UnitedHealthcare Auto Insurance Review (2020)

UnitedHealthcare auto insurance isn't an option, but UHC is a major health insurance company. UnitedHealthcare insurance. has rates as low as $400/mo. for health insurance plans. UnitedHealthcare car insurance quotes aren't likely to become available, but some UHC coverage may pay for car accident injuries.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

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...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Aug 10, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Company Details
Address: 5901 Lincoln Dr
City: Minneapolis
State: Minnesota
ZIP Code: 55436
Phone Number: 1-800-328-5979
Website: www.uhc.com
Year Founded: 1977
AM Best Rating: A+
Company Rating 0 (0 reviews)

Things to remember...

  • UnitedHealthcare Group provides over 45 million people with health and life insurance coverage.
  • UnitedHealthcare auto accident coverage is not a type of insurance available from the top life and health insurance company.
  • UnitedHealthcare offers discounted auto insurance rates through its partnership with Liberty Mutual.

In our detailed UnitedHealthcare auto insurance review, we supply you with the particulars about claims processing, customer service contact info, and quote options for UnitedHealthcare insurance. UnitedHealthcare is one of two operating arms of the for-profit UnitedHealth Group Insurance company that services around 45 million individuals globally with health and life insurance coverage.

Some of your questions may include: can you bundle in a UnitedHealthcare auto insurance policy with your existing life and health insurance plan? How can I get cheap auto insurance? Is UnitedHealthcare insurance a good insurance choice for me? How much is UnitedHealthcare per month? And does United Healthcare have auto insurance?

If you would like to get a jump start on the auto insurance buying process before reading our UnitedHealthcare auto insurance review, try out our free online quote option. Type in your ZIP code, and within moments, you’ll receive detailed quotes from multiple auto insurance companies in your area. We can’t give you UnitedHealthcare auto insurance rates, but we can help you shop.

Does UnitedHealthcare sell auto insurance?

The average for car insurance expenditures per year has risen 6.4 percent to $1,004.68 in 2017, so it’s no wonder you might be looking for some form of UHC auto insurance discount and asking if there is a UnitedHealthcare primary insurance auto accident policy.

So, does UnitedHealthcare have auto insurance coverage?

No. UnitedHealthcare auto accident coverage is not a type of insurance available from the top life and health insurance company. However, they have partnered with Liberty Mutual to provide discount rates and some of the best accident insurance for both automotive and health-related incidents.

Insurance from UHC and auto insurance from Liberty Mutual is offered through the UnitedHealthcare One partnership.

The partnership grants policyholders the full amount of supplemental accident insurance coverage needed in case of a car crash or any medically related illness.

Savings are estimated to be around 12 percent for auto coverage, but it is to be noted that savings are based on area and availability of options, rules, and regulations pertaining to specified area.

To give you a better idea of how much you might save with a UnitedHealthcare discount, we have provided the average rates by state for auto insurance coverage below.

Average Annual Comprehensive Auto Insurance Rates by State
StatesAverage Annual Comprehensive Auto Insurance
Rates
Oregon$89.66
Maine$96.66
California$99.29
Hawaii$100.09
New Hampshire$103.03
Washington$104.11
Utah$106.57
Florida$110.12
Idaho$110.78
Ohio$112.74
Delaware$113.23
Indiana$115.02
Nevada$116.79
Illinois$117.98
Vermont$118.31
Rhode Island$122.17
North Carolina$123.00
New Jersey$123.18
Connecticut$126.02
Wisconsin$126.34
Massachusetts$128.92
Virginia$129.89
Kentucky$130.15
Pennsylvania$132.01
Tennessee$135.62
Countrywide$138.87
Alaska$141.08
Alabama$146.28
Maryland$146.77
Michigan$147.02
Georgia$153.61
New York$156.66
Colorado$158.34
South Carolina$165.38
Missouri$166.34
New Mexico$166.89
Iowa$171.58
Minnesota$173.04
Arkansas$183.36
Arizona$184.20
Texas$186.70
Mississippi$194.74
West Virginia$195.04
Montana$199.87
Oklahoma$201.56
Nebraska$206.24
Louisiana$208.59
Wyoming$222.86
Kansas$225.34
North Dakota$227.64
South Dakota$228.59
District of Columbia$230.25
Get Your Rates Quote Now

Compare RatesStart Now →

Discounted rates can definitely come in handy especially when considering that even a single car accident can have an impact on your auto insurance rates, as this table shows:

Average Annual Auto Insurance Rates by Driving Record
CompaniesAverage Annual Rates With a Clean Driving RecordAverage Annual Rates With 1 AccidentAverage Annual Rates With 1 DUIAverage Annual Rates With 1 Speeding Violation
USAA$1,858.11$2,737.39$3,224.03$2,132.96
State Farm$2,561.35$2,934.63$3,462.47$2,561.35
GEICO$2,769.60$3,651.43$3,061.96$3,570.55
Nationwide$3,351.99$3,351.99$4,977.19$3,789.11
Progressive$4,066.74$5,258.36$4,753.00$4,581.27
Allstate$4,270.52$6,562.28$6,837.95$4,270.52
American Family$4,418.84$5,627.66$4,931.37$4,418.84
Get Your Rates Quote Now

Compare RatesStart Now →

What type of insurance is UnitedHealthcare? The name itself should be a dead ringer for what UnitedHealthcare Group insurance provides its policyholders, but to be fair, you never know these days.

The company, a young one as far as the insurance market is concerned having only been founded as recent as 1977, provides life and health insurance to its members.

In addition to both group and individual accident insurance, UHC provides life and health coverage options in the private and public sectors which amounts to a large section of national health insurance coverage in the nation.

