Updated: December 16, 2025
Advertising & Editorial Disclosure
UAIC ranks 11th for full coverage affordability and 16th for minimum liability coverage, with average monthly rates of $144 and $111.
UAIC earns 15th place nationwide for customer satisfaction, with middle-of-the-pack performance based on agent service quality and customer reviews.
Interested in firsthand customer stories? We collected reviews from people who've filed claims and managed coverage. Read More.
UAIC ranks 16th nationally as a moderately strong car insurance provider. The company stands out for its solid coverage options and customer service.
This ranking applies to a 40-year-old male driver with good credit and a clean driving record. Where UAIC ranks for you depends on what coverage you need.
| Overall Score | 3.49 | 16 |
| Customer Experience | 3.59 | 15 |
| Coverage | 2.88 | 8 |
| Affordability | 3.55 | 12 |
Our UAIC rating is based on quote analysis, customer feedback and a review of available coverages, using the same methodology applied across all insurers we study.
Feedback across consumer review platforms raises consistent concerns about how claims are handled. While UAIC fills an important role for high-risk drivers who have limited options elsewhere, NAIC data shows it generates far more complaints than similarly sized insurers. Common issues include settlement amounts that fall thousands short of repair estimates, long delays in hearing back from adjusters and claims that only move forward after state insurance regulators get involved.
The section below summarizes what UAIC policyholders report most often about its claims experience, customer service and coverage.
★★★★★ (5 stars) | Posted by HighRiskCoverage "Needed insurance as a high-risk driver and UAIC gave me coverage when bigger companies wouldn't even quote me. The rates were reasonable considering my situation and I was able to get on the road legally again." |
★★★★☆ (4 stars) | Posted by ResponsiveAgent "My local UAIC agent has been helpful and returns calls quickly. Haven't had to file a major claim yet but for basic coverage and getting questions answered, they've been fine so far." |
★★★★☆ (4 stars) | Posted by AffordableSR22 "Got UAIC for SR-22 filing and the rates were lower than other companies that would cover me. The phone support was responsive when I had questions about my policy. Appreciate that they insure drivers others won't." |
★★★★★ (5 stars) | Posted by HighRiskApproved "As a high-risk driver, UAIC gave me coverage when major companies wouldn't. Rates were reasonable for my situation and I could get back on the road legally." |
★★★★★ (5 stars) | Posted by LocalAgentResponsive "My local UAIC agent is responsive and helpful. Returns calls quickly and answers all my questions. Haven't had major claims but for policy management they've been great." |
★★★★★ (5 stars) | Posted by SR22Available "Needed SR-22 filing and UAIC handled it efficiently. They filed everything properly and I got confirmation from the DMV quickly. Process was straightforward." |
★★★★☆ (4 stars) | Posted by AffordableForMyRecord "With my driving record, options were limited and expensive. UAIC's rates were the most affordable I could find. Basic coverage but it gets me legal." |
★★★★☆ (4 stars) | Posted by PhoneSupportHelpful "Called with questions about my policy and phone support was helpful. They walked me through my coverage and explained what I needed to know. Good customer service experience." |
★★★★☆ (4 stars) | Posted by NonStandardMarket "UAIC specializes in non-standard insurance which I needed. They understand this market and didn't make me feel bad about my situation. Professional service throughout." |
★★★★☆ (4 stars) | Posted by QuickPolicySetup "Got my policy set up quickly when I needed it. Application process was simple and I had coverage same day. Appreciated the fast turnaround." |
★★☆☆☆ (2 stars) | Posted by LowballOffer "Car has been in the shop for almost three weeks. The owner has reached out multiple times to let the adjuster know their quote is thousands of dollars under what it will actually cost to fix. It's been a nightmare working with this company to get the correct amount covered." |
★☆☆☆☆ (1 star) | Posted by ThreeWeekWait "Filed a claim back in September and I'm still waiting on a statement from their policyholder. Got rear-ended September 1st and still don't have a car. Filed the claim, submitted the police report and have dashcam footage but over 60 days later the at-fault driver hasn't given a statement." |
★☆☆☆☆ (1 star) | Posted by GhostAdjuster "The adjuster and manager have not returned my calls despite repeated messages. I've filed complaints with BBB and the Texas Department of Insurance. Been calling multiple times a day for weeks and nobody will respond. Zero stars if I could." |
