United Automobile Insurance Company Review in 2025
United Automobile Insurance Company (UAIC) offers competitive rates starting at $150/month, making it a strong choice for high-risk drivers seeking affordable coverage. This UAIC auto insurance review highlights its specialized nonstandard options, though some users report customer service issues as a downside.
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Table of Contents
Table of Contents
Insurance and Finance Writer
Alexandra Arcand is an outreach administrator and insurance expert located in North Central Ohio. She has a passion for writing, investing, and education. As an insurance content writer for over three years, Alexandra has first-hand experience in business finance, economics, and real estate. She leads an outreach writing team that specializes in travel, real estate, healthcare, law, finance, an...
Alexandra Arcand
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Eric Stauffer
Updated December 2024
This auto insurance review highlights two key benefits of United Automobile Insurance Company (UAIC): affordable rates starting at $150 per month and a focus on nonstandard auto insurance for high-risk drivers with poor driving records.
While UAIC provides essential coverage at competitive prices, some users report challenges with customer service and accessing their websites. For further details, check out our in-depth “Comprehensive Auto Insurance Defined ” article.
UAIC is ideal for high-risk drivers who may struggle to find affordable options elsewhere, but drivers with clean records might find better rates with other insurers. To ensure the best coverage for your needs, always compare multiple insurance quotes.
UAIC Auto Insurance Rating
| Rating Criteria |  |
|---|---|
| Overall Score | 2.8 |
| Business Reviews | 3 |
| Claim Processing | 1.8 |
| Company Reputation | 2.5 |
| Coverage Availability | 2.5 |
| Coverage Value | 2.8 |
| Customer Satisfaction | 2.3 |
| Digital Experience | 2.5 |
| Discounts Available | 3.3 |
| Insurance Cost | 3.2 |
| Plan Personalization | 2.5 |
| Policy Options | 3.1 |
| Savings Potential | 3.2 |
Explore your car insurance options by entering your ZIP code below and finding which companies have the lowest rates.
- UAIC offers competitive starting rates at $150 per month for auto insurance
- Ideal for high-risk drivers seeking affordable coverage options
- Customers appreciate UAIC’s flexible payment plans and claims process
What You Should Know About United Automobile Insurance Company (UAIC)
If you’re exploring auto insurance options, United Automobile Insurance Company (UAIC) deserves your attention. Known for its budget-friendly rates and flexible coverage, UAIC caters especially to high-risk drivers.
UAIC Car Insurance Monthly Rates vs. Top Competitors by Age & Gender
| Insurance Company | Age: 17 Male | Age: 17 Female | Age: 25 Male | Age: 25 Female | Age: 35 Male | Age: 35 Female | Age: 60 Male | Age: 60 Female |
|---|---|---|---|---|---|---|---|---|
 | $670 | $600 | $350 | $300 | $240 | $230 | $200 | $190 |
 | $650 | $580 | $320 | $290 | $230 | $220 | $190 | $180 |
 | $640 | $570 | $310 | $280 | $230 | $220 | $180 | $175 |
 | $630 | $560 | $300 | $270 | $220 | $210 | $180 | $170 |
 | $660 | $590 | $340 | $310 | $240 | $230 | $200 | $190 |
 | $453 | $400 | $230 | $210 | $150 | $140 | $130 | $120 |
 | $670 | $610 | $330 | $300 | $230 | $220 | $210 | $200 |
 | $664 | $600 | $310 | $290 | $230 | $220 | $200 | $190 |
 | $469 | $420 | $270 | $240 | $170 | $160 | $140 | $130 |
| $640 | $575 | $315 | $290 | $250 | $230 | $210 | $200 |
This review will examine United Automobile Insurance Company (UAIC) ‘s key features, benefits, and potential drawbacks. From its non-standard insurance offerings to its specialized services, we’ll explore what makes UAIC an option for drivers that are having a hard time on getting the right coverage from other companies that fit on their needs.
