United Auto Insurance Review
United Auto Car Insurance serves drivers in Illinois and Indiana. It specializes in same-day auto insurance coverage and same-day SR-22s. If you need insurance fast, United Auto Car Insurance is a great option.
The company is known for offering affordable insurance premiums, even for high-risk drivers. United Auto will work with you to create a customized monthly payment plan if you’re on a budget and need insurance.
In terms of coverage, United Auto offers standard options, including collision, comprehensive, uninsured/underinsured motorist, liability and medical payments coverage. But it only offers a handful of discounts and endorsement policies.
United Auto: Financial Strength, Availability, and History
There are a few significant downsides to United Auto. First, it has a minimal coverage area — it only serves drivers in Illinois and Indiana. Additionally, the company has very poor financial strength. United Auto has a ‘C’ rating from A.M. Best, which is considered ‘weak.’ However, the company does have good customer ratings. United Auto has an A+ rating from the BBB with an average rating of 4.5 out of 5 stars.
- In business since: 1989
- J.D. Power 2019: N/A
- AM Best Financial strength: C
- Moody’s financial strength: N/A
- S&P Global financial strength: N/A
United Auto Car Insurance Overview
Overall, we like United Auto because of its affordable rates, flexible payment options and fast same-day insurance coverage. However, the company has a limited coverage area, and the weak financial strength is a red flag.
The Auto Insurance Factors We Analyzed
When shopping for car insurance, price is usually a key consideration. United Auto Car Insurance claims that it offers some of the lowest premiums in the area, especially for high-risk drivers, young drivers and drivers who have never had car insurance.
However, car insurance premiums are highly personalized. Every driver pays a slightly different rate based on several factors that insurance companies use to calculate premiums. Some factors you can control, like your deductible and coverage levels. Other factors you can’t, like your age and state.
Based on reviews, United Auto Car Insurance seems to have excellent customer service. The company has an A+ rating from the BBB with an average rating of 4.5 out of 5 stars. There are very few complaints, which is a sign that the company prioritizes customer service.
To apply for auto insurance, you’ll have to get in touch with the company. United Auto offers an online quote tool, but you can’t purchase a policy online —you’ll need to go to a branch to buy your car insurance personally. In terms of experience, the company has a very basic website, but customers can make payments online.
United Auto offers standard coverage, including collision, comprehensive, uninsured/underinsured motorist, liability and medical payments coverage. However, its website doesn’t offer much information about what those coverages mean. In addition to auto insurance, the company also sells motorcycle, taxi, limousine and commercial auto insurance.
If you’re unsure about how much coverage you need, contact a United Auto Car Insurance agent. They’ll tell you the minimum amount of coverage you need to have in your state. Its customer support can also walk you through the process of getting an SR-22. For liability coverage, it’s recommended to have enough coverage to protect all of your assets, like retirement accounts, cars and investments.
Deals, discounts, and add-ons
United Auto doesn’t offer the best discounts. It only offers three discounts, which include a multi-car, safe driver and policy renewal discount. The actual discount varies based on your state and the type of vehicle you drive. It’s unclear if United Auto offers endorsement coverages, like new car replacement or non-owners insurance. It doesn’t advertise any add-on policies on its website, but It does offer 24-hour roadside assistance.
The Bottom Line
United Auto Car Insurance has its pros and cons. The company has a very small coverage area — only drivers in Illinois and Indiana can get coverage. But if you live in a covered state and need to quickly obtain car insurance or an SR-22, this is a provider you should look into.
The company does offer affordable premiums and flexible payment plans, but the coverages it sells are very basic. There are better providers than United Auto Car Insurance if you’re looking for more comprehensive coverage and endorsement policies. And given its weak financial strength, we only recommend this provider for high-risk drivers who need cheap coverage fast.
|A.M. Best Financial Strength Rating||J.D. Power 2019 Claims Satisfaction Study||24/7 Claims Support|
All information accurate as of May 27, 2020.
United Auto Car Insurance vs. Erie
United Auto Car Insurance and Erie are very different providers. Erie is a highly rated insurance company, with a score of 880/1,000 from J.D. Power in the mid-size insurer category. In comparison, United Auto is not rated by J.D. Power, and is a much smaller company. Erie serves drivers in 12 states, whereas United Auto only sells insurance in two states.
Both Erie and United Auto offer SR-22s, but Erie doesn’t offer same-day coverage. In terms of price, Erie tends to be more expensive than United Auto, and it doesn’t offer the same flexible payment plans that United Auto does.
United Auto Car Insurance vs. Geico
United Auto Car Insurance and Geico are similar when it comes to the price of its premiums. Both companies advertise affordable premiums and policies that can fit within any budget. United Auto and Geico are both good options for high-risk drivers who face more expensive rates.
In terms of discounts, Geico offers many more options than United Auto; therefore, it’s possible that a Geico policy could be cheaper than United Auto. We also like that Geico has more online tools and resources to help drivers decide what type of insurance they need, and how much coverage they should purchase.
United Auto Insurance FAQ
What other types of insurance does United Auto offer?
United Auto offers car, SR-22, homeowners, renters, motorcycle and commercial vehicle insurance. If you bundle your home and auto policies with United Auto, you can save money on your premium.
How much car insurance do I need?
To determine how much car insurance you need, find out how much insurance your state requires you to have. You can choose to carry the minimum amount, but it’s recommended to purchase additional coverage. Use this guide to see what coverage level is best for each type of car insurance.
Where is United Auto auto insurance coverage available?
United Auto only offers car insurance to drivers in Indiana and Illinois.
What does United Auto car insurance typically cover?
United Auto offers standard coverage, including collision, comprehensive, liability, uninsured/underinsured motorist and medical payments coverage. Drivers can also choose to add 24/7 emergency roadside assistance to their car insurance policy.