UnitedHealthcare Auto Insurance Review (2024)
UnitedHealthcare auto insurance isn't an option, but UHC is a major health insurance company. UnitedHealthcare insurance. has rates as low as $400/mo. for health insurance plans. UnitedHealthcare car insurance quotes aren't likely to become available, but some UHC coverage may pay for car accident injuries.
Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Feb 7, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Feb 7, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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UnitedHealthcare
Average Monthly Rate For Good Drivers
$121A.M. Best Rating:
A+Complaint Level:
LowPros
- UnitedHealthcare Group provides over 45 million people with health and life insurance coverage
- UnitedHealthcare offers discounted auto insurance rates through its partnership with Liberty Mutual
Cons
- None to mention
- UnitedHealthcare Group provides over 45 million people with health and life insurance coverage.
- UnitedHealthcare auto accident coverage is not a type of insurance available from the top life and health insurance companies.
- UnitedHealthcare offers discounted auto insurance rates through its partnership with Liberty Mutual.
UnitedHealthcare insurance company is one of the largest health and life insurance providers in the United States. A.M. Best, the top credit ranking agency in the insurance industry, has given them an A+ rating meaning it is a financially sound investment. UnitedHealthcare reviews from the Better Business Bureau (BBB) are generally positive, with an A- customer satisfaction rating in its corporate location.
Although UnitedHealthcare insurance does not offer any type of auto insurance coverage, UHC has partnered with Liberty Mutual to offer existing policyholders some form of an auto insurance discount through its UnitedHealthcareOne partnership.
If you’re interested in comparison shopping prices from auto insurance companies, then try out our free online quote option now that you’ve finished this UnitedHealthcare auto insurance review. After typing in your ZIP code, you’ll receive multiple quotes from local area auto insurance companies in no time.
What You Should Know About UnitedHealthcare
The average for car insurance expenditures per year rose 6.4 percent to $1,004.68 in 2017, so it’s no wonder you might be looking for some form of UHC auto insurance discount and asking if there is a UnitedHealthcare primary insurance auto accident policy.
So, does UnitedHealthcare have auto insurance coverage?
No. UnitedHealthcare auto accident coverage is not a type of insurance available from the top life and health insurance companies. However, they have partnered with Liberty Mutual to provide discount rates and some of the best accident insurance for automotive and health-related incidents.
Insurance from UHC and auto insurance from Liberty Mutual is offered through the UnitedHealthcare One partnership.
The partnership grants policyholders the full supplemental accident insurance coverage needed in case of a car crash or any medically related illness.
Savings are estimated to be around 12 percent for auto coverage, but it is to be noted that savings are based on area and availability of options, rules, and regulations pertaining to specified areas.
What type of insurance is UnitedHealthcare? The name should be a dead-ringer for what UnitedHealthcare Group insurance provides its policyholders, but to be fair, you never know these days.
The company, a young one as far as the insurance market is concerned, having only been founded as recently as 1977, provides life and health insurance to its members.
In addition to group and individual accident insurance, UHC provides life and health coverage options in the private and public sectors, which amounts to a large section of national health insurance coverage nationwide.
Current statistics from the 2018 U.S. Census Bureau indicate that nearly 70 percent of the population is covered by private insurance, and over 30 percent is covered under public.
Within the public sector, UHC operates under the moniker Golden Rule Insurance, a subsidiary acquired that operates as UHC’s supplier of medicare coverage.
The video above helps explain the details of coverage for an individual UnitedHealthcare plan, but in the case of an auto accident injury, does UHC coordinate with auto insurance?
What car insurance details are needed in an accident? Health and auto insurance collaborate when it comes to covering the cost of your bill will be determined by both insurance companies and will both need information, but do not expect your health or auto insurance company to go the extra mile in contacting one or the other when it comes to a claims payout.
A case-by-case scenario generally determines how much a coordinated effort between insurance companies occurs. The same goes for whether your health insurance can deny a claim caused by an auto accident. Most will not outright deny a claim, but they may delay payment as they seek out damage payment from the auto insurance provider.
If you decide to go with a Liberty Mutual auto insurance policy, then, of course, you’ll receive UnitedHealthcare coordinated benefits with car insurance coverage.
The particulars of the auto accident and injuries will still determine coverage and payment, but it is comforting to know both your healthcare and auto insurance providers are working in partnership to resolve any claims.
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Where is UnitedHealthcare located?
