Universal Auto Insurance Review (2023)
Universal Auto Insurance Company has a B+ rating with A.M. Best and an A+ rating with BBB. Universal auto insurance is affiliated with AAA and sells auto insurance primarily in Georgia and North Carolina. Universal Auto Insurance reviews are often mixed in with reviews of AAA due the company's affiliation with the larger insurer, and Universal auto insurance quotes are offered through that company.
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UPDATED: Sep 29, 2022
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.
UPDATED: Sep 29, 2022
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.
On This Page
Universal Auto Insurance
Average monthly rate for good drivers:
$67A.M. Best rating:
B+Complaint level:
LowPros
- Universal Auto Insurance Company did well enough in the last few years to receive a B+ rating with A.M. Best and an A+ rating with BBB
- Universal Auto Insurance Company operates its website through AAA’s web services
Cons
- Universal Auto Insurance Company is available only in Georgia, some parts of South Carolina, and North Carolina
- The website doesn’t list any resources that show the visitor how to receive a quote online
The Bottom Line
Universal Auto Insurance Company did well enough in the last few years to receive a B+ rating with A.M. Best and an A+ rating with BBB.
There’s not much a potential customer can find online, but if you’re interested in learning more, you can call the Universal Insurance Company phone number or meet with a Universal Auto Insurance Company agent in person.
Universal Auto Insurance Company is an auto insurance company that serves as a private passenger and commercial firm. They offer auto and motorcycle insurance.
Universal Auto Insurance Company also provides accessory, liability, collision, comprehensive, uninsured, and underinsured insurance coverages.
Universal Auto Insurance Company is available in Georgia, some parts of South Carolina, and North Carolina.
Universal Property & Casualty Insurance Company Rates
Let’s look at average auto insurance rates for Georgia and North Carolina. The table below will compare the average rates in Georgia, North Carolina, and nationwide.
State | Average Annual Liability Coverage Rates | Average Annual Collision Coverage Rates | Average Annual Comprehensive Coverage Rates | Average Annual Full Coverage Rates |
---|---|---|---|---|
Georgia | $735 | $382 | $170 | $1,286 |
North Carolina | $372 | $334 | $133 | $839 |
U.S. | $611 | $363 | $160 | $1,134 |
Get Your Rates Quote Now |
This data comes from the National Association Of Insurance Commissioners (NAIC).
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Universal Property & Casualty Insurance Company Coverage Options
Universal Auto Insurance’s basic policies for individuals vary from state to state. Business coverage is similar; different businesses will have different insurance requirements.
For example, a car dealership and an import/export business operating out of a dock would be looking for different types of coverage.
A business auto insurance policy for a car dealership requires general liability insurance, as well as the following:
- Property damage liability
- Comprehensive
- Collision
- Bodily injury liability
- Multiple cars or fleet coverage
- Worker’s compensation for policyholders
- Medical Payment (Med Pay)
If the company is self-insured, it will require excess loss coverage. A car dealership will also require a huge comprehensive plan to cover weather conditions, theft, vandalism, and other incidents that may damage the inventory.
Frequently Asked Questions
#1 – Where can I find a Universal Auto Insurance agent in my area?
Whether you are looking for an agent for Universal Auto Insurance Company in Raleigh, NC, or in Atlanta, the main company contact number is your best bet. You may want to read some Universal Insurance agency reviews to decide which agent is best for you. There is no Universal Auto Insurance in Puerto Rico, at least not from this company.
#2 – Is AAA a good auto insurance company?
AAA has a lot of brand name recognition and is considered to be a solid company. They are among the largest insurance companies in some states, including California.
Is Universal Direct a good insurance company? Well, they have solid ratings and are backed by a good company, which gives them a good reputation.
The question of what makes a good insurance company depends on a lot of factors, including your needs and where you live. Is Auto-Owners a good insurance company? What about State Farm, or Geico?
You can look at reviews and ratings, but at the end of the day, your individual experience may vary.
#3 – Can Universal Auto Insurance Company bundle home insurance?
Based on what we’ve seen from Universal Auto Insurance Company, you will not be able to get home insurance through them. However, they are affiliated with AAA. They may be able to refer you to their parent company.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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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.
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