Shannon Martin is a licensed insurance agent and Bankrate analyst with over 15 years of experience in the industry. She enjoys helping others navigate the insurance world by cutting through complex jargon and empowering readers to make strong financial decisions independently.
Lisa McArdle is an insurance editor who joined the Bankrate team in 2023. She has more than 15 years of experience writing, editing and managing content in a variety of industries, including insurance, auto news and pop culture.
Lisa McArdle is an insurance editor who joined the Bankrate team in 2023. She has more than 15 years of experience writing, editing and managing content in a variety of industries, including insurance, auto news and pop culture.
At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have 9 licensed insurance agents on staff who have spent a combined 78 years in the insurance industry. While we adhere to strict
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At a glance
Bankrate's take
United Auto Insurance might be a good choice for those looking for multilingual service in English, Spanish and Polish, but coverage is only available in two states, and digital services are limited.
Same-day sR-22 filing available
No mobile app and website has limited functionality
Policies are only available in parts of Illinois and Indiana
Offers motorcycle and commercial policies
United Auto car insurance review
United Auto Insurance may be a competitive option for drivers with high-risk incidents on their record who still want affordable coverage, or for drivers who need coverage quickly — as the company states that it specializes in “last minute coverage.”
The company offers standard auto insurance coverage options. In addition, it files SR-22s on drivers’ behalfs and offers taxi, limousine, commercial vehicle and motorcycle insurance. If you’re looking for roadside assistance, UAI offers 24-hour emergency road service in the state of Illinois, which includes towing and lockout services. Currently, the company is not rated by AM Best, Standard & Poor’s (S&P) or J.D. Power.
Pros and cons of United Auto car insurance
If you are considering United Auto car insurance, it can be helpful to look into it as a carrier when comparing car insurance companies. Some advantages and disadvantages to consider are:
Pros
Offers same-day coverage with proof of insurance and SR-22 filing for those who qualify
Non-owner car insurance policies available
Offers multilingual service in English, Spanish and Polish
Cons
Car insurance only available in Illinois and Indiana
Not rated by third-party agencies for customer service and financial strength
No mobile app
United Auto car insurance cost
Average car insurance rates for United Auto insurance are unavailable, but the national annual average cost of car insurance is $2,685 for full coverage and $800 for minimum coverage. Your actual rates with United Auto car insurance may be higher or lower depending on your car insurance rating factors. The best way to find out your exact rate is to get a quote directly from United Auto and compare it to a few other insurance companies.
United Auto customer satisfaction
Third-party ratings can help you understand how current customers feel about the quality of service and coverage they receive from an insurance provider. Companies like J.D. Power produce studies each year that rate and rank insurers based on their customer satisfaction across multiple categories. J.D. Power does not have a ranking for United Auto, likely due to its limited availability.
United Auto car insurance customer complaints
As a smaller insurance company that only operates in two states, United Auto’s insurance policies aren’t rated by third-party agencies like J.D. Power for customer service. It also has no history in the National Association of Insurance Comissioners’s Complaint Index. Additionally, the carrier is not rated by AM Best or Standard & Poor’s for financial strength.
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Compare United Auto with other insurers
If United Auto isn’t the right choice for you, it may be helpful to consider quotes from these comparable car insurance companies:
United Auto vs. State Farm
State Farm was deemed one of the best home insurance companies and one of the best auto insurance companies overall in the 2023 Bankrate Awards, which may make it a top consideration for those looking to bundle their coverage. State Farm offers generally low premiums, nearly nationwide coverage and high customer satisfaction. However, the carrier may not offer coverage to high-risk drivers with DUIs as readily as United Auto.
If you’re a member of the U.S. military, a veteran or a qualifying family member, you may want to look into USAA insurance. USAA offers low average premiums and consistently scores highly in J.D. Power customer satisfaction surveys for home and auto.
If you’re looking for a company that generally offers policies to high-risk drivers and has nationwide availability, you may want to get a quote from Geico. Its coverage is relatively basic, but the company offers a longer list of discounts than UAI.
The insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers the information they need to make educated decisions when shopping for a policy.
78
years of industry experience
9
licensed staff
34.5K
ZIP codes examined
120
carriers reviewed
Is United Auto a good insurance company?
In summarizing this United Auto Insurance review, the carrier might be worthy of consideration for high-risk drivers that need immediate coverage, especially if trying to avoid penalties in Illinois. The company offers same-day coverage and SR-22 filing for those who qualify. Those who want to carry their homeowners insurance with the same provider may also find it convenient to bundle policies with United Auto Insurance. Additionally, drivers who speak Spanish or Polish as a first language will likely appreciate its multilingual services.