The UnitedHealthcare address for the company headquarters is located at 5901 Lincoln Dr, Minneapolis, MN, 55436.
UnitedHealthcare has many locations throughout the country from coast to coast, including individual and group health, life, and accident insurance, California-based operations and a Manhattan-based location in New York.
The following states where UHC is unavailable: are Alabama, Arkansas, Connecticut, Idaho, Kentucky, Louisiana, Main, Mississippi, Missouri, Montana, New Jersey, North Carolina, North Dakota, Oklahoma, Texas, and Vermont.
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Does UnitedHealthcare have agents?
UnitedHealthcare has agents and brokers operating most of the company’s insurance options through online services. Local brokers or agents can be found through the company website after using the UnitedHealthcare login portal and typing in your ZIP code.
UnitedHealthcare customer service hotline is also available to existing and potential policyholders Monday–Thursday 8:00 a.m.–10:00 p.m. ET, Friday 8:00 a.m.–8:00 p.m. ET, and Saturday 9:00 a.m.–5:30 p.m. ET. The UnitedHealthcare number is 1-800-273-8115.
How do I file a claim with UnitedHealthcare?
Filing a claim with UnitedHealthcare can now be completed through its website with the ease and efficiency of online applications. UHC also has an app; customers can access their accounts anywhere and anytime after signing in through the UnitedHealthcare login portal.
After creating an account, policyholders can check their coverage options, find doctors, print member ID cards, file and check claims status, and print out necessary claims forms.
Since not everyone is computer literate, UHC still offers a write-in option for the claims process. Necessary claims forms are located on the company website or can be provided by your local broker. Filled-out forms can be sent to:
- UnitedHealthOne® Plans
PO Box 31374
Salt Lake City, UT 84131-0374
EDI #37602 - Claims-Only Fax: 1-801-478-7581
Customers are also urged to contact their local broker or agent directly for any troubleshooting or needed assistance in the claims process.
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How do I get a quote from UnitedHealthcare?
Potential customers can apply for quotes online through the UnitedHealthcare website. The website also has quote links to include a Liberty Mutual auto insurance policy under the UnitedHealthcareOne partnership option.
UnitedHealthcare Insurance Rates Breakdown
Insurance from UHC and auto insurance from Liberty Mutual is offered through the UnitedHealthcare One partnership.
The partnership grants policyholders the full amount of supplemental accident insurance coverage needed in case of a car crash or any medically related illness.
Savings are estimated to be around 12 percent for auto coverage, but it is to be noted that savings are based on area and availability of options, rules, and regulations pertaining to specified areas.
To give you a better idea of how much you might save with a UnitedHealthcare discount, we have provided the average rates by state for auto insurance coverage below.
Average Annual Comprehensive Auto Insurance Rates by State
| States | Average Annual Comprehensive Auto Insurance Rates |
|---|---|
| Alabama | $146.28 |
| Alaska | $141.08 |
| Arizona | $184.20 |
| Arkansas | $183.36 |
| California | $99.29 |
| Colorado | $158.34 |
| Connecticut | $126.02 |
| Delaware | $113.23 |
| District of Columbia | $230.25 |
| Florida | $110.12 |
| Georgia | $153.61 |
| Hawaii | $100.09 |
| Idaho | $110.78 |
| Illinois | $117.98 |
| Indiana | $115.02 |
| Iowa | $171.58 |
| Kansas | $225.34 |
| Kentucky | $130.15 |
| Louisiana | $208.59 |
| Maine | $96.66 |
| Maryland | $146.77 |
| Massachusetts | $128.92 |
| Michigan | $147.02 |
| Minnesota | $173.04 |
| Mississippi | $194.74 |
| Missouri | $166.34 |
| Montana | $199.87 |
| Nebraska | $206.24 |
| Nevada | $116.79 |
| New Hampshire | $103.03 |
| New Jersey | $123.18 |
| New Mexico | $166.89 |
| New York | $156.66 |
| North Carolina | $123.00 |
| North Dakota | $227.64 |
| Ohio | $112.74 |
| Oklahoma | $201.56 |
| Oregon | $89.66 |
| Pennsylvania | $132.01 |
| Rhode Island | $122.17 |
| South Carolina | $165.38 |
| South Dakota | $228.59 |
| Tennessee | $135.62 |
| Texas | $186.70 |
| Utah | $106.57 |
| Vermont | $118.31 |
| Virginia | $129.89 |
| Washington | $104.11 |
| West Virginia | $195.04 |
| Wisconsin | $126.34 |
| Wyoming | $222.86 |
| U.S. Average | $138.87 |
UnitedHealthcare Discounts Available
Discounted rates can definitely come in handy, especially when considering that even a single car accident can have an impact on your auto insurance rates, as this table shows:
