Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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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 exis...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Aug 11, 2020

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Company Details
Address: 12926 Gran Bay Parkway West
City: Jacksonville
State: FL
ZIP Code: 32258
Phone Number: (877) 252-7878
Website: http://www.kemper.com/
Year Founded: 1990
AM Best Rating: A- (Excellent)
Company Rating 0 (0 reviews)

Things to know...

  • Even small companies like Financial Indemnity Auto Insurance (review below) offer collision and comprehensive coverage
  • Financial Indemnity underwrites for Kemper
  • Homeowners with a Financial Indemnity or Kemper auto insurance policy can receive a discount

Financial Indemnity Insurance has an excellent financial rating, but can you save money with them? You don’t have time to research every company in detail, and Financial Indemnity Company reviews can be hard to find. We’ve got everything you need to know about Financial Idemnity auto insurance.

Read this review on what savings are available, as well as what coverage they offer and how to make a claim.

Compare the auto insurance quotes from some of the best auto insurance insurance companies right now by entering your ZIP code in the free comparison tool above.

Table of Contents

Cheap Financial Indemnity Auto Insurance Rates

Financial Indemnity doesn’t have any auto insurance rates that you view publically. Small and even medium-sized auto insurance companies are don’t show general auto insurance rates.

Auto insurance agents in your area or any other location would rather give a quote than a personal insurance quote. A personal insurance quote is an estimate of auto insurance costs using your personal information to generate the cost of insurance.

In the next sub-section, we will give you an auto insurance average for monthly costs in every state. These rates are based on the average cost of auto insurance.

What is Financial Indemnity availability by state?

Small companies like Financial Indemnity have limited availability in-person and online. Financial Indemnity auto insurance serves in 23 states, but it isn’t clear whether they have independent brokers across the nation.

It’s best to cover all of our bases. Therefore, we’re going to provide the average annual rate of all 50 states in the data summary.

Average Annual Auto Insurance Rates by State
StatesAverage Annual Auto Insurance Rates
Virginia$2,358
Hawaii$2,556
West Virginia$2,595
Massachusetts$2,679
Ohio$2,710
Maine$2,953
Idaho$2,979
Iowa$2,981
Washington$3,059
New Hampshire$3,152
Wyoming$3,200
Montana$3,221
Vermont$3,234
Kansas$3,280
Nebraska$3,284
Illinois$3,305
Missouri$3,329
North Carolina$3,393
Indiana$3,415
Alaska$3,422
New Mexico$3,464
Oregon$3,468
Alabama$3,567
Wisconsin$3,606
Utah$3,612
Tennessee$3,661
Median$3,661
Mississippi$3,665
California$3,689
Arizona$3,771
South Carolina$3,781
Colorado$3,876
South Dakota$3,982
Pennsylvania$4,035
Texas$4,043
Arkansas$4,125
Oklahoma$4,142
North Dakota$4,166
New York$4,290
Minnesota$4,403
District of Columbia$4,439
Maryland$4,583
Connecticut$4,619
Florida$4,680
Nevada$4,862
Georgia$4,967
Rhode Island$5,003
Kentucky$5,195
New Jersey$5,515
Louisiana$5,711
Delaware$5,986
Michigan$10,499
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Don’t let the wording confuse you. Rates and premiums are essentially the same. The rates displayed in the table are a composite of average annual rates from auto insurance companies in each state.

See how the average annual rates are cheaper in some states and more expensive in others. Depending on your income, auto insurance can be expensive.

Let’s look at another data table that describes how auto insurance affects the annual income of the average person in each state.

