United Security Insurance Company: Complete Review, Products & What You Need to Know (2026)

When researching affordable auto insurance options outside the major national carriers, many drivers come across United Security Insurance Company. With over 50 years in business, this regional insurer focuses on personal lines auto insurance and serves drivers in select states. While the company may not have the brand recognition of Geico or State Farm, its long history, Warrior Insurance Network affiliation, and competitive pricing make it worth understanding for anyone shopping for coverage.

Understanding what United Security Insurance Company offers and where it falls short can help drivers make smarter decisions. This guide will explore the company’s history, products, financial strength, customer experience, operating states, how to file a claim, and whether USIC might be the right fit for you. We’ll also provide practical tips for working with independent agents and alternatives to consider if you need broader coverage or stronger ratings.

By the end of this article, you’ll know who United Security Insurance Company is, how it operates, what types of auto policies it offers, and how it compares to other insurers in terms of stability, service, and customer satisfaction.

United Security Insurance Company Overview

Founded in 1973, United Security Insurance Company has been providing personal lines auto insurance for over five decades. Originally known as United Security Health and Casualty (USH&C), the company transitioned from broader life and health products to focus primarily on property and casualty insurance, especially auto insurance tailored to budget‑minded drivers.

Headquartered at 6640 South Cicero Avenue in Bedford Park, Illinois, USIC operates primarily as a regional carrier, serving drivers in several Midwest and Southern states. The company emphasizes affordable coverage for both non‑standard and preferred markets, making it a popular choice for drivers who may not fit into the lowest‑risk categories required by more traditional carriers.

United Security Insurance Company operates through independent insurance agents rather than direct sales. This operating model gives customers a local agent who can compare USIC’s offerings with other carriers and help tailor coverage to individual needs. Because USIC is part of the Warrior Insurance Network (WIN) and affiliated with First Chicago Insurance Company, it benefits from combined scale, shared resources, and supporting infrastructure while maintaining a focus on regional markets.

The company positions itself as an alternative to larger insurers such as Progressive, GEICO, and AAA, particularly for drivers seeking competitively priced personal auto coverage from an established company with decades of experience.

States Where United Security Insurance Operates 

United Security Insurance Company is licensed and actively writing personal auto insurance in a growing number of states. As of 2026, USIC operates in Arizona, which was expanded in 2025, as well as Arkansas, Illinois, Indiana, Oklahoma, and Texas.

Although part of the broader Warrior Insurance Network’s 22‑state licensing footprint, USIC itself does not operate in all 22 states. WIN’s network allows member companies to support each other’s growth and infrastructure, but each insurer writes business only where it is licensed and has regulatory approval.

The company’s selective state presence reflects a strategic approach: expanding where it sees demand for affordable, personal auto coverage and where independent agents have strong relationships. In 2025, Arizona was added to USIC’s roster, and further expansion remains possible as the company grows its agent base and infrastructure.

If you want a policy in one of these states, you can find a licensed independent agent through USIC’s website or by contacting customer service. Agents in these states can offer tailored quotes, explain available discounts, and help you compare USIC’s offerings with other carriers.

Insurance Products Offered

Personal Auto Insurance (Primary Focus)

United Security Insurance Company’s current product lineup centers on personal auto insurance, with the following common coverages:

Liability coverage

Liability coverage is a fundamental component of auto insurance that protects you financially if you cause an accident. It pays for bodily injury medical expenses, rehabilitation, and sometimes lost wages for the other party and property damage, such as repairs to vehicles, fences, or buildings damaged in the collision. Without liability coverage, you could be personally responsible for these costs, which can quickly become substantial. This coverage ensures that your financial obligations are managed by the insurer, giving you peace of mind while driving. Additionally, many states require a minimum level of liability coverage to legally operate a vehicle, making it not only a smart choice but also a legal necessity in most cases. It forms the foundation of your auto insurance policy and works alongside other coverages to provide comprehensive protection.

Comprehensive and collision

Comprehensive and collision coverage protects your own vehicle from a wide range of damages. Collision coverage pays to repair or replace your car if it is damaged in an accident, regardless of who is at fault, including collisions with other vehicles or stationary objects. Comprehensive coverage handles non-collision events, such as theft, vandalism, fire, falling objects, or natural disasters like hail and flooding. Together, these coverages ensure that you are not left with costly repair or replacement bills after unexpected incidents. They are especially important for newer or high-value vehicles, as they safeguard your investment and provide peace of mind while driving or parking your car. By combining collision and comprehensive coverage, you get broader protection that addresses both accidents and other unforeseen risks.