★★☆☆☆ (2 stars) | Posted by SettlementThousandsLow "Shop owner says UAIC's estimate is thousands of dollars under actual repair costs. Been fighting for weeks to get them to authorize proper repairs. Nightmare experience." |
★★☆☆☆ (2 stars) | Posted by AdjusterWeeksNoContact "Haven't heard from my adjuster in three weeks despite calling daily. Left messages, sent emails, nothing. How am I supposed to resolve my claim if nobody will respond?" |
★★☆☆☆ (2 stars) | Posted by SupplementIgnored "Body shop submitted supplement estimate to UAIC three weeks ago. Nobody from UAIC has responded. Car is just sitting at the shop because they won't approve or counteroffer." |
★☆☆☆☆ (1 star) | Posted by TwoMonthWait "Filed claim in September, still waiting in November. Over 60 days and the at-fault driver still hasn't given a statement. UAIC isn't pushing to resolve this. I have no car." |
★☆☆☆☆ (1 star) | Posted by BBBComplaintFiled "Filed complaints with BBB and Texas Department of Insurance. Adjuster and manager won't return calls despite repeated attempts. Been calling multiple times daily for weeks." |
★☆☆☆☆ (1 star) | Posted by SettlementBelowFair "UAIC's settlement offer was way below fair value. Showed them estimates and comparable vehicles but they barely moved. Had to accept less than my car was worth or keep fighting." |
★☆☆☆☆ (1 star) | Posted by PoorlyTrainedReps "Customer service reps are poorly trained and give conflicting information. Each person I talk to tells me something different. Nobody seems to know what's going on with my claim." |
Reddit users and forum members praise UAIC's affordable rates for high-risk drivers and willingness to insure customers other companies reject. Drivers with poor credit or violations value the company's accessibility.
Complaints focus on poor customer service with long wait times, slow claims handling with frequent disputes and limited digital tools that force customers to rely on phone support.
Real customer feedback from forums:
UAIC offers competitive rates for high-risk drivers. Customers report the low cost comes with service trade-offs:
"UAIC was the only company that would insure me after my license suspension, and their rates were reasonable. But once you need anything beyond basic coverage, you understand why it's so cheap."
Consistently poor claim experiences with delays, denials, and settlement disputes:
"UAIC denied my obviously covered claim three times before finally paying a fraction of what it should have been. Took eight months to resolve what should have been straightforward collision damage."
"Filed a claim with UAIC and they immediately started looking for reasons not to pay. Required excessive documentation, questioned every detail and offered settlements that wouldn't even cover the actual damage."
Severely inadequate customer service that frustrates customers across all interactions:
"Calling UAIC is torture, minimum one-hour hold times to talk to someone who either can't help or gives you wrong information. I've never had a positive customer service experience with them."
UAIC's mobile app receives very poor ratings with 1.9 out of 5 on the Apple App Store and 3.4 out of 5 on Google Play. Basic functions often fail, forcing customers to call their inadequate phone support:
"UAIC's app barely works, it crashes constantly, can't make payments reliably, and customer information is often wrong or missing. You end up having to call, which is even worse."
Very low customer trust with most viewing UAIC as unreliable but necessary for their situation:
"UAIC feels like they're hoping you never need to actually use your insurance. Low rates to get you in the door, then they fight everything when you need coverage."
"Don't trust UAIC to be there when you need them most. They'll take your money every month, but good luck getting them to pay claims fairly or provide decent service."
Limited coverage options with minimal guidance and frequent gaps in protection:
"UAIC offers basic coverage but don't expect them to explain what you need or help you make good decisions. You're pretty much on your own figuring out what to buy."
Negative reviews appear more frequently on forums and don't show the full picture. Combine user reviews with industry resources like J.D. Power, independent agents, NAIC and the Insurance Information Institute.
UAIC works best for drivers with bad credit seeking affordable coverage, as well as those wanting basic minimum coverage or full coverage options. It's not ideal for young or adult drivers, who'll find better rates elsewhere.
Compare how UAIC stacks up for your profile below.
| Overall Score | 4.28 | 7 |
UAIC doesn't rank within the top five insurance companies in any of the 51 states and territories across the United States. The company doesn't hold the number one position in any state for overall provider performance.
*Ratings are based on a 40-year-old male driver with good credit and no driving violations who insures a 2012 Toyota Camry.
