United Automobile Insurance Company (UAIC) Review

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states.
After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insu…

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Reviewed by



Rachael Brennan


Licensed Insurance Agent

Rachael Brennan

UPDATED: Mar 30, 2022

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Here’s the Scoop

  • UAIC only provides insurance in three states
  • You can purchase personal and commercial auto insurance through UAIC
  • UAIC has a mobile app

Most states require drivers to have insurance, but it can be challenging to ascertain which one is best for you with so many insurance companies flooding today’s market. Thankfully, free reviews of the United Automobile Insurance Company (UAIC) like this one can help you narrow the playing field and find the best car insurance company for your coverage needs.

Table of Contents

What is UAIC?

Founded in 1989, UAIC is headquartered in Miami Gardens, Florida. UAIC sells both personal and commercial auto insurance. Currently, this insurance company provides coverage to drivers living in:

  • Florida
  • Georgia
  • Texas

While UAIC does offer a mobile app so drivers can make online payments, its amenities for drivers are sorely lacking. For example, unlike some of the best car insurance companies in the market today, you can’t contact UAIC’s customer line 24-hours a day. You can only call the customer service line designated for your state Monday-Friday during regular business hours.

However, if you’ve filed a claim on your UAIC insurance policy, you can use the client login portal to check the status of your claim.

Enter your ZIP code below to view companies that have cheap insurance rates.

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What coverages are included in a UAIC auto insurance policy?

UAIC advertises that it offers personalized coverage options, but the company website doesn’t detail what those coverage options are. Most likely, you will be able to purchase the minimum amount of insurance required by your state and a full-coverage policy.

If you’re not sure what your state‘s insurance requirements are, you can review this chart:

States Coverage Requirements
Florida $10k property damage liability per accident
$10k personal injury protection
California $15k bodily injury liability per person
$30k bodily injury liability per accident
$5k property damage liability per accident
Delaware $15k bodily injury liability per person
$30k bodily injury liability per accident
$10k property damage liability per accident
Pennsylvania $15k bodily injury liability per person
$30k bodily injury liability per accident
$5k property damage liability per accident
$5k medical benefits
Arkansas, Delaware, Nevada $15k bodily injury liability per person
$30k bodily injury liability per accident
$10k property damage liability per accident
New Jersey $15k bodily injury liability per person
$30k bodily injury liability per accident
$5k property damage liability per accident
$15k personal injury protection
Louisiana $15k bodily injury liability per person
$30k bodily injury liability per accident
$25k property damage liability per accident
Michigan $20k bodily injury liability per person
$40k bodily injury liability per accident
$10k property damage liability per accident
Iowa $20k bodily injury liability per person
$40k bodily injury liability per accident
$15k property damage liability per accident
Hawaii $20k bodily injury liability per person
$40k bodily injury liability per accident
$10k property damage liability per accident
$10k personal injury protection
Indiana, Montana, New Mexico, Washington $25k bodily injury liability per person
$50k bodily injury liability per person
$10k property damage liability per accident
Colorado, Idaho, Tennessee $25k bodily injury liability per person
$50k bodily injury liability per accident
$15k property damage liability per accident
Kentucky $25k bodily injury liability per person
$50k bodily injury liability per accident
$10k property damage liability per accident
$10k personal injury protection
Wyoming $25k bodily injury liability per person
$50k bodily injury liability per accident
$20k property damage liability per accident
Alabama, Arizona, Georgia, Mississippi, Ohio, Oklahoma, Rhode Island $25k bodily injury liability per person
$50k bodily injury liability per accident
$25k property damage liability per accident
Maryland $30k bodily injury liability per person
$60k bodily injury liability per accident
$15k property damage liability per accident
Utah $25k bodily injury liability per person
$65k bodily injury liability per accident
$15k property damage liability per accident
$3k personal injury protection
Texas, North Carolina $30k bodily injury liability per person
$60k bodily injury liability per accident
$25k property damage liability per accident
Connecticut $20k bodily injury liability per person
$40k bodily injury liability per accident
$10k property damage liability per accident
$20k uninsured/underinsured motorist coverage per person
$40k uninsured/underinsured motorist coverage per accident
Kansas, Wisconsin $25k bodily injury liability per person
$50k bodily injury liability per accident
$10k property damage liability per accident
$25k uninsured/underinsured motorist coverage per person
$50k uninsured/underinsured motorist coverage per accident
WA, District of Columbia $25k bodily injury liability per person
$50k bodily injury liability per accident
$10k property damage liability per accident
$25k uninsured/underinsured motorist coverage per person
$50k uninsured/underinsured motorist coverage per accident
$5k uninsured/underinsured
Illinois $25k bodily injury liability per person
$50k bodily injury liability per accident
$20k property damage liability per accident
$25k uninsured motorist coverage per person
$50k uninsured motorist coverage per accident
Massachusetts $30k bodily injury liability per person
$60k bodily injury liability per accident
$15k property damage liability per accident
$20k uninsured motorist coverage per person
$40k uninsured motorist coverage per accident
$8k personal injury protection
Missouri $30k bodily injury liability per person
$60k bodily injury liability per accident
$10k property damage liability per accident
$25k uninsured motorist coverage per person
$50k uninsured motorist coverage per accident
Nebraska, South Dakota $25k bodily injury liability per person
$50k bodily injury liability per accident
$25k property damage liability per accident
$25k uninsured motorist coverage per person
$50k uninsured motorist coverage per accident
Alaska $50k bodily injury liability per person
$100k bodily injury liability per accident
$25k property damage liability per accident
Oregon $25k bodily injury liability per person
$50k bodily injury liability per accident
$20k property damage liability per accident
$25k uninsured motorist coverage per person
$50k uninsured motorist coverage per accident
$15k personal injury protection
Minnesota $25k bodily injury liability per person
$50k bodily injury liability per accident
$10k property damage liability per accident
$25k uninsured motorist coverage per person
$50k uninsured motorist coverage per accident
$40k personal injury protection
South Carolina, West Virginia $25k bodily injury liability per person
$50k bodily injury liability per accident
$25k property damage liability per accident
$25k uninsured motorist coverage per person
$50k uninsured motorist coverage per accident
$25k uninsured motorist property damage coverage
North Dakota $25k bodily injury liability per person
$50k bodily injury liability per accident
$25k property damage liability per accident
$25k uninsured/underinsured motorist coverage per person
$50k uninsured/underinsured motorist coverage per accident
$30k personal injury protection
Vermont $25k bodily injury liability per person
$50k bodily injury liability per accident
$10k property damage liability per accident
$50k uninsured motorist coverage per person
$100k uninsured motorist coverage per accident
$10k uninsured motorist property damage coverage per accident
Maine $50k bodily injury liability per person
$100k bodily injury liability per accident
$25k property damage liability per accident
$50k uninsured motorist coverage per person
$100k uninsured motorist coverage per accident
$2k medical payments coverage
New York $25k bodily injury liability per person
$50k bodily injury liability per accident
$50k liability for death per person
$100k liability for death per accident
$10k property damage liability per accident
$50k personal injury protection
$25k uninsured motorist coverage per person
$50k underinsured motorist coverage per accident
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While this insurance company’s website lacks more detailed coverage information, UAIC does state that it offers SR-22 Insurance to drivers who need to get their licenses reinstated.

Are UAIC auto insurance policies affordable?

The UAIC website claims that this company offers low rates but doesn’t share any sample rates. However, you can use this data table as a guide when shopping for car insurance to be sure that you are taking advantage of every money-saving opportunity possible:

Discounts 21st Century AAA Allstate American Family Ameriprise Amica Country Financial Esurance Farmers Geico Liberty Mutual MetLife Nationwide Progressive Safe Auto Safeco State Farm The General The Hanover The Hartford Travelers USAA
Adaptive Cruise Control x x x x
Adaptive Headlights x x x x x x x x
Anti-lock Brakes x x x x x x x x x x x x x x x x x x x x x x
Anti-Theft x x x x x x x x x x x x x x x x x x x x x x
Claim Free x x x x x x x x x x x x x x x x x x x x x x
Continuous Coverage x x x x x x x x x x x x x x x
Daytime Running Lights x x x x x x x x x x x x x x x x x x
Defensive Driver x x x x x x x x x x x x x x x x x x x x x x
Distant Student x x x x x x x x x x x x x x x
Driver’s Ed x x x x x x x x x x x x x x x x x x x x
Driving Device/App x x x x x x x x x x x x x
Early Signing x x x x x x x x x x x x x x
Electronic Stability Control x x x x x x x x x
Emergency Deployment x
Engaged Couple x
Family Legacy x x x x x x
Family Plan x x x x x
Farm Vehicle x x x x
Fast 5 x
Federal Employee x x x x
Forward Collision Warning x x x x x x x
Full Payment x x x x x x x x x x x x x x x x x
Further Education x x x x x x x x x
Garaging/Storing x x x x x x
Good Credit x x x x
Good Student x x x x x x x x x x x x x x x x x x x x x x
Green Vehicle x x x x x x x
Homeowner x x x x x x x x x x x x x x x x x x
Lane Departure Warning x x x x
Life Insurance x x
Low Mileage x x x x x x x x x x x x x x x x x x x
Loyalty x x x x x x x x x x x x
Married x x x x x x x x x x x x x x
Membership/Group x x x x x x x x x x x
Military x x x x x x x x x x
Military Garaging x
Multiple Drivers x x
Multiple Policies x x x x x x x x x x x x x x x x x x x x x
Multiple Vehicles x x x x x x x x x x x x x x x x x x x x x
New Address x
New Customer/New Plan x x x
New Graduate x
Newer Vehicle x x x x x x x x x x x x x x x x
Newly Licensed x
Newlyweds x
Non-Smoker/Non-Drinker x
Occasional Operator x
Occupation x x x x x x x x x x x x
On Time Payments x x x x
Online Shopper x x
Paperless Documents x x x x x x x x
Paperless/Auto Billing x x x x x x x x x x x x x x x x x
Passive Restraint x x x x x x x x x x x x x x x x x x x x x x
Recent Retirees x x
Renter x x x
Roadside Assistance x x
Safe Driver x x x x x x x x x x x x x x x x x x x
Seat Belt Use x
Senior Driver x x x x x x x x x
Stable Residence x x x x
Students & Alumni x x x x x x
Switching Provider x x x x x x x x x x x
Utility Vehicle x x x x
Vehicle Recovery x x x x x x x x x x x x x x x x x x x x x
VIN Etching x x x x x x x x x x
Volunteer x
Young Driver x x x x x x
Total Discounts Provided 21 21 29 27 18 27 26 34 34 31 38 38 35 36 22 30 19 20 22 38 28 28
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Shopping online is the most efficient way to shop for insurance. You can compare quotes from multiple companies to verify which one will provide you the best deal on your insurance coverage.

What You Need to Know About UAIC Auto Insurance

If you need basic insurance, UAIC may be able to give you the coverage you need. If you are looking for something more expansive, you’ll need to shop elsewhere. The UAIC website is sparse and doesn’t provide many details about the coverages or discounts offered.

Drivers who want to work with more advanced companies can shop online to find a company that better suits their needs.