Is United Auto Insurance (UAI) Good?

Last Updated on October 10, 2020

United Auto Insurance, also known as UAI, is a Chicago-based insurance company offering a range of insurance products and services.

With 50 years of experience serving the Chicagoland area, United Auto Insurance continues to provide policies to drivers in the Chicago metro area and northwest Indiana. The company offers car insurance, SR-22 insurance, homeowners insurance, renters insurance, motorcycle insurance, and other types of insurance products.

Is United Auto Insurance good? Should you buy car insurance through United Auto Insurance? Find out everything you need to know about the company today in our review.

What is United Auto Insurance?

Is United Auto Insurance (UAI) Good?United Auto Insurance is a car insurance company headquartered in Chicago. The company has served policyholders in the Chicagoland metro area and northwest Indiana over the last 50 years.

Today, United Auto Insurance emphasizes friendly customer service, flexible car insurance policies, and cheap high-risk auto insurance, among other unique advantages. The company also offers fast auto insurance, allowing you to visit and receive a quote within minutes.

Over the years, United Auto Insurance has grown from a one-room insurance company to a state-of-the-art facility in Chicago with “the latest in enhanced automation”, according to the official website.

United Auto Insurance also differentiates itself from the competition with a customer service team that speaks Spanish and Polish, helping the company target the sizable Spanish and Polish-speaking populations in Chicagoland.

What Makes United Auto Insurance Unique?

United Auto Insurance functions like other car insurance companies: you can buy car insurance and other insurance products through the company, enjoying flexible payment plans, high-risk auto insurance, SR-22 certificates, and bundling discounts.

United Auto Insurance is also unique because of its coverage area: the company exclusively insures customers in Illinois and Indiana.

Like other smaller providers, United Auto Insurance distinguishes itself from the competition by targeting high-risk drivers.

If you have a history of accidents or claims, then United Auto Insurance may be the best car insurance provider for you. The company offers discount rates on high-risk auto insurance and SR-22 certificates. If other insurance companies have turned you down or charged excessive rates, then United Auto Insurance may be a more affordable option.

United Auto Insurance also emphasizes last-minute insurance coverage. If you need to buy insurance coverage and activate it within minutes, then United Auto Insurance can do that.

Some of the features that make United Auto Insurance unique compared to other providers include:

  • Last-minute coverage, including same-day car insurance
  • Low rates for high-risk drivers
  • Available exclusively in Chicagoland and Northwest Indiana
  • Instant coverage over the phone
  • Low monthly payments customized to fit any budget
  • Spanish and Polish-language support staff and customer service

Overall, United Auto Insurance emphasizes cheap, fast car insurance for higher-risk drivers in their coverage area. If you need insurance immediately, or if you have struggled to find affordable prices with larger providers, then United Auto Insurance may be the right choice.

United Auto Insurance Products

United Auto Insurance offers a range of insurance products to drivers across Chicago and Indiana. In addition to selling car insurance, United Auto Insurance sells homeowners insurance, renters insurance, and more.

Insurance products available through United Auto Insurance include all of the following:

  • Auto insurance
  • SR-22 insurance
  • Homeowners insurance
  • Renters insurance
  • Motorcycle insurance
  • Taxi, limousine, and commercial vehicle insurance
  • 24-hour roadside assistance

United Auto Insurance Discounts

United Auto Insurance offers many of the same discounts as its larger competitors, including all of the following:

Multi-car Discounts: If you insure more than one vehicle with United Auto Insurance, then you can get a discount across all your policies.

Safe Driver Discount: If you have no claims within the last 3 to 7 years, then you may qualify for United Auto Insurance’s safe driver discount. Depending on your situation, you may also need to have no speeding tickets, at-fault accidents, or citations within a certain period of time to qualify.

Renewal Discount: If you renew your United Auto Insurance policy with no lapse in coverage, then you qualify for a renewal discount.

Flexible Monthly Rates and Discount Down Payment Options: If you want flexible monthly payments customized to your unique budget, then United Auto Insurance may be the right choice. The company lets you customize rates based on your unique needs, then change your down payment as needed.

Overall, United Auto Insurance offers fewer discounts than its larger competitors. Like other high-risk auto insurance companies, United Auto Insurance emphasizes low prices for higher-risk drivers. That means you’re already paying the lowest available rates for car insurance – and it’s hard to find cheaper rates as a high-risk driver.

United Auto Insurance Reviews & Ratings

United Auto Insurance is a smaller auto insurance company, which means it’s not ranked by J.D. Power, A.M. Best, or other large insurance industry watchdogs. Typically, we use J.D. Power rankings to analyze claims satisfaction and customer service, while A.M. best tracks the financial strength of insurance companies.

The Better Business Bureau page for United Auto Insurance gives the company an ‘A+’ rating and an average rating of 4.5 stars out of 5 with 50+ customer reviews. The company has 7 complaints on its BBB page, including minor issues with customer service, sales, and advertising.

The UAI Yelp page is much less flattering. The company has 1 to 1.5-star reviews on Yelp, depending on which Yelp profile you check. Many customers complain about slow customer service, bad claims satisfaction, and denied claims. A Yelp rating this low may seem bad – although it’s typical even among larger insurance companies. Most people don’t review their insurer on Yelp until they’ve had a bad claims experience.

Pros and Cons of United Auto Insurance From Customers Include:


  • High-risk auto insurance and SR-22 certificates to drivers across Chicago and Northwest Indiana
  • English, Spanish, and Polish-speaking customer service
  • Fast quotes, including same-day car insurance
  • Flexible payment options, including low monthly payment plans and flexible down payment options
  • Ideal for high-risk drivers denied by other insurers


  • Some customers have a bad customer service experience
  • Other customers complain about a bad claims experience
  • Few additional protections or coverage options
  • Lacks the amenities of a larger, better-known insurance company (like a mobile app, for example)

Overall, customers agree that United Auto Insurance works as advertised to provide basic car insurance coverage to customers who struggle to get insurance through other companies. United Auto Insurance may not be the best choice for those seeking comprehensive, full coverage insurance – but the company allows you to legally drive on the road even as a high-risk driver with multiple claims or accidents.

Final Word on United Auto Insurance

United Auto Insurance (UAI) is a small car insurance company based in Chicago, Illinois. The company mostly serves drivers in Chicagoland and northwest Indiana.

UAI is particularly popular for its high-risk car insurance, SR-22 certificates, and same-day auto insurance policies. The company caters mainly to higher-risk drivers who may have been denied by other insurers, although UAI insures drivers across Illinois and Indiana with all types of insurance needs.

You can request a quote or obtain car insurance today by visiting Call the company and speak with an agent to receive same-day auto insurance in Illinois or Indiana.

United Auto Insurance Company Info
Company Address3201 North Harlem Ave
Chicago, IL 60634
Phone Number773-202-5000
Website URL
James Shaffer
James Shaffer James Shaffer is a writer for and a well-seasoned auto insurance industry veteran. He has a deep knowledge of insurance rules and regulations and is passionate about helping drivers save money on auto insurance. He is responsible for researching and writing about anything auto insurance-related. He holds a bachelor's degree from Bentley University and his work has been quoted by NBC News, CNN, and The Washington Post.
Back to Top