Here's how UAIC car insurance compares with major national insurance companies:
UAIC vs. GEICO | 3.49 vs. 4.34 | UAIC has similar coverage scores to GEICO, but GEICO wins due to better affordability and customer service. |
UAIC vs. State Farm | 3.49 vs. 4.15 | Despite similar coverage rankings, State Farm is the better overall option for most drivers. |
UAIC vs. AAA | 3.49 vs. 3.79 | UAIC is slightly more affordable, but AAA's customer experience makes it the better choice. |
UAIC vs. Allstate | 3.49 vs. 3.78 | Despite being less affordable, Allstate's coverage and customer experience are slightly higher than UAIC's. |
UAIC vs. USAA | 3.49 vs. 4.86 | For military members and their families, USAA is a better option than UAIC. |
UAIC vs. Travelers | 3.49 vs. 4.5 | Travelers outperforms UAIC in all categories in our study. |
UAIC vs. Farmers | 3.49 vs. 3.86 | Farmers is the better option than UAIC due to its highly rated coverage options. |
UAIC car insurance costs range from $111 to $476 monthly, depending on driver profile and coverage needs. To find the best rate for your situation, check the national costs below by age group, gender, coverage, credit score and driving record.
| $218 | $2,619 | -37% | 2 |
UAIC is more expensive across all driver categories, including young drivers, seniors and those with violations. You won't find this company among the cheapest car insurance companies for any specific group. Review how affordable UAIC is for your driving category below.
| Adult Drivers | $119 | $152 | 49% | 15 |
| Young Drivers | $239 | $306 | 21% | 11 |
| Senior Drivers | $157 | $199 | 54% | 16 |
| Drivers With An Accident | $155 | $204 | 34% | 13 |
| Drivers With A DUI | $179 | $228 | 25% | 11 |
| Drivers With A Speeding Ticket | $121 | $161 | 23% | 12 |
| Drivers With Bad Credit | $156 | $178 | -26% | 5 |
| Drivers With Low Income | $153 | $173 | 21% | 12 |
| Adult Drivers | $118 | $157 | 49% | 15 |
| Drivers With Newer Cars | $112 | $153 | 23% | 11 |
| Drivers With Old Cars | $99 | $133 | 39% | 15 |
*We modified all profiles based on a 40-year-old male driver with good credit and no driving violations, driving a 2012 Toyota Camry. Young drivers are 25 and under, adults 26 to 64 and seniors 65+. We changed the vehicle age to 2007 for older cars and 2025 for newer ones.
UAIC's monthly rates vary from $91 to $169 across states. The company doesn't rank among the top five most affordable insurers in any of the 51 states and territories we analyzed. See UAIC's affordability and pricing in your area below.
*Rates are based on a 40-year-old male driver with good credit, no driving violations and a 2012 Toyota Camry.
UAIC focuses on affordable coverage for high-risk drivers and people who need SR-22 filings. You won't find flashy discount promotions like you would with bigger insurers. Still, UAIC offers ways to cut your premium if you qualify.
You'll need to call an agent to learn about most discounts. Here's what's available:
Safe Driver | Up to 21% | Maintain clean driving record with no accidents or violations | Available in operating states |
Low Mileage | Up to 17% | Drive fewer than 7,500 miles annually | Available in operating states |
Anti-Theft Device | Up to 13% | Vehicle equipped with approved anti-theft systems or alarms | Available in operating states |
Senior Driver | Up to 12% | Policyholders age 55 and older | Available in operating states |
Good Student | Up to 10% | Students under 25 with B average (3.0 GPA) or better | Available in operating states |
Paperless Billing | Up to 8% | Choose digital policy documents and billing | Available in operating states |
Paid-in-Full | Variable | Pay entire premium upfront instead of monthly payments | Available in operating states |
Prior Insurance | Variable | Maintain continuous coverage from previous insurer | Available in operating states |
Network Shop | 20% off deductible | Use UAIC's preferred repair network for claims | Available in operating states |
UAIC earns 15th place for customer experience in MoneyGeek's customer satisfaction study. Customers praise the company's responsive agents and helpful phone support. The digital tools and online account management get mixed reviews. Some people find them useful, while others struggle with the interface.
Claims processing is where UAIC gets the most complaints. Customers often mention delays and poor communication when trying to settle their claims.
The sections below detail buying, policy management and claims experiences based on MoneyGeek's research.
UAIC offers purchasing primarily through independent agents and online quotes, focusing on state-required minimum coverage. The application process handles basic policies efficiently, with less emphasis on add-on coverages. Agents work with budget-conscious customers and those who have had difficulty getting coverage elsewhere.
UAIC provides basic online account access for policy information, payments and document retrieval. The digital experience offers fewer features than larger insurers provide. The company focuses on payments and proof of insurance access rather than full self-service options. Most policy changes require phone contact or working with your agent.
