United Automobile Insurance Company (UAIC) Review

United Automobile Insurance Company (UAIC) Review

UAIC serves high-risk drivers, but high rates and sub-par customer service make it a poor choice for most drivers.

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United Automobile

Editor's Rating

United Automobile Insurance Company is a regional insurer serving mostly high-risk drivers in parts of the South and Midwest. Unfortunately, UAIC offers drivers few benefits. UAIC's rates are more expensive than competitors, and you'll have to talk to an agent just to get a quote.

The company's poor customer service and claims support are the source of hundreds of complaints. Though you can file a claim online, most customer reviews cited problems with the entire claims process, including months-long delays, rejected claims and missing payouts. You may save yourself a future claims nightmare by choosing another company.

Good for
  • High-risk drivers, including people who need an SR-22 or FR-44
  • Drivers who want to buy from an agent
Bad for
  • Drivers who want affordable rates
  • Good customer support

Alternatives to UAIC

United Auto Insurance quotes

United Automobile Insurance has some of the highest rates compared to competitors. We pulled rates for several different driver profiles across Florida. UAIC's rates were more than double its competitors' rates, which means you'll likely be able to find cheaper rates and better customer service from other companies.

UAIC minimum liability quotes

UAIC's rates were 97% higher for minimum coverage policies compared to the average.

UAIC auto insurance rates

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Competitors Geico, Safeco and State Farm offered cheaper rates for the same driver profile, and all three accept high-risk drivers, including those who need SR-22 and FR-44 support.

Single driver
Senior couple
State Farm$730$424$1,459

UAIC discounts

You'll have to call an agent to find out which discounts you may be eligible for, as UAIC doesn't advertise any discounts on its website.

United Automobile Insurance coverage

United Automobile Insurance offers standard car insurance coverage, including:

  • Bodily injury and property damage liability
  • Collision
  • Comprehensive
  • Personal injury protection
  • Medical payments
  • Rental car reimbursement (up to $20 a day)

UAIC's website has very little information about the coverage it offers. Drivers have to contact an agent directly to find out what options are available in your state.

UAIC reviews and complaints

UAIC's many negative customer reviews and unstable financial outlook are both concerning. We recommend that drivers get multiple quotes from other car insurance companies to educate themselves on market rates and compare coverage.

Most of UAIC's customer reviews centered around problems and delays in handling claims. Customers noted support reps didn't return calls promptly or at all, and many claims were denied, delayed for months or weren't settled in a satisfactory way. For the most part, complaints through the BBB were either settled or resolved eventually.

UAIC has received abysmal customer ratings from the National Association of Insurance Commissioners (NAIC) in two of the last three years of available data. UAIC received 245 complaints and a score of 28 in 2018, and 320 complaints and a score of 40 in 2019. A score of 40 means the company had 40 times the number of expected complaints for its size. However, UAIC only received one complaint and a respectable score of 0.16 in 2020. This could be a sign the company is improving, or it could point to a lack of data or an anomaly due to the coronavirus pandemic.

United Automobile Insurance has been Not Rated with A.M. Best since 2016, when it withdrew from A.M. Best's financial scoring. However, its financial strength rating was graded "Weak" with a "Negative" outlook from 2013 to 2015. This means UAIC might not be able to pay out future claims for its insured drivers.

UAIC ratings

A.M. Best Financial Strength Rating (2021)Not Rated
NAIC Complaint Index (2019)40.45 (National Index 1.00)
Better Business BureauA

About United Automobile Insurance Company

UAIC began underwriting auto insurance policies in Miami, in 1989, and has hundreds of local agents in Florida, Georgia and Texas. The company has since expanded and is licensed in 16 states and now provides car insurance in Arkansas, Arizona, Florida, Georgia, Illinois, Indiana, Kansas, Kentucky, Louisiana, Mississippi, Nebraska, Nevada, Oklahoma, Pennsylvania, South Carolina and Utah.

To get in touch with UAIC, you'll have to contact customer service in your state during standard business hours. There's no agency or broker locator tool on the UAIC website.

  • Florida: (305) 940-5022
  • Georgia: (770) 209-9710
  • Texas: (866) 223-0668
  • All other states: (305) 940-5022

How to file a claim with UAIC

To file a claim with United Automobile Insurance, you can use the online claims portal, available 24/7. Or you can call the claims department, which is typically available from 8 a.m. to 5 p.m. ET for claim updates and 8 a.m. to 6 p.m. for new claims.

  • Florida: (305) 940-7299
  • Georgia: (770) 209-9710
  • Texas: (800) 450-8247
  • All other states: (305) 940-7299


To compare the costs of UAIC's auto insurance rates, we pulled auto insurance rates for three sample driver profiles from the Florida Office of Insurance Regulation. Policies included the state minimum liability coverage in Florida. Your actual rates may vary.

Driving record
Single male driver, age 25One violation, one no-fault accident2022 Toyota Camry
Senior couple, ages 70 & 65None2017 Toyota Camry
Family, ages 50, 18 & 20None2022 Toyota Camry, 2022 & 2017 Toyota Corolla

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