United Auto Insurance

What United Auto Insurance does

United Auto Insurance is a privately held, regional personal-lines insurance carrier founded in 1979 and headquartered in Des Plaines, Illinois, with additional offices in Chicago, Champaign, Rockford, and Silvis. The company underwrites and distributes auto insurance as its core product line, with specialized same-day SR-22 certificate filing for high-risk drivers, and complements auto coverage with homeowners, renters, motorcycle, commercial vehicle, and roadside assistance policies. Customers span individual drivers, high-risk drivers (DUI, license suspension), motorcycle owners, property owners and renters, and small commercial vehicle operators across Illinois and Indiana.

The technology stack consists of standard insurance policy administration and claims processing systems, augmented by online quoting tools, an online payment portal at uccbill.com, and a self-serve policy renewal platform (uai.renewinsurancepolicy.com). A Click Quote Print functionality enables 24/7 direct policy binding without phone interaction. ILIVS Electronic Verification of Insurance Illinois is offered as a compliance service tied to the state's insurance verification mandate. No proprietary technology, AI/ML capabilities, or third-party platform integrations beyond payments and social media are disclosed.

The business model is recurring premium-based across the auto, homeowners, renters, motorcycle, and commercial lines, with subscription-style renewal mechanics. Distribution is inbound-led via phone (773-202-5000) and website quote tools, supported by walk-in service at five physical offices. Pricing is custom-quoted per customer risk profile, with free quotes, monthly payments, six-month prepay, and annual payment options. Marketing combines radio advertising on Chicago FM stations (B96 96.3, KISS 103.5), organic social media across Facebook, YouTube, Twitter/X, and TikTok, and location-targeted SEO pages for more than 50 Illinois and Indiana cities. No funding rounds, acquisitions, parent company, or institutional investors are disclosed.

Name

United Auto Insurance

Legal name

United Auto Insurance

Website

https://unitedautoinsurance.com

Company type

Private

Founded year

1979

Operating status

Operating

Headcount range

1–10 employees

Short description

United Auto Insurance is a privately held, 47-year-old regional personal-lines insurance carrier headquartered in Des Plaines, Illinois, underwriting auto, SR-22, homeowners, renters, motorcycle, and commercial vehicle coverage for individual drivers and small businesses across Illinois and Indiana through phone, website, and physical office channels.

Ownership category

akta.pro rank

Product category

Auto Insurance

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Standard Personal Auto Insurance (Liability, Collision & Comprehensive) (FSAJAAAA)

akta.pro secondary industry

Non-Standard / High-Risk Personal Auto Insurance (FSAJAAAD)

Keywords

• Auto insurance
• SR-22 insurance
• Motorcycle insurance
• Commercial vehicle insurance
• Renters insurance

Headquarters

HQ city

Chicago

HQ country

United States

HQ region

North America

Offices5 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D, Infrastructure, Supply Chain

Revenue model

1. Auto Insurance Premiums: Core revenue from providing auto insurance policies to drivers across Illinois and Indiana. Policies include liability coverage, full coverage, SR-22 filings, and coverage for various vehicle types.
2. SR-22 Insurance: Specialized insurance product for high-risk drivers required to file SR-22 certificates with the Secretary of State's office. Same-day filing service available.
3. Multi-Line Insurance Products: Additional revenue from homeowners insurance, renters insurance, motorcycle insurance, commercial vehicle insurance, and roadside assistance add-on services.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels7 records

Core offering

United Auto Insurance is a Chicago-area insurance agency that underwrites and sells private-passenger auto insurance policies, with a specialty in same-day SR-22 financial-responsibility filings for high-risk drivers across Illinois, Chicago, and Northwest/Central/Southern Indiana. The core auto line is bundled with ancillary property and casualty coverages (homeowners, renters, motorcycle, commercial vehicle) and roadside assistance as an add-on, all quoted and serviced through phone, website, and physical branches.