UAIC's claims handling processes standard claims without premium service features. The company handles basic liability and minimum coverage claims with standard procedures. Customers receive less personalized attention than larger insurers offer. Claims are handled by phone, meeting policy obligations without additional service. The repair network uses standard facilities. Customers coordinate their own repairs and follow-up.
UAIC doesn't appear in most industry rankings we use to compare auto insurers. The company has a 2.4 NAIC complaint index score, receiving 24 times more complaints than similarly sized insurers.
UAIC provides standard coverages similar to other top insurers, such as liability, comprehensive and collision protection. Additional add-ons from the company include:
Towing | Pays for your car to be towed to a mechanic if you break down | Basic towing service; contact agent for details; limited information available |
Transportation Expense (Theft) | Pays transportation costs if your vehicle is stolen and you have comprehensive coverage | $10–20/day for 30 days; starts 48 hours after theft; requires comprehensive coverage |
SR-22 Filing | Certificate of financial responsibility filed with state for high-risk drivers with violations | UAIC specialty; required for DUI/license suspension; filed directly with state |
Medical Payments (MedPay) | Pays medical expenses for you and passengers regardless of fault | Standard option; supplements health insurance; various limit options available |
Personal Injury Protection (PIP) | No-fault coverage for medical expenses, lost wages and rehabilitation costs | Required in certain states; broader than MedPay; covers income replacement |
Pays rental car costs while your vehicle is being repaired after a covered loss or accident | Florida: $20/day, up to $375; Texas: $20-40/day, up to 30 days; reimbursement basis only | |
Uninsured/Underinsured Motorist | Covers medical bills and property damage when at-fault driver has no insurance or insufficient coverage | Stacked vs. non-stacked options; available in most states |
Other insurance types for bundle savings or individual policies:
Who Offers It? | Insurance Products |
|---|---|
UAIC (Direct) | Auto (liability, collision, comprehensive), commercial auto (Florida only), non-owner, SR-22, rental car reimbursement |
Third-Party Partner | Premium finance services, claims processing services |
UAIC ranks 11th for full coverage and 16th for minimum coverage, offering reliable service at reasonable rates.
Compare quotes from multiple insurers and research your coverage needs before purchasing.
MoneyGeek's expert answers to frequently asked questions about UAIC car insurance:
UAIC ranks 16th in our car insurance provider analysis, indicating moderate performance among national insurers.
UAIC doesn't rank in the top five car insurance companies in any state, according to our study.
UAIC charges adults an average of $1,388 annually for state minimum coverage and $1,742 for full coverage. Annual rates range from $1,331 to $5,666.
Customer feedback shows mixed claim handling experiences, with some policyholders reporting denials and processing delays. Comprehensive data on claim denial patterns is limited compared to larger insurers.
Note: This represents limited information based primarily on forum reviews.
UAIC offers competitive rates for drivers with bad credit, ranking fifth overall for affordability among high-risk driver categories.
Yes, UAIC raises rates over time due to inflation impacting repair and medical expenses, plus increased claims from distracted driving and severe weather events.
No, UAIC isn't ideal for young drivers. The company ranks 11th for affordability among young driver categories, with higher premiums than competitors.
UAIC specializes in high-risk drivers who struggle to find affordable coverage after violations or credit issues. Our rating system focuses on what matters most when comparing specialty insurers: competitive pricing for drivers with imperfect records, real customer experiences with claims and service, and coverage options that meet state requirements without unnecessary add-ons.
Our Research Approach
We pulled rate data from Quadrant Information Services covering 79 insurers across every U.S. ZIP code. This comprehensive dataset let us compare UAIC's pricing against mainstream carriers and other high-risk specialists.
Driver Profile Details
Our baseline profile represents a 40-year-old male driver with a 2012 Toyota Camry LE, clean driving record, 12,000 annual miles and good credit. We adjusted variables (age, violations, credit score, military status) to test pricing across different driver categories UAIC serves.
Coverage Definitions
Minimum coverage meets your state's legal requirements. Full coverage adds comprehensive and collision protection to liability coverage, using 100/300/100 liability limits with $1,000 deductibles for vehicle damage.
Rating Factors
Three factors shaped our evaluation:
Cost (60%): Price matters most for budget-conscious drivers. We compared UAIC's quotes against local competitors across multiple driver profiles to measure affordability.
Customer satisfaction (30%): We reviewed feedback from Google, J.D. Power, AM Best and Reddit to assess how UAIC handles claims, customer service and policy management.
Coverage variety (10%): We evaluated policy options and unique features, though high-risk specialists offer fewer choices than mainstream carriers.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
