United Automobile Insurance Company (UAIC) Review
United Automobile Insurance Company (UAIC) Review
Find Cheap Auto Insurance Quotes from Companies like UAIC
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.
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.
Find Cheap Auto Insurance Quotes in Your Area
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.
Company | Single driver | Senior couple | Family |
|---|---|---|---|
| UAIC | $1,935 | $1,040 | $3,972 |
| Geico | $450 | $233 | $1,357 |
| Safeco | $664 | $261 | $1,557 |
| 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
Company | Rating |
|---|---|
| A.M. Best Financial Strength Rating (2021) | Not Rated |
| NAIC Complaint Index (2019) | 40.45 (National Index 1.00) |
| Better Business Bureau | A |
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
Methodology
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.
Driver | Driving record | Car |
|---|---|---|
| Single male driver, age 25 | One violation, one no-fault accident | 2022 Toyota Camry |
| Senior couple, ages 70 & 65 | None | 2017 Toyota Camry |
| Family, ages 50, 18 & 20 | None | 2022 Toyota Camry, 2022 & 2017 Toyota Corolla |
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.