Ameriprise vs. Kemper Insurance

Which insurance carrier is right for you? Compare savings, insights, and quotes from Ameriprise and Kemper.

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Ameriprise vs. Kemper: What You Need to Know

Founder John Tappan founded Ameriprise Financial over 125 years ago, with a mission to help Americans achieve their goals. The company was originally called Investors Syndicate. Investing $5 each, he had 1,000 clients. By 1914 his assets reached $1 million. In 2005, Ameriprise Financial becomes an independent, publicly owned company and Ameriprise Financial renames American Express Property Casualty Insurance companies to Ameriprise Auto & Home Insurance and announces the RiverSource brand. The company enters the Fortune 500 at 297. In 2008, Ameriprise Financial acquires J.&W. Seligman and H&R Block Financial Advisors. During the financial crisis, Ameriprise Financial advances $700 million to help clients with cash needs. In 2010, Ameriprise Financial becomes the eighth-largest manager of long-term U.S. mutual fund assets, largely due to the acquisition of Columbia Management. In 2014, it launched a Confident Retirement® approach. The new Columbia Threadneedle Investments brand is launched in 2015. In 2017, Columbia Threadneedle Investments acquires Lionstone Investments, a real estate investment firm and also acquires Investment Professionals, Inc, a new advisor channel to serve clients of financial institutions. In 2019, the National trust bank converts to Ameriprise Bank, FSB.

After the state of Illinois passed laws regarding workers’ compensation in 1912, James S. Kemper founded the Mutual Casualty Co to sell accident insurance. Soon after, the company began selling auto insurance. Only seven years later, Kemper had offices all over the country and eventually changed its name to James S. Kemper & Co. By late 1960, annual revenues approached $150 million. They also moved offices from Chicago to Long Grove and became a part of a holding company called Kemperco Inc. By the 1970s, the company changed its name to Kemper Corp and revenue reached nearly $1 billion. By the 1980s, Kemper began offering financial services until 1995, when Kemper was acquired by Zurich Insurance of Switzerland, who then sold off the securities division to Kemper employees as a separate company called Everen Securities Inc. In the 1990s the company acquired Unitrin Insurance and founded Kemper Corporation. In the early 2000s, Kemper Insurance Companies laid off thousands of employees in Chicago and across the country. In 2003, they sold off their service organization. In 2015 Kemper acquired Alliance United Insurance Company and in 2018 the company acquired Infinity Insurance Company. Kemper boasts $11 billion in assets, servicing approximately seven million policies, employing more than 30,000 agents and brokers as well as 7,800 associates. Kemper is licensed to sell insurance in 50 states and the District of Columbia. Other Kemper acquisitions include Valley Property & Casualty Insurance Company, Warner Insurance, Mutual Savings Fire Insurance Company, Reserve National Insurance Company, Union National Life Insurance Company, United Insurance Company of America, United Casualty Insurance Company of America, Union National Fire Insurance Company, Capitol County Mutual Fire Insurance Company, Old Reliable Casualty Company and Unitrin County Mutual Insurance Company.

Below is a list of average rates, rankings, products, and discounts for the two companies. For full company overviews, you can visit Ameriprise Group Overview and Kemper Overview.

Ameriprise Group vs. Kemper: How much are the Average Rates?

Below is a list of the average rates that drivers typically pay with Ameriprise Group and Kemper. On average, Ameriprise Group charges approximately $109.99 per month while Kemper comes in at around $ per month. For Ameriprise Group, the cheapest state average is Arizona at $109.99 per month and the most expensive is Arizona at $109.99 per month. For Kemper, the cheapest state average is at $0.00 per month and the most expensive is at $0.00 per month.

Ameriprise Group

Average Rate

$109.99
Kemper

Average Rate

$
National

Average Rate

$117.28
State Ameriprise Group Kemper
Arizona $109.99 -

Ameriprise Group vs. Kemper: Rates by Number of Vehicle

Home

Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that Ameriprise Group and Kemper typically charge for drivers who have more than 1 vehicle.

Number of Vehicles Ameriprise Group Kemper
1 Vehicle $102.93 $
2 Vehicles $136.92 $

Ameriprise Group vs. Kemper: Rates by Homeownership

Home

Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Ameriprise Group charges $106.45 per month and Kemper charges $0.00 per month for customers who own their home.

Own/Rent Ameriprise Group Kemper
Own $106.45 $0.00
Rent $112.93 $0.00

What Are Ameriprise and Kemper Insurance's Ratings?

