Sometimes, life happens and you need to get auto insurance immediately. For times like these, United Auto Insurance would work pretty well. However, if you have more time to go over your options, should you go with United Auto or with another company?
In this article, we'll take a look at 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 offer a few suggestions if you find 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. You can enter your zip code into the box above to start comparing rates from top insurers in your area.
In this article:
- United Auto Insurance Overview
- United Auto Insurance Coverage
- United Auto Insurance Cost And Discounts
- United Auto Insurance Reviews
- United Auto Insurance Technology And Apps
- Our Take On United Auto Insurance: 4.0 Stars
- Our Recommended Car Insurance Providers
United Auto Insurance Overview
United Auto Insurance Agency is a car insurance company that offers coverage in Indiana and Illinois. It has been in business for over 50 years, and its specialties include last-minute coverage and coverage for teens.
It’s important to know that United Auto Insurance only sells insurance plans – it doesn’t underwrite them. That means claims are handled through other insurance companies that 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), which is a separate organization based in Florida and is also known as United Auto Insurance Company. The provider we are talking about today is United Auto Insurance Agency, which offers quotes and plans online – the other does not.
United Auto Insurance Coverage
Whether you live in Illinois or Indiana, you can get basic car insurance coverage from United Auto Insurance that will satisfy your state’s minimum requirements and go beyond them.
Bodily injury and property damage liability insurance (BI/PD) covers medical bills and repairs for other people in accidents that you cause. 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 get into an accident with someone who does not have insurance – or doesn’t have enough coverage to pay for your damages.
You can get all of those insurance policies from pretty much any car insurance company. United Auto Insurance also offers some more options. These include:
- SR-22 insurance: An SR-22 certificate is required after a driver is convicted of an offense like a DUI or reckless driving. Not all car insurance companies will insure SR-22 drivers, but United Auto Insurance does.
- Dwelling: United Auto Insurance offers homeowners and renters insurance.
- 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 that a small or medium-sized business would use.
- Roadside assistance: The program provides jump-start, towing, spare tire installation, and mechanical assistance for members across the United States.
Finally, here are a few 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 And Discounts
United Auto Insurance only lists a few discounts on its website. These are discounts for insuring multiple cars, being a good driver, and customer loyalty. According to a 2017 study by the U.S. Department of the Treasury, good drivers in Illinois pay about 22 percent less than the national average.
Similarly, the Insurance Information Institute found Indiana to be the ninth cheapest state for car insurance in 2017, with rates averaging $744.39 annually. That’s good news, but the only way to know exactly what you would pay is to get a quote.
Many things can influence your auto insurance quotes, including your neighborhood, other drivers on your policy, your driving history, and your credit score. Your age, in particular, affects your price – teens can pay up to five times what a middle-aged person would pay. To save money on car insurance, it's best to shop around.
See how United Auto Insurance quotes compare to other insurance providers' prices using the free tool below.
As far as filing a claim goes, this is where things get a little bit tricky. United Auto Insurance is an insurance agency, so it doesn't underwrite any of its own policies, as we mentioned before. It uses about a dozen other companies to underwrite policies.
When it comes time to file a claim, you will have to contact your underwriting company. Some companies have easy-to-use claims forms on their websites, while others require you to call a phone number. The good thing is that you’ll get clear instructions on which company to contact when you sign up.
United Auto Insurance Reviews
United Auto Insurance reviews tend to suggest high customer satisfaction. The company has an A+ rating from the BBB with accreditation, but what’s really impressive is its 4.62 out of 5-star rating from over 50 customer reviews. Its Yelp page also has 40 reviews averaging 1.5 out of 5.0 stars.
Positive United Auto Insurance Reviews
“Great prices! Representatives you speak with are great. Mine was Joyce [and] she helped me get my insurance. She was awesome [and] quick.”
- Jameika via BBB
“I [would] like to resubmit my review of United Auto Insurance. They called me to make sure everything was OK and they did help me out, so thanks for the help.... But [the third-party] company is another thing.”
- Terina via BBB
Negative United Auto Insurance Reviews
“United people are nice and getting insurance [through] them is easy, but it's the worst mistake you'll make…. If I'd known they were going to set me up with the worst possible insurance company, I would've never done it…. I recommend you check the insurance company they insured you [through] and read up on reviews.”
- Am R. via BBB
"Insurance is cheap, but if you get in the accident - get ready to fight, call every day and wait forever for [the] claim to be reviewed and approved."
- Irina F. via Yelp
Nearly all of United Auto Insurance’s 5-star reviews are like the first one we have here: The customer praises a customer service rep for setting them up with a plan quickly and easily. However, it seems like the claims service can be lacking depending on which underwriting company you get.
United Auto Insurance Technology And Apps
United Auto Insurance does not offer a mobile app at this time. However, you can access your policy and claims through the company's online portal.
Our Take On United Auto Insurance: 4.0 Stars
We rated United Auto Insurance 4.0 out of 5.0. It could be a good option for teens or drivers who need to fulfill SR-22 requirements. The customer service you get when you shop is very good, but that doesn't necessarily continue 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.
Coverage for high-risk drivers
Same-day SR-22 filing
No usage-based option
High customer ratings with the BBB
Underwriters can be hit-or-miss
Our Recommended Car Insurance Providers
The same U.S. Treasury study mentioned above found that there are at least 200 car insurance companies that serve both Illinois and Indiana. That's why it's so important to shop around for quotes. Nobody has the 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 at other insurance companies in your area, use the free tool below.
To help narrow your options, we've done research on dozens of companies and compiled a list of the best car insurance companies around. We only recommend companies when they consistently perform well across multiple categories like price, customer service, discounts, and financial strength. Two companies that stood out to us were State Farm and Geico.
State Farm Insurance: 4.5 Stars
Our team's review of State Farm auto insurance reveals that State Farm is the largest car insurance company in the U.S. It wrote over $40 billion in premiums in 2019 according to the National Association of Insurance Commissioners, and it has an A++ financial rating from AM Best. It tends to offer low-cost, high-quality coverage for many drivers and has a number of discounts, including the best student discount we’ve come across of 20 percent. State Farm is also great for drivers who want to work with local insurance agents.
State Farm’s technology department is also on point. There is a mobile app for managing your policy, an educational app for young drivers, an app for estimating repairs, and a usage-based insurance app.
In addition to being a good option for students and teens, State Farm is a good choice for anyone who drives for a rideshare company. Other coverage options include roadside assistance, rental expense coverage, classic car insurance, and travel expense coverage. State Farm ranked highest in the Mid-Atlantic and New York regions on J.D. Power’s 2020 U.S. Auto Insurance Study and ranked third among large insurers in the 2020 Insurance Shopping Study.
Geico Insurance: 4.5 Stars
Geico also has an A++ financial rating from AM Best, which means it can manage its insurance obligations easily. Geico has a military discount of 15 percent that applies to active members and veterans, and we named it the best car insurance company overall. Many drivers find that Geico gives them some of the lowest possible prices on premiums.
Extra options from Geico include rental reimbursement, roadside assistance, mechanical breakdown insurance (similar to an extended car warranty), and classic car insurance. Geico got the top spot in the Northwest and North Central regions in J.D. Powers 2020 Auto Insurance Study and also ranked highest among large insurers in the 2020 Insurance Shopping Study.
In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score 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 specific groups of drivers.
- Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
- Cost and Discounts: Our research team reviews sample quotes for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
- Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
- Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.
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