Average Annual Auto Insurance Rates as a Percent of Income by State
StatesAverage Annual RatesAverage Annual IncomeInsurance as a Percentage of Income
Virginia$2,358$65,7303.59%
Hawaii$2,556$69,2873.69%
West Virginia$2,595$63,3434.10%
Massachusetts$2,679$72,0603.72%
Ohio$2,710$61,9874.37%
Maine$2,953$60,6644.87%
Idaho$2,979$58,1575.12%
Iowa$2,981$66,3144.50%
Washington$3,059$71,5814.27%
New Hampshire$3,152$63,3094.98%
Wyoming$3,200$66,3144.83%
Montana$3,221$66,3144.86%
Vermont$3,234$64,9014.98%
Kansas$3,280$60,9105.38%
Nebraska$3,284$70,1224.68%
Illinois$3,305$61,1635.40%
Missouri$3,329$57,4355.80%
North Carolina$3,393$65,7665.16%
Indiana$3,415$60,0335.69%
Alaska$3,422$58,1525.88%
New Mexico$3,464$72,7714.76%
Oregon$3,468$62,2595.57%
Alabama$3,567$66,3145.38%
Wisconsin$3,606$61,7835.84%
Utah$3,612$61,4885.87%
Tennessee$3,661$62,3555.87%
Mississippi$3,665$57,3986.38%
California$3,689$65,2695.65%
Arizona$3,771$58,5016.45%
South Carolina$3,781$62,6326.04%
Colorado$3,876$62,2756.22%
South Dakota$3,982$63,4486.28%
Pennsylvania$4,035$62,9086.41%
Texas$4,043$58,6966.89%
Arkansas$4,125$62,4236.61%
Oklahoma$4,142$61,0906.78%
North Dakota$4,166$66,3146.28%
New York$4,290$66,3146.47%
Minnesota$4,403$62,5597.04%
Maryland$4,583$66,8046.86%
Connecticut$4,619$66,7286.92%
Florida$4,680$56,0468.35%
Nevada$4,862$53,4599.09%
Georgia$4,967$59,4248.36%
Rhode Island$5,003$65,5127.64%
Kentucky$5,195$63,4778.18%
New Jersey$5,515$58,6279.41%
Louisiana$5,711$60,7199.41%
Delaware$5,986$62,3319.60%
Michigan$10,499$58,25318.02%
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A motorist earning the average annual income will pay a small percentage of their income per year. The largest auto insurance, as a percent of income, is in the state of Michigan.

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Financial Indemnity Auto Insurance Coverages Offered

Since Financial Indemnity underwrites for Kemper, all available coverages that Kemper has will likely be available for customers who received their auto insurance policies from Financial Indemnity.

Kemper’s auto insurance webpage doesn’t specifically list auto insurance coverage. However, every auto insurance carries basic auto insurance coverage, such as liability, collision, and comprehensive coverage.

Liability coverage is the minimum requirement for auto insurance in each state in the U.S. Every state has its liability coverage limits and requirements.

The Insurance Information Institute provides a list of minimum liability requirements by state, which we’ve summarized for you in a data table.

Minimum Auto Insurance Liability Requirements by State
StatesCoverage TypesCoverage Limits
ALBI & PD Liab25/50/25
AKBI & PD Liab50/100/25
AZBI & PD Liab15/30/10
ARBI & PD Liab, PIP25/50/25
CABI & PD Liab15/30/5
COBI & PD Liab25/50/15
CTBI & PD Liab, UM, UIM25/50/20
DEBI & PD Liab, PIP25/50/10
DCBI & PD Liab, UM25/50/10
FLPD Liab, PIP10/20/10
GABI & PD Liab25/50/25
HIBI & PD Liab, PIP20/40/10
IDBI & PD Liab25/50/15
ILBI & PD Liab, UM, UIM25/50/20
INBI & PD Liab25/50/25
IABI & PD Liab20/40/15
KSBI & PD Liab, PIP25/50/25
KYBI & PD Liab, PIP, UM, UIM25/50/25
LABI & PD Liab15/30/25
MEBI & PD Liab, UM, UIM, Medpay50/100/25
MDBI & PD Liab, PIP, UM, UIM30/60/15
MABI & PD Liab, PIP20/40/5
MIBI & PD Liab, PIP20/40/10
MNBI & PD Liab, PIP, UM, UIM30/60/10
MSBI & PD Liab25/50/25
MOBI & PD Liab, UM25/50/25
MTBI & PD Liab25/50/20
NEBI & PD Liab, UM, UIM25/50/25
NVBI & PD Liab25/50/20
NHFR only25/50/25
NJBI & PD Liab, PIP, UM, UIM15/30/5
NMBI & PD Liab25/50/10
NYBI & PD Liab, PIP, UM, UIM25/50/10
NCBI & PD Liab, UM, UIM30/60/25
NDBI & PD Liab, PIP, UM, UIM25/50/25
OHBI & PD Liab25/50/25
OKBI & PD Liab25/50/25
ORBI & PD Liab, PIP, UM, UIM25/50/20
PABI & PD Liab, PIP15/30/5
RIBI & PD Liab25/50/25
SCBI & PD Liab, UM, UIM25/50/25
SDBI & PD Liab, UM, UIM25/50/25
TNBI & PD Liab25/50/15
TXBI & PD Liab, PIP30/60/25
UTBI & PD Liab, PIP25/65/15
VTBI & PD Liab, UM, UIM25/50/10
VABI & PD Liab, UM, UIM25/50/20
WABI & PD Liab25/50/10
WVBI & PD Liab, UM, UIM25/50/25
WIBI & PD Liab, UM, Medpay25/50/10
WYBI & PD Liab25/50/20
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States like Texas require PIP and Med Pay. These items in liability coverage are known as additional liabilities. PIP and Med Pay are automatically placed in liability coverage with no extra cost if the state you live in requires it.

