Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Aug 16, 2021

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Key takeaways...

  • Universal Car Insurance offers commercial liability and property insurance to business owners and small contractors
  • It also offers commercial vehicle insurance for both cars and trucks
  • Universal offer insurance sells annual premiums through independent agents

This Universal Car Insurance Review will discuss the company known as Universal Insurance Company.

It is based out of Winston- Salem, North Carolina and provides car insurance coverage to individuals in the states of Georgia and North Carolina.

Along with car insurance, Universal Insurance Company offers commercial liability and property insurance to business owners and small contractors.

It also offers commercial vehicle insurance for both cars and trucks. If you would like to compare online car insurance quotes in your local area, enter your zip code in the space above for FREE!

Who is Universal Insurance?

One of the things Universal Insurance Company prides itself on is that it is able to offer competitive rates for those insurance customers who have had difficulty in the past receiving car insurance because of their situation or bad driving records.

The reason Universal is able to offer insurance products to high-risk individuals is that they sell their policies through independent agents.

Being independent allows them to have access to a wide variety of car insurance carriers, not just one.

Often smaller insurance carriers are able to be more flexible in their options and customize more plans, which means more people are able to get insurance.

If you do not live in Georgia or North Carolina but would like to research car insurance, enter your zip code below and you will be able to compare car insurance quotes for a number of companies.


  1. https://www.irmi.com/term/insurance-definitions/commercial-general-liability-policy
  2. https://www.allstate.com/tools-and-resources/car-insurance/property-damage-liability-insurance.aspx
  3. https://www.acceptanceinsurance.com/our-products/auto-insurance/high-risk-auto-insurance/
  4. https://www.farmers.com/insurance/
  5. https://www.thebalance.com/what-is-an-insurance-carrier-527308
  6. https://en.wikipedia.org/wiki/North_Carolina