UAIC Auto Insurance Review (2021)

Looking at UAIC auto insurance? They offer standard auto insurance but specialize in nonstandard auto insurance for high-risk drivers with bad driving records.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Nov 5, 2021

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Company Details
Address: 1313 North West 167th Street
City: Miami Gardens
State: Florida
ZIP Code: 33169
Phone Number: 305-430-8818
Year Founded: 1989
AM Best Rating: C
Company Rating 1.16 (44 reviews)

Things to Remember...

  • UAIC (United Automobile Insurance Company) is an auto insurance company that was founded in Miami, Florida
  • UAIC is a company that specializes in non-standard auto insurance market
  • Simply put, non-standard insurance is insurance for hard-to-insure people and even otherwise impossible-to-insure people

UAIC (United Automobile Insurance Company) is an auto insurance company that was founded in Miami, Florida.

UAIC is a company that specializes in non-standard auto insurance.

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Non-standard insurance is the same type of insurance that you will find at any auto insurance company.

The difference between non-standard insurance and standard insurance is the type of people who can get coverage, not the coverage itself.

What Types of Non-Standard Auto Insurance Products does UAIC Offer?

Simply put, non-standard insurance is insurance for hard-to-insure people and even otherwise impossible-to-insure people.

The downside to this type of insurance is that you will not get a preferred rate for your premiums; in general, you will have a higher payment of premium.

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

People without high-risk attributes can also use UAIC for their auto insurance, but they might be better served choosing another auto insurance company.

A.M. Best has withdrawn its rating of UAIC at the company’s request.

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Where to Find the UAIC Locations?

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.


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.

United Automobile Insurance Company does not provide an agent finding tool on its website to help you find an insurance agent in your area.

You will probably have to contact them at their primary Miami number to find the information for which you are looking.

How to File UAIC Claims

You can file a claim directly with UAIC by calling 305-940-7299, Monday through Friday from 8 a.m. to 5 p.m. and on Saturday from 10 a.m. to 6 p.m. All parties can check claim status via the inquiry portal or submit claim inquiries and/or claim documents to the United Auto Insurance Adjuster handling their personal injury claim.

The company’s claims address is:

P.O. Box 694120
Miami, Florida 33269

You can also file your claim with your independent agent.

UAIC does not offer the ability to follow or file a claim online. However, you can pay your bill or renew your policy online.

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What Types of UAIC Careers are there?

United Auto Insurance Company has positions open in three categories: Claims, Legal, and Underwriting.

On its website, it suggests that you check back regularly to see if positions become available in other areas such as: Accounting, Corporate & Executive, and IT.

In order to apply for a position, you must fill out a job application, rather than sending in your resume.

There is no way to search for any particular job; you only have the option of opening up each category (claims, accounting, underwriting, etc.).

There are several benefits offered to full-time employees of UAIC, which include:

  • Health insurance
  • Vision insurance
  • Dental insurance
  • Short- and long-term disability
  • 401(k) savings plan
  • Life insurance
  • Accidental death insurance
  • Two weeks paid time off annually
  • Paid holidays
  • Paid sick days

United Automobile Insurance also posts on its website the job fairs in which it is participating.

The company is not currently involved in any job fairs but it does recommend that you check the website regularly for updates.

How do I get a quote from UAIC?

United Automobile Insurance does not have a quotes section on its website. It does have an area on its site that allows agents to log in, presumably so that they can get a quote in your stead.

When an independent agent gets insurance quotes for you, they usually do so from multiple sources.

They are only limited by the companies that they are licensed to do business with.

If you are looking for an immediate quote, then look no further! By entering your ZIP code below, you can compare auto insurance quotes between multiple companies today!




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