Kaiser Permanente Auto Insurance Review (2021)

Kaiser Permanente auto insurance reviews aren't available because they are a health insurance company. Kaiser Permanente Insurance offers health insurance plans in eight states and D.C. Kaiser Permanente health insurance is an HMO that may cover some car accident injuries. There's no such thing as Kaiser Permanente car insurance, but you can compare car insurance quotes for free right now.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 11, 2021

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Company Details
Address: 300 Lakeside Drive, 26th Floor
City: Oakland
State: California
ZIP Code: 94612
Phone Number: 510-271-2343
Year Founded: 1945
AM Best Rating: N/A
Company Rating 0 (0 reviews)

Things to remember...

  • The Kaiser Permanente insurance company has operated mainly as a health and life insurance company since the early 1930s.
  • Kaiser Permanente has local offices operating in eight states plus the District of Columbia.
  • In 2019, Kaiser Permanente had a complaint ratio for group health insurance higher than the national average.

Bundling your health and auto insurance under the umbrella of one insurance company can save you both time and money. However, it’s not always easy to find out if a larger life and health insurance company like Kaiser Permanente offers types of car insurance discounts.

So, how do you find the answers to questions like: How do I get Kaiser Permanente? Is Kaiser Permanente auto insurance an available coverage plan? How do I purchase affordable Kaiser Permanente auto insurance?

And If so, how much is Kaiser Permanente insurance after said discounts? We have done the research and will provide you with all the answers to your Kaiser Permanente car insurance questions.

If you’re interested in seeing detailed auto quotes from multiple insurance companies right now, then try out our free online quote option before jumping into this Kaiser Permanente auto insurance review. All you have to do is type in your ZIP code.

Does Kaiser Permanente sell auto insurance?

Before we get to questions about auto insurance, let’s find out what type of insurance is Kaiser Permanente. And on average, how much is insurance for Kaiser?

Kaiser Permanente insurance has operated mainly as a health and life insurance company since the early 1930s.

According to a 2018 report from the Kaiser Family Foundation (KFF), the average rate for individual healthcare coverage was $575/mo topping out at $6,896/yr while the average rate for family coverage was closer to $1,635/mo or $19,616/yr.

Does a Kaiser Permanente coverage auto insurance policy exist? And are Kaiser Permanente employee auto insurance discounts given for those policies?

That would be a definite no for both questions. The company shows no signs of expanding into the auto market to offer various types of vehicle insurance.

Unfortunately, Kaiser Permanente auto discounts for bundling insurance types is not an option for employees nor for current or future policyholders.

It is important to note that obviously any health-related injuries that occurred as a result of an auto accident may be covered under a Kaiser Permanente health insurance policy, so you could still benefit from their coverage.

What car insurance details are needed in an accident as opposed to health insurance details would be ironed out between the health and auto insurance companies. To be clear, though, Kaiser Permanente does not currently offer coverage to vehicles.

Since Kaiser Permanente does not sell auto insurance, we have provided you with the NAIC reported average auto insurance rates by each state in the table below.

Average Annual Comprehensive Auto Insurance Rates by State

StatesAverage Annual Comprehensive Auto Insurance
Rates
Oregon$89.66
Maine$96.66
California$99.29
Hawaii$100.09
New Hampshire$103.03
Washington$104.11
Utah$106.57
Florida$110.12
Idaho$110.78
Ohio$112.74
Delaware$113.23
Indiana$115.02
Nevada$116.79
Illinois$117.98
Vermont$118.31
Rhode Island$122.17
North Carolina$123.00
New Jersey$123.18
Connecticut$126.02
Wisconsin$126.34
Massachusetts$128.92
Virginia$129.89
Kentucky$130.15
Pennsylvania$132.01
Tennessee$135.62
Countrywide$138.87
Alaska$141.08
Alabama$146.28
Maryland$146.77
Michigan$147.02
Georgia$153.61
New York$156.66
Colorado$158.34
South Carolina$165.38
Missouri$166.34
New Mexico$166.89
Iowa$171.58
Minnesota$173.04
Arkansas$183.36
Arizona$184.20
Texas$186.70
Mississippi$194.74
West Virginia$195.04
Montana$199.87
Oklahoma$201.56
Nebraska$206.24
Louisiana$208.59
Wyoming$222.86
Kansas$225.34
North Dakota$227.64
South Dakota$228.59
District of Columbia$230.25
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We hope the information provided in the table above helps to give you a better understanding of what it will cost you to purchase comprehensive coverage from a third-party auto insurance company.

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So, does Kaiser Permanente cover auto accidents?

The short answer is no.

A car accident of any form would have to be insured through a separate company offering automotive policy coverage. 

Average Annual Auto Insurance Rates by Driving Record
CompaniesAverage Annual Rates With a Clean Driving RecordAverage Annual Rates With 1 AccidentAverage Annual Rates With 1 DUIAverage Annual Rates With 1 Speeding Violation
USAA$1,858.11$2,737.39$3,224.03$2,132.96
State Farm$2,561.35$2,934.63$3,462.47$2,561.35
GEICO$2,769.60$3,651.43$3,061.96$3,570.55
Nationwide$3,351.99$3,351.99$4,977.19$3,789.11
Progressive$4,066.74$5,258.36$4,753.00$4,581.27
Allstate$4,270.52$6,562.28$6,837.95$4,270.52
American Family$4,418.84$5,627.66$4,931.37$4,418.84
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Keep in mind that even a single-car accident can have an impact on your auto insurance rates, as this table shows:

Are There Kaiser Permanente Employee Discounts?