Product overview

United Auto Insurance is a regional insurance provider offering a portfolio of insurance products centered on auto insurance with complementary property and casualty lines. The core offering consists of Auto Insurance and SR-22 Insurance (specialized filing service for high-risk drivers), supplemented by Homeowners, Renters, and Motorcycle Insurance for property protection, Commercial Vehicles Insurance for business clients, and Roadside Assistance as an add-on coverage option. The company also provides Electronic Verification of Insurance (ILIVS) compliance services. All products are available through the company's online quote tools and physical office locations serving Chicago, Illinois, and Northwest Indiana.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Private-passenger auto insurance offering liability coverage meeting Illinois state minimums ($25,000 bodily injury per person, $50,000 per accident, $20,000 property damage) and full coverage options for drivers across Illinois, Chicago, and Northwest Indiana. Available with same-day proof of insurance, no requirement for prior insurance, and tailored quotes based on customer needs and budget.
• SR-22 Insurance Financial-responsibility certificate filing service for high-risk drivers (license suspensions, DUI convictions, driving without insurance, or other violations), filed same-day with the Illinois Secretary of State's office. Includes free SR-22 filings for qualifying customers and supports the 1-3 year state-mandated maintenance window.
• Homeowners Insurance Property insurance for homeowners protecting the dwelling and contents against damage and loss, designed to bundle with existing UAI auto policies and tailored to the customer's budget.
• Renters Insurance Personal property coverage for renters, protecting belongings such as flat-screen TVs and jewelry, with policies customized to the renter's situation and often bundled with UAI auto coverage.
• Motorcycle Insurance Coverage for all motorcycle makes and models including high-performance and Harley Davidson bikes, offering full coverage, liability, and guest passenger liability protection.
• Commercial Vehicles Insurance

Quantifiable outcome

• Same-day proof of insurance and SR-22 filings available
• +2 more outcomes

Named customers4 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Erie Insurance: Erie Insurance is a regional P&C carrier with strong Midwest presence (including Illinois and Indiana). Comparable regional positioning and personal lines focus (auto, home, motorcycle), though Erie operates with broader underwriting capacity and an established agent network.
• National General Insurance: National General is a larger national P&C insurer with a strong specialty/non-standard auto offering overlapping with UAI's high-risk driver focus. As a broader incumbent, it competes for UAI's customer base but offers more diversified products and geographies.

Direct peers

• Dairyland Insurance: Dairyland specializes in non-standard auto and motorcycle insurance, including high-risk drivers and SR-22 filings. Direct comparable given UAI's motorcycle insurance line and SR-22 specialization serving similar customer profiles.
• Acceptance Insurance: Acceptance Insurance is a national personal lines agency focused on non-standard auto insurance for drivers turned down or charged higher rates elsewhere. Strong functional comparable to UAI given the same customer segment and agency-distribution model.
• Elephant Insurance: Elephant Insurance is a direct-to-consumer auto insurer offering non-standard and minimum-liability coverage online. Comparable to UAI given the auto insurance focus on drivers who may not qualify for preferred coverage, with overlap in digital distribution.
• Freeway Insurance: Freeway Insurance is a multi-state insurance agency offering personal auto, homeowners, and specialty lines through physical retail locations. Highly comparable regional retail distribution model serving value-focused customer segments similar to UAI.
• The General Insurance: The General is a leading direct writer of non-standard auto insurance, specializing in high-risk drivers who often pay higher premiums. Highly comparable to UAI given the shared focus on drivers needing SR-22-like coverage and state-minimum liability policies.
• Direct Auto Insurance: Direct Auto specializes in non-standard auto insurance with a focus on drivers needing SR-22 certificates and minimum-liability coverage. The product line, phone + online distribution approach, and customer base directly overlap with UAI.
• Bristol West Insurance: Bristol West is a direct writer specializing in non-standard and preferred auto insurance. Comparable to UAI in underwriting drivers who may have difficulty obtaining standard coverage, with significant overlap in target customer demographics.
• Cure Auto Insurance: Cure Auto is a regional auto insurance carrier serving high-risk drivers with SR-22 filings and minimum-liability policies in New Jersey and Pennsylvania. Comparable niche focus on high-risk drivers and same-day SR-22 issuance, though in a different geography.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat2 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/UnitedAutoIns
• YouTubeyoutube.com/user/UnitedAutoInsurance/videos
• Facebookfacebook.com/unitedautoinsurance
• TikToktiktok.com/@unitedautoinsurance?is_from_webapp=1&sender_device=pc

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about United Auto Insurance