For their young driver advantages and simple proof of insurance requirements, our review team gave United Auto Insurance Company 4.0 out of 5.0 stars. When something unexpected happens in life, you must quickly purchase auto insurance. United Auto Insurance would be useful in situations like this. Should you choose United Auto or another provider, nevertheless, if you have more time to consider your options?
We’ll examine United Auto Insurance’s coverage options, discounts, and customer service in this post. If you discover that United Auto Insurance isn’t the finest provider for you, our research team has also examined the best auto insurance companies using the same criteria, and we’ll present a few recommendations.
United Auto Insurance received a score of 4.0 out of 5. It might be an excellent choice for young drivers or those who must meet SR-22 criteria. When you purchase, you receive excellent customer service, but this isn’t always the case when it comes to making an insurance claim. In the end, this is a mediocre business that will see you through until you locate a plan from a better supplier.
United Auto Pros and Cons
| United Auto Pros | United Auto Cons |
|---|---|
| Coverage for high-risk drivers | No app |
| Same-day SR-22 filing | No usage-based option |
| High customer ratings with the BBB | Underwriters can be hit-or-miss |
About United Auto Insurance
In Illinois and Indiana, United Motor Insurance Agency provides auto insurance coverage. The organisation also provides house and renters insurance products in addition to auto insurance. The company has been in operation for more than 50 years, and its areas of expertise include teen coverage and last-minute coverage.
It’s crucial to understand that United Auto Insurance does not actually underwrite insurance policies; rather, it just sells them. This indicates that United Auto collaborates with other insurance providers to manage claims. United Motor Insurance offers homeowners’ and renters’ insurance in addition to auto insurance.
It should be noted that there is a different provider called United Automobile Insurance Company (UAIC), which is also known as United Auto Insurance Company and is situated in Florida. The company we are discussing today is United Auto Insurance Agency; the other does not provide online prices and plans.
United Auto Insurance Coverage
Whether you reside in Illinois or Indiana, United Auto Insurance offers fundamental auto insurance coverage that both meets and exceeds your state’s legal minimums.
When you cause an accident, your bodily injury and property damage liability insurance (BI/PD) pays for other people’s repairs and medical expenses. Your car’s damage and your own medical expenses are covered by collision, comprehensive, medical payments (MedPay), and personal injury protection (PIP). If you are in an accident with a driver who is either uninsured or has insufficient insurance to cover your losses, uninsured and underinsured motorist (UM/UIM) coverage will pay for your repairs and medical expenses.
Almost any auto insurance provider offers all of those insurance plans. Additionally, United Auto Insurance provides a few extra choices. These consist of:
SR-22 insurance: After a driver is found guilty of a crime such a DUI or reckless driving, they must obtain an SR-22 certificate. SR-22 drivers cannot always be insured by auto insurance companies, but United Auto Insurance does.
Housing: United Auto Insurance provides coverage for tenants and homeowners.
Motorcycle: Options for motorcycle insurance coverage include insurance for accessories and guest passengers.
Commercial vehicle insurance: The business provides protection for any kind of vehicle that a small or medium-sized business might utilise, including limos, taxis, and other vehicles.
Roadside assistance: Members around the country can take advantage of the program’s jump-start, towing, spare tyre installation, and mechanical support services.
Finally, here are a few things that United Auto Insurance does not offer:
- Rideshare coverage (for Uber drivers, Lyft drivers, etc.)
- Guaranteed asset protection (GAP) insurance
- Usage-based insurance
United Auto Insurance Cost
According to our study, a driver’s annual premium for comprehensive auto insurance is $1,732. The U.S. Department of Treasury conducted a research in 2017 that found that Illinois pays skilled drivers around 22% less than the national average.
Your area, other drivers on your policy, your driving record, and your credit score are just a few of the factors that might affect the auto insurance rates you receive from United Auto Insurance. Your price is specifically influenced by your age; young people can pay up to five times as much as someone in their middle years.
In order to give you a better idea of what you anticipate to pay, we gathered information on the most affordable providers per state. The prices listed below assume a 35-year-old married driver with a clean driving record.
| State | Nationwide Anual Cost Estimate | State Average Cost Estimate |
|---|---|---|
| Alabama | $1,024 | $1,448 |
| Arkansas | $1,192 | $1,449 |
| Colorado | $1,323 | $1,672 |
| Connecticut | $1,683 | $1,885 |
| Delaware | $1,550 | $1,921 |
| Washington, D.C. | $2,537 | $1,787 |
| Georgia | $1,255 | $1,548 |
| Iowa | $871 | $1,095 |
| Kansas | $1,069 | $1,364 |
| Kentucky | $4,913 | $1,817 |
| Maryland | $1,698 | $1,941 |
| Mississippi | $1,217 | $1,357 |
| Montana | $1,495 | $2,214 |
| Nebraska | $929 | $1,372 |
| New Mexico | $1,130 | $1,356 |
| New York | $5,485 | $3,964 |
| North Carolina | $1,118 | $1,277 |
| Ohio | $703 | $923 |
| Oregon | $1,067 | $1,284 |
| Pennsylvania | $1,228 | $1,405 |
| Rhode Island | $1,963 | $1,923 |
| South Carolina | $1,380 | $1,592 |
| South Dakota | $968 | $1,331 |
| Tennessee | $1,220 | $1,217 |
| Texas | $1,558 | $2,067 |
| Vermont | $871 | $1,013 |
| Virginia | $928 | $1,079 |
| Washington | $1,166 | $1,271 |
| West Virginia | $961 | $1,390 |
United Auto Insurance Discounts
A few savings are available to policyholders through United Auto Insurance. The insurance company provides the following reductions:
Multi-car: If you insure two or more vehicles under the same policy, you may be eligible for a discount.
Safe driver: If you have a clean driving record for an extended period of time, you may be eligible for a discount.
When you keep coverage for a predetermined amount of time without any gaps in coverage, United Auto Insurance will give you a discount on your renewal.
Discounts are automatically applied when you qualify and range in size for each of the aforementioned.
How to File United Auto Insurance Claims
It can be difficult to submit a claim with United Auto Insurance. Since United Auto Insurance is an insurance brokerage, as we previously indicated, it does not underwrite any of its own policies. It uses roughly a dozen additional businesses to underwrite insurance.
You must get in touch with your underwriting firm to submit a claim. On their websites, some businesses offer straightforward claim forms, while others only let you call a phone number. The good news is that after you sign up, you’ll receive detailed instructions on which company to contact.
United Auto Insurance Customer Reviews
Reviews of United Auto Insurance often point to high levels of client satisfaction. The business has an accreditation from the BBB and an A+ rating, but it also has over 70 customer reviews with a 1.04 out of 5 star rating. There are 200 reviews on its Yelp page, with a 1.0 out of 5.0 star average.
Positive United Auto Insurance Reviews
Fantastic pricing! The representatives you talk to are excellent. Joyce was mine, and she assisted me in obtaining insurance. She was fantastic [and] swift.
- Jameika via BBB
“I’d like to submit my evaluation of United Auto Insurance again. They called to check on me to see if everything was alright, and they did assist me, so I appreciate it. However, [the third-party] company is a another matter.
Terina through BBB
United Auto Insurance Company: Conclusion
We gave United Auto Insurance 4.0 stars out of 5.0 for their excellent teen driver benefits and quick proof of insurance filing process. When compared to the national average, United Auto Insurance can be a great option for car insurance. There are also numerous options for homeowners and renters insurance. However, the company only covers residents of Illinois and Indiana. We always recommend that you shop around and compare terms before committing to anything when selecting an insurance provider.
