United Auto Insurance Review 2021: Overview & Rates

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United Auto Insurance (UAI) is headquartered in Chicago, IL and serves customers in Illinois and Indiana. Don’t be fooled by the name- besides car insurance, the company also offers home and renters insurance policies. The 50-year-old insurer is known for its low price and small pool of customers and specializes in last minute coverage. Whether you are a homeowner in Illinois or Indiana or need car insurance on a troubled driving record, United Auto can help you.

United Auto coverage options and discounts

United Auto offers car insurance coverage for all drivers, even teenagers and those with tickets or other issues on their driving record. They offer flexible payment plans and have several offices where clients can meet an agent and drop off payments.

Coverage

United Auto offers:

  • Increased liability coverage
  • SR-22
  • Motorcycle
  • Leased vehicles
  • Tow trucks
  • Taxi, limousine and other commercial vehicles
  • Teenage, young adult and high-risk driver coverage
  • Roadside assistance – an added option, available 24/7 and nationwide

Discounts

United Auto Insurance offers discounts like:

  • Multi-car – Insuring more than one vehicle on the same policy can reduce your rates.
  • Safe driver – When all drivers on the policy keep a clean driving record, this discount is automatically applied.
  • Renewal – Maintaining your policy with no lapses earns an automatic discount.

Details on these policies and discount packages are available by contacting an agent at United Auto.

United Auto Home Insurance

Although United Auto started by selling car insurance, they later branched out to other lines of insurance. Aside from auto insurance, the company is also known for its low-cost home insurance policy available to homeowners in Illinois and Indiana. No matter what your needs, you can have a policy customized just for you by talking to an agent. Quotes are available online or over the phone, and signing up for a policy takes only minutes.

Types of coverage

The standard homeowners insurance options offered by United Auto are:

  • Weather damage
  • Fire
  • Theft
  • Vandalism

The company website does not offer information about additional coverage options.

Discounts

The company website of United Auto insurance does not provide any information on discounts available on home insurance. For this reason, you need to call a representative of the company and discuss the various options and discounts available in your region.

United Auto ratings, reviews, customer satisfaction and complaints

Because United Auto has a limited service area, it hasn’t been ranked by credible third-parties such as JD Power. It does have an AM Best rating of C, which indicates that its financial strength is only average and that the company may struggle to pay out claims. United Auto is accredited by Better Business Bureau with a rating of A+.

Customers seem to be happy with the low price of United Auto but those who have had to file claims with the company aren’t satisfied. The negative reviews state the lack of 24/7 support, unusual increases in premium and the inability to reach an agent when needed. The provider’s weak financial position also raises the question of timely claim payouts.

Reasons why United Auto is a great option

United Auto Insurance is a great choice in Illinois and Indiana for homeowners on a budget and drivers with a history of accidents or claims. Here’s why:

  • Low rates – Their rates are competitive with or lower than other providers in the area.
  • Coverage for all – Whether you have a spotty driving record or bad credit or have been previously uninsured, buying a policy from United Auto is simple and easy.
  • Smaller company – If you don’t like being part of a larger national company, United Auto might be for you. A local agent will give you personal attention and you won’t get lost in the crowd.

Additional policies offered by United Auto

In addition to car and home insurance, United Auto offers renters and commercial insurance.

Frequently asked questions

What is the best auto insurance company?

With a large number of auto insurance companies nationwide, each provider has both pros and cons. What suits one person may not suit another, be it in terms of coverage or pricing. Remember that car insurance costs depend on a range of factors, including the type of vehicle, location, driving record and kind of coverage. To find out what works best for you, collect quotes from multiple insurers and compare them for the best coverage at the most reasonable price.

What is the best home insurance company?

Insurance is subjective and differs widely from one person to another. The location of your house will determine the amount you pay in insurance premiums, besides the size and age of the property. Therefore, the best insurance companies will be different for everyone depending on their needs and budget.

What forms of payment does United Auto accept?

United Auto will accept payment by Visa, MasterCard, Discover, American Express, Western Union Quick Collect and they can also take your personal check over the phone.

How do I file a United Auto Insurance claim?

You will need to call your closest United Auto office to file a claim. All claims will be processed by your insurance provider.

Written by
Cynthia Widmayer
Insurance Contributor
Cynthia Widmayer has over two years of experience as an insurance and personal finance writer. She covers home, car and life insurance products for Bankrate, the Simple Dollar, and Coverage.com, among others.