United Fidelity and Guaranty Auto Insurance Review (2020)

United Fidelity and Guaranty Auto Insurance is part of the Travelers Companies. It offers auto insurance in all 50 states under the Travelers name and brand. United Fidelity and Guaranty auto insurance reviews and ratings are often found under the Travelers name.

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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 Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Oct 11, 2020

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Company Details
Address: One Tower Square
City: Hartford
State: CT
ZIP Code: 06183
Phone Number: 860-277-0111
AM Best Rating: A++
Company Rating 5 (1 review)

United Fidelity and Guaranty is a member of the Travelers, which provides auto insurance. Learn more about how to choose an auto insurance policy in this review.

Travelers’ headquarters is located in St Paul, Minnesota, and Hartford, Connecticut. United Fidelity and Guaranty is a smaller company owned by Travelers. This review will cover United Fidelity and Guaranty auto insurance rates as well as other items that you’ll need to know.

Read on for a complete United Fidelity and Guaranty auto insurance review. And if you want to start comparing auto insurance right now, enter your ZIP code in the free comparison box above to get started.

Table of Contents

Cheap United Fidelity and Guaranty Auto Insurance Insurance Rates

United Fidelity and Guaranty is formerly known as the United States Fidelity and Guaranty (United Fidelity and Guaranty) Company. According to the National Association of Insurance Commissioners (NAIC), United Fidelity and Guaranty is owned by Travelers insurance.

When we searched NAIC’s database, we found that United Fidelity and Guaranty’s company information is shared with Travelers. So you’ll see the information that relates solely to the Traveler’s insurance.

First, we’ll start with how much you’ll pay for auto insurance with United Fidelity and Guaranty or Travelers. Are United Fidelity and Guaranty auto insurance rates cheaper than average?

United Fidelity and Guaranty Auto Insurance Availability by State

Travelers bought United Fidelity and Guaranty back in the 90s. Today, the company has made its auto insurance service available to all 50 states.

But how do you know you’re saving money? The data summary below will show you how the average cost of auto insurance affects the average annual income.

Average Annual Auto Insurance Rates as a Percent of Income by State
StatesAverage Annual RatesAverage Annual IncomeInsurance as a Percentage of Income
West Virginia$2,595$63,3434.10%
New Hampshire$3,152$63,3094.98%
North Carolina$3,393$65,7665.16%
New Mexico$3,464$72,7714.76%
South Carolina$3,781$62,6326.04%
South Dakota$3,982$63,4486.28%
North Dakota$4,166$66,3146.28%
New York$4,290$66,3146.47%
Rhode Island$5,003$65,5127.64%
New Jersey$5,515$58,6279.41%
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We’ve included the average annual cost of auto insurance to show you auto insurance as a percent of income. For the average yearly income, auto insurance doesn’t affect the average salary much at all. At most, it’s almost 10 percent of your income.

The average annual rates, or the average cost of insurance per year, is a compound of all auto insurance companies’ yearly auto insurance rates in the state.

The auto insurance rates are added together and divided by the number of companies in the state, which will give you an average. That number or dollar amount represents the average annual cost of the state.

If you earn less per year, your auto insurance as a percent of income could be much higher. What about United Fidelity and Guaranty insurance cost per year? How does it affect the 2020 annual income?

Here’s a table that shows the average annual rates of Travelers auto insurance by state. We’ll provide auto insurance as a percent of the income of each state to compare the cost to the average annual rates.

Travelers Auto Insurance Average Annual Rates by State
StatesTravelers Average Annual RateAverage Annual IncomeTravelers Auto Insurance Average Rate as a Percent of Income
North Carolina$3,133$65,7664.76%
New Jersey$4,254$58,6277.26%
New York$4,579$66,3146.91%
Rhode Island$6,909$65,51210.55%
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See the difference between the general average rates and Travelers auto insurance average rates? There’s a slight difference in some of the auto insurance as a percent of income, while other percentages are much higher.

Pennsylvania customers are paying the most expensive average auto insurance rates, at $7,842 per year. Travelers customers in Maine pay the lowest average auto insurance rates at $2,253.

The states that aren’t listed in the data don’t have an available annual rate from Travelers, but it doesn’t mean the company doesn’t offer auto insurance in those states.

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United Fidelity and Guaranty’s Auto Insurance Coverages Offered

United Fidelity and Guaranty shares the same coverage options as Travelers.

