Kemper Direct Auto Insurance Review for 2024 [See Ratings & Cost Here!]
Kemper Direct auto insurance, formerly known as Unitrin Direct, offers minimum coverage starting at $53 per month, making it a top choice for affordable auto protection. In this Kemper Direct auto insurance review, explore how their iMingle program provides exclusive group discounts, offering savings for drivers.
Read moreChris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
Licensed Insurance Agent
UPDATED: Nov 1, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 1, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Kemper Direct Auto Insurance
Average Monthly Rate For Good Drivers
$53A.M. Best Rating:
A-Complaint Level:
LowPros
- Offers a wide range of coverage options
- Includes group auto insurance plans
- Provides pay-deducted premium benefits
- 24/7 claims reporting and support
Cons
- Poor customer service reported in reviews
- Does not publicly list auto insurance rates
- Complaints about unauthorized policy renewals
- Unitrin Direct services its customers through the internet, and its 25 offices spread about the country.
- The Kemper name was formally a registered name of Lumbermen’s Mutual Group.
- The Unitrin Direct Specialty division is headquartered in Dallas with branches in Woodland Hills, CA and Salem, OR.
This Kemper Direct auto insurance review showcases its iMingle program, which offers significant savings through exclusive group discounts.
Kemper specializes in serving high-risk drivers and provides nationwide claims support. Its policyholders enjoy 24/7 customer service and an easy claims process.
Discover how Kemper’s specialized programs stand out in this detailed review. Get detailed insights in our guide, “How to Evaluate Auto Insurance Quotes.”
Kemper Direct Auto Insurance Rating
Rating Criteria | |
---|---|
Overall Score | 3.6 |
Business Reviews | 3.0 |
Claim Processing | 3.4 |
Company Reputation | 4.0 |
Coverage Availability | 4.0 |
Coverage Value | 3.2 |
Customer Satisfaction | 2.5 |
Digital Experience | 4.0 |
Discounts Available | 5.0 |
Insurance Cost | 4.0 |
Plan Personalization | 4.0 |
Policy Options | 2.5 |
Savings Potential | 4.3 |
Ready to compare your current Kemper Direct auto insurance rates with quotes from other top companies? Get instant and affordable auto insurance quotes from top auto insurance companies anytime by entering your ZIP code above.
- Kemper Direct auto insurance holds a 3.6 insurance rating
- Exclusive iMingle program offers valuable group discounts
- 24/7 claims support ensures reliable service for policyholders
What You Should Know About Kemper Direct
Kemper Direct Insurance, also known as Unitrin Direct Insurance Company or Untrin Auto & Home Insurance Co, was discovered under the direction of CEO and company president Donald Southwell of Unitrin, Inc., and Timothy Bruns, Vice President of Unitrin Direct in the year 2000.
Who owns Kemper Insurance Company? Unitrin purchased the Kemper name in 2010 and now solely operates under it. Although this is the date of its formal inception, the company combines over 80 years of experience under its two headquarters and offices in Vista, CA, Scranton and Plymouth, PA, Meridan, CT; and Tampa, FL.
The Kemper Insurance Company services its customers online and through its 25 offices throughout the country. This business conglomerate has over 6 million policyholders and over 9 billion company assets. According to A.M. Best, Kemper Direct has an “A-, “which means the company is stable and has a superior ability to meet customer obligations.
Learn more by checking out our guide: Best Comprehensive Auto Insurance Companies
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Kemper Direct Insurance Rates Breakdown
Since Unitrin Direct is a subsidiary of Kemper Direct, it will be available in all the areas where Kemper Direct conducts business.
Kemper Direct is in the top 25 auto insurance companies in the auto insurance industry.
Are you looking for Unitrin Specialty insurance quotes? Unitrin Direct and Kemper Direct don’t post much about their auto insurance premiums because they want potential customers to get personalized quotes.
However, we can show you the average auto insurance cost by coverage rate. Remember that these rates will change based on the company you’re with, the vehicle you drive, where you live, how old you are, your driving record, and your credit score. Let’s look at the average insurance cost based on the latest National Association of Insurance Commissioners (NAIC) research.
