UAIC Insurance

UAIC is a car insurer in Miami Gardens. Its full name is United Automobile Insurance Company. It sells Florida auto online and through agents. Licensed in 1990.

You can find it on our list of Florida auto insurance companies. Its Florida company code is 01985 and its NAIC number is 35319.

Taking new policiesChecked Oct 19 Auto

Is United Auto leaving Florida? No. It sells Florida car insurance online and through agents, and has been licensed in Florida since 1990. As of Oct 19, 2026. Source: uaig.net.

By , updated

Did your UAIC renewal go up?

A licensed Florida agent shops other companies for you. It is free and takes about 5 minutes.

or call (727) 997-5999

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New policies

Taking new policies

As of Oct 19, 2026

Policies in force

Not available

No count on file

Latest rate change

Not available

No rate change on file

Financial strength

Not rated

No rating from AM Best, Demotech or KBRA

Complaints

1.20

NAIC index, 2025. 1.00 is average.

Can I get a policy?

We're still gathering this company's rules. Call and we'll check for you.

Talk to a licensed agent (727) 997-5999

Did your UAIC renewal go up?

You have two choices. One 5 minute call covers both.

  • Keep UAIC, switch your agent. You sign one form. Same company, same coverage, same price. Only your agent changes, to one who answers the phone.
  • Shop it. Your new agent checks 80+ companies at every renewal.
Talk to a licensed agent (727) 997-5999

Or send a message

Before you call, see the Florida home insurance renewal checklist.

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What's changed recently

  1. Florida exam covers UAIC books through 2023

    Florida's OIR posted a financial exam of UAIC. It covers the period through December 31, 2023.

  2. Verdict in a United Auto PIP case

    Trade press reported a verdict in a United Auto PIP case in November 2009. It said the verdict would cut down on PIP lawsuits.

See every UAIC update

Rate history

No rate filings tracked yet.

Want your UAIC renewal shopped?

A licensed Florida agent shops other companies for you. It is free and takes about 5 minutes.

or call (727) 997-5999

Free. No junk mail. No spam calls.

36 years in Florida

In Florida since 1990. Has paid claims through 22 hurricanes.

19901995200020052010201520202025 Andrew (1992 , Category 5 at Florida landfall) Andrew Cat 5 Erin (1995 , Category 2 at Florida landfall) Erin Cat 2 Opal (1995 , Category 3 at Florida landfall) Opal Cat 3 Earl (1998 , Category 1 at Florida landfall) Earl Cat 1 Georges (1998 , Category 2 at Florida landfall) Georges Cat 2 Irene (1999 , Category 1 at Florida landfall) Irene Cat 1 Charley (2004 , Category 4 at Florida landfall) Charley Cat 4 Frances (2004 , Category 2 at Florida landfall) Frances Cat 2 Ivan (2004 ) Ivan Jeanne (2004 , Category 3 at Florida landfall) Jeanne Cat 3 Dennis (2005 , Category 3 at Florida landfall) Dennis Cat 3 Wilma (2005 , Category 3 at Florida landfall) Wilma Cat 3 Matthew (2016 ) Matthew Irma (2017 , Category 4 at Florida landfall) Irma Cat 4 Michael (2018 , Category 5 at Florida landfall) Michael Cat 5 Ian (2022 , Category 4 at Florida landfall) Ian Cat 4 Nicole (2022 , Category 1 at Florida landfall) Nicole Cat 1 Idalia (2023 , Category 3 at Florida landfall) Idalia Cat 3 Debby (2024 , Category 1 at Florida landfall) Debby Cat 1 Helene (2024 , Category 4 at Florida landfall) Helene Cat 4 Milton (2024 , Category 3 at Florida landfall) Milton Cat 3 Isaías (2026 , Category 2 at Florida landfall) Isaías Cat 2

Compare UAIC side by side

UAIC side by side with State Farm and USAA
UAIC State Farm USAA
New policies Taking new policies Checked Oct 19, 2026 Taking new policies Checked Oct 19, 2026 Taking some new policies Checked Oct 19, 2026
Florida policies Not available 654,641 Florida OIR, Jul 31, 2026 338,547 Florida OIR, Jul 31, 2026
Latest rate change Not available +0.8% Home, from Jan 15, 2026 Not available
Complaint index 1.20 NAIC, 2025, nationwide, private passenger auto. 1.00 is average. 0.63 NAIC, 2025, nationwide, homeowners. 1.00 is average. 0.83 NAIC, 2025, nationwide, private passenger auto. 1.00 is average.
Financial rating Not rated AM Best, Demotech and KBRA A- (Excellent) AM Best A++ (Superior) AM Best
In Florida since 1990 1934 1958

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Questions people ask about UAIC

Is UAIC the same as United Automobile Insurance Company?Yes.

UAIC is the short name for United Automobile Insurance Company. OIR, the state regulator, uses that full name. It is on OIR's exam reports and orders.

Source: Florida OIR financial examination report listing as of 12/31/2023, seen in search October 10, 2026

Is UAIC admitted in Florida?The public record points to yes.

OIR, the state regulator, has posted financial exams of United Automobile Insurance Company. The latest covers the time through December 31, 2023. OIR runs these exams on insurers based in the state.

Source: Florida OIR financial examination report listing as of 12/31/2023, seen in search October 10, 2026

What is the United Auto claims phone number?Call 800-344-2150 to report a new claim, weekdays 8 a.m. to 6 p.m. Eastern.

Policy customer service is 800-551-2110. Automated policy status and payments are at 855-799-2069, 24 hours a day.

Source: UAIC contact page, read Oct 10, 2026

Is United Auto licensed in Florida?Yes.

OIR lists United Automobile Insurance Company with a Florida certificate of authority since July 1, 1990. Its NAIC code is 35319. Its OIR code is 01985. It is based in Miami Gardens.

Source: OIR company search, read Oct 10, 2026

Still deciding? Let us shop your UAIC renewal.

A licensed Florida agent shops other companies for you. It is free and takes about 5 minutes.

or call (727) 997-5999

Free. No junk mail. No spam calls.

UAIC reviews and complaints: what the public data shows

UAIC rating

UAIC is not rated by AM Best, Demotech or KBRA.

Complaints
1.20 on the NAIC complaint index 1.00 is average. Higher means more complaints for its size. NAIC, 2025, nationwide, private passenger auto. As of Oct 16, 2026.
Years in Florida
Since 1990 (36 years)
Regulatory actions
Not available

No star ratings and no user reviews, only public data.