UAIC ranks 14th nationally as a moderately strong car insurance provider. The company excels in coverage options and customer service, offering competitive protection and support for policyholders. This ranking reflects a 40-year-old male driver with good credit and no driving violations. UAIC's ranking for your profile depends on your coverage needs.
UAIC Car Insurance Review
Updated: September 17, 2025
Advertising & Editorial Disclosure
Key Takeaways
UAIC ranks 11th for full coverage affordability and 16th for minimum liability coverage, with average monthly rates of $144 and $111, respectively.
UAIC earns 15th place nationwide for customer satisfaction, with middle-of-the-pack performance based on agent service quality and customer reviews.
UAIC secures eighth place for coverage variety, providing specialized options like roadside assistance programs and accident forgiveness for qualifying drivers.
UAIC Car Insurance Ratings
| Overall Score | 3.49 | 16 |
| Customer Experience | 3.59 | 15 |
| Coverage | 2.88 | 8 |
| Affordability | 3.55 | 12 |
Who Is UAIC Car Insurance Best and Worst For?
UAIC works best for drivers with bad credit seeking affordable coverage options, as well as those wanting basic minimum coverage or comprehensive full coverage. It's not ideal for young or adult drivers, who'll find better rates elsewhere.
Compare how UAIC stacks up for your profile below.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100,000 - 1000 comp_coll
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Overall Score | 4.28 | 7 |
UAIC Car Insurance Ratings by State
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.
UAIC Car Insurance vs. Competitors
Here's how UAIC car insurance compares with major national insurance companies:
UAIC vs. GEICO | 3.53 vs. 4.34 | UAIC has similar coverage scores to GEICO, but GEICO wins due to better affordability and customer service. |
UAIC vs. State Farm | 3.53 vs. 4.15 | Despite similar coverage rankings, State Farm is the better overall option for most drivers. |
UAIC vs. AAA | 3.53 vs. 3.79 | UAIC is slightly more affordable, but AAA's customer experience makes it the better choice. |
UAIC vs. Allstate | 3.53 vs. 3.78 | Despite being less affordable, Allstate's coverage and customer experience are slightly higher than UAIC's. |
UAIC vs. USAA | 3.53 vs. 4.86 | For military members and their families, USAA is a better option than UAIC. |
UAIC vs. Travelers | 3.53 vs. 4.5 | Travelers outperforms UAIC in all categories in our study. |
UAIC vs. Farmers | 3.53 vs. 3.86 | Farmers is the better option than UAIC due to its highly rated coverage options. |
How Much Does UAIC Car Insurance Cost?
Your UAIC car insurance costs range from $111 to $476 monthly, depending on your 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.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Gender:Female
Select
Credit Alignment:Below Fair
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
Select
Coverage Level:100/300/100,000 - 1000 comp_coll
| $218 | $2,619 | -37% | 2 |
UAIC Car Insurance Rates by Driver Category
UAIC tends to be 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. Below you can review how affordable UAIC is for your driving category.
| 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 Car Insurance Rates by State
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 Car Insurance Discounts
UAIC specializes in affordable coverage for high-risk drivers and those needing SR-22 filings. While UAIC doesn't heavily advertise discount programs like larger insurers, the company offers several ways to reduce premiums for eligible policyholders. Most discount details require contacting an agent directly. 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 significantly fewer miles annually than average | 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 typically 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 Car Insurance Customer Reviews and Reputation
UAIC earns 15th place for customer experience in MoneyGeek's comprehensive customer satisfaction study. Customer feedback reveals the company receives praise for responsive agents and helpful phone support, though digital tools and online account management generate mixed reviews. Claims processing draws the most criticism, with customers frequently citing delays and communication issues during settlement.
The following sections break down buying, policy management and claims process experiences based on MoneyGeek's research.
Buying Process Experience
UAIC offers straightforward purchasing primarily through independent agents and online quotes, focusing on getting drivers the minimum coverage required by state law quickly and affordably. The application process is streamlined for basic policies, with less emphasis on add-on coverages or premium features. Agents are experienced in working with budget-conscious customers and those who may have had difficulty getting coverage elsewhere.
Policy Management
UAIC provides basic online account access for policy information, payments and document retrieval, though the digital experience is more limited than larger insurers. The company focuses on essential functions like making payments and accessing proof of insurance rather than comprehensive self-service options. Most policy changes require phone contact or working with your agent.
Claims Experience
UAIC's claims handling focuses on processing standard claims efficiently rather than providing premium service features. The company handles basic liability and minimum coverage claims with straightforward procedures, though customers should expect less personalized attention than larger insurers offer. Claims are handled by phone, emphasizing meeting policy obligations rather than going above and beyond. The repair network consists of standard facilities, and customers may need to be more involved in coordinating their own repairs and follow-up.
UAIC Car Insurance Industry Customer Satisfaction Ratings
UAIC is not ranked by a majority of the industry rankings that we use to compare auto insurance providers. It does have a 2.4 NAIC auto complaint index score, meaning it receives 24 times more complaints than similarly sized auto insurers.
UAIC Car Insurance Reddit and Forum Customer Satisfaction
UAIC customers on Reddit and online forums appreciate the company's affordable rates for high-risk drivers and willingness to provide coverage when other insurers won't, valuing its accessibility for customers with poor credit or driving violations.
