UAIC Insurance Review
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Key Points:
- UAIC is an insurance broker that connects customers with auto insurers in 12 states.
- UAIC receives mixed reviews for customer service but holds an A+ rating from the Better Business Bureau.
- Local UAIC agents can connect drivers with unique discounts.
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While some people enjoy working with a large, well-known auto insurance brand, others appreciate the personalized attention of a local, independent broker like United Automobile Insurance Company (UAIC). UAIC insurance is available in 12 states and offers every standard type of auto insurance coverage.
As a broker, UAIC can give you access to insurance policies from providers with low-cost policies. However, the company itself has a weak financial strength rating, which is a red flag. Read on to find out our take on UAIC insurance, and start getting your own rates from some of the best auto insurance companies below.
UAIC Insurance Rating
United Automobile Insurance Company–known to some as United Auto Insurance–is a local agency with a goal to provide friendly and fair customer service. See how UAIC scored in each of our review categories below:
| Review category | UAIC’s rating out of 5 |
|---|---|
| Reliability | $4 |
| Availability | $4 |
| Coverage | $4 |
| Cost | $3 |
| Customer service | $4 |
| Overall | 3.7 |
Unfortunately, UAIC insurance has mostly negative customer service reviews citing a negative claims process, which is why we rate the insurer only 3.7 stars out of 5.0 in our review of the insurance industry.
UAIC Insurance Overview
United Automobile Insurance Company was founded in 1989 in Miami Gardens, Fla. It aims to provide high-quality insurance at a low cost for the non-standard auto insurance market. UAIC is an insurance broker, which means it sells other providers’ plans. Brokers can be a good idea for drivers with unique needs or those who would rather have an agent find the best rates for them.
You can get UAIC insurance in the following states:
- Arizona
- Arkansas
- Florida
- Georgia
- Illinois
- Indiana
- Mississippi
- Nevada
- Oklahoma
- South Carolina
- Texas
- Utah
UAIC offers insurance products for both personal and commercial auto.
UAIC Insurance Coverage
UAIC insurance is provided by local independent agents that can help you unlock personalized coverage options.
Once you contact an insurance agent and explain the type of plan you need, they can guide you through the process of finding the right coverage, starting with your state’s minimum liability auto insurance requirements. You can purchase an insurance policy starting with the standard types of insurance:
- Liability coverage (bodily injury and property damage)
- Collision coverage
- Comprehensive coverage
- Medical payments
- Personal injury protection
- Uninsured/underinsured motorist coverage
You can also ask about add-on options like rental reimbursement, roadside assistance plans, guaranteed asset protection (GAP) insurance, and usage-based coverage.
Because UAIC sells coverage from many of the biggest car insurance companies, you have a good chance of finding a policy that works with your needs and budget. Call your local office to learn about the specific companies it works with.
UAIC Insurance Cost And Discounts
Many factors will impact your UAIC insurance premium. Things like your gender, age, location, marital status, credit score, driving history, and the type of car you drive can increase or decrease your rates.
Below are average rates from some of the top providers in the country to help you compare and get a better idea of what coverage may cost you. For these estimates, we used the profile of a single, 30-year-old male with good credit and a clean driving record. The quotes are for full-coverage car insurance on a 2020 Honda CR-V.
National Estimates For Full-Coverage Car Insurance
| Car Insurance Company | Annual Rate Estimate |
|---|---|
| USAA | $1,476 |
| Geico | $1,572 |
| Nationwide | $1,674 |
| State Farm | $1,680 |
| Progressive | $1,809 |
| Allstate | $2,520 |
Average Insurance Prices For States Where UAIC Is Available
Because UAIC is an independent broker and not a direct provider, your rates will change based on which provider you ultimately end up with. To help you get a good idea for what you’ll pay in your state, here are averages for states in which UAIC is available:
| State | State Average Cost Estimate |
|---|---|
| Arizona | $1,767 |
| Arkansas | $1,832 |
| Florida | $3,802 |
| Georgia | $1,943 |
| Illinois | $1,970 |
| Indiana | $1,407 |
| Mississippi | $1,674 |
| Nevada | $3,009 |
| Oklahoma | $2,061 |
| South Carolina | $1,960 |
| Texas | $2,331 |
| Utah | $1,950 |
Discounts
UAIC’s agents can give you access to discounts to help you save money. Discounts will vary depending on the individual insurance carrier you are purchasing a policy from. Many common discounts include bundling multiple insurance policies, being a safe driver, having certain safety features installed on your car, and adding multiple vehicles to your policy.
