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Introduction

If you are a high-risk driver looking for non-standard insurance, then United Automobile Insurance company is a provider you can opt for. Headquartered in Miami Gardens, Florida, it is among the country's biggest privately held property and liability insurers.

Whether you have credit problems, are a young driver, or only require minimum coverage, anything that groups you as a high-risk driver, United Automobile Insurance Company offers cheap rates for the products that best suit your needs.

How much does insurance from United Automobile Insurance company cost? How does it benefit high-risk drivers? Read about the company review, their discounts, and coverage details.

Pros and Cons

Pros Cons
Suited for high-risk drivers More customer complaints
Provides SR-22 Rates are not very competitive
Online claim management Details on discounts are unavailable
Availability of commercial auto insurance Absence of an agency or broker locator tool on the website

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Unique United Automobile Auto Insurance Company Features

Unique Features What does it do?
Online availability of quotes Not only are the quotes available online, but also the payments.
Availability of different payment options One can make the payments through other available offline methods. For example, you can use your policy number or driver's license number to view your policy and print ID cards with your zip code and date of birth.
Mobile application It helps you get your quote and also gives access to your online account.
Business Insurance This policy, often known as commercial auto insurance, is exclusive to Florida. United Automobile Auto Insurance has coverage choices to keep your commercial vehicles lawfully on the road if you are considered high-risk and unable to obtain coverage via normal insurance providers.

United Automobile Insurance Company Car Insurance Coverages

UAIC concentrates on unique coverages that benefit the high-risk drivers they seek to insure. It also concentrates on providing coverages, including collision coverage and the state-mandated minimum amount of auto insurance and SR 22 form filing. The company does not offer additional insurance coverage offered by other insurers.

  • Liability Coverage: If you are responsible for an accident—responsibility insurance helps cover the other person's expenses.
  • Collision Coverage: It covers the expenses of repair from accidents regardless of who is at fault.
  • Comprehensive Coverage: Insurance covers the expense of repair or replacement for damage caused by fire, weather, vandalism, or even theft.
  • Uninsured/underinsured motorist Coverage: This covers the medical and property damage costs for a driver with less or no insurance at all.
  • Personal Injury Protection: This helps you cover the expenses incurred due to injuries, deaths, or property damage.
  • Medical Payments: This will assist in paying your or your passengers' medical expenditures if you are hurt in an automobile accident, irrespective of who is at fault.
  • Rental Reimbursement: It offers rental reimbursement in the range of up to $20 per day.
  • SR-22 Form: If you are a driver falling under the high-risk category, it might be required by the states that you fill out the SR-22 form. UAIC provides FR-44 insurance as well.

How much does United Automobile Auto Insurance Company car insurance cost?

The car insurance rates offered by United Automobile Auto Insurance Company are higher than those of their competitors. The minimum policy coverage for a single driver is four times the rate offered by the cheapest insurance provider. However, it is crucial to note that United Automobile Insurance Company provides non-standard insurance for high-risk drivers and can process the SR-22 requirements.

Driver Profile Average Annual Minimal Coverage Rate
Single Driver $1941
Senior Driver $1046
Family $3978

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United Automobile Insurance Company Customer Feedback

Though the company can be the primary option for those seeking non-standard car insurance, its limited presence can be a reason for concern. The higher price brackets and the customer reviews that look unsatisfactory are a concern as well. The delay in handling claims is also an issue of concern.

Way.com Summary

United Automobile insurance can be the primary option for drivers looking for non-standard car insurance. They offer coverage for high-risk drivers and specialize in commercial auto insurance as well. The insurance quotes might not be competitive, but a higher complaint index could also be because of the niche of drivers they focus on.

About United Automobile Insurance Company

The United Automobile Insurance Company (UAIC) was established in 1989 and is based in Miami Gardens, Florida. The company has branches in Georgia and Texas as well. UAIC is a family-owned insurance company that is one of the largest privately held property and casualty insurance firms in the United States.

Independent agents and an online policy claim and payment system work well. Their exclusivity of policy options for high-risk drivers also makes them popular for those seeking non-standard insurance.

United Automobile Insurance Company also provides commercial auto insurance.

Contact Details

Type of Contact Contact
Home Office PO Box 694140
Miami, FL 33269-1140
Customer Service Florida: (305) 940-7299

Georgia: (770) 209-9710

Texas: (866) 223-0668
Claims Support (888) 987-8242

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

Frequently Asked Questions

What is non-standard auto insurance?

Drivers with risk concerns who find it difficult or impossible to get insurance in normal circumstances might consider non-standard auto insurance. Among them include new or young drivers, people who have had credit problems, a lot of losses, or driving violations, people who merely want the bare minimum insurance coverage, and people with atypical license status.

Which states does UAIC insurance cover?

United Automobile Insurance Company is operational in the states of Florida, Texas, and Illinois.

How do I file a claim with UAIC?

One can get in touch with the company's online claims portal or contact their claims department. Their services are available from 8 a.m. to 5 p.m. for claim updates and 8 a.m. to 6 p.m. for new claims.

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