UltraCar Insurance

What UltraCar Insurance does

UltraCar Insurance LLC is a privately held, family-owned insurance brokerage founded in 2012 and headquartered in O'Fallon, Missouri, in the St. Louis metro area. The company specializes in high-risk auto insurance products, principally SR22 and FR44 financial responsibility certificates that drivers are required to carry to reinstate suspended licenses following DUI convictions, reckless driving, or other serious traffic violations. It is licensed to provide SR22 coverage in 34 states and FR44 coverage specifically in Florida and Virginia, where higher minimum liability limits apply. The brokerage operates a multi-carrier model, accessing several insurance providers to shop competitive rates on behalf of customers who are routinely declined or quoted unaffordable rates by standard carriers.

The company's product surface extends beyond owner and non-owner SR22/FR44 policies into motorcycle insurance (with optional SR22/FR44 endorsements), commercial auto insurance for small business fleets, and general liability coverage for contractors. Its core technology asset is an electronic SR22/FR44 filing system that submits certificates directly to state DMVs, with filings typically completed in approximately 20 minutes. The filing speed, combined with state-specific landing pages and a content library of more than 337 educational articles, drives an SEO-led top-of-funnel acquisition motion that converts into phone-based consultative sales with licensed agents and an online self-service quote form.

UltraCar earns revenue through brokerage commissions on insurance premiums placed with carrier partners across SR22, FR44, motorcycle, commercial auto, and general liability lines. Pricing is quote-based and not publicly disclosed, with monthly billing cadence and an explicit policy of no broker or filing fees. The company has cumulatively served more than 129,000 customers across 34 states, distributing products through in-house licensed phone agents, a self-service online quote platform, and a referral partnership with Intoxalock for ignition interlock device services used in DUI-related license reinstatement. No external equity funding, parent company, or acquisition activity is disclosed.

Name

UltraCar Insurance

Legal name

UltraCar Insurance LLC

Website

https://ultracarinsurance.com

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

1–10 employees

Short description

UltraCar Insurance is a family-owned US insurance brokerage specializing in SR22 and FR44 high-risk auto coverage for license reinstatement across 34 states, serving individual drivers and small businesses via electronic DMV filings and multi-carrier rate shopping.

Ownership category

akta.pro rank

Product category

High-Risk Auto Insurance (SR22/FR44 Brokerage)

NAICS

Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

SR-22 / FR-44 Personal Auto Insurance (FSAJAAAJ)

akta.pro secondary industries

Non-Standard / High-Risk Personal Auto Insurance (FSAJAAAD), Personal Auto Insurance (FSAJAMAA), Commercial Auto & Fleet Insurance (FSAJAMAB)

Keywords

• SR22 insurance
• FR44 insurance
• High-risk auto insurance
• License reinstatement insurance
• Non-owner SR22 insurance

Headquarters

HQ city

Fallon

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D, Others

Revenue model

1. Insurance Premiums: As an insurance brokerage, UltraCar Insurance earns revenue by facilitating insurance policies from multiple carriers. Customers pay recurring premiums for SR22, FR44, motorcycle, commercial auto, and general liability insurance policies.
2. Policy Brokerage Services: The company acts as a broker matching customers with appropriate high-risk insurance providers across multiple carriers to find competitive rates.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

UltraCar Insurance is an insurance brokerage that matches high-risk drivers with SR22 and FR44 financial responsibility certificates for license reinstatement, electronically filed with state DMVs in about 20 minutes across 34 states. It also places owner and non-owner auto, motorcycle, commercial auto, and general liability policies through multiple carriers, with no filing fees and support from licensed agents in each state represented.

Product overview

UltraCar Insurance is a family-owned insurance brokerage specializing in high-risk auto insurance products. The core offering centers on SR22 and FR44 financial responsibility certificates for license reinstatement, with owner and non-owner policy variants. Additional products include motorcycle insurance (with SR22/FR44 filing options), commercial auto insurance, and general liability insurance for businesses. The company operates as a single-source provider offering standard and high-risk auto, non-owner, and motorcycle insurance plans under one roof, serving 34 states with electronic filing capabilities and partnerships for complementary services like ignition interlock devices.

Differentiator

Problem solved

Functional benefit

Brands

• UltraCar Insurance: Primary brand name for SR22, FR44, motorcycle, commercial auto and general liability insurance services

Products and services

• SR22 Insurance High-risk auto insurance certificate filed electronically with state DMVs to reinstate driving privileges after license suspension for traffic violations, DUI, or court orders. Available in 34 states as a financial responsibility filing.
• FR44 Insurance

Quantifiable outcome

• Over 129,000 customers served
• +1 more outcomes

Named customers2 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature1 record

Partnerships

One partnership is on record.

• IntoxalockcoreStrategic or Co-development PartnerExclusive partnership with Intoxalock, an industry-leading provider of ignition interlock devices (IID). UltraCar Insurance customers needing IID installation as part of license reinstatement may be eligible for free Intoxalock installation. Intoxalock's state specialists assist customers through the installation process, which takes less than 10 minutes.

Scale indicators5 records

Recent moves8 records

Expansion highlights5 records

Broad incumbents

• GEICO: Major national auto insurer offering SR22 certificates as part of its standard auto coverage. A broad incumbent providing scale-based competition to specialized SR22 brokers.
• Progressive: Large national auto insurer offering SR22 filings across all 50 states as part of its broader portfolio. A broad incumbent that competes for high-risk drivers but does not specialize in the SR22 niche.

Direct peers

• InsuranceNavy (Brewster Insurance): Online insurance brokerage specializing in SR22 and non-standard auto policies, offering electronic filing across multiple states. Closely comparable to UltraCar's core SR22/FR44 brokerage and non-owner SR22 focus.
• The General Insurance: Direct-to-consumer non-standard auto insurance carrier serving high-risk drivers, including SR22 customers. Comparable focus on drivers with violations, DUIs, or license suspensions.
• Dairyland Insurance: Direct writer specializing in non-standard and high-risk auto insurance including SR22 filings for motorcycle, auto, and other specialty vehicles. Comparable customer segment of high-risk drivers seeking specialized coverage.
• Good2Go Auto Insurance: Non-standard auto insurance carrier providing minimum coverage and SR22 filings to high-risk drivers across multiple states. Comparable in serving drivers seeking affordable state-required coverage.
• Direct Auto Insurance: Non-standard auto insurance carrier offering SR22 filings, motorcycle, and commercial auto coverage to high-risk drivers. Overlaps with UltraCar's high-risk personal auto and commercial auto products.
• Acceptance Insurance: Non-standard auto insurance provider offering SR22 filings and coverage for drivers with poor driving records. Comparable niche focus on high-risk drivers needing license reinstatement.

Emerging players

• Insurify: Insurance comparison platform offering auto quotes including high-risk and SR22 coverage. An emerging player whose self-service model contrasts with UltraCar's phone-led brokerage approach.
• Jerry: Insurance comparison and switching marketplace that simplifies auto insurance shopping, including high-risk and SR22 scenarios. Represents an emerging digital competitor to UltraCar's phone-led, agent-assisted model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/UltraCarInsurance
• LinkedInlinkedin.com/in/fred-houdei-466802107

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 UltraCar Insurance