than 90% of drivers choose an insurance plan based on cost and policy options? Are you a driver hunting for a trustworthy and economical option? United Auto Insurance might be something you want to look into.
United Car Insurance is a well-known and renowned organization in the vehicle insurance market. They aid drivers throughout the USA to protect their autos with tailored coverage selections and inexpensive charges. But is it genuinely the finest solution for 2025 drivers?
This in-depth review will go over what makes United Auto Insurance special, as well as its benefits and negatives and whether it satisfies your needs. After reading this article, you\’ll know everything you need to know to make an educated selection about your automobile insurance.
Let’s get started with some background.
United Auto Insurance is a privately owned company founded in 1979. Based in Miami Gardens, Florida with an office in Chicago, Illinois they’ve built a strong reputation over the years.
I’ll tell you what: they offer a wide range of insurance products. From auto and homeowners to renters, motorcycle, and commercial vehicle coverage, they’ve got you covered. Plus, they’re licensed in key states like Illinois, Indiana, and Florida, ensuring reliable and trusted service wherever you are.
What Are Customers Saying About United Auto Insurance?
When it comes to customer reviews, United Auto Insurance gets mixed comments. Some drivers praise their reasonable rates and helpful service, while others express anger over claims handling and support.
Let’s break it down:
- Better Business Bureau (BBB) – 1.11/5 stars (74 reviews)
- Yelp – 1.1/5 stars (256 reviews)
- Google – 4.4/5 stars (1,400+ reviews)
The low reviews on BBB and Yelp often note delays in claims handling and customer service problems. On the flip side, Google reviews paint a much more positive picture. Customers note fast service, helpful workers, and budget-friendly policies. However, some still mention worries over rising insurance prices and claims fights.
The Takeaway?
Different sites attract different types of comments. Unhappy customers are more likely to leave reviews on complaint-driven sites, while pleased customers often share good experiences elsewhere. That’s why it’s important to consider multiple sources when reviewing any insurance company.
Insurance Policies of United Auto Insurance?
United Auto Insurance offers a variety of insurance policies, including:
| Policy Type | Description |
| Automobile Insurance | Covers your car, truck, or SUV. Offers low rates and personalized coverage options |
| SR22 Insurance | An SR-22 is a certificate of financial responsibility required by the state for high-risk drivers |
| FR44 Insurance | An FR44 is a certificate of financial responsibility required in Virginia and Florida for drivers convicted of a DUI or other serious driving offense. |
| Non-owner’s policy | This policy provides liability coverage for drivers who do not own a vehicle but occasionally drive |
| Commercial Auto Insurance | This policy protects business vehicles |
| Homeowners Insurance | This policy protects your home and belongings from damage or loss |
| Renters Insurance | This policy protects your personal belongings in a rented property |
| Motorcycle Insurance | This policy protects your motorcycle from damage or loss |
| Roadside Assistance | This service includes towing, jumpstarts, flat tire assistance, and lockout services |
Bodily injury and property damage liability coverage is an important part of the vehicle insurance policy. This policy covers you financially if you cause an accident that injures someone or damages their property.
It covers medical bills, lost pay, illness, death, and property damage resulting from the accident. It also compensates for the pain and suffering that might come from the accident.
Save Significantly with United Auto Insurance Discounts
Looking for strategies to reduce your vehicle insurance premiums? United Auto Insurance provides many insurance discounts to assist customers to save money while still receiving adequate coverage.
Top Ways to Save on Auto Insurance Free Windshield Coverage – Covers windshield repairs (rock chips) with no out-of-pocket expenses and replacements with just a $50 deductible for each car on your policy.
- Low Mileage Discount: Drive fewer than 12,000 miles each year. You might save as much as 43% on your premium.
- Bundle your home and vehicle insurance for up to 20% savings.
- Multi-Car Discount: Have two or more vehicles? Insuring them jointly results in cheaper rates and larger savings.
- Safe Driver Discount: Maintain a clean driving record and get lower prices as a reward for careful driving.
- Car Insurance Renewal Discount: Maintaining coverage without gaps might result in further savings on renewal.
Why do these discounts matter?
By taking advantage of these coverage alternatives, you may save money on insurance while being completely covered. Additionally, combining insurance, having a safe driving record, and being consistent with your coverage might provide in long-term savings.