When you get an auto insurance policy, the basic minimum plan required by the state is made available regardless of the company. Let’s take a look at how liability requirements for auto insurance by state are different.

Minimum Auto Insurance Liability Requirements by State
StatesCoverage TypesCoverage Limits
ALBI & PD Liab25/50/25
AKBI & PD Liab50/100/25
AZBI & PD Liab15/30/10
ARBI & PD Liab, PIP25/50/25
CABI & PD Liab15/30/5
COBI & PD Liab25/50/15
CTBI & PD Liab, UM, UIM25/50/20
DEBI & PD Liab, PIP25/50/10
DCBI & PD Liab, UM25/50/10
FLPD Liab, PIP10/20/10
GABI & PD Liab25/50/25
HIBI & PD Liab, PIP20/40/10
IDBI & PD Liab25/50/15
ILBI & PD Liab, UM, UIM25/50/20
INBI & PD Liab25/50/25
IABI & PD Liab20/40/15
KSBI & PD Liab, PIP25/50/25
KYBI & PD Liab, PIP, UM, UIM25/50/25
LABI & PD Liab15/30/25
MEBI & PD Liab, UM, UIM, Medpay50/100/25
MDBI & PD Liab, PIP, UM, UIM30/60/15
MABI & PD Liab, PIP20/40/5
MIBI & PD Liab, PIP20/40/10
MNBI & PD Liab, PIP, UM, UIM30/60/10
MSBI & PD Liab25/50/25
MOBI & PD Liab, UM25/50/25
MTBI & PD Liab25/50/20
NEBI & PD Liab, UM, UIM25/50/25
NVBI & PD Liab25/50/20
NHFR only25/50/25
NJBI & PD Liab, PIP, UM, UIM15/30/5
NMBI & PD Liab25/50/10
NYBI & PD Liab, PIP, UM, UIM25/50/10
NCBI & PD Liab, UM, UIM30/60/25
NDBI & PD Liab, PIP, UM, UIM25/50/25
OHBI & PD Liab25/50/25
OKBI & PD Liab25/50/25
ORBI & PD Liab, PIP, UM, UIM25/50/20
PABI & PD Liab, PIP15/30/5
RIBI & PD Liab25/50/25
SCBI & PD Liab, UM, UIM25/50/25
SDBI & PD Liab, UM, UIM25/50/25
TNBI & PD Liab25/50/15
TXBI & PD Liab, PIP30/60/25
UTBI & PD Liab, PIP25/65/15
VTBI & PD Liab, UM, UIM25/50/10
VABI & PD Liab, UM, UIM25/50/20
WABI & PD Liab25/50/10
WVBI & PD Liab, UM, UIM25/50/25
WIBI & PD Liab, UM, Medpay25/50/10
WYBI & PD Liab25/50/20
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From the largest company to the smallest agency, each organization is regulated by the state where they offer services. Plans are universal with variations relative to the state.

For example, United Fidelity and Guaranty coverage in a no-fault state is going to be slightly different from coverage in a tort state where the guilty party’s insurance company pays.

Most individual plans offer basic inclusions such as:

  • Bodily injury liability
  • Property damage liability
  • Personal injury protection
  • Collision and comprehensive
  • Underinsured or uninsured motorist protection

As a way to save, many people decline or reduce collision and comprehensive coverage. If you have an older auto with dents and dings in it already, this may be a good way to decrease your rates.

Here are two videos that explain the bodily injury liability and property damage liability.

The next short video talks about the other side of liability coverage, which is called property damage liability. Watch the video below.

If you have a lien against your vehicle, however, comprehensive and collision may be required.

If your financed vehicle is less than 5 years old, it is a good idea to protect your vehicle with collision and comprehensive coverage.

What are United Fidelity and Guaranty auto insurance bundling options?

Under Travelers insurance, United Fidelity and Guaranty customers have access to all Travelers insurance options such as home, renters, condo, boat or yacht, landlord, traveling, valuable items, wedding events insurance, and affinity auto and home programs.

How much you can save on bundling some of Travelers’ insurance options is up to the company’s terms and services. According to the Travelers’ website, a customer can save up to 10 percent on a multi-policy discount, which is another way of saying bundling options for insurance.

What auto insurance discounts are offered by United Fidelity and Guaranty?

There are at least 12 auto insurance discounts available for Travelers and United Fidelity and Guaranty auto insurance. These discounts can decrease the amount you pay for auto insurance for the year.

Before we talk more about these discounts, watch this short video from Travelers on how you can save money on auto insurance.

