Which insurance company is right for you? Compare pros & cons, cost, and quotes from Arbella and Kemper.
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.
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 $155.36 per month while Kemper comes in at around $ per month. For Arbella Insurance Group, the cheapest state average is Massachusetts at $155.36 per month and the most expensive is Massachusetts at $155.36 per month. For Kemper, the cheapest state average is at $0.00 per month and the most expensive is at $0.00 per month.
|State||Arbella Insurance Group||Kemper|
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|
Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Arbella Insurance Group charges $165.45 per month and Kemper charges $ per month for customers who own their home.
|Own/Rent||Arbella Insurance Group||Kemper|
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.
|JD Power Ranking||Below Average|
|NAIC Complaint Index||0.11||0.83|
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.
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.
|Account Credit Discount||Anti-lock Brakes Discount|
|Advanced Driver Training Discount||Anti-theft Devices Discount|
|Annual Mileage Discount||Away-at-school Discount|
|Anti-theft Devices Discount||Driver Training Discount|
|Auto Loyalty Discount||Good Student Discount|
|Auto Rewards Discount||Kemper EZPaySM Discount|
|Deployment/Active Military Duty Discount||Multi-car Discount|
|Driver Simulator Training Discount||Package Plus Discount|
|Energy-Saving Hybrids or Electrics Discount||Paid-in-Full Discount|
|Experienced Motorcycle Operator Discount||Passive Restraint/Airbags Discount|
|Good Student Discount||Prior Insurance Discount|
|MAHA Workshops Savings Discount||Resident Discount|
|Mass Save Discount||Sr. Operator Defensive Driving Course Discount|
|Motorcycle Training Discount|
|Multi-car Family Discount|
|Multi-car Individual/Spouse 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|
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 Contact Info|
|Address||1100 Crown Colony Drive, P.O. Box 699103, Quincy, MA 02269-9103|
|Kemper Contact Info|
|Address||200 East Randolph Street, Suite 3300, Chicago, IL 60601|
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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