Kaiser Permanente auto insurance rates and discounts for employees are not available options since the insurance company continues to thrive at working only in the health and life insurance field.

The insurance company does extend discounts to policyholders and employees through health incentives that are not auto-related; for example, Kaiser Permanente does not pay for gym memberships but does offer it to clients at an extremely discounted rate.

More information on Kaiser Permanente employee discounts can be found online under the Kaiser Permanente careers section of the company website. According to GlassDoor, Kaiser Permanente jobs are a highly respected profession with a 4 out of 5-star employee satisfaction rating and a 70 percent approval rating for the CEO.

Satisfied employees generally lead to an increase in customer satisfaction which means more policyholders who are content with their level of coverage and customer service.

However, the rate of customer satisfaction is not represented in the National Association of Insurance Commissioners (NAIC) recent complaint index report.

For health insurance, Kaiser Permanente (NAIC# 60053) had a drastically higher complaint ratio for group health insurance at 2.33 for 2019, well above the national average. The group health insurance complaint index score for 2018 had been much lower at 0.35, below the national average.

Where is Kaiser Permanente located?

The Kaiser Permanente insurance address for its corporate headquarters is located at 1 Kaiser Plz, Oakland, CA 94612.

What states have Kaiser Permanente? Since the health insurance company is one of the largest in the nation, Kaiser Permanente has local offices operating in eight states (Hawaii, Washington, Oregon, California, Colorado, Maryland, Virginia, Georgia) and the District of Columbia (Washington DC).

You can use the Kaiser Permanente near me search option online from the company’s website to find the closest office, or you can call the customer service hotline at Kaiser Permanente Insurance’s phone number 1-800-788-0710 Monday through Friday 7 a.m. to 7 p.m. for more Kaiser Permanente insurance information and local offices in your region of the country.

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Does Kaiser Permanente have agents?

As one of the first points of contact for policyholders, Kaiser Permanente has agents or brokers on the local level who can answer questions, offer more detailed quotes, and help explain the particulars of a plan.

Your local broker will have answers to questions as basic as what Kaiser Permanente is, as well as more detailed ones like how Kaiser Permanente can work for you in the event of a health crisis.

How do I file a claim with Kaiser Permanente?

Like the majority of modern-day insurance companies, Kaiser Permanente has moved the majority of its operation and customer service to the digital online world. The majority of all medical and life insurance claims should be filed online.

Although Kaiser Permanente’s online services have taken over as the primary method of filing claims for health and life insurance plans, the company does encourage policyholders to contact Kaiser Permanente customer service line at 1-888-901-4636 to review plan details.

Medical service claims can also be mailed to the following address:

  • Claims Processing
    Kaiser Permanente
    P.O. Box 30766
    Salt Lake City, UT 84130

So, how do I get reimbursed from Kaiser if the entire process is online?

After accessing your account through the Kaiser Permanente login portal, policyholders can file claims as well as check up on the status of filed claims.

Reimbursement requests must be received within 12 months from the date of service and processing can take up to four to six weeks for all medical claims.

Repayment options can also be further discussed with your local broker.

How Do You Cancel Kaiser Permanente Insurance?

If you are unhappy with your Kaiser Permanente insurance plan or want to switch insurance companies, policyholders are urged to contact their local brokers directly in order to cancel their health and life insurance plans.

Policyholders can also call the member services phone number for cancellation options. Numbers for local listings can be found online at the Kaiser Permanente website.

In either instance for cancellation, members are encouraged to make contact at least one month before the date they want to cancel.

Since there is no Kaiser Permanente auto insurance, those still interested in finding auto coverage should try out our free online quote option. Type in your ZIP code and within moments you’ll receive detailed quotes from multiple auto insurance companies in your area.

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How do I get a quote from Kaiser Permanente?

Kaiser Permanente has online quote options available on its website where potential policyholders can not only receive estimates but also apply for coverage.

What Is The Bottom Line?

According to the 2018 U.S. Census Bureau reports, close to 70% of the population is covered by private insurance and over 30% is covered by the public.

Kaiser Permanente works in both the private and public sectors since it is one of the largest health and life insurance companies in the nation.

The company currently serves over 12.4 million members, but Kaiser Permanente does not currently offer auto insurance coverage.

Now that you’ve finished this Kaiser Permanente auto insurance review, are you still interested in finding affordable auto insurance coverage near you? Try out our free online quote option. You simply type in your ZIP code, and we will guide you through the process.

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Do You Have More Questions About Kaiser Permanente Auto Insurance?

Does Kaiser Permanente have coverage for auto insurance? Now you know. For any unanswered questions, look at our list below.

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#1 – Does Kaiser Permanente pay for gym memberships?

Kaiser Permanente does not pay for gym memberships, but it does offer health incentives through discounted rates at participating gyms as well as employee-based reimbursement payouts for working out.

#2 – Does Kaiser Permanente offer health and auto insurance discounts?

No. Kaiser Permanente does not offer auto insurance nor is it partnered with a third-party auto insurance company, so there are no bundling discount options to add to an existing health or life insurance plan.

#3 – Does Kaiser Permanente cover auto accidents?

The short answer is no. Kaiser Permanente will not cover any automobile accidents; however, there may be some overlap with health insurance policies covering injuries resulting from a car accident.

In these cases, the auto insurance company of either driver usually covers the cost of any injuries under its liability policy.

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