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United Auto Insurance Review
United Auto Car Insurance serves drivers in Illinois and Indiana only, according to the company’s site. It markets fast same-day auto insurance coverage and same-day SR-22 filings. If you need insurance quickly within IL or IN, United Auto Car Insurance can be a practical option.
The company positions itself as offering budget-friendly premiums, including 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. However, it publicly lists only a handful of discounts and add-ons.
United Auto: Financial Strength, Availability, and History
There are a few important caveats with United Auto. First, availability is limited — it serves drivers in Illinois and Indiana only (official site; locations/contact). Second, financial strength ratings are assigned to specific legal entities, and “United Auto” is ambiguous. Do not confuse Chicago‑based United Auto Insurance with Florida‑based United Automobile Insurance Company; past news items such as A.M. Best coverage reference a different insurer. For the Chicago‑based brand, verify any current rating directly via AM Best’s company search, Moody’s issuer lookup, and S&P Global’s public ratings list. The agency also maintains a profile with the BBB.
- In business since: Not confirmed
- J.D. Power (latest studies): Not rated
- AM Best Financial strength: Unconfirmed; verify via AM Best
- Moody’s financial strength: No public rating listed; check Moody’s
- S&P Global financial strength: No public rating listed; check S&P
United Auto Car Insurance Overview
Features
Overall, United Auto appeals to budget‑focused drivers in IL/IN who want flexible payment options and quick proof‑of‑insurance (SR‑22) filings. However, the limited coverage area and the lack of clearly published third‑party financial strength information are important considerations.
The Auto Insurance Factors We Analyzed
Pricing
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. Marketwide, premiums rose significantly from 2022–2024 and remained elevated into 2025, according to the BLS motor vehicle insurance CPI.
Customer experience
Across the industry, customer satisfaction has been pressured by higher prices, while strong digital tools and clear communications help mitigate friction. J.D. Power reports that overall digital-channel satisfaction improved even as shopping satisfaction declined amid price sensitivity (Digital Experience Study; Auto Insurance Study).
To apply for auto insurance, you’ll have to get in touch with the company. United Auto offers an online quote tool, and customers can make payments online; binding may require an in‑person visit or assistance from a representative.
Coverage types
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 and can help with SR‑22 filings where required. Keep in mind that rules vary by state — for example, Virginia’s minimum liability limits increased on January 1, 2025 (Code of Virginia §46.2‑472), and Florida requires elevated limits for three years after a DUI under §324.023. For liability coverage, it’s recommended to have enough to protect all of your assets, like retirement accounts, cars and investments.
Deals, discounts, and add-ons
United Auto doesn’t advertise a long list of discounts. Availability and value vary by state, vehicle and driver profile. Details on endorsements are limited on its site, but it does offer 24-hour roadside assistance. Industrywide, telematics programs have expanded since 2020, offering potential savings for safe driving, though availability differs by insurer.
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 (official site; see also a consistent 2020 archived snapshot).
The company offers affordable‑positioned premiums and flexible payment plans, but the coverages it sells are basic and third‑party financial strength information is not clearly published. If you live in IL/IN and need quick, budget car insurance or an SR‑22 filing, United Auto can be worth a look; drivers wanting broader endorsements or expansive digital tools may prefer larger carriers.
The Competition
| A.M. Best Financial Strength Rating | y | 24/7 Claims Support | |
| United Auto | Unconfirmed | N/A | Unknown |
All information accurate as of November 10, 2025.
United Auto Car Insurance vs. Erie
United Auto Car Insurance and Erie are very different providers. Recent J.D. Power studies show Erie typically ranks near the top for customer satisfaction in the regions where it operates, while United Auto is not covered in those national rankings. Erie serves a limited regional footprint via independent agents; United Auto writes only in Illinois and Indiana.
Both aim to serve drivers across a range of risk profiles. Erie emphasizes agent‑led service and features like Rate Lock (availability varies), whereas United Auto emphasizes flexible monthly payments and quick turnaround for IL/IN drivers. Actual premiums vary widely by driver profile and state.
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. Geico also offers a telematics program, DriveEasy, which can provide discount opportunities for safe drivers where available.
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 focuses on personal auto (including SR‑22 filings) and also markets motorcycle, taxi/limousine and commercial auto insurance (official site).
How much car insurance do I need?
To determine how much car insurance you need, start with your state’s minimum requirements, then consider buying higher limits for better protection. Requirements change by state — for example, Virginia’s minimum liability limits increased in 2025 (Code of Virginia §46.2‑472), and Florida requires elevated limits for three years after a DUI under §324.023. 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. See the official site and contact page for current service areas.
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.
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