United Auto Insurance: Reviews, Coverage & Cost (2022)
Sometimes, life happens and you need to get auto insurance right away. For such times, United Auto Insurance will work very well. However, if you have more time to go over your options, should you go with United Auto or another company?
In this article, we’ll take a look at the coverage options, discounts and customer service for United Auto Insurance. Our research team has also analyzed the best auto insurance providers based on the same factors, and we’ll make a few suggestions if you think United Auto Insurance isn’t the best provider for you.
In any case, it’s smart to shop around and get quotes from multiple coverage providers to find the best car insurance rates.
United Auto Insurance Review
We rated United Auto Insurance 4.0 out of 5.0. It may be a good option for teenagers or drivers who need to meet SR-22 requirements. The customer service you get when you shop is great, but it doesn’t necessarily hold up when it’s time to file an insurance claim. At the end of the day, this is an average company that can get you by until you find a plan from a better provider.
Pros and cons
Coverage for high-risk drivers
Same day SR-22 filing
There is no usage based option
High customer ratings with BBB
Underwriters can be hit or miss
About United Auto Insurance
United Auto Insurance Agency is an auto insurance company that offers coverage in Indiana and Illinois. Apart from car insurance, the company also offers home and renter’s insurance policies. The company has been in business for over 50 years and its specialties include last minute coverage and coverage for teenagers.
It is important to know that United Auto Insurance only sells insurance plans – it does not underwrite them. That means claims are handled by other insurance companies United Auto works with. In addition to auto insurance, United Auto Insurance also provides homeowners and renters insurance.
Note that there is another provider called United Automobile Insurance Company (UAIC), a separate entity based in Florida and also known as United Auto Insurance Company. The provider we’re talking about today is United Auto Insurance Agency, which offers online quotes and plans – not others.
United Auto Insurance Coverage
Whether you live in Illinois or Indiana, you can get basic car insurance coverage from United Auto Insurance that will meet and exceed your state’s minimum requirements.
Bodily Injury and Property Damage Liability Insurance (BI/PD) covers medical bills and repairs for others in accidents caused by you. Collision, comprehensive, medical payments (MedPay), and personal injury protection (PIP) cover damage to your car and your own medical bills. Uninsured and Underinsured Motorist (UM/UIM) covers your medical bills and repairs if you’re in an accident with someone who doesn’t have insurance – or you don’t have enough coverage to pay for your damages.
You can get all those insurance policies from any car insurance company. United Auto Insurance offers a few more options as well. This includes:
SR-22 Insurance: An SR-22 certificate is required after a driver is convicted of a crime such as DUI or reckless driving. Not all car insurance companies will insure SR-22 drivers, but United Auto Insurance does.
Residential: United Auto Insurance insures homeowners and renters.
Motorcycle: Motorcycle insurance coverage options include guest passenger insurance and insurance for accessories.
Commercial vehicle insurance: The company offers coverage for limousines, taxis, and any other type of vehicle used by small or medium-sized businesses.
Roadside Assistance: The program provides jump-start, towing, spare tire installation and mechanical assistance for members in the United States.
Finally, here are some things that United Auto Insurance does not offer:
- Rideshare coverage (for Uber drivers, Lyft drivers, etc.)
- Guaranteed Asset Protection (GAP) Insurance
- Usage based insurance
United Auto Insurance Cost
Our research found that the average driver pays $1,732 per year for comprehensive car insurance coverage. The US According to a 2017 study by the Department of the Treasury, good drivers in Illinois are paid about 22 percent less than the national average.
Many things can influence your auto insurance quotes with United Auto Insurance, including your neighborhood, other drivers on your policy, your driving history and your credit score. Your age, in particular, affects your price – teenagers can pay up to five times what a middle-aged person would pay.
We’ve compiled data on the cheapest providers by state to help give you a better idea of what you can expect to pay. The cost estimates below are based on a 35-year-old married driver with good credit history and a clean driving record.