Each Travelers discount has a different value. We’ve summarized each value into a data table below.

Travelers and USF&G Auto Insurance Discounts
Travelers and USF&G
Discount Type
Percent Saved
Electronic Funds Transfer (EFT)3%
Home Ownership5%
Paid Policy In Full7.5%
Multi Vehicle8%
Hybrid/Electric Vehicle10%
New Vehicle10%
Safe Driver10% (three years)
23% (five years)
Multi Policy13%
Continuous Insurance15%
Good Payer15%
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The small percentages can make a difference when you’re looking for cost efficiency in auto insurance. When these discounts are applied together on your auto insurance policy, you can save hundreds of dollars.

In Connecticut, you can receive a discount for participating in driver safety courses. Ask Travelers auto insurance agents if that option is available.

What programs are available from United Fidelity and Guaranty?

As a United Fidelity and Guaranty customer, you can get access to the Travelers Affinity Auto & Home Program. The program offers savings and benefits to employees or qualified members of participating associations, businesses, and credit unions.

You can save money on auto insurance by using the Travelers’ IntelliDrive® Program. IntelliDrive® is a 90-day program that uses a smartphone app to record driving behavior of drivers covered on your policy. Your driving behavior is rated through a score on the IntelliDrive® mobile app.

If you’re in the IntelliDrive® program already, you can save up to 20 percent at renewal if your driving habits have been scored as safe. However, riskier driving habits may result in a more expensive rate in some states.

Do you want to know how you can save money on auto insurance right now? Enter your ZIP code in the free comparison tool below to start comparing auto insurance rates to other companies in your local area.

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Canceling Your United Fidelity and Guaranty Auto Insurance Policy

Sometimes it feels like a big chore when you want to cancel your auto insurance. If you’re selling your auto or transferring your auto insurance policy to a new one, you’ll have to cancel your insurance.

Canceling your auto insurance policy can go smoothly if you cancel in a timely manner, but if you don’t take the proper steps to cancel your auto insurance policy, it could be like pulling teeth. The sub-sections below will walk you through what you can expect when canceling your auto insurance policy.

How can I cancel my auto insurance without fees?

When you ask to have your auto insurance policy canceled in the middle of the policy, you could be faced with a fee or penalty. Fees for canceling your auto insurance policy before expiration could cost $25 or a percentage of your auto insurance policy.

Each company has terms and conditions which lists how much a fee will be if you cancel in the middle of the agreed auto insurance policy.

Can you get a refund on auto insurance?

Customers who pay for their auto insurance policy in full may be entitled to a refund. As an auto insurance customer, you should be refunded for the months you didn’t use auto insurance services. If you are three months into your policy, then you will not receive three months’ worth of rates.

Some companies may not fully refund your policy and refund you money based on a bracket you’re placed in when you enroll in auto insurance. Ask how auto insurance refunds work before you cancel your auto insurance.

How do you cancel a United Fidelity and Guaranty auto insurance policy?

Call a Travelers customer service agent and say that you want to cancel. You can talk directly with a Travelers agent in your local area, and the agent can submit your cancellation.

Be sure to have your auto insurance policy information with you such as:

  • Name, address, and phone number
  • Policy number
  • The final date of your auto insurance policy
  • New insurer’s name and policy number (in case you’re switching providers)

If you’re not switching auto insurance providers or you’re selling your vehicle, you have to provide further documentation such as proof of sale. Insurance agents prefer that you give them notice when you want to cancel, but cancellation usually goes into effect immediately.

Can you cancel your auto insurance policy at any time?

Yes. It’s your right as the customer to cancel at any time. However, there may be some drawbacks to canceling without notice or within a strict auto insurance policy agreement. Also, it’s not a good idea to cancel your auto insurance policy when you don’t have another auto insurance policy set up to cover you.

Auto insurance agents may hesitate to cancel your auto insurance policy if you don’t have another policy set up.

Measure your timing carefully when you cancel your auto insurance policy so you don’t have any gaps in your auto insurance coverage.

How to Make a United Fidelity and Guaranty Auto Insurance Claim

Travelers insurance company has made it easy for United Fidelity and Guaranty customers to file a claim. Travelers auto insurance agents recommend that customers to:

  • File a claim online with their MyTravelers account, available
  • Or file a claim over the phone by calling 1-800-252-4633

Both methods are available 24/7, so it doesn’t matter what time it is or what day it is, a Travelers auto insurance agent will be there to collect your claim information.

