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United Auto Insurance review 2024

Updated May 24, 2024
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At a glance

Bankrate's take

United Auto Insurance might be a good choice for those looking for multilingual service in English, Spanish and Polish, but coverage is only available in two states, and digital services are limited.

  • Same-day sR-22 filing available
  • No mobile app and website has limited functionality
  • Policies are only available in parts of Illinois and Indiana
  • Offers motorcycle and commercial policies
CTA We want to know what you think about United Auto

We want to know what you think about United Auto

Do you have experience with United Auto? Let us know your thoughts.

United Auto car insurance review

United Auto Insurance may be a competitive option for drivers with high-risk incidents on their record who still want affordable coverage, or for drivers who need coverage quickly — as the company states that it specializes in “last minute coverage.”

The company offers standard auto insurance coverage options. In addition, it files SR-22s on drivers’ behalfs and offers taxi, limousine, commercial vehicle and motorcycle insurance. If you’re looking for roadside assistance, UAI offers 24-hour emergency road service in the state of Illinois, which includes towing and lockout services. Currently, the company is not rated by AM Best, Standard & Poor’s (S&P) or J.D. Power.

Pros and cons of United Auto car insurance

If you are considering United Auto car insurance, it can be helpful to look into it as a carrier when comparing car insurance companies. Some advantages and disadvantages to consider are:

Green circle with a checkmark inside


  • Offers same-day coverage with proof of insurance and SR-22 filing for those who qualify
  • Non-owner car insurance policies available
  • Offers multilingual service in English, Spanish and Polish
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  • Car insurance only available in Illinois and Indiana
  • Not rated by third-party agencies for customer service and financial strength
  • No mobile app
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United Auto car insurance cost

Average car insurance rates for United Auto insurance are unavailable, but the national annual average cost of car insurance is $2,278 for full coverage and $621 for minimum coverage. Your actual rates with United Auto car insurance may be higher or lower depending on your car insurance rating factors. The best way to find out your exact rate is to get a quote directly from United Auto and compare it to a few other insurance companies.

United Auto customer satisfaction

Third-party ratings can help you understand how current customers feel about the quality of service and coverage they receive from an insurance provider. Companies like J.D. Power produce studies each year that rate and rank insurers based on their customer satisfaction across multiple categories. J.D. Power does not have a ranking for United Auto, likely due to its limited availability.

United Auto car insurance customer complaints

As a smaller insurance company that only operates in two states, United Auto’s insurance policies aren’t rated by third-party agencies like J.D. Power for customer service. It also has no history in the National Association of Insurance Comissioners’s Complaint Index. Additionally, the carrier is not rated by AM Best or Standard & Poor’s for financial strength.

United Auto car insurance discounts

If you're wondering how to lower your car insurance, United Auto offers a few car insurance discounts for eligible drivers. These include:

  • Car insurance renewal discount: This discount may apply to drivers who go a set period of time without experiencing a lapse in coverage.
  • Multi-car discount: If you have more than one vehicle insured with United Auto, you might save money with the carrier.
  • Safe driver discount: If you go a certain amount of time without driving incidents, you might see a decrease in your car insurance rate.

Get personalized auto insurance quotes

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Compare United Auto with other insurers

If United Auto isn’t the right choice for you, it may be helpful to consider quotes from these comparable car insurance companies:

United Auto vs. State Farm

State Farm was deemed one of the best home insurance companies and one of the best auto insurance companies overall in the 2023 Bankrate Awards, which may make it a top consideration for those looking to bundle their coverage. State Farm offers generally low premiums, nearly nationwide coverage and high customer satisfaction. However, the carrier may not offer coverage to high-risk drivers with DUIs as readily as United Auto.

Learn more: State Farm Insurance review

United Auto vs. USAA

If you’re a member of the U.S. military, a veteran or a qualifying family member, you may want to look into USAA insurance. USAA offers low average premiums and consistently scores highly in J.D. Power customer satisfaction surveys for home and auto.

Learn more: USAA Insurance review

United Auto vs. Geico

If you’re looking for a company that generally offers policies to high-risk drivers and has nationwide availability, you may want to get a quote from Geico. Its coverage is relatively basic, but the company offers a longer list of discounts than UAI.