PIP stands for Personal Injury Protection, and Med Pay stands for Medical Payments.

Liability covers bodily injury and property damage to the other driver. How liability covers overall loss depends on the state.

Watch this video on the basics of liability coverage.

Even small companies like Financial Indemnity carry collision and comprehensive coverage. Financial Indemnity is currently based in Dallas, Texas. Therefore, Financial Indemnity would follow the insurance law of Texas

In addition to the likelihood of motorists purchasing a vehicle, Dallas has one biggest motorist population in the U.S. Therefore, collision and comprehensive auto insurance coverages are highly recommended.

Kemper does offer Guaranteed Auto Protection (GAP). GAP insurance is protection if your vehicle damage is determined to be a total loss.

Financial indemnity’s roadside assistance is under Kemper, also. This will help when you need to tow your car to an auto repair shop or if your battery needs a jump.

What are Financial Indemnity’s bundling options?

Does bundling Financial Indemnity auto insurance with other insurance services really save money? First, let’s watch a video on the pros and cons of bundling auto insurance with other insurance services.

Bundling your Financial Indemnity auto insurance policy can save you some money, but it won’t hurt to shop around for rates for other insurance services such as home, boat, or business insurance.

What are discounts offered by Financial Indemnity?

Can you get a discount from Financial Indemnity auto insurance? Financial Indemnity will have discounts available from their parent company, Kemper. Kemper lists its auto insurance discounts which are:

  • Anti-theft Devices
  • Away at School
  • Driver Training Course
  • Good Student
  • Multiple coverages
  • Package
  • Passive Restraint or Passenger Airbags

Kemper’s auto insurance also provides discounts for those who enroll in text alerts known as Kemper EZPay℠ Text Cancel Alerts.

Kemper EZPay℠ Text Cancel Alerts notify you when your policy about to be canceled for nonpayment.

Here are some other Kemper auto insurance discounts that will help you save money:

  • Paid in Full discount
  • Prior Insurance discount
  • Residence discount
  • Multi-car discount

The paid-in-full discount is applied when you have paid the balance in full at the start of the auto insurance policy period.

The prior insurance discount happens when you continue to keep your current Financial Indemnity auto insurance or Kemper auto insurance policy active.

Homeowners with a Financial Indemnity or Kemper auto insurance policy can receive a discount. If you need to insure multiple vehicles, lower your auto insurance rates by including multiple drivers and vehicles on your policy.

Compare auto insurance rates and discounts to other auto insurance companies in your area by entering your ZIP code in the free comparison tool below.

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What programs are available from Financial Indemnity?

Financial Indemnity doesn’t have any specific programs, but their parent company, Kemper Corporation does. One of the most notable community programs at Kemper is the Kemper Cares program.

This program encourages Kemper employees to give back to their communities through donations and volunteer service.

Canceling Your Financial Indemnity Auto Insurance Policy

If you need to cancel your Financial Indemnity auto insurance policy, this guide will walk you through on what you need to do to pursue cancellation.

It’s never a good idea to stop payment on an auto insurance policy as a means to cancel. Follow the methods listed below to cancel your Financial Indemnity auto insurance.

Is there a Cancellation Fee?

You may have to pay a cancellation fee if you cancel your auto insurance in the middle of the policy. Policies may come with an agreement where the auto insurance company may lock you into a contract where you must finish the total cost of the policy.

Therefore, you may have to pay a fee or the remainder of the policy. Other auto insurance providers will not allow you to start an auto insurance policy with them until your previous policy with another company has been paid.

Can you get a refund when you cancel an auto insurance policy?

For customers who have paid in full at the start of their auto insurance policies, they may be entitled to a refund. How much you get from the refund is up to the terms and conditions you agreed to.

Before you cancel your auto insurance, ask Financial Indemnity agents how the auto insurance policy refund works after cancellation.

How do you cancel an auto insurance policy?

Financial Indemnity and Kemper auto insurance department doesn’t really specify how their customers can cancel their auto insurance policies. However, this video can explain the steps to take in order to cancel your auto insurance.

If you need to cancel your Financial Indemnity auto insurance, contact them toll-free at 1-800-777-4342.

When can I cancel my auto insurance policy?

