Auto vs UPCIC Mobile
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Auto
Manage your insurance policies, payments, and claims conveniently on the go. Access ID cards, request roadside assistance, and submit claims with ease. Stay informed with alerts and paperless document options.
- Policy management
- Bill payments
- Automatic payments
- Roadside assistance requests
- Glass claim submission
- Claim status tracking
- ID card access
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Stay connected to your insurance anytime, anywhere with the Auto-Owners mobile app. Easily manage your policies, payments, claims and more. • Pay your bills • Set up and manage automatic payments • Request roadside assistance • Submit a glass claim • Check claim status and view claim documents and history • Access your insurance ID cards and policy documents • Get temporary proof of insurance for a newly acquired vehicle • Manage how you receive documents, including paperless options • Update your texting preferences and choose how you receive important alerts
UPCIC Mobile
Manage your home insurance policy conveniently from your mobile device. Access policy documents, make secure payments, file and track claims, and locate agents. The app offers a centralized dashboard for all your insurance needs.
- Access policy documents
- Make payments
- File and track claims
- Find an agent
- Manage settings
- Paperless options
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With the Universal Property & Casualty Insurance Company mobile app, you can easily access your policy documents, make payments, file and track claims, find nearby agents and manage many other facets of your home insurance policy with the click of a button! • ACCESS POLICY DOCUMENTS - One-stop shop dashboard houses your crucial documents in one place. • MAKE PAYMENTS - Secure and confidential payment processing system. • FILE & TRACK CLAIMS - Easy filing form with drop down menus and immediate updates. • FIND AN AGENT - Locate your agent’s information or find an agent closest to you. • MANAGE SETTINGS - Go paperless or manage your SMS notifications with a single click.
Screenshots
Verdict
The clearest difference is rating: Auto at 4.8 against UPCIC Mobile's 4.5. On price, review sentiment, ratings volume and update cadence there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Auto holds the better App Store score, 4.8 against 4.5. Both are backed by a comparable volume of ratings — 6.8K and 9.2K respectively. Written reviews complicate that: 25% of Auto's written reviews are positive against 27% of UPCIC Mobile's, so the app with the better star average is not the one people write more warmly about.
Auto ships an update every 5 weeks, UPCIC Mobile every 2 months. The most recent releases landed on November 6, 2026 and November 7, 2026 respectively.
| Parameter | Auto | UPCIC Mobile |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (6.8K ratings) — better | 4.5 (9.2K ratings) |
| Positive reviews | 25.0% of reviews | 27.1% of reviews — better |
| Number of ratings | 6.8K | 9.2K — better |
| Update frequency | Every 5 weeks — better | Every 2 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad | iPhone, iPad, iPod — better |
| Requires iOS | 16.0 | 15 — better |
| Further details — not scored | ||
| Size | 25 MB | 88 MB |
| Age rating | 4+ | 4+ |
| Developer | Auto-Owners Insurance | Universal Property & Casualty Insurance Company |
Customer experience
Auto
UPCIC Mobile
User reviews
Auto
From 6.8K App Store ratingsWhat we love
- 👍 Clean and intuitive user interface design
- 📋 Easy access to policy documents and information
- 💳 Convenient bill payment functionality
- 📱 Fingerprint/Face ID authentication available
- 🎯 Comprehensive policy management in one place
Room to improve
- 🐛 Persistent login failures and spinning loading screens
- ❌ Only displays auto policies, not all policy types
- ⚠️ Frequent app crashes and freezing
- 📱 Incompatible with older iOS versions and devices
- 🔄 Requires forced redirects to app from web browser
UPCIC Mobile
From 9.2K App Store ratingsWhat we love
- 👍 Easy to navigate
- 🚀 Responsive app
- 💡 Useful features like claim filing and payment
- 👍 Intuitive user experience
Room to improve
- 🐛 Frequent app crashes
- 🐛 Uploading issues with documents and photos
- 🐛 Inaccurate or outdated information
- 👎 Poor customer service
- 👎 Difficult to contact a human representative
Bugs and requests
Auto
Reported bugs
16 issues- Login page hangs indefinitely with spinning wheel
- App crashes immediately upon opening
- Password reset creates infinite loop
- Account creation fails with vague error messages
- iOS 14+ compatibility issues
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- iOS 18 sign-in completely broken
- App won't update or forces update that breaks functionality
- Claim status fails to update
- File upload errors when submitting documents
- Payment processing fails despite successful submission
- Autopay doesn't execute on scheduled dates
- VIN number not recognized when adding vehicles
- Proof of insurance doesn't update after payment
- Offline detection shows false positives
- Agency changes require manual policy deletion/re-addition
- App requires reinstall to function after updates
Requested features
12 requests- Print and export PDF functionality
- Save documents to files or cloud storage
- Apple Wallet integration for insurance cards
- Dark mode option
- Support for all policy types (home, boat, etc.)
Show 7 moreShow fewer
- Ability to hide or organize cancelled policies
- Password manager compatibility (1Password, iCloud Keychain)
- iPad auto-rotate support
- Agent-specific app
- Better password reset and account recovery flow
- Update autopay settings within app
- Add new vehicles functionality improvement
UPCIC Mobile
Reported bugs
4 issues- App not recognizing account information
- Unable to delete or archive payment reminders
- Claim details not visible after submission
- Inconsistent app behavior after updates
Requested features
4 requests- Add option to pay full annual premium
- Implement recurring payment option
- Improve in-app payment functionality
- Allow users to update personal information
In-app purchases
Auto
No in-app purchases
UPCIC Mobile
No in-app purchases
Questions
Is Auto free?
Is UPCIC Mobile free?
Which has better reviews, Auto or UPCIC Mobile?
Do Auto or UPCIC Mobile have ads?
Which is updated more often, Auto or UPCIC Mobile?
Other comparisons