UAIC Auto Insurance Monthly Rates by Driving History
Driving History Minimum Coverage Full Coverage
1 Accident $175 $300
1 DUI $250 $450
1 Ticket $150 $275
Clean Record $155 $255
This review is detailed to provide UIC’s policies for high-risk drivers curious about their claims process or seeking information on payment options. We’ll also examine UAIC’s customer service, mobile app, and tools to streamline the insurance experience.
UAIC Business Insurance Ratings
| Agency | |
|---|---|
 | Score: 825 / 1,000 Above Avg. Satisfaction |
 | Score: A+ Excellent Business Practices |
 | Score: 73/100 Avg. Customer Satisfaction |
 | Score: 1.25 Slightly Above Avg. Complaints |
 | Score: A Excellent Financial Strength |
By the end, you’ll have a clear understanding of whether UAIC is the right choice for your insurance needs and important considerations before committing to a policy. This guide will equip you with everything necessary to make a confident and informed decision about your auto insurance coverage. Get more insights by reading our expert “How to Ask an Auto Insurance Company for Quotes” advice.
United Automobile Insurance Company is licensed to sell insurance products in 12 states including. UAIC’s corporate offices are located in Miami, Florida, although the company does not welcome visitors there.
Its address is:
1313 North West 167th Street
Miami Gardens, Florida 33169
And you can reach them by phone at 305-430-8818.
The company also maintains a P.O. Box address for each of the states in which it provides services.
In the contact section of its website, you will find that UAIC lists a single phone number for each state in which it is located. However, the site is glitchy and the “Contact Us” page isn’t working correctly at this time.
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How to Contact UAIC Agents
United Automobile Insurance Company uses the services of independent agents to sell its insurance products. Once you have purchased an auto insurance policy through an agent, you can renew your policy online directly with the company. For more information, explore our informative “Types of Auto Insurance” page.
UAIC does not currently offer an online agent to assist customers in locating a local insurance agent. Therefore, you need to take additional steps to try to locate a local insurance agent since UAIC lacks online tools to assist customers.
UAIC Car Insurance Monthly Rates by Provider & Driving Record
| Insurance Company | One Accident | One DUI | One Ticket | Clean Record |
|---|---|---|---|---|
| $713 | $775 | $410 | $410 |
| $150 | $169 | $132 | $124 |
| $320 | $260 | $260 | $250 |
| $219 | $267 | $267 | $160 |
| $225 | $198 | $198 | $181 |
| $435 | $292 | $267 | $160 |
| $147 | $136 | $136 | $127 |
| $245 | $216 | $216 | $210 |
| $327 | $197 | $252 | $252 |
| $200 | $561 | $252 | $170 |
The most direct way to contact UAIC is to call the direct customer care number. Having a conversation with a live representative is the quickest way to get the information needed, whether it is finding an agent nearby or addressing some inquiries about policies and coverage.
Exploring Career Opportunities at UAIC
UAIC currently has job openings in three main areas: Claims, Legal, and Underwriting. Their website is trying to promote online job openings so visitors may frequently check the job openings available, including Accounting, Corporate and executive roles, and IT.
To apply for a position, candidates must complete a job application instead of submitting a resume. To locate the open position, however, users must examine each category on the website, such as accounting, IT roles, and so on. The site does not offer a facility for searching for specific occupations.
There are several benefits offered to full-time employees of UAIC, which include:
- Health insurance
- 401(k) savings plan
- Life insurance
- Accidental death insurance
- Paid holidays
United Automobile Insurance shares information about upcoming job fairs on its website. While the company isn’t participating in any fairs at the moment, it encourages visitors to check back often for the latest updates. For further details, check out our in-depth “Do auto insurance companies check employment status?” article.
United Automobile Insurance Company (UAIC) Insurance Coverage Options
When finding the right insurance, United Automobile Insurance Company (UAIC) offers different types of protection options that can be customized by the customers that fit on their needs. For additional insights, discover our comprehensive guide to “Auto Insurance Coverage.”