As a consumer, you have the right to cancel your auto insurance policy whenever you want. However, canceling without notice or within a specific time, you may be penalized. Every state in the U.S. has different recommendations on when it’s appropriate to cancel an auto insurance policy.

When you contact your auto insurance company to cancel, set a specific date when you want to cancel your policy. Thirty to 60 days should be enough notice, but some notices can be as low as 15 days. Contact an agent and arrange a time that works best for you and the auto insurance provider.

How to Make a Financial Indemnity Auto Insurance Claim

Kemper has made it very easy to file an auto insurance claim. All Financial Indemnity auto insurance claims can be filed online or by phone.

When you file an auto insurance claim online, you will fill out a form with your policy information, personal information, vehicle information, and other related details about the accident. Submit the claim through Kemper’s website, and an agent will contact you about further details.

To make a claim immediately, contact Kemper agents right away at 1-888-252-2799. Kemper agents are available 24/7.

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How to Get a Financial Indemnity Auto Insurance Quote Online?

You can get Financial Indemnity auto insurance quotes online from Kemper’s insurance information center. Select which type of insurance you need and enter your ZIP code in the dialog box.

This section will take you through the steps to getting an online quote from Financial Indemnity’s parent company.

Step #1 – Enter your ZIP Code

Click on “Information Center” on Kemper’s navigation banner, and click on “Get A Quote.”

The “Get A Quote” link will take you to the webpage seen above. Enter your ZIP code and click submit to continue.

Step #2 – Enter your vehicle information.

Kemper will need to know how many vehicles you own or how many vehicles you plan to include in your auto insurance policy.

You can select the vehicle model year, make and model, or you can enter your vehicle’s VIN. Select “Next>>” when you’re ready to move on the next step.

Step #3 – What is your vehicle used for?

Auto insurance companies will issue auto insurance rates based on how much you use your vehicle. This step can explain what your vehicle for.

Personal/commute is everyday use, while pleasure is occasional driving. If your vehicle’s primary use is to get to and from work and other general commuting, your auto insurance may increase.

Continue to the next step to see how you can save money.

Step #4 – How many drivers do you want to insure?

This step will allow you to add the number of drivers to your policy. You can include up to six drivers on your policy.

Enter the driver’s personal information and whether you or someone else has been in an accident in the last three years. Click “Next>>” to continue.

Step #5 – Enter your residence information.

This step is important. The Kemper quote system will not allow you to move forward to the next step if an address or street name doesn’t exist.

Enter a valid address, e-mail, and how you heard about Kemper auto insurance. Click the next button to continue to the next step.

Step #6 – Are you currently insured?

Entering the last four digits to your Social Security Number (SSN) is optional. If you want to skip the first request, you can.

But you will have to answer whether you’ve been insured. Select the appropriate response from the drop-down menu and continue to the next step.

Step #7 – Create a Kemper insurance login to receive auto insurance discounts.

Before you get to the final page, you will have the opportunity to join the Kemper network by joining their site. This may require more information and more webpages to go through. At the top of the screen, you will see how much money will be deducted from the total amount of the auto insurance policy.

We want to get to the auto insurance quote. We chose “continue without discount.”

Step #8 – Receive your Kemper auto insurance quote.

Kemper’s personal auto insurance offers a 12-month auto insurance policy. Based on our sample quote, they require three quarterly payments throughout the year totaling $3,348.

You can save money through some of the available discounts. Look around the quote before you click the “Buy Auto Now.” Edit and get rid of coverages if you’re looking for specific coverages.

Financial Indemnity Auto Insurance Ratings

Financial Indemnity Company shares Kemper Corporation’s A.M Best rating, which is an “A-.” The “A-” is an excellent rating under A.M. Best standard. This means that Kemper and its associates have met the obligations to its customers.

However, Financial Indemnity’s Dallas, Texas location has been rated as B+ under the Better Business Bureau (BBB).

Financial Indemnity Company doesn’t have any more ratings listed, but Kemper seems to be in good financial standing. Despite their financial success, Kemper’s insurance reviews at the BBB are “A+,” but its customer review ratings are just one star.

Across the internet, Kemper auto insurance reviews have a decent rating from financial and credit rating agencies but have many consumer complaints.

Financial Indemnity Auto Insurance History

Financial Indemnity Company is an insurance company that was incorporated in December 1945. The company managed to earn assets totaling  $136,996,719, capital of $2.6 million, and a net surplus of $28,204,503.

Financial Indemnity underwrites for Kemper, which was formerly known as Unitrin.

By 1990, Financial Indemnity’s parent company, Unitrin, made strides to expand its organization through stocks.

