Kemper Direct Auto Insurance Review for 2024 [See Ratings & Cost Here!]

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.

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

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

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.

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.”

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?”

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.

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?”

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.

Comment
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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.