UAIC Car Insurance Coverage Options
| Coverage | Description |
|---|---|
| Liability Coverage | Covers injury and property damage you cause to others |
| Comprehensive Coverage | Pays for non-collision damages like theft or natural events |
| Collision Coverage | Covers damage from collisions |
| Uninsured/Underinsured Motorist | Protects in accidents with uninsured/underinsured drivers |
| Medical Payments (MedPay) | Covers medical expenses for you and passengers |
| Personal Injury Protection (PIP) | Covers medical expenses and lost wages |
| Rental Reimbursement | Pays for rental car during repairs after an accident |
| Roadside Assistance | Provides towing, jump-starts, and flat tire services |
| SR-22/FR-44 Insurance | Proof of insurance for high-risk drivers |
| Towing Coverage | Covers towing costs after a breakdown |
To help you understand how UAIC can protect you and your car, this is the research examining the many options for coverage that the company offers.
UAIC Car Insurance Discounts
| Discount | Savings | Description |
|---|---|---|
| Safe Driver | 20% | For drivers with no accidents or violations over a set period |
| Multi-Car | 25% | Applies when insuring more than one vehicle on the same policy |
| Homeowners | 10% | Given to policyholders who own their homes |
| Paid-in-Full | 10% | When the policy premium is paid in full upfront, rather than in installments |
| Multi-Policy | 15% | For bundling car insurance with other types of insurance like home or renters insurance |
| Good Student | 15% | For students maintaining a certain GPA, typically a B average or better |
| Driver Education | 10% | For young drivers who complete a driver’s education course |
| Anti-Theft Device | 5% | Applied if your car is equipped with an approved anti-theft device |
| Defensive Driving Course | 10% | For completing an approved defensive driving course |
| Electronic Funds Transfer (EFT) | 5% | For setting up automatic payments through electronic funds transfer |
Whether you’re a new driver or considering switching providers, UAIC offers a range of policies designed to meet your specific needs. From standard to comprehensive coverage, we’ll break down what each option covers and how it can safeguard you on the road.
UAIC stands out for its affordability, especially for high-risk drivers, making it a smart choice for those seeking budget-friendly auto insurance options.Justin Wright Licensed Insurance Agent
In straightforward terms, non-standard insurance caters to individuals who may be challenging to insure, including those deemed uninsurable.
The types of people who might qualify for non-standard insurance are:
- Drivers with one or more DUI/DWI convictions
- Teen drivers
- Drivers with a lot of accident claims
- Drivers with a lot of points on their license
Individuals without high-risk characteristics can still consider UAIC for their auto insurance; however, they may find more suitable options with other insurers. Additionally, A.M. Best has retracted its UAIC rating at the company’s request. See if you’re getting the best deal on car insurance by entering your ZIP code below.
Frequently Asked Questions
What do United Automobile Insurance Company reviews typically mention?
United Automobile Insurance Company reviews often highlight their affordability, but some customers report mixed experiences with claims handling and customer service responsiveness.
How can I contact the UAIC roadside assistance phone number?
To reach the UAIC roadside assistance phone number, customers can check their insurance card or log in to the UAIC app for up-to-date contact information.
Is United Automobile Insurance Co Progressive affiliated?
No, United Automobile Insurance Co is not affiliated with Progressive; they are two separate companies with their own insurance products.
Discover our comprehensive guide to “Where can I compare online auto insurance companies?” for additional insights.
What can I do with the UAIC app?
The UAIC app allows you to manage your policy, make payments, access your ID cards, and even file a claim from your mobile device.
What types of coverage does UAIC auto insurance offer?
UAIC auto insurance provides standard coverage options, including liability, comprehensive, and collision, tailored to meet state requirements.
How do I get UAIC car insurance?
You can obtain UAIC car insurance by visiting their website for a quote or contacting a licensed agent who can guide you through the process.
For further details, check out our in-depth “How to Get Fast and Free Auto Insurance Quotes” article.
Can I get UAIC car insurance quotes online?
Yes, UAIC car insurance quotes are available online. Simply visit the UAIC website and enter your details to receive a personalized quote.
How do I file a UAIC claim?
To file a UAIC claim, you can either use the UAIC app, visit their website, or call their claims department for step-by-step guidance on the process.
Explore your car insurance options by entering your ZIP code below and finding which companies have the lowest rates.
