United Automobile Insurance Company (UAIC) is a family-owned, non-standard auto insurer founded in 1989 and headquartered in Miami Gardens, Florida. It focuses on high-risk drivers — those with violations, lapses, or poor credit — with low-cost, state-minimum policies sold through independent agents. It is inexpensive, but it also has well-documented service concerns, so here is an independent look at United Auto, its estimated rates, and how it compares in 2026.
United Automobile Insurance Company was founded in 1989 by Richard Parrillo Sr. and remains a privately held, family-owned insurer based in Miami Gardens, Florida, selling non-standard personal auto (and commercial auto in Florida) through independent agents. It is licensed in roughly 16 states but writes most of its business in Florida, Georgia, and Texas. Its appeal is price: it is among the cheapest options for high-risk drivers who cannot get standard-market coverage, with a focus on state-minimum liability and SR-22 filings. The cautions are significant. AM Best has not rated the company since 2016, when it withdrew ratings at an FSR of C (Weak) with a negative outlook, and NAIC data shows United Auto draws roughly 24 times as many complaints as expected for its size, with reviews frequently citing slow claims handling and denials.
Independent market estimates based on NAIC rate filings and state insurance department data. Not provided by or endorsed by United Auto Insurance. Actual rates vary by state, ZIP, and individual profile.
| Driver profile | Est. annual premium | vs. market avg. | Notes |
|---|---|---|---|
| Clean record, 30–45 | ~$1,560/yr | Below avg. | Low-cost, minimum-coverage focus |
| Single accident (3 yrs) | ~$2,040/yr | Below avg. | Priced for high-risk drivers |
| DUI on record | ~$2,760/yr | Below avg. | SR-22 filings available |
| Young driver (18–24) | ~$2,700/yr | Near avg. | State-minimum policies to cut cost |
| Senior driver (65+) | ~$1,620/yr | Near avg. | Varies by state |
| Lower credit tier | ~$2,220/yr | Below avg. | Serves drivers with poor credit |
ⓘ Source: NAIC filings and state regulatory data. Not quotes from United Auto Insurance. Verify pricing directly with the carrier or a licensed agent.
United Auto's single clearest advantage is price for drivers the standard market turns away. It is among the cheapest non-standard insurers, it will write state-minimum liability and SR-22 policies for drivers with violations, lapses, or poor credit, and it has operated since 1989 through independent agents in its active states. But the risks are real and well documented. AM Best has not rated the company since 2016, when ratings were withdrawn at an FSR of C (Weak) with a negative outlook, so there is no current third-party read on its financial strength. More importantly, NAIC data shows it draws roughly 24 times as many complaints as expected for its size, and consumer reviews repeatedly cite long claims processes, denials, and slow settlements — concerns amplified by its heavy exposure to Florida's PIP litigation environment. It can be a genuine last-resort option on price, but the claims-service track record is exactly why it is worth comparing carefully against other carriers.
United Auto Insurance can make sense for high-risk drivers who need the cheapest possible coverage or an SR-22 and have limited options. Go in clear-eyed about the trade-offs: no current AM Best rating, a complaint volume far above the norm, and a widely reported reputation for difficult claims. Comparing United Auto against other carriers in your area — including other non-standard insurers — is the best way to weigh its low price against those service concerns.
Disclaimer: RateWire 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 Auto Insurance. All carrier names and trademarks are the property of their respective owners used solely for informational and comparison purposes. Rate figures are independent market estimates from publicly available NAIC and state regulatory data — not quotes from United Auto Insurance. By submitting your ZIP code, 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 before purchasing.