Average Annual Auto Insurance Rates by Driving Record
| Companies | Average Annual Rates With a Clean Driving Record | Average Annual Rates With 1 Accident | Average Annual Rates With 1 DUI | Average Annual Rates With 1 Speeding Violation |
|---|---|---|---|---|
| USAA | $1,858.11 | $2,737.39 | $3,224.03 | $2,132.96 |
| State Farm | $2,561.35 | $2,934.63 | $3,462.47 | $2,561.35 |
| Geico | $2,769.60 | $3,651.43 | $3,061.96 | $3,570.55 |
| Nationwide | $3,351.99 | $3,351.99 | $4,977.19 | $3,789.11 |
| Progressive | $4,066.74 | $5,258.36 | $4,753.00 | $4,581.27 |
| Allstate | $4,270.52 | $6,562.28 | $6,837.95 | $4,270.52 |
| American Family | $4,418.84 | $5,627.66 | $4,931.37 | $4,418.84 |
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Frequently Asked Questions
Does UHC offer auto-pay with a debit card?
UnitedHealthcare has online features and an app where customers can set up accounts, pay, and review billing information all from the touch of their phones. Autopay for billing options should work with a debit card that is backed by a bank account or a top credit agency.
Who pays for bodily injury: Medicare, UnitedHealthcare, or auto insurance?
As we mentioned briefly earlier in the article, the particulars of any payment from an auto accident injury would need to be determined on a case-by-case scenario. However, in the majority of cases, liability coverage from the car insurance policy would cover any medical expenses, up to policy limits. Also, it’s important to note that your liability car insurance policy will also pay for your medical bills, no matter who is at fault for the car accident.
Does UnitedHealthcare pay for a gym membership?
UnitedHealthcare does not pay for gym memberships, but it does offer discounts and money-back incentives to encourage policyholders to live healthier lives. Gym reimbursement programs are now available at more than 124,000 participating fitness centers nationwide.
What is UnitedHealthcare Auto Insurance?
UnitedHealthcare is primarily known as a health insurance provider. However, as of my knowledge cutoff in September 2021, UnitedHealthcare does not offer auto insurance. They specialize in health insurance plans, including individual and group health coverage.
Is UnitedHealthcare the same as UnitedHealthcare Auto Insurance?
No, UnitedHealthcare is not the same as UnitedHealthcare Auto Insurance because UnitedHealthcare does not offer auto insurance coverage. Their focus is primarily on health insurance plans and related healthcare services.
Where can I find auto insurance coverage instead of UnitedHealthcare?
If you are looking for auto insurance coverage, you will need to explore other insurance providers that specialize in auto insurance. There are many reputable auto insurance companies available, such as Progressive, GEICO, State Farm, Allstate, and others. It’s advisable to research and compare different insurance providers to find the one that offers the coverage and benefits that meet your specific needs.
How can I contact UnitedHealthcare for health insurance inquiries?
If you have inquiries or need assistance regarding health insurance, you can contact UnitedHealthcare through their customer service channels. Visit their website to find the appropriate contact information, including phone numbers and email addresses, to reach their customer service representatives who can assist you with health insurance-related questions.
Can UnitedHealthcare provide any insurance coverage for my vehicle?
As of my knowledge cutoff in September 2021, UnitedHealthcare does not offer any specific insurance coverage for vehicles. Their primary focus is on health insurance and related healthcare services. For auto insurance coverage, you will need to explore other insurance providers that specialize in auto insurance.
What types of insurance does UnitedHealthcare offer?
UnitedHealthcare primarily offers health insurance plans, including individual and group health coverage. They may also provide additional healthcare-related services, such as dental insurance, vision insurance, Medicare plans, and pharmacy benefits management.
Can I get a quote for auto insurance from UnitedHealthcare?
No, as of my knowledge cutoff in September 2021, UnitedHealthcare does not provide auto insurance coverage. To obtain a quote for auto insurance, you will need to contact a dedicated auto insurance provider or compare quotes from various insurance companies that specialize in auto insurance.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.