Arbella vs. Kemper Insurance

Which insurance company is right for you? Compare pros & cons, cost, and quotes from Arbella and Kemper.

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Arbella vs. Kemper: What You Need to Know

Founded in 1988 in Quincy, Massachusetts, Arbella took over Kemper Group’s Massachusetts auto insurance business, which was then-troubled. Arbella’s founders worked to strengthen their partnership with independent agents. Arbella is a mutual company owned by its policyholders and prides itself on excellent customer service. In 2004, Arbella formed the Arbella Insurance Foundation to support not-for-profit organizations that have a positive impact on the communities Arbella serves, donating more than $13 million to 960 different charities. Arbella also founded the Arbella Insurance Group Charitable Foundation in 2004. Arbella has consistently ranked as one of the best places to work in New England. Arbella Insurance Group has more than $600M in revenue with approximately $1B in assets.

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 Arbella Insurance Group Overview and Kemper Overview.

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

Below is a list of the average rates that drivers typically pay with Arbella Insurance Group and Kemper. On average, Arbella Insurance Group charges approximately $157.78 per month while Kemper comes in at around $ per month. For Arbella Insurance Group, the cheapest state average is Massachusetts at $157.83 per month and the most expensive is Massachusetts at $157.83 per month. For Kemper, the cheapest state average is at $0.00 per month and the most expensive is at $0.00 per month.

Arbella Insurance Group

Average Rate

$157.78
Kemper

Average Rate

$
National

Average Rate

$117.28
State Arbella Insurance Group Kemper
Massachusetts $157.83 -

Arbella Insurance 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 Arbella Insurance Group and Kemper typically charge for drivers who have more than 1 vehicle.

Number of Vehicles Arbella Insurance Group Kemper
1 Vehicle $146.95 $
2 Vehicles $219.59 $

Arbella Insurance 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 Arbella Insurance Group charges $150.86 per month and Kemper charges $0.00 per month for customers who own their home.

Own/Rent Arbella Insurance Group Kemper
Own $150.86 $0.00
Rent $160.78 $0.00

What is Arbella and Kemper Insurance Rating?

Which car insurance company is better? We've made it easy to compare companies side by side. See how Arbella and Kemper ranked among the industry ratings.

Comparison Arbella Kemper
Year Founded 1988 1912
A.M Best Rating A-
A.M. Best A-
Financial Strength Excellent Excellent
JD Power Ranking Below Average
Moody's A3
NAIC Complaint Index 0.11 0.83
S&P Rating A-

Arbella or Kemper: Insurance Products Offered

What coverage is available through Arbella and Kemper? Both insurance companies offer Auto, Commercial, Home, and Renters Insurance. Additional products from Kemper insurance also includes Condo, Health, Life, Motorcycle, RV, and Umbrella Insurance. Considering these two top insurance providers? Check out the list below. To view a full list of products that are available, visit Arbella Insurance Group and Kemper Insurance page.

Insurance Arbella Kemper
Auto Insurance
Commercial Insurance
Condo Insurance
Health Insurance
Home Insurance
Life Insurance
Motorcycle Insurance
Renters Insurance
RV Insurance
Umbrella Insurance

Arbella or Kemper: Ways To Save

Kemper offers a wide range of discounts to its policyholders, including Anti-theft Devices, Away-at-school, and Driver Training discounts. Arbella also offers a few discounts that Kemper doesn’t including Student Away at College, Residence Safety Package, and Rental Property Account Credit discounts. Start taking advantage of discounts offered by insurance providers like Kemper and Arbella insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

ArbellaKemper
Account Credit DiscountAnti-lock Brakes Discount
Advanced Driver Training DiscountAnti-theft Devices Discount
Annual Mileage DiscountAway-at-school Discount
Anti-theft Devices DiscountDriver Training Discount
Auto Loyalty DiscountGood Student Discount
Auto Rewards DiscountKemper EZPaySM Discount
Deployment/Active Military Duty DiscountMulti-car Discount
Driver Simulator Training DiscountPackage Plus Discount
Energy-Saving Hybrids or Electrics DiscountPaid-in-Full Discount
Experienced Motorcycle Operator DiscountPassive Restraint/Airbags Discount
Good Student DiscountPrior Insurance Discount
MAHA Workshops Savings DiscountResident Discount
Mass Save DiscountSr. Operator Defensive Driving Course Discount
Motorcycle Training Discount
Multi-car Family Discount
Multi-car Individual/Spouse Discount
Multi-vehicle Discount
New Business Discount
New Home Credit
Premium in Full Discount
Protective Devices Discount
Renew and Save Discount
Rental Property Account Credit
Residence Safety Package
Student Away at College Discount

Pros & Cons of Arbella & Kemper

Pros

Arbella
  • Arbella has an excellent record of very few complaints from consumers.
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

Arbella
  • Arbella only offers insurance to Massachusetts and Connecticut residents.
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.

Arbella or Kemper Mobile Apps Options

Arbella offers an app called Wheel Focused™ on iTunes and Google Play is available to download, regardless of what carrier you may have. The app is designed to improve driving behaviors through real-time feedback.

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.

Kemper Mobile App
iOS      4.4 216 user reviews
Android      4 323 user reviews

Arbella & Kemper Contact Info

Arbella Contact Info
Address 1100 Crown Colony Drive, P.O. Box 699103, Quincy, MA 02269-9103
Phone 1-800-ARBELLA
Website https://www.arbella.com/
Facebook https://www.facebook.com/arbellainsurance/
Youtube https://www.youtube.com/user/ArbellaInsurance
Twitter https://twitter.com/ArbellaIns
Linkedin https://www.linkedin.com/company/arbella-insurance-group/
Kemper Contact Info
Address 200 East Randolph Street, Suite 3300, Chicago, IL 60601
Phone 1-866-860-9348
Website https://www.Kemper.com/
Facebook https://www.facebook.com/KemperAutoAllianceUnited/
Twitter https://twitter.com/KemperInsurance
Youtube https://www.youtube.com/channel
Linkedin https://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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