Have these items when you file a Travelers auto insurance claim:

  • Photos of the damage, if available
  • Your contact information
  • The name and contact information of other involved parties
  • Policy information, if available
  • The type of loss you are reporting (auto, home, etc.)
  • The date the incident occurred
  • A description of what happened
  • A description of any injuries

Always file your claims as soon as possible. Filing claims immediately prevents you from forgetting details that you could forget the next day.

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How to Get a United Fidelity and Guaranty Auto Insurance Quote Online

Since United Fidelity and Guaranty doesn’t have a website, you can get all of your auto insurance quotes from Travelers. This section will explain the step-by-step guide on how you can get an auto insurance quote from Travelers.

Enter Your ZIP Code in the Start Quote Box

When you visit the Travelers website, you’ll see two dialog boxes next to a button that says start quote.

Choose “Auto” in the far left box and enter your ZIP code in the middle box. Click “Start Quote” to begin the process.

Enter Your Personal Information

The next step will ask for more information about you, such as your name and address.

Travelers is a secure website, so the information you enter into the query is safe. Once you’ve finished filling out the boxes, continue to the next step.

Enter Vehicle Information

This step is all about your vehicle. You need your registration or another document with your vehicle details to fill this out.

There’s an automated option if you click “Enter your VIN”. The VIN will fill in all the details for you. If you don’t have the VIN, fill in each selection one at a time. After you’re done, move on to the next section.

Report Your Driving Record

Finally, you have to tell Travelers about your driving record. Answer accurately. You don’t want to put false information into a quote and purchase a policy.

After you’ve provided your driving record information, you’ll be taken to your Travelers auto insurance quote. When you’re ready, contact the agent listed on the quote or contact Traveler’s customer service at 1-800-842-5075.

How about an easier way to get a quote. Enter your ZIP code on our free comparison tool below and compare auto insurance rates to multiple companies.

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United Fidelity and Guaranty: Auto Insurance Ratings

An auto insurance company’s financial and credit strength is measured by agencies across the nation and even across the world. United Fidelity and Guaranty may have lost their edge, but under Travelers insurance company, they’ve earned a high rating among the top financial strength and credit rating agencies such as A.M. Best, which gives the company an A++ (Superior) rating. The Better Business Bureau gives Travelers companies an A+ rating.

Travelers Auto Insurance Company Ratings
Ratings AgenciesTravelers Auto Insurance Ratings
A.M. BestA++ (Superior)
Better Business Bureau A+
Consumer Reports 90 (Reader Score)
J.D. Power 3/5 Auto Claims Satisfaction
3/5 Insurance Shopping
Moody’s RatingAa2
NAIC Complaint
Index Ratio
S&P RatingAA
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Some companies don’t have any ratings at all. Smaller companies are less likely to have ratings, but United Fidelity and Guaranty shares ratings with their parent company. To get a much clearer view of what these ratings mean, visit our Travelers auto insurance guide.

United Fidelity and Guaranty: Auto Insurance History

The United States Fidelity and Guaranty Company was founded by John Randolph Bland in Baltimore, Maryland, on March 19, 1896, but didn’t officially start the business until August 1, 1896. John R. Bland was accused of not paying company commissions to Richard Crocker with intentions of getting business in New York on October 29, 1900.

In May 1902, the United Fidelity and Guaranty of Maryland purchased most of the stock of a New York surety company called The Lawyer’s Surety Company. Although United Fidelity and Guaranty bought the surety company, Lawyer’s Surety remained in business and no merger took place.

In November 1902, there was a Supreme Court case between the American Bonding and Trust Company and the Fidelity and Deposit Company. The New York Times reported that the case was about the three companies taking bonds to decrease rates. The Supreme Court legal case is called United States Fidelity & Guaranty Co. v. United States ex rel. Struthers Wells Co.

United Fidelity and Guaranty’s income in 1921 was $27,593,434. Their total assets were nearly $34 million. United Fidelity and Guaranty took a lot of losses between October 1929 and January 20, 1930. The company took a significant loss in automobile liability.

In early 1935, United Fidelity and Guaranty was involved in another Supreme Court case called Jennings v. United States Fidelity & Guaranty Co.

United Fidelity and Guaranty became the official name of United States Fidelity & Guaranty Company in July 1981. However, the company continued to experience financial trouble most of the ’80s.