Common complaints include extremely poor customer service with excessive wait times, problematic claim handling with frequent delays and disputes and minimal digital capabilities that force customers to rely on inadequate phone support.
Here's what real customers are saying about their experiences on forums:
Pricing and Value
Very competitive rates for high-risk drivers, but customers often realize the low cost comes with significant service compromises:
"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."
Claims Processing
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."
Customer Service
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."
Digital Experience
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."
Trust and Reputation
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."
Coverage Options
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."
REVIEWS ON FORUMS AREN’T A PERFECT GAUGE
Negative reviews dominate forums and don't reflect overall service quality. For a complete picture, combine user reviews with industry resources like J.D. Power, independent agents, the National Association of Insurance Commissioners (NAIC) and the Insurance Information Institute.
UAIC Car Insurance Coverage Options
UAIC provides standard coverages similar to other top insurers, such as liability, comprehensive and collision protection. Additional add-ons from the company include:
Towing Coverage | Helps pay for your car to be towed to a mechanic if you break down on the side of the road | Basic towing service; must contact agent for details; limited information available |
Transportation Expense (Theft) | Covers 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 | Specialty of UAIC; required for DUI/license suspension; filed directly with the state |
Medical Payments (MedPay) | Covers medical expenses for you and passengers regardless of fault in an accident | Standard coverage option; supplements health insurance; various limit options available |
Personal Injury Protection (PIP) | No-fault coverage for medical expenses, lost wages and rehabilitation costs regardless of who caused accident | Required in certain states; broader than MedPay; covers income replacement |
Covers 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 | Protects you when at-fault driver has no insurance or insufficient coverage for your damages | Stacked vs. non-stacked options; covers medical bills and property damage; essential protection |
Other UAIC Insurance Coverage Options to Consider
Here are other insurance types to consider for bundle savings or individual policies:
Who Offers It? | Insurance Products |
|---|---|
UAIC (Directly Offered) | Auto insurance (liability, collision, comprehensive), commercial auto insurance (Florida only), non-owner auto insurance, SR-22 insurance, rental car reimbursement |
Third-Party Partner | Premium finance services, claims processing services |
UAIC Auto Insurance Review: Bottom Line
UAIC is a reliable and reasonably affordable insurance provider with strong performance in key areas. It ranks 13th overall for full coverage and 14th for minimum coverage.
Compare quotes from multiple insurers, research your coverage needs and choose the right coverage level before purchasing.
UAIC Car Insurance Reviews: FAQ
Here are MoneyGeek’s expert answers to frequently asked questions about UAIC car insurance:
Does UAIC insurance have a good reputation?
Yes, UAIC is a legitimate car insurance company that ranks 16th in our comprehensive car insurance provider analysis. The company excels in coverage options, earning an impressive eighth place ranking among all providers we evaluated.
Where is Progressive the best car insurance company?
UAIC isn't ranked in the top five or a top option for car insurance in any state according to our study.
How much does UAIC car insurance cost on average?
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.
Is UAIC known for denying claims?
Based on available customer feedback, UAIC appears to have mixed claim handling experiences, with some policyholders reporting denials and processing delays. Comprehensive data on their claim denial patterns remains limited compared to larger insurers.
Note: This represents limited information based primarily on forum reviews.
Is UAIC a good option for high-risk drivers?
UAIC offers excellent value for drivers with bad credit, ranking fifth overall for affordability among high-risk driver categories.
Does UAIC raise car insurance rates over time?
Yes, UAIC raises rates over time due to inflation impacting repair and medical expenses, plus increased claims from distracted driving and severe weather events.
Is UAIC good for young drivers?
No, UAIC isn't ideal for young drivers since their expensive premiums result in an 11th place ranking for overall affordability nationwide.
How We Rated UAIC Car Insurance
MoneyGeek pulled auto insurance rate data from Quadrant Information Services and compared prices from 79 insurers in every U.S. ZIP code.
Standard Driver Profile Used for Analysis
We used a baseline driver profile to ensure consistent rate comparisons. Our standard driver has these characteristics:
- Age: 40 years old, male
- Vehicle: 2012 Toyota Camry LE
- Driving history: Clean record
- Annual mileage: 12,000 miles
- Credit rating: Good
- License status: Valid and active
- Insurance history: Currently covered with no previous claims
We then modified specific variables, including age, driving record, credit score and military status, to determine which insurers offer the best rates for different driver categories. Our minimum coverage rates represent policies meeting state-required minimums. Full coverage includes 100/300/100 liability limits plus comprehensive and collision coverage with $1,000 deductibles.
Company Rating System
Our evaluation process weighted three key factors:
- Cost (60% weight): We compared quotes across multiple driver profiles within each city, measuring how competitively each insurer prices its policies against local competitors.
- Customer satisfaction (30% weight): We analyzed customer feedback from multiple sources, including Google reviews, J.D. Power ratings, AM Best scores and online forums like Reddit, to assess overall service quality and customer experience.
- Coverage variety (10% weight): We evaluated each provider's coverage options, considering the breadth of available policies and any unique benefits or features.
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Apple App Store. "UAIC Ratings and Reviews." Accessed September 18, 2025.
- Google Play. "UAIC - Apps on Google Play." Accessed September 18, 2025.