How to Contact United Auto Insurance Customer Service
Need help with your car insurance contract, claims process, or coverage options? United Auto Insurance offers multiple ways to get in touch with their customer help team. Whether you need to make a claim, change your policy, or ask about insurance savings, their agents are ready to help you.
Phone Support – Get Quick Assistance
- Main Customer Service Line: +1-801-226-2662
Claims Reporting: +1-877-875-8038 - Toll-Free Number: +1-866-686-4833
Their phone help is ideal for urgent questions, whether you need to make a claim, ask about your policy details, or request coverage changes.
Physical & Mailing Addresses
Want to reach United Auto Insurance by mail? Here’s where to send your correspondence:
- Physical Office Address: 4956 North 300 West #101 Provo, Utah 84604-5880
- Mailing Address for General Correspondence: PO Box 971000 Orem, UT 84097-1000
- Claims Mailing Address: PO Box 970069 Orem, UT 84097-0069
Fax Support – Send Important Documents
Need to fax important paperwork? You can send your papers to the proper department:
- Main Office Fax: 801-229-2662
- Claims Department Fax: 801-226-4005
Email Support – Convenient & Efficient
For non-urgent questions or to get help with your insurance via email, call United Auto Insurance support at:
support@unitedinsurance.com
Why Contact United Auto Insurance?
Whether you have questions about insurance renewals, coverage choices, available savings, or need to make a claim, their customer service team is ready to help. For faster help, have your insurance number or claim information ready when reaching out.
United Auto Insurance Financial Ratings & Stability
When picking a car insurance provider, it’s important to consider the company’s financial strength after all, you want peace of mind knowing your claims will be paid when needed.
A.M. Best Ratings & Financial Stability
United car Insurance deals in high-risk car insurance, but it is not currently ranked by A.M. Best. The company voluntarily pulled from A.M. Best’s rating process in 2016.
Before that, from 2013 to 2015, A.M. Best gave United Auto Insurance a Financial Strength Rating (FSR) of C (Weak) with a ”Negative” outlook. This grade showed that the company could face challenges in meeting financial responsibilities, including paying out future insurance claims.
Customer Complaints & Industry Standing
Despite the bad financial rating past, United Auto Insurance has gotten a below-average amount of customer complaints made with the National Association of Insurance Commissioners (NAIC). This shows that while financial security worries exist, customer happiness stays relatively stable.
What This Means for Policyholders
- United Auto Insurance remains a possible choice for high-risk drivers looking for coverage, despite its lack of a recent A.M. Best ranking.
- Lower-than-average customer issues could indicate good service for many clients.
- If financial security is a major worry, considering different insurance companies may be a smart move before making a final choice.
United Auto Insurance: Tools & Benefits for Policyholders
When choosing an auto insurance provider, having convenient tools and valuable benefits can make a big difference. United Auto Insurance offers several features designed to enhance customer experience, accessibility, and policy management.
24/7 Emergency Roadside Assistance
If you’re an Illinois policyholder, you’ll have access to 24-hour emergency road service, including:
Towing services for unexpected breakdowns
Lockout assistance if you’re locked out of your car
SR-22 Filing for High-Risk Drivers
Need an SR-22 certificate to prove financial responsibility? United Auto Insurance will handle the filing process on your behalf, helping you meet state requirements efficiently.
Multilingual Customer Support
United Auto Insurance understands the importance of clear communication. That’s why they offer customer service in English, Spanish, and Polish, ensuring language is never a barrier to getting the coverage you need.
Insurance Tips & Educational Resources
Not sure how insurance policies work? United Auto Insurance provides a dedicated repository of insurance tips on its website. You can find helpful articles covering:
Auto insurance basics
Homeowners insurance insights
Smart ways to save on coverage
Online Tools for Easy Policy Management
Managing your insurance has never been easier. United Auto Insurance offers digital tools that let you:
Get a free online car insurance quote
Check your policy status, billing, and coverage details
Store important insurance documents in a secure online portal
Stay Updated with News & Press Releases
Want to keep up with industry news, policy updates, and company announcements? United Auto Insurance provides regular press releases to keep customers informed.
Information on press releases and news for United Auto Insurance is scarce. The company’s Long-Term Issuer Credit Rating was downgraded from ”ccc+” to ”ccc” in 2016, according to one of the news releases that A.M. Best has issued about the business.
Why These Benefits Matter
Convenience – Handle everything online or with 24/7 support
Affordability – Access discounts and SR-22 filings for high-risk drivers
Accessibility – Multilingual support and an easy-to-use website
How United Auto Insurance Stacks Up Against Competitors
Comparing will always be necessary for balancing coverage, price, and service when it comes to choosing an auto insurance carrier.