Kemper Direct Auto Insurance Monthly Rates by Coverage Type
Coverage | |
---|---|
Collision | $27 |
Comprehensive | $12 |
Full Coverage | $86 |
Liability | $46 |
Medical Payments | $40 |
Personal Injury Protection | $35 |
Uninsured/Underinsured Motorist Coverage | $30 |
The base auto insurance rates are affordable. However, your quote will increase when auto insurance companies start factoring in different parts to determine rates.
Kemper Direct Auto Insurance Rate Differences
This table highlights Kemper Direct auto insurance rates, showing how factors like age and gender impact costs for minimum and full coverage. Understanding these differences helps drivers choose the best coverage for their needs and budget.
Kemper Direct Auto Insurance Monthly Rates by Coverage Level, Age, & Gender
Age & Gender | Minimum Coverage | Full Coverage |
---|---|---|
Age: 16 Female | $250 | $400 |
Age: 16 Male | $275 | $450 |
Age: 18 Female | $220 | $360 |
Age: 18 Male | $240 | $410 |
Age: 25 Female | $150 | $250 |
Age: 25 Male | $165 | $280 |
Age: 30 Female | $130 | $200 |
Age: 30 Male | $140 | $220 |
Age: 45 Female | $120 | $180 |
Age: 45 Male | $53 | $107 |
Age: 60 Female | $100 | $160 |
Age: 60 Male | $110 | $170 |
Age: 65 Female | $105 | $165 |
Age: 65 Male | $115 | $175 |
The table displays the monthly premiums based on age and gender, with younger drivers facing significantly higher rates. For example, a 16-year-old male pays $450 for full coverage, while a 45-year-old male only pays $107. Female drivers generally enjoy slightly lower rates, with a 16-year-old female paying $400 for full coverage.
As drivers age, male and female rates decrease, with 30-year-olds and 45-year-olds benefiting from the lowest costs. These variations underline the importance of considering age and gender when evaluating your premium options with Kemper Direct.
This table breaks down Kemper Direct auto insurance monthly rates based on driving histories. The rates vary significantly depending on driving records, showing how specific incidents can impact premiums. Get detailed insights in our guide, “When to Buy More Than Minimum Auto Insurance.”
Kemper Direct Discounts Available
Discounts are crucial to Kemper Direct policyholders, and Kemper recognizes this need. Although the company claims that new policyholders save approximately $574 per year compared to other major carriers, additional auto insurance discounts may be available. Some of those savings worth mentioning include:
- Advanced Premium Payments
- Larger Deductibles
- Safe Driver Discounts
- Club and Organization Discounts (i.e., AARP)
- Multiple Car Discounts
Kemper agents will help you personalize your policy to identify every savings you deserve. Existing policyholders can also make changes to their policy at any time. And you won’t know your savings with any of the best auto insurance companies unless you get quotes and ask about those discounts.
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Kemper Direct Auto Insurance Underwriters
Kemper underwrites its policies through Kemper Direct Property and Casualty Company, Home State Mutual Insurance Company, and Kemper Direct Insurance Companies. Its subsidiaries and affiliates are under numerous names and include:
- Warner Insurance
- Valley Insurance
- Valley Property and Casualty
- Trinity Universal Insurance
- Mutual Savings Fire
- National Merit
- Alpha Property and Casualty
- Charter Indemnity
- Financial Indemnity
There are many under the various Kemper and Response Insurance names. The company recently purchased Kemper Insurance Company in 2002. See more details in our guide, “Factors That Affect Auto Insurance Rates.”
Drivers with a clean record can secure full coverage for as low as $107 per month.”Dani Best Licensed Insurance Producer
The Kemper name was formerly a registered name of Lumbermen’s Mutual Group. In 2007, Trinity Universal purchased the Merastar Insurance Company to expand its services.
The Kemper Direct Marketing Concept
The company also recently revamped its marketing concept by merging the importance of customer service and technology in today’s insurance industry. They identify this new concept as “iMingle.” Kemper Direct recognized the needs of the new generation of policyholders and implemented this service idea in November 2010.
