Which insurance carrier is right for you? Compare plans, savings, and quotes from Hartford and Kemper.
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.
Below is a list of the average rates that drivers typically pay with Hartford and Kemper. On average, Hartford charges approximately $214.92 per month while Kemper comes in at around $ per month. For Hartford, the cheapest state average is California at $214.81 per month and the most expensive is California at $214.81 per month. For Kemper, the cheapest state average is at $0.00 per month and the most expensive is at $0.00 per month.
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|
Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Hartford charges $219.56 per month and Kemper charges $ per month for customers who own their home.
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.
|A.M. Best Rating||A||A-|
|NAIC Complaint Index||0.83|
|NAIC Complaint Ratio||1.65|
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.
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.
|Airbags Discount||Anti-lock Brakes Discount|
|Anti-theft Device Discount||Anti-theft Devices Discount|
|Bundle Insurance Savings||Away-at-school Discount|
|Defensive Driver Course||Driver Training Discount|
|Driver Training Discount||Good Student Discount|
|Good Student Discount||Kemper EZPaySM Discount|
|Paid-in-Full Discount||Multi-car Discount|
|Vehicle Fuel Type (Hybrid or Electric Vehicles)||Package Plus Discount|
|Passive Restraint/Airbags Discount|
|Prior Insurance Discount|
|Sr. Operator Defensive Driving Course Discount|
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||3.9||265 user reviews|
|Android||3.7||513 user reviews|
|Kemper Mobile App|
|iOS||4.4||216 user reviews|
|Android||4||323 user reviews|
|Hartford Contact Info|
|Address||690 Asylum Avenue, Hartford, CT, 06155|
|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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