By 1990, United Fidelity and Guaranty started to have more severe financial issues as they fought bankruptcy. It’s been reported that chief executive officer Norman Blake closed several business units and fired the majority of management positions in1992, so United Fidelity and Guaranty could focus more on the insurance business.

Saint Paul Companies, the company that owns Travelers, bought United Fidelity and Guaranty in January 1998 for $3.9 billion in debt and stock.

Does United Fidelity and Guaranty have commercials?

When United Fidelity and Guaranty Company was bought in the 1990s, it didn’t promote under the United Fidelity and Guaranty name anymore. All United Fidelity and Guaranty advertising and promotion became Travelers. Their parent company has a number of commercials. We’ve provided one for you below.

This is one of many commercials on Traveler’s Youtube channel. In addition to online videos, Travelers commercials have made their way to broadcast television.

Is United Fidelity and Guaranty involved in the community?

According to Travelers Chairman and CEO, Alan Schnitzer, Travelers has donated over $218 million to important causes and nonprofits over the 10 years. In addition to investments, he proudly announced that Travelers employees have volunteered over 250,000 in just two years.

Here’s a video of Travelers community sponsorships. It’s a video that describes Travelers Empowering Dreams for Graduation and Employment (EDGE) program, which targets students’ access to higher education.

Who does Travelers donate to? Who do they invest in? Here’s a list of things Travelers is invested into and who they often donate to. Travelers community outreaches focus on

  • Academic and Career Success
  • Thriving Neighborhoods
  • Culturally Enriched Communities

Travelers investment into communities around the U.S. improves the company’s customer-company relationships while drawing more customers to their company.

What do United Fidelity and Guaranty employees have to say?

Glassdoor reported that Travelers has over 10,000 employees. The current CEO, Alan D. Schnitzer, has been rated one of the Top CEOs of 2019, and 88 percent of 2,800 reviews on Glassdoor approve of Travelers CEO.

Of the 2,800 employee reviews on Glassdoor, 77 percent of those reviews say they would recommend a friend to work at Travelers.

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Design of United Fidelity and Guaranty Auto Insurance Website/App

Travelers is one of the top auto insurance companies in the U.S. The top auto insurance providers have made it easier for their customers to reach them through 24/7 customer service over the phone and online.

Customers can access the Travelers website whenever they need to. You can even manage your auto insurance policy online The website labels almost everything, so it will be easier to navigate the company’s website. If you’re looking for something in particular, type your requests in the search box on the top right.

Does Travelers have a mobile app? Yes. The Travelers® Mobile App is available on Google Play and Apple App Store.

You can manage your auto insurance policy as well as other services on the mobile app. In addition to the Travelers® Mobile App, Travelers auto insurance policyholders can use the IntelliDrive® Mobile App to capture their driving habits, which is also available Android and Apple iOS.

United Fidelity and Guaranty Auto Insurance: The Bottom Line

United Fidelity and Guaranty is a small company that merged into Travelers Insurance Group back in the late 90s. Travelers auto insurance rates are much more expensive than the average annual rates. However, auto insurance discounts can bring your auto insurance rates to more affordable rates.

There’s limited information United Fidelity and Guaranty, but Travelers makes up for it through a mountain of information on their website and in our guides.

Frequently Asked Questions: United Fidelity and Guaranty Auto Insurance

#1 – Where can I find Fidelity and Guaranty Life Complaints?

Fidelity and Guaranty Life Insurance Company ratings are found under a different company. Although the name is the same, Fidelity&  Guaranty Life is not one of the subsidiaries of Travelers. You won’t find Fidelity & Guaranty life forms or annuity rates

Fidelity and Guaranty Life stock is not connected to United Fidelity and Guaranty stock. FGL Fidelity/ Fidelity & Guaranty Life is connected to but not owned by Blackstone.

#2 – Who has the cheapest auto insurance rate?

Although we report general auto insurance rates on our guides and reviews, auto insurance rates are different for each individual. Cheap auto insurance rates depend on factors that determine auto insurance.

#3 – Does Good2Go auto insurance compete with United Fidelity and Guaranty auto insurance?

Yes. Good2Go auto insurance is a competitor of United Fidelity and Guaranty and Travelers.

#4 – Can I receive an auto insurance discount for good credit?

Yes. If you have good credit, an auto insurance company will give you a discount. The auto insurance rate for a customer with good credit is much lower than the average annual rate.

Find out how the cost of auto insurance of other auto insurance companies in your local area by entering your ZIP code in our free comparison tool.

One Response

  1. Merika November 11, 2013

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