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United Auto Insurance

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09/08/2023 07:40 PM

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United Auto Insurance Agency is a regional insurance provider that serves customers in Indiana and Illinois. The company specializes in insuring teen drivers and business vehicles. Our expert team conducted an in-depth review of United Auto Insurance rates, plans, and customer reviews to see how it measures up against the best car insurance companies in the country.

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United Auto Insurance Review: 4.0 Stars

Our expert team rated United Auto Insurance a 4.0 out of 5.0. Based on our research, we found that while customers report excellent service while shopping, the experience can be different when trying to file a claim. 

The company seems to be a solid option for teen drivers and those who need to satisfy SR-22 requirements. However, other drivers may find better rates and coverage elsewhere.

Cost 3.0
Coverage 4.5
Reliability 3.5
Service 4.0
Overall Rating 4.0

United Auto Insurance Cost And Discounts

Drivers in both Illinois and Indiana pay less than the national average for premiums. According to a 2018 study by the National Association of Insurance Commissioners (NAIC), drivers in Illinois paid an average of $916.49 for car insurance annually, while drivers in Indiana paid an average of $767.72. These averages are much less than the national average of $1,056.55.

However, your rates will vary. This is because, like all insurance companies, United Auto Insurance uses information about you and your vehicle to determine your unique rate.

Here are some of the factors that determine the cost of your premiums:

  • Vehicle: In general, more expensive cars cost more to insure. Vehicles that are often stolen also drive a higher premium.
  • Age: Younger drivers and especially teen drivers usually pay more for insurance. Senior drivers also tend to pay higher rates.
  • Driving record: A clean driving record will get you the lowest rates. Any recent accidents or moving violations will cause your premium to go up.
  • Location: Even within the same state, insurance companies often charge different rates to people living in different locations. Drivers in urban areas will sometimes pay higher rates than those in rural areas.
  • Credit score: Companies often charge higher rates to people with bad credit than those with higher credit scores.

United Auto Insurance Discounts

The United Auto Insurance Agency website mentions several discounts. These discounts can help lower your car insurance rates:

  • Multi-car discount: If you insure more than one vehicle with United Auto Insurance, you’ll get a break on your premiums.
  • Renewal discount: Like many car insurance agencies, United offers a discount to customers who re-sign with them after completing an insurance contract.
  • Safe driver discount: If you maintain a clean driving record for a certain period of time with United, you can get a discount on your premiums.

While these are the only discounts that the company explicitly mentions on its website, it’s always worth asking about others. Considering that United also offers renters insurance and homeowners insurance, you may get a discount for bundling multiple policies. The best way to learn about all the discounts the company offers is to reach out for a car insurance quote and ask an insurance agent directly.

United Auto Insurance Coverage

You must live in either Indiana or Illinois to get a car insurance policy from United Auto Insurance. The insurer offers policies that fit both states’ minimum required coverage as well as full coverage policies and additional coverage options.

Liability Bodily injury (BI) liability coverage covers the medical expenses for other drivers and their passengers after an accident where you are at fault. Property damage (PD) liability insurance pays for damages to other drivers’ vehicles after an accident where you are at fault.
Collision Collision insurance pays for damages that occur while your car is moving, either with another vehicle or a road hazard, or if you flip your vehicle.
Comprehensive Comprehensive insurance pays for damages to your vehicle that are caused by animals or natural disasters. It also pays to repair or replace your vehicle if it is stolen or vandalized.
Medical Payments Medical payments (MedPay) covers medical bills for you and your passengers after an accident.
Personal Injury Protection Personal injury protection (PIP) pays medical bills for you and your passengers after an accident. PIP may also pay for other expenses such as lost wages.
Uninsured/Underinsured Motorist Uninsured/underinsured motorist coverage pays for damages to your vehicle if you are hit by another driver who does not have insurance or does not have enough insurance to fully pay for the cost of damages.
Roadside Assistance This coverage option gives you access to free or discounted towing, jump-starts, and other emergency roadside services.
SR-22 Insurance United Auto Insurance covers drivers who require an SR-22–a certificate required for drivers convicted of serious traffic offenses like a DUI. Many insurance companies do not.
Motorcycle Insurance You can also insure your motorcycle through United Auto Insurance.
Commercial Auto Insurance United covers vehicles used for businesses, such as taxis, tow trucks, and limousines.