In 2002, Unitrin bought rights for the homeowners and auto insurance lines of Kemper Insurance, which was an insurance company based in Chicago that provided insurance and financial services.

Unitrin finally purchased all rights to the Kemper in 2010. As of August 2011, it currently operates as the Kemper Corporation and trades on the New York Stock Exchange in addition to providing insurance.

How is Financial Indemnity’s online presence?

Financial Indemnity auto insurance underwrites for the Kemper Corporation. Any online management or information will be through the Kemper Corporation insurance website. Therefore, Financial Indemnity’s only online presence is through Kemper’s website.

Does Financial Indemnity have commercials?

Unfortunately, we could not find any commercials or any other TV campaigns from Financial Indemnity. Financial Indemnity may have produced a local Dallas television commercial, but there aren’t any commercials on the internet.

Is Financial Indemnity involved in the community?

Most auto insurance companies help their local community with donations to nonprofits and volunteering in communities in need. Financial Indemnity doesn’t have any information on whether it’s involved in nonprofit donations.

With such a complex history in insurance, it’s possible Financial Indemnity Company was involved somehow in community donations. Their parent company, Kemper Corporation, has a community-based support system.

Using their 150 offices across the U.S., Kemper uses its resources to make an impact in communities where its employees live and work. Local offices support nonprofit organizations through fundraising, donations, and volunteering.

What do Financial Indemnity employees have to say?

There isn’t any Financial Indemnity employee information on the internet. Websites like Glassdoor and Great Place to Work didn’t have any information on this small insurance company.

Kemper Corporation, however, has over 400 reviews on Glassdoor with an employee rating of 2.4 stars. About 31 percent of employees would recommend Kemper to a friend, while 41 percent approved of the CEO.

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Design of Financial Indemnity Auto Insurance Website

As we mentioned earlier, Financial Indemnity auto insurance can be accessed and managed on Kemper’s insurance website.

Like most websites designed in the last decade, Kemper’s site is responsive. This means that the website will fit the screen of any device. There are a lot of webpages, but the navigation banner makes it easy for you to find what you need.

Financial Indemnity: The Bottom Line

Financial Indemnity Company has been around for a while, but the company has probably merged with bigger companies to stay in business. It’s a commonplace in smaller insurance companies.

While Financial Indemnity underwrites insurance policies for Kemper, they maintain a strong financial standing even today. The auto insurance rates fall in the range of average annual rates.

However, the lack of information and poor consumer reviews at Kemper may have potential customers second guess whether they want auto insurance from either company.

Frequently Asked Questions: Financial Indemnity Auto Insurance

In this final section, we’ll answer questions that people also ask through search engines and in comment sections on our webpages. If you want to skip the questions and compare auto insurance rates from several companies, enter your ZIP Code in the free comparison tool below.

#1 – Is financial indemnity a definition in the dictionary?

Technically speaking, there’s no financial indemnity definition. “Financial indemnity” isn’t a definition, but “indemnity” is. In insurance, indemnity means an arrangement where a financial institution like an insurance provider agrees to pay its customer for any financial losses suffered as a result of bodily injury, property damage, theft, or loss of the client’s property. What is an indemnity fee? This could have several meanings but it doesn’t apply to auto insurance.

#2 – What is Unitrin Insurance?

Unitrin Mutual Insurance, Unitrin Mutual Insurance Company, and Unitrin Safeguard Insurance were company subsidiaries of Unitrin Direct, which is now known as Kemper. Unitrin became Kemper after it bought all rights to the Kemper name in 2010. All Unitrin employees are now on the Kemper insurance payroll.

#3 – How do I file a claim with Kemper Insurance for life insurance?

Kemper life insurance claims can be made on their website. Go to the Kemper website and scroll over the “Insurance Options.” Click on “Life and Health.” On the next webpage, scroll down until you see a button that says, “Go to Kemper Life.”

This takes you to Kemper’s life insurance website. On the navigation banner, click on “Contact.” When the website loads up, there will be a toll-free number you can call to reach an agent on how you can submit a Kemper life insurance claim. The toll-free number is 1-800-777-8467.

#4 – Can I manage my Kemper auto insurance online?

Yes. At the top right of Kemper’s website, click “Customer Login.” If you don’t have an account, you can register for one. You may need a policy before you can log-in. You can also use the Kemper Insurance app.

#5 – Is Kemper a good insurance company?

Kemper has a solid reputation, but what makes an insurance company a good fit depends on the person.

#6 – What is Kemper Specialty?

Kemper Specialty is the branch of Kemper licensed to sell auto insurance in California.