Hartford vs. Kemper Insurance

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

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Hartford vs. Kemper: What You Need to Know

In 1810, Nathaniel Terry was the president of a small fire insurance company which, 15 years later, wrote a policy for Yale University. In 1835, a large fire destroyed most of the buildings in New York City’s Financial District and all claims were paid. In 2001 the company paid over $850 million in claims after the 9/11 terror attacks. Since 1994, The Hartford has been a sponsor of the U.S. Paralympics. Since 2003, they’ve participated in the Ability Equipped program, which provides access to adaptive sports and equipment for people with disabilities across the country. The year 2010 was The Hartford’s 200th anniversary. Since its inception, the company has been named a World’s Most Ethical Company 11 times by the Ethisphere Institute.

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 Kemper co 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 Hartford Overview and Kemper Overview.

Hartford vs. Kemper: How much are the Average Rates?

Below is a list of the average rates that drivers typically pay with Hartford and Kemper. On average, Hartford charges approximately $208.16 per month while Kemper comes in at around $ per month. For Hartford, the cheapest state average is California at $208.16 per month and the most expensive is California at $208.16 per month. For Kemper, the cheapest state average is at $0.00 per month and the most expensive is at $0.00 per month.

Hartford

Average Rate

$208.16
Kemper

Average Rate

$
National

Average Rate

$120.03
State Hartford Kemper
California $208.16 -

Hartford 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 Hartford and Kemper typically charge for drivers who have more than 1 vehicle.

Number of Vehicles Hartford Kemper
1 Vehicle $193.65 $
2 Vehicles $256.82 $
3 Vehicles $379.90 $

Hartford 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 Hartford charges $196.63 per month and Kemper charges $0.00 per month for customers who own their home.

Own/Rent Hartford Kemper
Own $196.63 $0.00
Rent $211.89 $0.00

What is Hartford and Kemper Insurance Rating?

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

ComparisonHartfordKemper
Year Founded18101912
A.M. Best RatingAA-
BBB RatingA-
Financial StrengthExcellentExcellent
Moody'sA3
NAIC Complaint Index0.83
NAIC Complaint Ratio1.65
S&P RatingAA-

Hartford or Kemper: Insurance Products Offered

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

InsuranceHartfordKemper
Auto Insurance
Commercial Insurance
Condo Insurance
Health Insurance
Home Insurance
Life Insurance
Renters Insurance
RV Insurance
Umbrella Insurance

Hartford or Kemper: Ways To Save

Hartford offers a wide range of discounts to its policyholders, including Anti-theft Device, Bundle Insurance Savings, and Defensive Driver Course discounts. Whereas, Kemper also offers a few discounts that Hartford doesn’t, including Sr. Operator Defensive Driving Course, Resident, and Prior Insurance discounts. Start taking advantage of discounts offered by insurance providers like Kemper and Hartford insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

HartfordKemper
Airbags DiscountAnti-lock Brakes Discount
Anti-theft Device DiscountAnti-theft Devices Discount
Bundle Insurance SavingsAway-at-school Discount
Defensive Driver CourseDriver Training Discount
Driver Training DiscountGood Student Discount
Good Student DiscountKemper EZPaySM Discount
Paid-in-Full DiscountMulti-car Discount
Vehicle Fuel Type (Hybrid or Electric Vehicles)Package Plus Discount
Paid-in-Full Discount
Passive Restraint/Airbags Discount
Prior Insurance Discount
Resident Discount
Sr. Operator Defensive Driving Course Discount

Pros & Cons of Hartford & Kemper

Pros

Hartford
  • Great discounts for AARP members for both auto and home.
  • High customer satisfaction ratings.
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

Hartford
  • This is not the most affordable option for newer drivers and non-AARP members.
  • A high number of complaints filed.
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.

Hartford or Kemper Mobile Apps Options

The Hartford smartphone app allows users to view important documents and access a digital auto ID card. You can pay bills, file and track claims, contact an agent, access roadside assistance and more.

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.

Hartford Mobile App
iOS     3.9265 user reviews
Android     3.7513 user reviews
Kemper Mobile App
iOS     4.4216 user reviews
Android     4323 user reviews

Hartford & Kemper Contact Info

Hartford Contact Info
Address690 Asylum Avenue, Hartford, CT, 06155
Phone1-800-423-6789
Websitehttps://www.thehartford.com/
Facebookhttps://www.facebook.com/TheHartford/
Youtubehttps://www.youtube.com/thehartford
Twitterhttps://twitter.com/TheHartford
Linkedinhttps://www.linkedin.com/company/the-hartford/
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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