However, there is limited information regarding its average home and car insurance rates to indicate how much drivers could potentially save compared to the state and national average. The company also does not offer any digital policy management or claims reporting tools.
Coverage from United Auto is limited to two states and is not rated by third-party companies for customer service and financial strength.
What are real-life customers saying about United Auto?
To gain a clear picture of the current customer experience with United Auto Insurance, Bankrate's insurance editorial team has evaluated reviews from multiple online platforms. Google and Yelp reviews paint a vastly different picture of United Auto Insurance, and we are here to provide you with some helpful insight.
Yelp
Currently, Yelp has 53 comments toward United Auto Insurance and with a 1.4 out of 5 star rating, the comments are not very positive. Most of the comments are several years old and speak to poor claims service. Other reviews state confusion in paperwork, long hold times and challenging agent interactions.
Google
On the flip side, Google has more than 1,400 reviews for United Auto Insurance and they score 4.4 out of five stars. These reviews rave about fast customer service, helpful agents and affordable car insurance rates. Negative comments touch on the rising cost of auto insurance and poor claim experience.
Google user 1
Jan 1, 2023
I had to call the insurance after wanting to get...
“I had to call the insurance after wanting to get a quote online & having to fill out an SR-22. It is my first time doing something like this. When I called, Felicia (who I was on the phone with) asked me some questions to get a better understanding for my quote. She was very informative and made me feel confident in my decision to be insured through this establishment after going through the trouble to provide me a quote. I'm very content with how she was able to help me out and I'm very grateful for this insurance.”
“No one ever called me back after the lady said she would. Therefore, I went with another insurance company. They didn't have the professionalism to follow-up, which was a serious red flag for me.”
If you are considering United Auto as your insurance provider, here are ways to contact an agent to inquire about a quote or to ask any other questions you may have:
For customer service, call 1-773-202-5000. An agent is available Monday through Friday 8 a.m. to 8 pm and on Saturdays 8 a.m to 5 p.m.
You can get insurance quotes or learn more about United Auto on their website.
State availability
Both United Auto insurance home and auto policies are only available in Illinois and Indiana, specifically Chicagoland and Northwest Indiana.
United Auto tools and benefits
Beyond home and auto insurance, you may want to consider the following perks that could make UAI the right provider for you.
Renters insurance: In addition to personal property coverage, UAI renters insurance offers policies to cover liability for personal injuries that may occur at your place. It also offers living expense coverage to cover additional costs you incur while your home is being repaired following a covered claim.
Motorcycle insurance: UAI offers standard motorcycle coverage types as well as excursion diversion, rental coverage and roadside assistance for motorcycles.
Commercial vehicle insurance: If you use your vehicle for business purposes, such as delivery, service visits, taxi driving, sales calls and more, you may want to purchase commercial car insurance, which could help protect your finances while driving for business.
Insurance tip repository: UAI’s website includes a list of advice articles on home and car insurance that you may find useful.
Site version for Spanish speakers: UAI has an identical version of its website that’s written in Spanish for added accessibility and better customer service for Spanish speakers.
SR-22 filing: If you are required to file an SR-22 with your state following a driving infraction like a DUI or lapse in coverage, UAI may be able to do this on your behalf.
Frequently asked questions about United Auto
United Auto Insurance does not share any community outreach or corporate sustainability efforts on its website.
To file a claim, United Auto recommends getting in touch with the company directly. This could be your local insurance agent with United Auto. There are many call center phone numbers for Illinois policyholders, depending on location, while Indiana has only one number.
United Auto is a paired-down insurance provider and does not have many extras. Life insurance is not an option at this time. If you are in the market for a life insurance policy, review Bankrate’s list of the best life insurance companies to get an idea of available options.
United Auto does not have a Bankrate Score since it works with several third parties to underwrite its insurance policies. While that does not indicate they are a lesser company, it can be challenging to find consistency in a company's service and financial stability when each underwriting company can have different coverage options and stability ratings.
Shannon Martin is a licensed insurance agent and Bankrate analyst with over 15 years of experience in the industry. She enjoys helping others navigate the insurance world by cutting through complex jargon and empowering readers to make strong financial decisions independently.
Lisa McArdle is an insurance editor who joined the Bankrate team in 2023. She has more than 15 years of experience writing, editing and managing content in a variety of industries, including insurance, auto news and pop culture.
Bankrate follows a strict editorial policy, so you can trust that we’re putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions.
Key Principles
We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers.
Editorial Independence
Bankrate’s editorial team writes on behalf of YOU — the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information.
How we make money
You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey.
Bankrate follows a strict
editorial policy, so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers.
We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money.
Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range, can also impact how and where products appear on this site. While we strive to provide a wide range of offers, Bankrate does not include information about every financial or credit product or service.
Insurance Disclosure
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
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