Unique Insurance Review
- With 1.0/5 stars in 2023, Unique is a poor insurance company.
- Read Unique reviews, complaints and prices before you buy.
Unique insurance: Ratings and reviews
Unique Insurance specializes in the non-standard personal car insurance market. The company has expanded its reach beyond Illinois where it began, now serving policyholders across seven states — Florida, Georgia, Illinois, Indiana, New Mexico, Tennessee and Utah.
Despite being smaller than most national providers, Unique Insurance has solidified its presence in the market with its personalized services and competitive pricing. This review aims to provide insights into what makes Unique Insurance a preferred choice for many and a breakdown of its coverage offerings and discount opportunities.
Tailored to non-standard customers
Poor customer reviews
Only available in seven states
Minimal digital capabilities
Limited car insurance endorsements available
The Zebra Customer Satisfaction Survey
Our evaluation also incorporates rankings gleaned from our Customer Satisfaction Survey. However, we did not receive enough respondents for Unique Insurance to qualify.
How much does Unique insurance cost?
Information on Unique average premiums is limited, which makes it hard to provide an accurate review and calculate a fair rating.
It's important to remember that several personal factors are considered when policies are written, and premiums will vary based on things like age, driving history, geographic location and vehicle type. It's worth getting a quote on auto insurance in your area to see if Unique can offer coverage within your budget.
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:
- Multi-policy: A discount may be available for customers who bundle another policy, such as home or renters insurance, with their auto insurance.
- Multi-vehicle: Unique Insurance may offer a discount to customers with multiple insured vehicles.
- Continuous coverage: If you have a consistent insurance history, Unique Insurance might reward you with a discount.
- Homeowners discount: Auto policyholders who own their homes may be eligible for a discount.
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What types of coverage does Unique offer?
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.
- Roadside assistance: Emergency services like towing, fuel delivery and flat tire repair are available
- Rental reimbursement: Covers rental car costs if your vehicle is deemed unavailable for use after a covered loss
Read more about Unique's additional coverages here.
Unique insurance review: Summary
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.
Methodology — how The Zebra reviews insurance companies
The team of insurance experts at The Zebra considers the company's standing in five main categories to come up with an overall rating. These metrics are weighted according to importance and are detailed below:
- Price (20%): Using the base profile detailed below, we compared the company's average rate with the national average. If it surpassed this average, we gave a lower rating; if it fell below, we awarded a higher rating.
- Coverage (20%): The highest-scoring companies offer a variety of coverage options, including bundling options, roadside assistance, telematics, beyond-basic coverage levels, and a variety of other coverage types.
- Customer service (30%): We averaged ratings from JD Power, the NAIC complaint index to come up with a rating for the company's customer service. In instances when a company is not rated, we may use alternative rating agencies such as the Better Business Bureau and Trust Pilot.
- Financial strength (10%): We use AM Best to determine a company's financial standing. In some cases when a company is not rated by AM Best, we may use an alternative measure such as Demotech.
- The Zebra's Customer Satisfaction Survey (20%): The Zebra conducts an annual survey measuring customer satisfaction for many of the top insurance companies with the goal of ranking both the best auto insurance companies and best home insurance companies. Read more below.
For our auto insurance review, we analyzed more than 83 million insurance rates spanning every U.S. ZIP code using a sample user profile: a 30-year-old single male driver with a Honda Accord, good credit and full coverage at these levels:
- $50,000 per person/$100,000 per incident for bodily injury liability
- $50,000 per incident for property damage liability
- $500 deductibles for collision and comprehensive coverage
For our home insurance review, rates are based on a sample user profile: a 45-year-old married homeowner living in a 2,500-square-foot single-story home built in 2011 with these coverage levels:
- $200,000 for the dwelling
- $20,000 for other structures
- $100,000 for personal property
- $100,000 for personal liability
- $1,000 deductible
These sample premiums are dynamic and automatically refresh whenever the newest data is made available.
To generate pricing for particular rating factors, we adjusted this profile based on common pricing factors used by major car insurance companies. These factors include credit score, coverage level and others.
For The Zebra's Customer Satisfaction Survey, findings are based on an online quantitative survey of 4,134 current U.S. auto and home insurance customers, with Census-balanced sampling by age, gender and region. Categories with n=<20 responses are considered insufficient sample size and are not reported. This survey was developed by The Zebra and executed by independent research firm Maru/Blue in 2023.
Unique insurance: Frequently asked questions
Is Unique a good insurance company?
Unique Insurance may be an okay option for non-standard drivers who require minimal coverage and are comfortable working with independent agents, as it may provide tailored solutions if the rates align with their budget. However, those prioritizing a more tech-based experience, requiring comprehensive coverage and endorsements and seeking stellar customer experience may wish to shop elsewhere.
What states does Unique Insurance do business in?
Unique Insurance sells policies in Florida, Georgia, Illinois, Indiana, New Mexico, Tennessee and Utah.
What kind of insurance does Unique sell?
Unique Insurance specializes in non-standard personal automobile insurance but also sells manufactured home, commercial and commercial trucking coverage in certain states.
Do customers like Unique insurance?
There is limited third-party data concerning Unique's customer satisfaction but they have a low customer rating at the BBB and an above-average complaint index with the NAIC.
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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.