United Auto Insurance primarily aims at high-risk drivers, with competitive rates available for those who have accidents or traffic violations on their driving record. But how does it stack up against some of the big dogs?
Let\’s break it down.
Where United Auto Insurance Stands Out
- Affordable Rates for High-Risk Drivers: United Auto Insurance might offer lower rates compared to national providers in case of a speeding ticket, accident history, or requirement for SR-22 insurance.
- Fewer Customer Complaints Than You Might Expect: Although it has some unfavorable online reviews, the company has fewer complaints on file with the NAIC than you\’d expect, suggesting reasonable customer satisfaction.
- Personalized Service Through Agents: Policies are sold through independent insurance agents, and this should be more personalized than what is experienced with large insurers.
Where It Falls Short
- Limited Coverage Options: Unlike the national brands, which offer add-ons like accident forgiveness or vanishing deductibles, United Auto Insurance has fewer ways to tailor a policy.
- Lack of Digital Policy Management: No mobile app or online claims filing; most tasks need to be handled over the phone or through an agent.
- Customer Service Concerns: While the Google reviews are good, other platforms like BBB and Yelp have poor claims handling and customer service experiences.
How does It compare to Larger Insurance Companies?
| Feature | United Auto Insurance | Major Competitors (Geico, State Farm, Progressive) |
| Best for High-Risk Drivers? | Yes | Some offer high-risk policies but at higher rates |
| Coverage Options | Limited | Comprehensive (accident forgiveness, roadside assistance, etc.) |
| Digital Tools & Mobile App | No | Yes, with policy management & claims tracking |
| Claims Process | Phone-based | Online & mobile claims filing available |
| Customer Service Ratings | Mixed (good on Google, poor on BBB/Yelp) | Generally higher satisfaction |
| Price for Low-Risk Drivers | Higher | More competitive for safe drivers |
Bottom Line: Is United Auto Insurance Right for You?
- If you’re a high-risk driver looking for budget-friendly coverage, this provider may be worth considering.
- If you are one of those people who rely more on digital tools, better claims support, and wider coverage options, then you might find more value somewhere else.
Comparing quotes from multiple insurers is necessary before you decide to choose the best for your needs.
United Auto Insurance Cost Breakdown: How It Compares
When looking to choose an auto insurance carrier, the price is usually a deciding factor. United Auto Insurance offers affordable premiums to high-risk drivers, but how does it compare to other insurance carriers in terms of pricing?
Average United Auto Insurance by Month
- Minimum Coverage (Liability-Only): $111/month
- Full Coverage (Liability + Collision + Comprehensive): $228/month
Your real car insurance premium may be more or less, depending on several factors, including your driving history, vehicle type, location, and credit score.
How Much Does United Auto Insurance Cost?
Your premium is determined by various insurance rating factors, which include:
- Driving Record – A clean record means lower rates, while accidents or violations increase costs.
- Location – Urban areas with higher accident rates may increase premiums.
- Vehicle Type – Luxury or sports cars cost more to insure than standard vehicles.
- Credit Score – Some insurers use credit history to determine risk.
- Coverage Limits – Opting for higher coverage limits raises costs but offers better protection.
| Insurance Company | Average Monthly Quote |
| State Auto | $203 |
| 21st Century | $234 |
| Infinity | $257 |
| Commonwealth Casualty | $281 |
Here’s the average cost of United Auto insurance by driver type:
| Driver Type | United Auto Average Quote | National Average |
| Drivers with a clean record | $111 | $105 |
| Drivers with a speeding ticket | $158 | $146 |
| Drivers with an at-fault accident | $163 | $152 |
| Drivers with a DUI | $185 | $173 |
| Teen drivers | $192 | $197 |
| Senior drivers | $81 | $81 |
Frequently Asked Questions (FAQs): United Auto Insurance
Here are the 10 most asked questions and their answers:
Is United Auto Insurance a reputable company?
Yes, United Auto Insurance has built a reputation as a reliable auto insurance provider in the regions it serves. While it may not be as large as some national giants like GEICO or State Farm, it is known for offering affordable rates and straightforward policies.
Many customers appreciate its focus on accessibility and ease of use, particularly for budget-conscious drivers. However, like any company, it has received mixed reviews regarding customer service and claims handling. To ensure they’re reputable in your area, check ratings on platforms like the Better Business Bureau (BBB) or Trustpilot before signing up.