Uninsured/underinsured motorist

Uninsured/underinsured motorist coverage protects you when the driver responsible for an accident does not have enough insurance or any insurance at all to cover your damages. If you are injured or your vehicle is damaged in a collision with such a driver, this coverage helps pay for medical expenses, lost wages, and vehicle repairs that would otherwise come out of your pocket. It’s particularly important in areas with high rates of uninsured drivers, ensuring that you are not financially burdened due to someone else’s lack of coverage. This protection works alongside your liability, collision, and comprehensive coverages to provide a safety net against unpredictable situations on the road.

Personal Injury Protection (PIP)

Personal Injury Protection (PIP) is an auto insurance coverage that helps pay for medical expenses, rehabilitation costs, and sometimes lost wages for you and your passengers after an accident, regardless of who is at fault. The specifics of PIP coverage can vary by state, as some states require it while others offer it as an optional add-on. PIP can also cover additional expenses such as funeral costs or essential services if an injury prevents you from performing daily tasks. This coverage provides a financial safety net for medical and related expenses, helping policyholders focus on recovery without worrying about immediate out-of-pocket costs. It is especially valuable in states with no-fault insurance laws, where PIP is often mandatory.

Optional coverages

Optional coverages allow policyholders to tailor their auto insurance to meet specific needs beyond the standard protections. Common add-ons include roadside assistance, which helps with towing, flat tires, or lockouts; rental reimbursement, which covers the cost of a temporary vehicle while yours is being repaired after a covered claim; and other optional protections such as gap coverage, pet injury coverage, or enhanced glass protection. These add-ons are typically arranged through your independent insurance agent, who can help determine which options make sense based on your driving habits, vehicle type, and budget. Optional coverages enhance the flexibility and convenience of your policy, ensuring you have additional support when unexpected situations arise.

These offerings make USIC a solid choice for the everyday driver seeking core auto protection.

Previous Products (Historical Context)

In its earlier years, United Security Insurance Company, then United Security Health and Casualty, was not solely an auto insurer. The company originally offered life and health products, including:

The company originally offered life and health products, including Disability Income, Dental, Vision & Hearing coverage, Critical Illness insurance, Cancer and Accident Hospital Indemnity plans, and Short Term Major Medical. These offerings reflected the company’s early focus on providing comprehensive health and financial protection to individuals before transitioning to its current specialization in personal auto insurance.

Over time, leadership strategically shifted focus to property and casualty insurance as part of long‑term growth and profitability goals, selling off life‑insurance operations and exiting the health market.

Current Focus

Today, USIC is clearly positioned as a personal auto insurer in both non‑standard and preferred markets. It competes on:

United Security Insurance Company offers competitive pricing structures, ensuring that coverage remains affordable for a wide range of drivers. Policyholders can take advantage of multiple discount options, including incentives for safe driving, multi-vehicle policies, bundling with other coverages, and more. Additionally, the company provides flexible payment plans to accommodate different budgets, making it easier for customers to maintain continuous coverage without financial strain.

Independent agents are central to how these products are delivered. Agents can often help customers find additional savings options and explain how different coverages work together to protect drivers and families.

Financial Strength and Ratings

One important factor when choosing any insurer is financial strength. For United Security Insurance Company, the most widely referenced metric is the AM Best rating, a leading indicator of an insurer’s ability to pay claims.

In January 2024, AM Best upgraded USIC’s rating to B (Fair) from its previous C++ (Marginal). This reflects noticeable improvements in risk‑adjusted capitalization and overall financial performance. The company also holds a “bb” Long‑Term Issuer Credit Rating (Fair), indicating moderate financial stability.

Being part of the First Chicago Insurance Group and the Warrior Insurance Network provides additional support. While USIC’s ratings are lower than top‑tier carriers like State Farm, GEICO, and Progressive (which often hold A or A+ ratings), a B (Fair) rating still means that the insurer has an acceptable ability to meet its ongoing insurance obligations.

For policyholders, these ratings suggest:

Claims are likely to be paid

Claims with United Security Insurance Company are likely to be paid, providing policyholders with essential coverage and protection. However, because the company has a lower financial strength rating compared to higher-rated carriers, the financial cushion may be more limited, which could impact the speed or scope of large claim settlements. Despite this, USIC remains a viable option for drivers seeking affordable coverage, particularly in non-standard and preferred auto insurance markets.