Current stats from the 2018 U.S. Census Bureau indicate that close to 70 percent of the population is covered by private insurance and over 30 percent are covered under the public.

Within the public sector, UHC operates under the moniker Golden Rule Insurance, a subsidiary acquired that operates as UHC’s supplier of medicare coverage. The video below helps explain how UnitedHealthcare health insurance works for policyholders.

The video above helps explain the details of coverage for an individual UnitedHealthcare plan, but in the case of an auto accident injury, does UHC coordinate with auto insurance?

What car insurance details are needed in an accident? Health and auto insurance collaborate when it comes to covering the cost of your bill will be determined by both insurance companies and will both need information, but do not expect your health or auto insurance company to go the extra mile in contacting one or the other when it comes to a claims payout.

How much of a coordinated effort between insurance companies occurs is generally determined on a case by case scenario. The same goes for whether your health insurance can deny a claim caused by an auto accident. Most will not outright deny a claim, but they may delay payment as they seek out damage payment from the auto insurance provider.

If you decide to go with a Liberty Mutual auto insurance policy, then, of course, you’ll receive UnitedHealthcare coordinated benefits with car insurance coverage.

The particulars of the auto accident and injuries will still determine coverage and payment, but it is comforting to know both your healthcare and auto insurance providers are working in partnership to resolve any claims.

If you’d like to receive quotes for more than one company, then try out our free online quote option. You simply type in your ZIP code, and before you it, you’ll receive detailed quotes from multiple auto insurance companies in your area.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Where is UnitedHealthcare located?

The UnitedHealthcare address for the company headquarters is located at 5901 Lincoln Dr, Minneapolis, MN, 55436.

UnitedHealthcare has many locations throughout the country from coast to coast including the individual and group health, life, and accident insurance California based operations as well as a Manhattan-based location in New York.

The following are states where UHC is not available: Alabama, Arkansas, Connecticut, Idaho, Kentucky, Louisiana, Main, Mississippi, Missouri, Montana, New Jersey, North Carolina, North Dakota, Oklahoma, Texas, and Vermont.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Does UnitedHealthcare have agents?

UnitedHealthcare has both agents and brokers who operate most of the company’s insurance options through online services. Local brokers or agents can be found through the company website after using the UnitedHealthcare login portal and typing in your ZIP code.

UnitedHealthcare customer service hotline is also available to both existing and potential policyholders Monday–Thursday 8:00 a.m.–10:00 p.m. ET, Friday 8:00 a.m.–8:00 p.m. ET, and Saturday 9:00 a.m.–5:30 p.m. ET. The UnitedHealthcare number is 1-800-273-8115.

How do I file a claim with UnitedHealthcare?

Filing a claim with UnitedHealthcare can now be completed through its website with the ease and efficiency of online applications. UHC also has an app or customers can access their accounts anywhere and anytime after signing in through the UnitedHealthcare login portal.

After creating an account, policyholders can check their coverage options, find doctors, print member ID cards, file and check the status of claims, and printout necessary claims forms.

Since not everyone is computer literate, UHC still offers a write-in option for the claims process. Necessary claims forms, however, are located on the company website or can be provided by your local broker. Filled out forms can be sent to:

  • UnitedHealthOne® Plans
    PO Box 31374
    Salt Lake City, UT 84131-0374
    EDI #37602
  • Claims-Only Fax: 1-801-478-7581

Customers are also urged to contact their local broker or agent directly for any troubleshooting or needed assistance in the claims process.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

How do I get a quote from UnitedHealthcare?

Potential customers can apply for quotes online through the UnitedHealthcare website. The website also has quote links to include a Liberty Mutual auto insurance policy under the UnitedHealthcareOne partnership option.

United Healthcare Auto Insurance: The Bottom Line

UnitedHealthcare insurance company is one of the largest providers of health and life insurance in the United States. A.M. Best, the top credit ranking agency in the insurance industry, has given them an A+ rating meaning it is a financially sound investment, and UnitedHealthcare reviews from the Better Business Bureau (BBB) are generally positive with an A- customer satisfaction rating in its corporate location.

Although UnitedHealthcare insurance does not offer any type of auto insurance coverage, UHC has partnered with Liberty Mutual to offer existing policyholders some form of an auto insurance discount through its UnitedHealthcareOne partnership.

If you’re interested in comparison shopping prices from auto insurance companies, then try out our free online quote option now that you’ve finished this UnitedHealthcare auto insurance review. After typing in your ZIP code, you’ll receive multiple quotes from local area auto insurance companies in no time.

Frequently Asked Questions: UnitedHealthcare Auto Insurance

Here are a few frequently asked questions.

#1 – Does UHC do auto-pay with a debit card?

UnitedHealthcare has online features and an app where customers can set up accounts, pay, and review billing information all from the touch of their phones. Autopay for billing options should work with a debit card that is backed by a bank account or top credit agency.

The majority of UHC customers automatically enroll in the automatic debit system in which you’ll have your monthly payments taken directly out of your bank account. You should check with your local agent or broker for information on payment and the auto-debit system.

#2 – Who pays for bodily injury: Medicare, UnitedHealthcare, or auto insurance?

As we mentioned briefly earlier in the article, the particulars of any payment from an auto accident injury would need to be determined on a case by case scenario.

However, the majority of cases, liability coverage from the car insurance policy would cover any medical expenses, up to policy limits. Also, it’s important to note that your liability car insurance policy will also pay for your medical bills, no matter who is at fault for the car accident.

#3 – Does UnitedHealthcare pay for a gym membership?

UnitedHealthcare does not pay for gym memberships, but it does offer discounts and money-back incentives to encourage policyholders to live healthier lives. Gym reimbursement programs are now available at more than 124,000 participating fitness centers nationwide.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption