Is United Automobile Insurance financially stable?

It is difficult to say with confidence. AM Best has listed UAIC as Not Rated since 2016, and its last published financial strength rating, covering 2013 to 2015, was in the Weak category with a Negative outlook. Without a current rating there is no standard public benchmark for its claims-paying ability.

What states does UAIC operate in?

United Automobile Insurance Company writes primarily in Florida, Georgia, and Texas through a network of local independent agents.

Why does UAIC have so many complaints?

Independent reviews and BBB records document recurring themes: delayed claims processing, repeated adjuster reassignment, and difficulty getting responses. The BBB assigns the company an F rating. Some friction is typical of the minimum-liability segment, but UAIC's record is severe even within it.

How do I get connected with an agent for high-risk coverage?

Enter your ZIP above and we'll connect you with licensed agents in your area. If you need an SR-22 or have a coverage lapse, ask specifically for quotes from AM Best-rated carriers — several write the same risks and the price difference is often smaller than expected.

How does UAIC compare to Bristol West and National General?

Both alternatives write the same high-risk profiles but carry A+ (Superior) AM Best ratings, versus UAIC's absence of any current rating. Bristol West is a Farmers subsidiary; National General is owned by Allstate. For a driver needing SR-22 coverage in Florida, Georgia, or Texas, both are worth quoting before considering UAIC.

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Editorial research & comparison

Independent comparison — not affiliated with any insurance carrierReliablePolicy is an independent lead generation service that connects consumers with licensed insurance agents and carriers. We are not affiliated with, endorsed by, or acting as an agent for any carrier named on this page. All carrier names and trademarks are the property of their respective owners, referenced solely for informational purposes under nominative fair use.

United Automobile Insurance

Is United Automobile Insurance Worth It? An Independent Review (2026)

By ReliablePolicy Editorial Team

United Automobile Insurance Company (UAIC) has written minimum-liability and SR-22 auto coverage since 1989, mainly in Florida, Georgia, and Texas. It fills a real gap for drivers with no other options — but it has been Not Rated by AM Best since 2016, and third-party complaint records are among the worst in the segment. Read this one carefully before buying.

Avg. annual premium

Varies widely

Minimum-liability focus

AM Best rating

Not Rated

Unrated since 2016

BBB rating

Per Better Business Bureau

Availability

FL, GA, TX

Agent-distributed

Founded

1989

Miami, Florida

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United Automobile Insurance overview

UAIC began underwriting in Miami in 1989 and distributes through hundreds of local agents across Florida, Georgia, and Texas. Its niche is state-mandated minimum liability coverage, SR-22 filings, and non-standard risk generally. Two facts dominate any honest review. First, AM Best has listed the company as Not Rated since 2016; prior to that its financial strength rating was graded Weak with a Negative outlook from 2013 to 2015. Second, the Better Business Bureau assigns it an F rating, and independent reviews document recurring complaints about delayed claims, adjuster turnover, and unresponsive service.

United Automobile Insurance estimated rates by driver profile (2026)

Independent market estimates for drivers researching United Automobile Insurance — not provided by or endorsed by the carrier. All figures are approximate national averages from public industry data.

Driver profile	Est. annual premium	vs. market avg.	Notes
Clean record, 30-45	Near market avg.	Minimum liability	Thin coverage by design
Single accident (3 yrs)	Above market avg.	Non-standard tier	Accepts recent incidents
DUI on record	Well above avg.	Non-standard tier	SR-22 filing available
Young driver (18-24)	Above market avg.	Varies	Accepts thin histories
Senior driver (65+)	Near market avg.	Minimum liability	No senior specialization
Lapsed coverage	Above market avg.	Non-standard tier	No prior insurance needed

Estimates based on NAIC rate filings and state insurance department data. Not quotes from United Automobile Insurance. Actual premiums are determined solely by the carrier based on your individual underwriting profile.

United Automobile Insurance pros and cons

Where United Automobile Insurance excels

✓Accepts drivers routinely declined elsewhere, including after a lapse
✓SR-22 filings available for license reinstatement
✓Large local agent network across Florida, Georgia, and Texas
✓Low upfront cost for state-minimum liability coverage

Where United Automobile Insurance falls short

✗Not Rated by AM Best since 2016; previously graded Weak with a Negative outlook
✗F rating from the Better Business Bureau
✗Extensive documented complaints about delayed and disputed claims
✗Coverage is generally minimum-limits only, leaving significant exposure
✗Available in only three states

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A closer look at United Automobile Insurance

The absence of a current AM Best rating is the central issue. A financial strength rating is the primary public indicator of whether an insurer can pay claims, and UAIC has not carried one for roughly a decade — its last published rating was in the Weak category. Combined with an F from the BBB and a well-documented claims-complaint history, that means the low premium is buying a policy whose value at claim time is genuinely uncertain. If you have any alternative that satisfies your state filing requirement, price it first.

Bottom line

Meets a legal minimum at a low price for drivers with few options, but the unrated financial strength and severe complaint record make it a last resort. Exhaust rated alternatives before choosing it.

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Frequently asked questions about United Automobile Insurance

Disclaimer: ReliablePolicy is an independent lead generation and comparison service and is not affiliated with, authorized by, endorsed by, or in any way officially connected to United Automobile Insurance. All carrier names and trademarks are the property of their respective owners and are used solely for informational and comparison purposes. Rate figures shown are independent market estimates based on publicly available data and are not quotes, representations, or guarantees of pricing by any carrier. By submitting your information, you may be connected with licensed insurance agents or carriers who will provide actual quotes based on your individual profile. Always verify coverage terms and pricing directly with the carrier or a licensed agent.

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