LIC (Lower financial cushion)

United Security Insurance Company has a lower financial cushion (LIC) compared to national carriers, meaning its ability to absorb large or unexpected claims is more limited. While this does not prevent claims from being paid, policyholders may experience differences in settlement speed or resources compared to major insurers with higher ratings.

United Security Insurance Company has demonstrated stable underwriting and consistent growth over recent years, reflecting a disciplined approach to risk management and careful selection of policies. This stability indicates that the company has been able to balance incoming premiums with claims payouts effectively, avoiding overexposure while steadily expanding its customer base. Such growth also suggests that USIC is successfully navigating competitive markets and maintaining financial sustainability, which can give policyholders confidence in the company’s ability to meet its obligations and continue providing reliable coverage over time.

In comparison to industry standards, USIC sits comfortably among regional insurers and specialty carriers that focus on non‑standard auto markets rather than national scale.

Financial stability is just one piece of the puzzle; customers should weigh rating information alongside pricing, customer experience, and coverage options when choosing an insurer.

Warrior Insurance Network Connection

The Warrior Insurance Network (WIN) is a collective of independent insurance companies that share marketing resources, technology platforms, and industry expertise. United Security Insurance Company is a member of this network, which also includes:

• First Chicago Insurance Company (est. 1920)

• West Virginia National Auto Insurance Company

• Texas Ranger MGA

• Lonestar MGA

WIN helps smaller regional carriers compete more effectively by providing shared branding, marketing support, and operational technologies. One key tool used across the network is Guidewire’s InsuranceNow, a modern platform that supports policy administration, billing, and claims handling.

Being part of WIN allows USIC to draw upon decades of combined experience and over $1 billion in written premiums across the network. This affiliation improves efficiency, supports growth into new states, and offers stronger agent support systems.

However, while the network offers strength in numbers, each company, like United Security Insurance Company, still operates independently in its licensed states.

Customer Experience and Reviews

Positive Aspects

Customers who favor United Security Insurance Company often cite:

United Security Insurance Company offers affordable pricing for drivers in non‑standard markets, making it an accessible option for those who may have higher-risk profiles. The company provides multiple payment options to help policyholders manage their budgets effectively, while local independent agents deliver personalized service and guidance. With over 50 years in business, USIC demonstrates experience and longevity in the insurance industry. Additionally, the company offers flexibility for drivers with less‑than‑perfect records, ensuring that a broader range of customers can obtain the coverage they need.

Many drivers appreciate the role USIC plays as an alternative to larger insurers, especially if they’ve been declined elsewhere or seek budget‑friendly premiums.

Common Complaints

A review of feedback from sites like the Better Business Bureau (BBB) and online rating platforms reveals some recurring issues:

Some common complaints about United Security Insurance Company include claims processing delays and difficulty reaching claims adjusters, which can frustrate policyholders needing timely assistance. Customers have also reported phone response challenges and, in some cases, low settlement offers. Additional issues include communication gaps during claims handling and mobile app functionality complaints, which can make managing policies and tracking claims more cumbersome. These concerns highlight areas where the company’s customer service may fall short compared to larger, more highly rated insurers.

These concerns align with typical patterns seen in regional insurers, where smaller claims teams and high call volumes can impact responsiveness.

BBB Information

United Security Insurance Company is not currently accredited by the Better Business Bureau. There have been multiple complaints recorded, with topics including claims delays, customer service challenges, and billing disputes. Some complaints have been resolved, while others remain open.

Some customers reported that early contact information, such as a named representative like Robert G. Dial, was referenced before filing formal complaints. This highlights the importance of documenting all interactions when working through service issues.

Review Site Ratings

Overall, online reviews are mixed. Some customers highlight satisfaction with pricing and agent relationships, while others express frustration with the pacing and outcome of claims handling. As with any insurer, there is variance in individual experiences.

An objective assessment suggests that drivers who prioritize affordable pricing from an experienced regional carrier may find value, but those who place a high priority on customer service consistency may be better served by larger carriers with broader support infrastructures.

How to Contact United Security Insurance Company

If you need to reach United Security Insurance Company, here are the key contact details:

• Phone: (800) 875‑4422

• Address (Claims): PO Box 388199, Chicago, IL 60638

• Headquarters: 6640 S. Cicero Avenue, Bedford Park, IL 60638‑5836

• Website: unitedsecurityins.com

• Business Hours: Monday–Friday, 8:00 AM – 5:00 PM CST

• Claims Contact: For claims issues, contact Robert G. Dial at [email protected] or (708) 475‑6100 ext. 6051

• Mobile App: Warrior Mobile (iOS & Android)

Because USIC works through independent agents, you can also contact an agent in your state to request quotes, revise coverage, or assist with policy changes and claims support.