What should I expect from the UAIC claims process?
The UAIC claims process involves submitting a report, providing supporting documents, and working with an adjuster to assess the damages and settle your claim.
Learn more by visiting our detailed “Auto Insurance Claims” section.
What is UAIC FL PPD ACH, and how does it work?
UAIC FL PPD ACH refers to UAIC’s Florida Preauthorized Payment program, which allows policyholders to set up automatic payments through ACH transfers.
How do I make a UAIC insurance payment?
How do I obtain a UAIC insurance quote?
Can I make a UAIC payment online?
How do I check my UAIC claim status?
Your Opinion Matters!
Rate your insurance provider and provide share feedback with shoppers just like you.
What is the UAIC claims email for submitting documents?
United Automobile Insurance Company reviews often highlight their affordability, but some customers report mixed experiences with claims handling and customer service responsiveness.
To reach the UAIC roadside assistance phone number, customers can check their insurance card or log in to the UAIC app for up-to-date contact information.
Is United Automobile Insurance Co Progressive affiliated?
No, United Automobile Insurance Co is not affiliated with Progressive; they are two separate companies with their own insurance products.
Discover our comprehensive guide to “Where can I compare online auto insurance companies?” for additional insights.
What can I do with the UAIC app?
The UAIC app allows you to manage your policy, make payments, access your ID cards, and even file a claim from your mobile device.
What types of coverage does UAIC auto insurance offer?
UAIC auto insurance provides standard coverage options, including liability, comprehensive, and collision, tailored to meet state requirements.
How do I get UAIC car insurance?
You can obtain UAIC car insurance by visiting their website for a quote or contacting a licensed agent who can guide you through the process.
For further details, check out our in-depth “How to Get Fast and Free Auto Insurance Quotes” article.
Can I get UAIC car insurance quotes online?
Yes, UAIC car insurance quotes are available online. Simply visit the UAIC website and enter your details to receive a personalized quote.
How do I file a UAIC claim?
To file a UAIC claim, you can either use the UAIC app, visit their website, or call their claims department for step-by-step guidance on the process.
Explore your car insurance options by entering your ZIP code below and finding which companies have the lowest rates.
What should I expect from the UAIC claims process?
The UAIC claims process involves submitting a report, providing supporting documents, and working with an adjuster to assess the damages and settle your claim.
Learn more by visiting our detailed “Auto Insurance Claims” section.
What is UAIC FL PPD ACH, and how does it work?
UAIC FL PPD ACH refers to UAIC’s Florida Preauthorized Payment program, which allows policyholders to set up automatic payments through ACH transfers.
How do I make a UAIC insurance payment?
How do I obtain a UAIC insurance quote?
Can I make a UAIC payment online?
How do I check my UAIC claim status?
Your Opinion Matters!
Rate your insurance provider and provide share feedback with shoppers just like you.
What is the UAIC claims email for submitting documents?
No, United Automobile Insurance Co is not affiliated with Progressive; they are two separate companies with their own insurance products.
Discover our comprehensive guide to “Where can I compare online auto insurance companies?” for additional insights.
The UAIC app allows you to manage your policy, make payments, access your ID cards, and even file a claim from your mobile device.
What types of coverage does UAIC auto insurance offer?
UAIC auto insurance provides standard coverage options, including liability, comprehensive, and collision, tailored to meet state requirements.
How do I get UAIC car insurance?
You can obtain UAIC car insurance by visiting their website for a quote or contacting a licensed agent who can guide you through the process.
For further details, check out our in-depth “How to Get Fast and Free Auto Insurance Quotes” article.
Can I get UAIC car insurance quotes online?
Yes, UAIC car insurance quotes are available online. Simply visit the UAIC website and enter your details to receive a personalized quote.
How do I file a UAIC claim?
To file a UAIC claim, you can either use the UAIC app, visit their website, or call their claims department for step-by-step guidance on the process.
Explore your car insurance options by entering your ZIP code below and finding which companies have the lowest rates.
What should I expect from the UAIC claims process?