Learn more: Geico Insurance review

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Why you can trust Bankrate

Read our full methodology

Our insurance editorial team includes licensed agents with decades of combined experience, and we used our intimate knowledge of the industry to conduct this in-depth United Auto Insurance review.


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quotes analyzed

Is United Auto a good insurance company?

In summarizing this United Auto Insurance review, the carrier might be worthy of consideration for high-risk drivers that need immediate coverage, especially if trying to avoid penalties in Illinois. The company offers same-day coverage and SR-22 filing for those who qualify. Those who want to carry their homeowners insurance with the same provider may also find it convenient to bundle policies with United Auto Insurance. Additionally, drivers who speak Spanish or Polish as a first language will likely appreciate its multilingual services.

However, there is limited information regarding its average home and car insurance rates to indicate how much drivers could potentially save compared to the state and national average. The company also does not offer any digital policy management or claims reporting tools.

Coverage from United Auto is limited to two states and is not rated by third-party companies for customer service and financial strength.

What are real-life customers saying about United Auto?

To gain a clear picture of the current customer experience with United Auto Insurance, Bankrate's insurance editorial team has evaluated reviews from multiple online platforms. Google and Yelp reviews paint a vastly different picture of United Auto Insurance, and we are here to provide you with some helpful insight.


Currently, Yelp has 53 comments toward United Auto Insurance and with a 1.4 out of 5 star rating, the comments are not very positive. Most of the comments are several years old and speak to poor claims service. Other reviews state confusion in paperwork, long hold times and challenging agent interactions.


On the flip side, Google has more than 1,400 reviews for United Auto Insurance and they score 4.4 out of five stars. These reviews rave about fast customer service, helpful agents and affordable car insurance rates. Negative comments touch on the rising cost of auto insurance and poor claim experience.

Google user 1
Jan 1, 2023
I had to call the insurance after wanting to get...
“I had to call the insurance after wanting to get a quote online & having to fill out an SR-22. It is my first time doing something like this. When I called, Felicia (who I was on the phone with) asked me some questions to get a better understanding for my quote. She was very informative and made me feel confident in my decision to be insured through this establishment after going through the trouble to provide me a quote. I'm very content with how she was able to help me out and I'm very grateful for this insurance.”
Google user 2
Jan 1, 2023
No one ever called me back after the lady said...
“No one ever called me back after the lady said she would. Therefore, I went with another insurance company. They didn't have the professionalism to follow-up, which was a serious red flag for me.”

United Auto company details

If you are considering United Auto as your insurance provider, here are ways to contact an agent to inquire about a quote or to ask any other questions you may have:

  • For customer service, call 1-773-202-5000. An agent is available Monday through Friday 8 a.m. to 8 pm and on Saturdays 8 a.m to 5 p.m.
  • You can email United Auto at
  • You can get insurance quotes or learn more about United Auto on their website.

State availability

Both United Auto insurance home and auto policies are only available in Illinois and Indiana, specifically Chicagoland and Northwest Indiana.

United Auto tools and benefits

Beyond home and auto insurance, you may want to consider the following perks that could make UAI the right provider for you.

  • Renters insurance: In addition to personal property coverage, UAI renters insurance offers policies to cover liability for personal injuries that may occur at your place. It also offers living expense coverage to cover additional costs you incur while your home is being repaired following a covered claim.
  • Motorcycle insurance: UAI offers standard motorcycle coverage types as well as excursion diversion, rental coverage and roadside assistance for motorcycles.
  • Commercial vehicle insurance: If you use your vehicle for business purposes, such as delivery, service visits, taxi driving, sales calls and more, you may want to purchase commercial car insurance, which could help protect your finances while driving for business.
  • Insurance tip repository: UAI’s website includes a list of advice articles on home and car insurance that you may find useful.
  • Site version for Spanish speakers: UAI has an identical version of its website that’s written in Spanish for added accessibility and better customer service for Spanish speakers.
  • SR-22 filing: If you are required to file an SR-22 with your state following a driving infraction like a DUI or lapse in coverage, UAI may be able to do this on your behalf.

Frequently asked questions about United Auto

Written by
Shannon Martin
Writer, Insurance
Shannon Martin is a licensed insurance agent and Bankrate analyst with over 15 years of experience in the industry. She enjoys helping others navigate the insurance world by cutting through complex jargon and empowering readers to make strong financial decisions independently.
Edited by Editor, Insurance