Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
United Auto Insurance review 2023
At a glance
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About Bankrate Score
Bottom Line
United Auto Insurance might be a good choice for those looking for bilingual service in English, Spanish and Polish but coverage is only available in two states and digital services are limited.
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Offers last-minute coverage and same-day SR-22 filing
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Provides service in English, Spanish and Polish
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Advertises low rates, even for drivers with tickets on their driving record
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Only available in two states
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No online claims filing
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No mobile app
United Auto car insurance
United Auto Insurance may be a competitive option for drivers with tickets 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:
PROS
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Last minute coverage with proof of insurance can be obtained by those who qualify
Non-owner car insurance policies available
Car insurance policies are electronically filed to fulfill Illinois’ ILIVS requirement that all drivers carry an active and valid car insurance policy
CONS
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Car insurance only available in Illinois and Indiana
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Not rated by third-party agencies for customer service and financial strength
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No mobile app
Advertising DisclosureThis advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.Shop rates and compare quotes
Get personalized auto insurance quotes by answering a few quick questionsPlease select ageNo spam. No fees. No surprises.Quick factsSave $610 on average this year by shopping for new car insuranceRates vary by state up to 246%The average American pays $145/month for auto insurancePowered by Coverage.com (NPN: 19966249)Insurance DisclosureCoverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
United Auto car insurance cost
Average car insurance rates for United Auto insurance are unavailable. Your actual rates with United Auto car insurance may be higher or lower depending on a variety of car insurance rating factors.
United Auto car insurance discounts
Wondering how to lower your car insurance? United Auto offers a few common car insurance discounts, including savings for multi-car policies and being a safe driver. One of its more unique discounts is its car insurance renewal discount.
If your car insurance remains in force without any lapses for a certain amount of time, you may qualify for this discount and have savings automatically applied. However, exact discount amounts will vary.If you have more than one vehicle and insure all your vehicles on one policy, you might save money with United Auto.If you go a certain amount of time without driving incidents, you might see a decrease in your car insurance rate.United Auto car tools and benefits
United Auto does not advertise any extra services for car insurance policyholders.
United Auto home insurance
Contrary to what its name may suggest, United Auto Insurance also offers homeowners insurance policies to financially protect your home and personal belongings. United Auto home insurance offers basic home policies in Indiana and Illinois, including standard coverage types for property damage and other covered losses. The website allows you to easily get a quick online quote. Or, if you prefer, you can call the company and have an agent generate your quote.
UAI may be a good option for Illinois and Indiana residents who are looking for a local homeowners insurance provider with basic coverage options.
Pros and cons of United Auto homeowners insurance
If you’re thinking about whether or not United Auto homeowners insurance is right for you, here are some things to think about. Requesting and comparing home insurance quotes from more than one company is the best way to see which will fit your needs and budget, especially if you’re looking for cheap home insurance.
PROS
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Local agents can be reached for more tailored assistance
An online form is available to fill out for quotes, though an immediate estimate isn’t available
CONS
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Only available to Illinois and Indiana residents
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Mobile app for policy management is not available
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Scarce information available about United Auto’s home insurance policies on its site
United Auto home insurance cost
The average cost of a United Auto home insurance policy isn’t available.
United Auto home insurance discounts
United Auto Insurance does not advertise any home insurance discounts. If you’re looking for savings opportunities, you may want to talk with an insurance agent who represents the company one-on-one to see if there are any ways you can lower your premium.
United Auto home tools and benefits
Similar to its auto insurance, United Auto does not advertise any additional services for its home insurance policy holders.
United Auto customer satisfaction
As a smaller insurance company that only operates in two states, United Auto’s home and auto 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 Commissioners’s Complaint Index. Additionally, the carrier is not rated by AM Best or Standard & Poor’s for financial strength.
How to file a claim with United Auto
To file a claim, United Auto recommends getting in touch with the company directly. This could be your local insurance agent with United Auto. There are many call center phone numbers for Illinois policyholders, depending on location, while Indiana has only one number.
United Auto availability
United Auto insurance policies are only available in Illinois and Indiana, specifically Chicagoland and Northwest Indiana.
Other United Auto perks worth considering
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 if you need a place to stay while your rented home is being repaired.
- 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 in the event of an accident.
- 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: UAI files SR-22s on behalf of policyholders. It is often required for drivers in Illinois with one or more negative marks on their motor vehicle report, such as license suspensions or revocations, multiple traffic offenses and auto insurance coverage lapses. This document notifies the Illinois Secretary of State that a driver carries the minimum liability insurance required in the state.
United Auto corporate sustainability
United Auto Insurance does not share any community outreach or corporate sustainability efforts on its website.
Not sure if United Auto is right for you?
If United Auto isn’t the right choice for you, it may be helpful to consider some comparable options from the car insurance companies listed below:
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 2022 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.
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
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 have 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 bilingual 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.
46years of industry expertise122carriers reviewed20.7KZIP codes examined1.2Mquotes analyzed