The UAIC claims process involves submitting a report, providing supporting documents, and working with an adjuster to assess the damages and settle your claim.
Learn more by visiting our detailed “Auto Insurance Claims” section.
What is UAIC FL PPD ACH, and how does it work?
UAIC FL PPD ACH refers to UAIC’s Florida Preauthorized Payment program, which allows policyholders to set up automatic payments through ACH transfers.
How do I make a UAIC insurance payment?
How do I obtain a UAIC insurance quote?
Can I make a UAIC payment online?
How do I check my UAIC claim status?
Your Opinion Matters!
Rate your insurance provider and provide share feedback with shoppers just like you.
What is the UAIC claims email for submitting documents?
UAIC auto insurance provides standard coverage options, including liability, comprehensive, and collision, tailored to meet state requirements.
You can obtain UAIC car insurance by visiting their website for a quote or contacting a licensed agent who can guide you through the process.
For further details, check out our in-depth “How to Get Fast and Free Auto Insurance Quotes” article.
Can I get UAIC car insurance quotes online?
Yes, UAIC car insurance quotes are available online. Simply visit the UAIC website and enter your details to receive a personalized quote.
How do I file a UAIC claim?
To file a UAIC claim, you can either use the UAIC app, visit their website, or call their claims department for step-by-step guidance on the process.
Explore your car insurance options by entering your ZIP code below and finding which companies have the lowest rates.
What should I expect from the UAIC claims process?
The UAIC claims process involves submitting a report, providing supporting documents, and working with an adjuster to assess the damages and settle your claim.
Learn more by visiting our detailed “Auto Insurance Claims” section.
What is UAIC FL PPD ACH, and how does it work?
UAIC FL PPD ACH refers to UAIC’s Florida Preauthorized Payment program, which allows policyholders to set up automatic payments through ACH transfers.
How do I make a UAIC insurance payment?
How do I obtain a UAIC insurance quote?
Can I make a UAIC payment online?
How do I check my UAIC claim status?
Your Opinion Matters!
Rate your insurance provider and provide share feedback with shoppers just like you.
What is the UAIC claims email for submitting documents?
Yes, UAIC car insurance quotes are available online. Simply visit the UAIC website and enter your details to receive a personalized quote.
To file a UAIC claim, you can either use the UAIC app, visit their website, or call their claims department for step-by-step guidance on the process.
Explore your car insurance options by entering your ZIP code below and finding which companies have the lowest rates.
What should I expect from the UAIC claims process?
The UAIC claims process involves submitting a report, providing supporting documents, and working with an adjuster to assess the damages and settle your claim.
Learn more by visiting our detailed “Auto Insurance Claims” section.
What is UAIC FL PPD ACH, and how does it work?
UAIC FL PPD ACH refers to UAIC’s Florida Preauthorized Payment program, which allows policyholders to set up automatic payments through ACH transfers.
How do I make a UAIC insurance payment?
How do I obtain a UAIC insurance quote?
Can I make a UAIC payment online?
How do I check my UAIC claim status?
Your Opinion Matters!
Rate your insurance provider and provide share feedback with shoppers just like you.
What is the UAIC claims email for submitting documents?
The UAIC claims process involves submitting a report, providing supporting documents, and working with an adjuster to assess the damages and settle your claim.
Learn more by visiting our detailed “Auto Insurance Claims” section.
UAIC FL PPD ACH refers to UAIC’s Florida Preauthorized Payment program, which allows policyholders to set up automatic payments through ACH transfers.
How do I make a UAIC insurance payment?
How do I obtain a UAIC insurance quote?
Can I make a UAIC payment online?
How do I check my UAIC claim status?
Your Opinion Matters!
Rate your insurance provider and provide share feedback with shoppers just like you.
What is the UAIC claims email for submitting documents?
Can I make a UAIC payment online?
How do I check my UAIC claim status?
Your Opinion Matters!
Rate your insurance provider and provide share feedback with shoppers just like you.
What is the UAIC claims email for submitting documents?
Your Opinion Matters!
Rate your insurance provider and provide share feedback with shoppers just like you.
What is the UAIC claims email for submitting documents?
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