United Auto Insurance Usage-Based Insurance

Usage-based insurance allows you to pay an insurance premium based on the amount you use your car. Companies usually use a per-mile formula to calculate your premium for this type of insurance. It can be a good way to save money for people who work from home or otherwise don’t use their vehicles much.

Unfortunately, United Auto Insurance does not offer usage-based insurance. If you think you need this type of coverage, you may want to look to other providers.

United Auto Insurance Mobile App

At this time, the United Auto Insurance Agency does not have a mobile app for its customers. However, the company does let you pay your premiums and keep track of any claims through its relatively easy-to-use website.

United Auto Insurance Reviews

Better Business Bureau (BBB) rating: A+
BBB complaints in last three years: 330

United Auto Insurance customer reviews are largely positive. The company has a 4.4-star rating on Google with over 1,000 reviews. Customers also rated United 1.04 out of 5 stars on the BBB website.

Positive United Auto Insurance Customer Reviews

Most positive reviews cite friendly and professional service when dealing with United Auto Insurance.

“The customer service is always phenomenal. I recommend this place to anyone. Thankful that I’ve never had an accident, but I’m assured that they will have my back.”
– Kimberlee D. via BBB

“[Agent] was great. Very professional. She was very understanding and found me the best price option I needed for my SR-22. I will definitely be recommending them to family, friends, or anyone inquiring about a great insurance company.”
– Victoria C. via Google Reviews

Negative United Auto Insurance Customer Reviews

Customer reviews for United Auto Insurance are overwhelmingly positive, but the few negative reviews seem to focus mostly on the underwriters themselves and not United.

“This agency is underwritten by American Freedom Insurance. They have a history of closing claims, not responding and stealing your car if you have an accident and file a claim.”
– Tammy B. via Google Reviews

“I am extremely disappointed in their services. While I appreciate getting an affordable rate, what I do not appreciate is the lack of quality of the third party insurance they broker out to.”
– Sarah P. via Google Reviews

About United Auto Insurance

Founded: 1961
States available: Illinois, Indiana
Insurance types: Auto, homeowners, renters, commercial vehicles, motorcycles

Since 1961, United Auto Insurance has been providing car insurance to drivers in Illinois and Indiana. The company is known for providing coverage to high-risk drivers in particular, especially teen drivers and those with poor driving histories. It also offers homeowners and renters insurance policies.

It is important to note that while United Auto Insurance does provide the policies, it does not do its own underwriting. That means claims are handled by the company United Auto Insurance works with, not United itself.

Other Recommendations For Car Insurance

In your search for car insurance, it’s best to get quotes from multiple top-rated providers and compare your cost and coverage options to find the best fit. To get started, we recommend getting quotes from Geico and Progressive.

Geico: Best Overall Provider

In our in-depth Geico insurance review, we rated the company highly in every category. The company’s wide selection of coverage options, positive customer service ratings, industry standing, and near-universal availability make it an excellent choice for almost any driver. Based on our research, we named Geico the Best Overall Provider among all the car insurance companies we reviewed.

Progressive: Best Usage-Based Insurance

Our team found Progressive to be an excellent choice for any driver, but especially for people who don’t put too many miles on their car. The company offers fantastic rates on usage-based insurance, so people who work from home or don’t drive very much may get an exceptional value. Progressive reviews consistently mention great customer service and communication.

We named Progressive the Best Usage-Based Insurance, but the company scored highly in every category in our Progressive insurance review. It can be a good choice for car insurance for many drivers, and we recommend getting a free quote from the provider.

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Frequently Asked Questions

Is United Auto Insurance good?

Our expert team found United Auto Insurance to be a good option for teen drivers and drivers who need to satisfy SR-22 requirements. Other drivers may find better options with other providers.

Does United Auto Insurance have an app?

No, United Auto Insurance does not have a mobile app. However, the company’s website is user-friendly and allows you to pay your premiums and track your claims online.

What is the United Automobile Insurance company code with the NAIC?

United Auto Insurance Agency is a legitimate insurance provider registered under NAIC Code 524210.

How We Rate Insurers

Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:

  • Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
  • Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
  • Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
  • Service: We comb through customer reviews on sites like the BBB to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.

*Data accurate at time of publication.

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