United Auto Insurance Discount
With United Auto Insurance, policyholders can avail a few discounts. The insurance provider offers the following discounts:
- Multi-car: You can get discounts when you insure two or more vehicles under the same policy.
- Safe driver: You may be eligible for a discount when you maintain a good driving record for a certain period of time.
- Car Insurance Renewal: You can get discounts with United Auto Insurance when you maintain the coverage for a certain period without any lapse in coverage.
Discount amounts for each of the above may vary and are automatically applied when you qualify.
How to File a United Auto Insurance Claim
Filing a United Auto Insurance claim is a bit tricky. United Auto Insurance is an insurance agency, so it does not underwrite any of its own policies, as we mentioned earlier. It uses about a dozen other companies to underwrite the policies.
When it comes time to file a claim, you will need to contact your underwriting company. Some companies have easy-to-use claim forms on their websites, while others require you to call a phone number. The good thing is that you will get clear instructions on which company to contact when you sign up.
United Auto Insurance Competitors: Top Picks
The same US Treasury study mentioned above found that there are at least 200 car insurance companies that serve both Illinois and Indiana. That’s why shopping around for quotes is so important. Nobody has time to look at 200 different companies, but it definitely pays to get at least three quotes when you’re shopping for insurance. To look up other insurance companies in your area, use the free tool below.
To help you narrow down your options, we’ve researched dozens of companies and compiled a list of the best car insurance companies around. We recommend companies only when they consistently perform well in multiple categories such as price, customer service, discounts and financial strength. State Farm and Geico were the two companies that stood out to us.
State Farm Insurance: 4.6 stars
Our team’s review of State Farm Auto Insurance shows that State Farm is the largest car insurance company in the US. It wrote more than $40 billion in premiums in 2019 and has an A++ financial rating from AM Best, according to the National Association of Insurance Commissioners. It offers low-cost, high-quality coverage for many drivers and has a number of discounts, including our best student discount of up to 20 percent. State Farm is also great for drivers looking to work with local insurance agents.
State Farm’s technology department is also on point. There is a mobile app to manage your policy, an educational app for young drivers, an app to estimate repairs and a usage-based insurance app.
Besides being a good option for students and teenagers, State Farm is a good choice for anyone driving for a rideshare company. Other coverage options include roadside assistance, rental expense coverage, classic car insurance, and travel expense coverage. J.D. 2020 US of Power State Farm was ranked highest in the Mid-Atlantic and New York regions in the Auto Insurance Study and third among large insurers in the 2020 Insurance Shopping Study.
Geico Insurance: 4.6 stars
Of the 200 providers you can choose from in Illinois or Indiana, our Geico review explains why it should be at the top of your list.
Geico also has an A++ financial rating from AM Best, which means it can easily manage its insurance obligations. Geico has a 15 percent military discount that applies to active members and veterans, and we named it the best car insurance company overall. Many drivers feel that Geico offers them the lowest prices possible at a premium.
Additional options from Geico include rental reimbursement, roadside assistance, mechanical breakdown insurance (similar to an extended car warranty), and classic car insurance. Geico was ranked top in the Northwest and North Central regions in the J.D. Powers 2020 Auto Insurance Study and also ranked high among large insurers in the 2020 Insurance Shopping Study.
In an effort to provide consumers with accurate and unbiased information, our expert review team collects data from dozens of auto insurance providers to compile a ranking of the best insurance companies. Companies receive scores in each of the following categories, as well as an overall weighted score out of 5.0 stars.
Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
Availability: We consider availability by state as well as exclusions for certain groups of drivers.
Coverage: This rating is based on the types of insurance available, maximum coverage limits and add-on policies.
Pricing and Discounts: Our research team reviews sample quotes for different drivers in each state. Companies with low prices and many car insurance discount opportunities get the best scores.
Customer Service: We at J.D. We comb through customer reviews and consumer feedback studies from experts like Power.
Technology: With mobile apps, advanced online services and telematics, auto insurers are more likely to meet customer needs.