Compare the two insurance companies through facts and ratings. Ameriprise is ranked Better Than Most by J.D. Power, a trusted source for auto insurance ratings. Kemper received an "A-" ratings from Standard & Poor's (S&P) which is respected as a financial rating service and one of the top independent agencies in the insurance industries. Find out more about the differences between Ameriprise and Kemper insurance. Start your insurance comparison shopping today.

ComparisonAmeripriseKemper
Year Founded18941912
A.M. Best RatingAA-
Financial StrengthExcellentExcellent
JD Power RankingBetter Than Most
Moody’s RatingA3A3
NAIC Complaint Index0.83
NAIC Complaint Ratio1.23
S&P RatingA-

Ameriprise or Kemper: Insurance Products Offered

Ameriprise and Kemper's insurance offer a plethora of insurance product choices for consumers. Both have available products in Auto, Home, Condo, Life, and Renters insurance. Ameriprise additional products include Annuities, Travel, Umbrella and other coverages that could financially help to protect you. Considering these two top insurance providers? See what they have to offer in line-by-line comparison.

Insurance Ameriprise Kemper
Auto Insurance
Boat Insurance
Business Auto Insurance
Condo Insurance
Health Insurance
Homeowners Insurance
Life Insurance
Renters Insurance

Ameriprise or Kemper: Ways to Save

Ameriprise offers a wide range of discounts to its policyholders, including Multi-Car, Multi-Policy, Good Driver Discounts and other cost-savings discounts. Kemper has distinct discount offer like Sr. Operator Defensive Driving Course Discount. Start to take advantage of discounts offered by insurance providers like Ameriprise insurance and Kemper.

AmeripriseKemper
Age of Home DiscountAnti-Lock Brakes Discount
Claims Free DiscountAnti-Theft Devices Discount
Defensive Driver DiscountAway-at-School Discount
Education DiscountDriver Training Discount
Garaging DiscountGood Student Discount
Good Driver DiscountKemper EZPaySM Discount
Multi-Car DiscountMulti-Car Discount
Multi-Product DiscountPackage Plus Discount
Premier Safety DiscountPaid-in-Full Discount
Protective Devices DiscountPassive Restraint/Airbags Discount
Renovation DiscountPrior Insurance Discount
Student Away DiscountResident Discount
Tenure DiscountSr. Operator Defensive Driving Course Discount
Vehicle Safety Features Discount

Pros & Cons of Ameriprise & Kemper

Pros

Ameriprise
  • A very financially sound company.
  • One of the largest networks of agents.
  • Offers auto insurance through Costco
Kemper
  • Kemper’s subsidiaries have great options for non-standard drivers
  • Kemper EZPaySM text cancel arts alert you if your policy is in danger of canceling. You can make payments anytime, anywhere.
  • High-risk policies for non-standard drivers.

Cons

Ameriprise
  • The complaint ratio for Ameriprise is higher than the national average. Since 2015, however, it has steadily decreased
Kemper
  • There is no mobile app for account information or for paying bills. The app is only for photos of vehicle damage for a claim.
  • Not all vehicle brands and models are covered by Kemper.

Ameriprise or Kemper Mobile Apps Options

The only app available for Ameriprise is for financial services and financial planning, not for home and auto.

Kemper offers customers a photo inspection app, available for iOS and Android, which allows them to submit photos of the vehicle damage for faster claims processing.

Ameriprise Mobile App
Ameriprise does not currently have a mobile app.
Kemper Mobile App
iOS     4.4216 user reviews
Android     4323 user reviews

Ameriprise & Kemper Contact Info

Ameriprise Contact Info
Address70100 Ameriprise Financial Center, Minneapolis, MN 55474
Phone1-800.862.7919
Websitehttps://www.ameriprise.com/
Facebookhttps://www.facebook.com/AmeripriseAutoHome/
Youtubehttps://www.youtube.com/user/Ameriprise
Twitterhttps://twitter.com/AmeripriseAH
LinkedInhttps://www.linkedin.com/company/ameriprise-auto-and-home-insurance/
Kemper Contact Info
Address200 East Randolph Street, Suite 3300, Chicago, IL 60601
Phone1-866-860-9348
Websitehttps://www.Kemper.com/
Facebookhttps://www.facebook.com/KemperAutoAllianceUnited/
Twitterhttps://twitter.com/KemperInsurance
Youtubehttps://www.youtube.com/channel
Linkedinhttps://www.linkedin.com/company/kemperinsurance/

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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