How much does United Auto Insurance cost per month?
The cost of United Auto Insurance varies depending on factors like your location, driving history, vehicle type, and coverage level. On average, policyholders report monthly premiums ranging from $50 to $150.
Drivers with clean records and low mileage often qualify for lower rates, while those in high-risk categories may pay more. To get an accurate estimate, you can request a free quote directly from their website or speak with an agent.
Does United Auto Insurance offer discounts?
Absolutely! United Auto Insurance provides several insurance discounts to help drivers save money. Popular discounts include safe driver rewards, multi-policy bundling, good student incentives, and low-mileage programs.
They also occasionally run promotional offers for new customers. Be sure to ask your agent about all available discounts during the quoting process to maximize your savings.
Is United Auto Insurance available in all states?
No, United Auto Insurance is not available nationwide. It primarily operates in select states across the U.S., focusing on regions where affordable car insurance services are in high demand.
If you’re unsure whether they serve your area, visit their website or contact their customer support team to confirm availability.
What kind of coverage options does United Auto Insurance offer?
United Auto Insurance provides a variety of coverage options to suit different needs. These include liability coverage (required by law in most states), collision coverage, comprehensive coverage, and uninsured/underinsured motorist protection.
You can customize your policy to include additional features like roadside assistance or rental car reimbursement. Their flexible plans make it easy to tailor coverage to your specific situation.
How is the claims process with United Auto Insurance?
Most policyholders describe the claims process with United Auto Insurance as relatively smooth and efficient. The company offers multiple ways to file a claim online, via their mobile app, or over the phone and provides updates throughout the process.
However, some users have reported delays or communication issues in certain cases. To avoid complications, document all interactions and keep detailed records when filing a claim.
Can I bundle my home and auto insurance with United Auto Insurance?
Currently, United Auto Insurance focuses primarily on auto insurance services and does not offer homeowners or renters insurance directly. However, they may partner with other providers to help you bundle policies and save money.
If bundling is important to you, inquire with their agents to explore potential partnerships or alternative solutions.
Are there hidden fees with United Auto Insurance?
While United Auto Insurance strives to maintain transparency, some customers have reported unexpected fees related to policy adjustments, late payments, or cancellations.
To avoid surprises, carefully review your policy documents and ask your agent to clarify any unclear terms before signing up. Reading the fine print ensures you fully understand what you’re paying for.
Does United Auto Insurance cover high-risk drivers?
Yes, United Auto Insurance is known for working with high-risk drivers, including those with DUIs, traffic violations, or accidents on their record. While premiums may be higher for these individuals, the company aims to provide accessible coverage options even for challenging cases.
If you fall into this category, compare quotes from multiple providers to find the best rate.
How do I cancel my United Auto Insurance policy?
Canceling your United Auto Insurance policy is straightforward but requires attention to detail. Start by contacting their customer service team either online or by phone to initiate the cancellation. Be prepared to provide your policy number and reason for leaving.
Keep in mind that canceling mid-term may result in penalties or unpaid balances, so confirm the terms of your contract beforehand. Always request written confirmation of the cancellation to protect yourself from future billing disputes.
Final Thoughts on United Auto Insurance
United Auto Insurance is indeed a legit insurance company that provides auto, home, renters, motorcycle, and commercial vehicle policies.
Because this insurer is targeting mainly high-risk drivers, the slim list of its coverage options, the absence of digital policy management, and questions about its financial stability make it unsatisfactory for the majority of motorists.
Pros of United Auto Insurance:
Inexpensive rates for high-risk drivers
- SR-22 filing for drivers who require proof of financial responsibility,
- multilingual
- customer support in English, Spanish, and Polish,
- numerous discount opportunities that help lower the premium
Cons of United Auto Insurance
Smaller selection of coverage than bigger insurers
No mobile app or online claims process
Mixed customer reviews with some clapping for affordability and others frowning upon claim handling
Weaker financial rating raises concerns regarding claim payouts
Should You Use United Auto Insurance?
If you’re a high-risk driver needing minimum, affordable coverage or an SR-22 filing, United Auto Insurance might be a straightforward option to consider. Otherwise, customer-first, modern tools or well-rounded policyholders will get far better options elsewhere from major providers.
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With a little comparison to other companies’ quotes and a review of customer experiences, you may want to use United Auto Insurance.