Personal insurance is offered through a volunteer employer-sponsored benefit program.
The idea is to make insurance available directly to the public. Kemper Direct is licensed in 48 states to offer policies on the company website or through the call center (For more information, read our “Auto Insurance Companies With the Best Customer Service“).
Kemper Direct Preferred Insurance
The Merastar acquisition allows Kemper Direct to capitalize on the group auto insurance market. Megastar has provided this auto insurance group coverage for over 30 years. Under the Kemper Direct name, it continues to provide Merastar’s elite group expertise. Every group representative is a licensed agent qualified to do business according to your company’s standards.
It’s Child Passenger Safety Week!
A great time to share a reminder that your child should be using a car or booster seat appropriate for their age, height and weight.
Visit https://t.co/3ZFt8f0xbD to help find #TheRightSeat for your child. pic.twitter.com/NDBT7yE03l
— Kemper (@KemperInsurance) September 17, 2024
Your employees may take advantage of the benefits associated with pay-deducted premiums. The volunteer employer-sponsored benefits program allows them to make payments painlessly and quickly through payroll deductions.
They can go to your company website and link to Kemper Direct to manage their accounts and track auto insurance claims.
This service is free to you, the employer. It is a good plan for attracting recruits to your company. Deductions are scheduled around your payroll dates and coordinated with your administrator. Find more information in our complete guide, “What is a good deductible for auto insurance?”
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Kemper Direct Specialty Division
The Kemper Direct Specialty division is headquartered in Dallas and has branches in Woodland Hills, CA, and Salem, OR. This team of experts combines over 60 years of experience. Any of the 8,500 independent brokers and agents of the company in 23 states may provide service if you own an antique, classic car, muscle car, limousine fleet, or any other vehicle that qualifies for specialty coverage.
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Kemper Auto Insurance Claims Processing
Claims processing is the backbone of the Kemper company and its affiliates. Therefore, if you file a claim, you can rest assured that Kemper car insurance will provide you or your company with the necessary resources to make submission easy.
As the leaves begin to change and temperatures start to drop, it’s time to make sure your car is ready for fall! Here are 4 quick tips to keep you safe on the road this season: pic.twitter.com/ac8Vf6nSKB
— Kemper (@KemperInsurance) September 10, 2024
You can report claims around the clock for your convenience. Representatives with the Kemper auto and home insurance company are standing by to take the pertinent information necessary to process your claim quickly. When you call to report an accident, have a windshield repaired, or damage to your parked vehicle, you will need the following information:
- Date of the Incident
- Location of the Incident
- People Involved
- Vehicles Involved
- Any Injuries
Complete details are essential to the initial submission process. This will prepare the agent to offer guidance from that point on. You will be given information on the company’s Gold Standard Repair Program if Kemper Direct Auto car insurance is to pay for the repairs. This can also be done on the Kemper website with a zip code. They will locate a shop within a 25-mile radius of your home or office.
Kemper Direct Career Opportunities
This outfit continuously seeks new agents and other dedicated professionals to help improve Kemper Insurance Co’s services. With $9 billion in assets, qualified individuals are bound to find a good fit. Some of the benefits this company offers its employees are:
- Eight Holidays Yearly
- 401K Plans
- Pension Plans
- A Choice of Two Dental Plans
- Vision Coverage
- Flexible Spending Accounts
- Education Reimbursement
All employees have an opportunity for growth. The company claims to hire without discrimination against any of the protected groups of people. Learn more in our complete guide, “Does your job affect auto insurance rates?”
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Kemper Direct Customer Reviews
Many reported customer Kemper Direct auto reviews are horror stories from people who are former and current policyholders. One customer said he could not cancel an auto insurance policy his ex-wife established when they divorced.
Another claimed they signed up for a six-month single payment policy, and the company renewed it without permission.
Many Kemper Direct insurance reviews are from individuals involved in auto accidents with Kemper policyholders. Some Kemper Direct complaints say the company refused to pay Kemper insurance claims for various reasons.
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Many Kemper Direct auto insurance complaints mention poor customer service they received when they finally made contact with a natural person. Satisfied customers’ Kemper Direct auto insurance reviews are sprinkled in these comments lists.