The Warrior Mobile App

United Security Insurance Company and other WIN carriers support the Warrior Mobile app, available on both iOS and Android. The app offers policyholders a convenient way to:

• Access policy documents

• Request roadside assistance

• Make bill payments

• Review coverage details

• Track claims progress

• Use telematics or driving monitoring features

While many users appreciate the convenience of mobile access, some common app issues have been reported, including login challenges, limited feature availability in certain states, and occasional performance bugs. These concerns are common with many insurer apps and are often addressed through updates.

Availability and features may vary by state and policy type, so check with your independent agent or the app store listing to confirm compatibility.

Pros and Cons of United Security Insurance Company

This table provides a quick visual comparison for readers to evaluate USIC’s strengths and weaknesses at a glance.

Is United Security Insurance Right for You?

Good Fit If

United Security Insurance Company is a good fit if you’re seeking affordable auto insurance and live in a state where USIC operates. It works well for drivers who prefer working with an independent agent for personalized service, those with a tight budget, or individuals in a non‑standard insurance market who may have difficulty obtaining coverage from larger, traditional carriers.

Consider Alternatives If:

You should consider alternatives to United Security Insurance Company if you prioritize customer service or desire a broader range of insurance products beyond auto coverage. Alternatives may also be better if you want higher financial strength ratings, have had negative claims experiences with prior carriers, or need coverage in states where USIC does not operate. Exploring other options can help ensure you find a carrier that meets your service expectations, product needs, and geographic requirements.

Alternatives to consider:

Alternatives to consider include national carriers such as State Farm, Geico, and Progressive, which often offer broader coverage options and higher financial strength ratings. You might also explore other regional carriers operating in your state for competitive pricing and localized service. Additionally, USIC’s sister company, First Chicago Insurance Company, can be a viable option for those seeking similar coverage with a related network of resources.

Comparing multiple quotes and understanding financial strength and service reputation can help you make the most informed decision.

Filing a Claim with United Security Insurance 

Filing a claim with United Security Insurance Company is similar to other auto insurers. Here’s what to expect:

How to Report a Claim

• Call USIC at (800) 875‑4422

• Use the Warrior Mobile app

• Contact your independent agent for help

Required Documentation

• Police report (if applicable)

• Photos of damage

• Proof of loss and vehicle information

• Driver and policy details

Claims Process Timeline

Expect initial acknowledgement within a few days, with investigations and payouts taking longer depending on complexity. Delays may happen during high‑volume periods.

Regulatory Information

United Security Insurance Company is regulated by the Illinois Department of Insurance and must comply with state insurance laws in each operating state. Policyholders have several regulatory and consumer protection resources available:

• State Insurance Department contacts for complaints

• Consumer protection hotlines

• Market conduct exams to ensure fair treatment

• Ability to file complaints if issues aren’t resolved with the insurer

Before purchasing a policy, check your state’s insurance department website for details on how to file complaints, view financial profiles, and compare carrier complaint ratios.

Understanding your rights as a consumer ensures you have avenues for recourse if you experience issues with coverage, claims handling, or billing.

Final Thoughts 

United Security Insurance Company offers a long‑standing alternative to major national carriers, with a focus on affordable personal auto insurance through independent agents. Its affiliation with the Warrior Insurance Network, AM Best rating improvements, and multiple coverage options make it worth considering if you live in a state where it operates.

However, customers should balance pricing and accessibility with mixed reviews around claims and customer service. Comparing multiple quotes, understanding financial strength, and speaking with independent agents will help you determine if USIC is the right fit for your needs.

For drivers seeking budget‑friendly auto coverage from a company with decades of experience, United Security Insurance Company remains a viable choice, especially when paired with careful research and realistic expectations.

FAQs

1. Is United Security Insurance Company legitimate?

Yes. Founded in 1973 and licensed in multiple states with an AM Best B (Fair) rating.

2. What states does United Security Insurance operate in?

Arizona, Arkansas, Illinois, Indiana, Oklahoma, and Texas.

3. How is United Security Insurance’s customer service?

Reviews are mixed; some customers note communication and claims handling issues.

4. What is United Security Insurance’s AM Best rating?

It holds a B (Fair) rating, upgraded from C++ in 2024.

5. How do I file a claim with United Security Insurance?

Call (800) 875‑4422, use the Warrior Mobile app, or contact your agent.