UAIC Insurance Reviews And Ratings
United Automobile Insurance Company isn’t currently rated by AM Best, which indicates weak financials. This is concerning, as it means the company may not have adequate funds to pay out all customer insurance claims. However, the company is accredited with the Better Business Bureau (BBB) and has an A+ rating from the organization.
Customer reviews are, unfortunately, fairly negative when it comes to UAIC. The company has a 1.1 out of 5.0 star BBB customer rating and a 1.1-star rating on Yelp with mostly negative reviews.
Negative UAIC Reviews
The majority of negative comments are complaints about the claims process. Many UAIC policyholders stated they had difficulty getting in contact with customer service and their claims adjuster after filing a claim. Some said it took months to get a resolution after an accident.
Positive UAIC Reviews
Other drivers reported satisfaction with UAIC insurance, stating they experienced friendly, helpful customer service and were offered affordable auto insurance rates. It appears the level of customer satisfaction varies by location.
UAIC Technology
UAIC insurance offers a mobile app for customers to manage their accounts. You can make payments, file a claim, view ID cards, and more. This mobile app is available on iOS and Android devices. At time of publication, it had a 3.4-star rating on Google Play and a 1.8-star rating on the Apple App store. Several customers using the iOS version of the app reported trouble logging into their accounts and using the app.
Working with an independent broker can be a great idea, as they allow you to compare rates between providers. However, UAIC’s subpar customer satisfaction and financial strength ratings make it far from our first choice. Overall, we recommend choosing a different broker or going directly through a provider to save yourself potential headaches.
Recommendations For Car Insurance
On your search for car insurance, it’s best to shop around and get pricing from multiple companies to make sure you’re getting the most affordable coverage. If you choose to do this on your own instead of through a broker, take a look at these highly rated car insurance companies.
You can get free, personalized car insurance quotes using the tool below.
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USAA: 4.5 Stars
USAA stood out to us for its excellent customer service. This insurance company only provides coverage for military members and their families, but is available in all 50 states. It offers full coverage options, as well as its many discounts for membership loyalty, safe driving, and adding multiple vehicles to your policy. Read more in our complete USAA auto insurance review.
Progressive: 4.5 Stars
Progressive offers life insurance, renters insurance, and homeowners insurance along with auto coverage. It has affordable premiums for both good and high-risk drivers and has a rates comparison feature on its website for added transparency. You can even use the company’s Name Your Price® tool to build a policy around your budget. Progressive also gives drivers a number of discounts, including savings for paying your premium in full, being a safe driver, and bundling multiple policies. Check out our Progressive auto insurance review for more information.
UAIC Insurance: FAQ
Below are some frequently asked questions about UAIC insurance:
Is UAIC legit?
Yes, UAIC is a legitimate insurance broker based in Miami Gardens, Florida. The company has been in business since 1989.
How do I email United Automobile Insurance Company?
For claims information and any other questions, you can reach UAIC by email at customerservice@uaig.net.
Where is the headquarters of UAIC?
UAIC is headquartered in Miami Gardens, Florida and has locations throughout the U.S.
How We Rate Auto Insurers
Our review team extensively researches auto insurance providers to deliver informed and unbiased assessments of leading companies. We evaluate several key rating factors that are important to consumers to determine which providers are the best in the industry:
- 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.
- Availability: Insurance companies that offer wider availability to consumers in terms of state availability and few eligibility requirements are more likely to meet consumer needs.
- 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.
- Pricing: 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.
- Service: We comb through customer reviews on sites like the Better Business Bureau (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 a smooth experience.
- Technology: Providers with an online quote tool, easy-to-use claims app and a usage-based insurance app score best in this category.
*Data accurate at time of publication.