Kemper Direct Insurance Business Ratings & Consumer Reviews
Agency | |
---|---|
Score: 795 / 1,000 Avg. Satisfaction |
|
Score: A Good Business Practices |
|
Score: 68/100 Mixed Customer Feedback |
|
Score: 1.10 Avg. Complaints |
|
Score: A++ Superior Financial Strength |
Kemper Auto Insurance has made its mark in the competitive world of auto insurance, earning strong business ratings while drawing mixed consumer reactions. As the company continues to grow, it balances financial stability with evolving customer needs, offering a blend of strengths and areas for improvement.
Are you looking to buy Kemper Direct car insurance? You can find great auto insurance rates from top providers in your area now— enter your ZIP code into our free quote tool below to compare your Kemper insurance company quote to competitors near you.
Frequently Asked Questions
What services does Kemper insurance offer?
Kemper insurance provides a wide range of coverage options, including auto, home, and life insurance to meet various policyholder needs. Find out more in our guide titled, “How to Get a Homeowners Auto Insurance Discount.”
What makes Kemper auto insurance a good choice?
Kemper auto insurance is known for offering flexible coverage options and programs like iMingle, which provide group discounts for added savings.
How does Kemper direct auto insurance benefit drivers?
Kemper direct auto insurance offers exclusive savings through the iMingle program and competitive monthly rates, especially for drivers with a clean record. Enter your ZIP code below to find the most affordable quotes in your area.
What is Kemper auto and home insurance company known for?
Kemper auto & home insurance company provides comprehensive protection for both auto and home, allowing policyholders to bundle coverage for discounts.
How do I get Kemper car insurance?
You can obtain Kemper Direct car insurance by getting a quote online or contacting their call center to explore coverage options and discounts like iMingle. Read more in our article titled, “Where to Buy Auto Insurance Online.”
How do I get a Kemper insurance quote?
To get a Kemper insurance quote, simply visit their website or call their customer service center to receive personalized monthly rate estimates.
What is iMingle insurance and how does it work?
iMingle insurance is a program offered by Kemper that provides group discounts on auto insurance, helping policyholders save more on their monthly premiums.
What does Kemper safeguard insurance company offer?
Kemper safeguard insurance company specializes in providing tailored auto coverage options for high-risk drivers and those seeking additional protection.
What is Kemper 25?
Kemper 25 refers to the company’s tiered insurance program that provides a discount for policyholders who have maintained continuous coverage for 25 years. Uncover insights in our guide, “How to Buy Auto Insurance Online Instantly.”
How can I contact the Kemper direct auto protection call center?
To reach the Kemper direct auto protection call center, simply call their customer service number for assistance with claims, policy questions, or quotes.
Is Kemper Direct auto legit?
Kemper Direct auto insurance is a legitimate option, offering affordable rates and specialized discounts for drivers through programs like iMingle.
Is Kemper insurance good?
Kemper insurance is highly rated for its coverage options, especially for high-risk drivers, and its iMingle program provides additional savings.
What is the Kemper auto insurance grace period?
The Kemper auto insurance grace period typically ranges from 10 to 30 days, depending on the specific policy and state laws. Access in-depth insights in our guide, “What to Do if You Can’t Pay Your Auto Insurance.”
What do Kemper home insurance reviews say?
Kemper home insurance reviews indicate strong coverage options, but feedback on claims processing and customer service can be mixed.
How are Kemper life insurance reviews?
Kemper life insurance reviews often commend the affordability of its policies, though some mention delays in the claims process. Stop overpaying for auto insurance. Enter your ZIP code below to find out if you can get a better deal.
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Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
lisal
Stay far away
deniser89
Negligent Company
Moni_R
Horrible insurance
Josh_P
Kemper auto insurance is a scam
Josh Pico
Kemper Corporation review
Karla_
Too expensive!
Moquendo_
This company is not trustworthy! Look for another insurance
sergeche
the worst insurance ever
Garrett_W
THE WORST INSURANCE COMPANY EVER - THEY WILL NOT HELP YOU
MsKendall
Worst Customer Service