Kemper vs. Foremost Insurance

Which insurance provider is right for you? Compare discounts, premiums, and quotes from Kemper and Foremost.

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Kemper vs. Foremost: What You Need to Know

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. 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.

In 1952, Edward J Frey and Edward L. Stoddard founded Foremost Insurance Company. Their focus was originally on people who lived in mobile homes. They created the first mobile home insurance policy in history. The company also developed safety standards for mobile homes. Today the company offers a wide range of insurance, including auto insurance, RV insurance business insurance and home insurance. Foremost Insurance Group is a member of the Farmers Insurance Group of Companies and has more than 38,000 agents across the country, operating in all 50 states. Foremost Insurance rebranded its auto insurance line as Bristol West in 2018 to improve its customer service and claims handling processes. Foremost Insurance has a great reputation as a reliable insurer of nonstandard high-risk auto policies and older homes.

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

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

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Kemper vs. Foremost: Rates by Number of Vehicle

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Kemper vs. Foremost: Rates by Homeownership

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What is Kemper and Foremost Insurance Rating?

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

ComparisonKemperForemost
Year Founded19121952
A.M. Best RatingA-A
BBB RatingA+
Financial StrengthExcellentExcellent
Moody'sA3
NAIC Complaint Index0.830.65
S&P RatingA-A

Kemper or Foremost: Insurance Products Offered

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

InsuranceKemperForemost
Auto Insurance
Commercial Insurance
Condo Insurance
Health Insurance
Home Insurance
Life Insurance
Motorcycle Insurance
Renters Insurance
RV Insurance

Kemper or Foremost: Ways To Save

Foremost offers a wide range of discounts to its policyholders, including Multi-policy, One Household, One Policy for All Vehicles, and Pay-in-Full discounts. In contrast, Kemper also offers a few discounts that Foremost doesn’t, including Sr. Operator Defensive Driving Course, Resident, and Prior Insurance discounts. Start taking advantage of discounts offered by insurance providers like Foremost and Kemper insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

KemperForemost
Anti-lock Brakes DiscountMature Driver Discount
Anti-theft Devices DiscountMulti-policy Discount
Away-at-school DiscountOne Household, One Policy for All Vehicles
Driver Training DiscountPay-in-Full Discount
Good Student Discount
Kemper EZPaySM Discount
Multi-car Discount
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 Kemper & Foremost

Pros

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.
Foremost
  • For over 50 years, Foremost has been the top insurance company writing mobile home insurance.
  • Offers superior customer care and claims handling.

Cons

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.
Foremost
  • The mobile app confuses users because it’s really an app for internal employees of Foremost Insurance Group. Policyholders cannot obtain any insurance services through the app.
  • Homeowners insurance is not the best fit for standard homes which require more coverage.

Kemper or Foremost Mobile Apps Options

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.

The Foremost Insurance Group mobile app, available for iOS and android, is not intended for billing or insurance information. This is an app for Foremost Insurance Group corporate and agent events. It’s only for internal use by Foremost employees. For account information, you can use theForemost website.

Kemper Mobile App
iOS     4.4216 user reviews
Android     4323 user reviews
Foremost Mobile App
iOS     1.25 user reviews
Android     1.563 user reviews

Kemper & Foremost Contact Info

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/
Foremost Contact Info
Address5600 Beech Tree Lane, Caledonia, MI 49316
Phone1-800-532-4221
Websitehttps://www.foremost.com/about-foremost/
Facebookhttps://www.facebook.com/ForemostInsurance/
Twitterhttps://twitter.com/Foremost
Youtubehttps://www.youtube.com/user/foremostinsurance
Linkedinhttps://www.linkedin.com/company/foremost-insurance/

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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