United Auto Insurance gets great customer reviews, but is there more to the story?

 
 

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?

Our research team has analyzed 30 of the best auto insurance providers based on financial strength, customer service, availability, cost and discounts, coverage, and technology. To learn more, you can read our review of the best car insurance companies. 

In this article, we'll look at coverage options, discounts, and customer service for United Auto Insurance.  

We recommend using the tool below or calling (855) 518-0148 to compare the best rates in your area:

 
 

In this article:

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. Here are some pros and cons about the company:

Pros Cons

Coverage for high-risk drivers

No app

Same-day SR-22 filing

No usage-based option

High customer ratings with the Better Business Bureau (BBB)

 

 

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.

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.

 


 

What Does United Auto Insurance Cover?

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) cover 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.

You can pretty much get all of those coverages from 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: 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 jumpstart, 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.)
  • Gap insurance
  • Usage-based insurance

     


     

How Much Does United Auto Insurance Cost?

United Auto Insurance only lists a few discounts on its website. These are discounts for insuring multiple cars, for being a good driver, and for 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 2016. That’s good news, but the only way to know exactly what you would pay is to get a quote.

Many things can influence the prices you see, 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.

 


 

What Are The Quotes And Claims Processes Like?

It's pretty easy to get a quote from United Auto Insurance. You can log on to the website and fill in some basic contact information, add drivers, and add your vehicles. It takes about five minutes, and you'll see a plan with pricing when you are done.

You can either purchase a plan right there, or you can call and double-check that you're getting all the discounts that are available to you. Generally, it can't hurt to call in and have somebody double-check on discounts.

The United Auto Insurance website publishes helpful information on each of the cities that United Auto covers, including demographics, the city motto, travel details, and city hall locations – which can be helpful for motorists.

To see how the quote process for United Auto Insurance compares to other insurance providers, use the tool below or simply call our team at (855) 518-0148.

 
 

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 is on top of its customer reviews. The company has an A+ rating from the BBB with accreditation, but what’s really impressive is its 4.6-star rating from customer reviews. It has 52 reviews in total, and 44 of those are 5-star reviews. Here are a few 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 ****** Auto Insurance is another thing.”

-Terina via BBB

“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

Nearly all of the 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.

 


 

Our Verdict On United Auto Insurance

United Auto Insurance 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.

 


 

Top 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 tool below or simply call (855) 518-0148:

 

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 logo

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 United States. It wrote almost $42 billion in premiums in 2018 according to the National Association of Insurance Commissioners, and it has an A++ financial rating from AM Best. It tends to offer affordable coverage for many drivers and has a number of discounts, including the best student discount we’ve come across of 20 percent.

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 scored 3 out of 5 on J.D. Power’s 2019 U.S. Auto Claims Satisfaction Study and Insurance Shopping Study, which are both indicators of customer satisfaction.

Geico Insurance logo

Geico Insurance: 4.5 Stars

Out of the 200 providers that you can choose from in Illinois or Indiana, our Geico auto insurance review explains why they should also be at the top of your list.

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 the cheapest quotes.

Extra options from Geico include rental reimbursement, roadside assistance, mechanical breakdown insurance (similar to an extended car warranty), and classic car insurance. Geico also scored 3/5 on the two J.D. Power studies we mentioned above.

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