Unique Insurance Review (2025)
- Overall rating: subpar (1.6/5 stars)
- Customer satisfaction score: 1.75/5 stars
- Digital experience score: 2/5 stars
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Unique Insurance: A subpar choice for high-risk drivers
Unique Auto Insurance is a non-standard carrier designed for high-risk drivers who may struggle to get coverage through traditional insurers. It offers limited but essential coverage options, though its outdated digital tools and poor customer service reviews leave much to be desired.
Availability is restricted to select states, and while rate data isn’t publicly available, high-risk insurance generally comes at a higher cost — something to keep in mind when comparing options. Based on these factors, The Zebra rates Unique as a subpar insurance company for most drivers.
Available only in Florida, Georgia, Illinois, Indiana, New Mexico, Tennessee and Utah.
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Consistency in Policy Terms: Stable terms provide predictable coverage at renewal.
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Ease of Filing a Claim: Multiple filing options make submitting claims simple and quick.
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Regulatory Actions or Complaints: Frequent complaints suggest problems with claims and customer service.
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Financial Strength Ratings: Weak ratings raise concerns about the company's financial stability.
How The Zebra evaluates insurance companies
| Rating | Explanation | Star rating equivalent |
|---|---|---|
| Subpar | Lowest ranking, suggesting instability or high risk | 0-1.9 |
| Fair | Somewhat stable but not consistently reliable | 2-2.9 |
| Good | Generally dependable with moderate stability | 3-3.9 |
| Solid | Strong, reliable and dependable with minor risks | 4-4.4 |
| Exceptional | Highest rating, indicating outstanding stability and reliability | 4.5-5 |
Methodology — how The Zebra reviews insurance companies
The team of insurance experts at The Zebra evaluates companies by focusing on customer experience first, with an emphasis on service quality, reliability, and ease of interaction. Unlike previous models, pricing is not scored but is instead presented separately as context for comparison.
Each category has been scored using a combination of our internal customer satisfaction survey results and published scores from reputable organizations such as AM Best and J.D. Power.
- Service Accessibility & Support Quality (25%): This category measures how easy it is to get help when needed, evaluating factors such as support channel availability (phone, chat, in-person, app), response times, agent knowledge, service hours, and language accessibility.
- Claims Experience (25%): This category assesses how smoothly the claims process works, considering ease of filing (online, app, or phone), transparency and communication, processing times, and fairness in dispute resolution.
- Digital Experience & Policy Management (25%): This category evaluates the convenience of managing your policy: this includes mobile app usability, website experience, account management, digital document access, self-service options, and platform integrations
- Trust & Reliability (25%): This category looks at a company’s overall reliability, measuring financial strength, market stability, regulatory history, communication transparency, and consistency in policy terms.
Price context: Pricing varies significantly based on individual circumstances and risk factors. Customers can evaluate cost-effectiveness based on their specific situation and the service quality scores provided.
How much is Unique car insurance?
Accurate pricing information for Unique is limited, making it difficult to assess how its rates compare to the national average — currently around $1,084 for a 6-month policy. Since premiums vary based on factors like age, location, driving history, and vehicle type, the best way to determine if Unique fits your budget is to get a personalized quote and compare it with other options during your search.
See how Unique stacks up against competitors →
Discounts offered at Unique: Unspecified
Auto insurance discounts with Unique Insurance depend on certain qualifications and state availability. Though specific discounts are not listed on their website, here are some common insurance discounts that may apply:
A discount may be available for customers who bundle another policy, such as home or renters insurance, with their auto insurance.
Unique Insurance may offer a discount to customers with multiple insured vehicles.
If you have a consistent insurance history, Unique Insurance might reward you with a discount.
Compare with other companies
See how Unique stacks up against similar companies
Cost: Unavailable
Customer satisfaction: Low
Our take:
- Limited car insurance endorsements available
- Only available in seven states
- Minimal digital capabilities
Cost: $954 for a six month auto policy
Customer satisfaction: High
Our take:
- Higher customer satisfaction scores than Unique
- Better customer service scores than Unique
- Better digital experience scores than Unique
Cost: $1,086 average cost for a six-month policy
Customer satisfaction: High
Our take:
- Available through out the USA
- Better customer service scores than Unique
- Better trust and reliability scores than Unique
Unique's customer service & claims experience: Lack of customer care is apparent
Unique’s customer service — both for policy support and claims — leaves a lot to be desired. Customers consistently rate it below average across the board. The claims process, in particular, lacks transparency, often leaving drivers in the dark about where things stand. And once a decision is made, there’s little recourse if you don’t agree with the outcome.
Incompetence
“My husband and I have had this insurance for two months, and the communication has been awful. I’ve spent over an hour on hold just trying to update our declaration page, with no real help after multiple transfers. Even after emailing the required info, they claimed they never received it — despite the confirmation I have. If it’s this hard to make a basic update, I can’t imagine what filing a claim would be like.” — Clearsurance
Horrible company claim not resolved
“This company has been terrible at handling my claim. My car was hit overnight, and two weeks later, nothing is resolved. No one returns my calls or emails — even my adjuster only spoke to me when I reached out first. It’s been over a week with no response at all. I’m paying over $1,000 for coverage, and can’t get any help.” — Clearsurance
Not sure if this company is illegal or immoral.
"In an era where fairness and equality are paramount, it's disheartening to encounter companies like Unique Insurance. My recent experience with them has left me not only disillusioned but also questioning the legality of their operations. They are a prime example of what should be deemed illegal within the insurance industry due to its blatant and unjust equity practices." - Reddit
Claims process: Inefficient and unresponsive
Unique’s claims process leaves a lot of room for improvement. Customers report poor communication, long processing times, and little clarity around claim status or resolution. With low marks for transparency and fairness, it’s the kind of experience that makes you hope you never actually need to file a claim.
Coverage options: Specializing in non standard
Unique provides standard coverage options such as liability, collision and comprehensive coverage. Due to its focus on high-risk drivers, coverage options may be more basic compared to other providers.
Final thoughts: Is Unique right for you?
Unique Insurance is a prominent player in the non-standard auto insurance market across seven states. Pricing and discounts are unknown, but non-standard car insurance is typically quite pricey, especially for full coverage. The company lacks online capabilities, preferring the use of independent agents over online quoting. Our star rating reflects the lack of information available as well as Unique's poor ratings from the BBB, customers, and the NAIC. Non-standard drivers who need minimal coverage and don't require high-tech capabilities may find Unique worthwhile if rates fit within your budget.
Frequently Asked Questions about Unique
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.