Meemic vs. Kemper Insurance

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

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Meemic vs. Kemper: What You Need to Know

A small group of teachers formed Meemic in 1950. They aimed to provide other teachers and educators with quality protection at affordable rates. For almost 70 years, they’ve been providing auto, home, boat and personal umbrella insurance tailored to the needs of the educational community. A.M. Best has rated Meemic as financially strong, based on the financial strength and claims-paying ability. The Meemic Foundation for the Future of Education was established in 1992 to provide financial assistance to schools, teachers, and educators, in the form of grants. Meemic partners with AAA to offer insurance products to teachers and educators in Illinois, Michigan, Wisconsin, and Georgia.

After the state of Illinois passed laws regarding workers’ compensation in1912, 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 InfinityInsurance 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 ReliableCasualty 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 MEEMIC Insurance Company Overview and Kemper Overview.

MEEMIC Insurance Company vs. Kemper: How much are the Average Rates?

Below is a list of the average rates that drivers typically pay with MEEMIC Insurance Company and Kemper. On average, MEEMIC Insurance Company charges approximately $233.38 per month while Kemper comes in at around $ per month. For MEEMIC Insurance Company, the cheapest state average is Michigan at $233.35 per month and the most expensive is Michigan at $233.35 per month. For Kemper, the cheapest state average is at $0.00 per month and the most expensive is at $0.00 per month.

MEEMIC Insurance Company

Average Rate

$233.38
Kemper

Average Rate

$
National

Average Rate

$120.03
State MEEMIC Insurance Company Kemper
Michigan $233.35 -

MEEMIC Insurance Company 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 MEEMIC Insurance Company and Kemper typically charge for drivers who have more than 1 vehicle.

Number of Vehicles MEEMIC Insurance Company Kemper
1 Vehicle $220.18 $
2 Vehicles $289.49 $
3 Vehicles $402.92 $

MEEMIC Insurance Company 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 MEEMIC Insurance Company charges $232.52 per month and Kemper charges $0.00 per month for customers who own their home.

Own/Rent MEEMIC Insurance Company Kemper
Own $232.52 $0.00
Rent $233.90 $0.00

What is Meemic and Kemper Insurance Rating?

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

ComparisonMeemicKemper
Year Founded19501912
A.M. Best RatingA-A-
BBB RatingB-
Financial StrengthExcellentExcellent
Moody'sA3
NAIC Complaint Index0.83
S&P RatingA-

Meemic or Kemper: Insurance Products Offered

What coverage is available through Meemic and Kemper? Both insurance companies offer Auto, Condo, Home, Life, Renters, and RV insurance. Additional products from Meemic insurance also includes Motorcycle 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 MEEMIC Insurance Company and Kemper Insurance page.

InsuranceMeemicKemper
Auto Insurance
Commercial Insurance
Condo Insurance
Health Insurance
Home Insurance
Life Insurance
Motorcycle Insurance
Renters Insurance
RV Insurance
Umbrella Insurance

Meemic or Kemper: Ways To Save

Meemic offers a wide range of discounts to its policyholders, including Newly Certified Teacher, Paid-in-Full, and The Educated Choice Repair Program discounts. In contrast, Kemper also offers a few discounts that Meemic 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 Meemic insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

MeemicKemper
Multi-policy DiscountAnti-lock Brakes Discount
Newly Certified Teacher DiscountAnti-theft Devices Discount
Paid-in-Full DiscountAway-at-school Discount
The Educated Choice Repair ProgramDriver Training Discount
Vehicle Anti-theft DiscountGood 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 Meemic & Kemper

Pros

Meemic
  • Offers discounted rates for teachers.
  • Offers industry-specific coverage.
  • Quality repairs using original manufacturer parts.
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

Meemic
  • Insurance through Meemic is only offered in four states: Michigan, Illinois, Wisconsin, and Georgia.
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.

Meemic or Kemper 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.

Meemic Mobile App
Meemic does not currently have a mobile app.
Kemper Mobile App
iOS     4.4216 user reviews
Android     4323 user reviews

Meemic & Kemper Contact Info

Meemic Contact Info
Address1685 N. Opdyke Rd. Auburn Hills, MI 48326
Phone1-888-463-3642
Websitehttps://www.meemic.com/
Facebookhttps://www.facebook.com/Meemic/
Youtubehttps://www.youtube.com/channel/UCQnTMFg_hBizrzlZc0aQKMw
Twitterhttps://twitter.com/Meemic
Linkedinhttps://www.linkedin.com/company/meemic-insurance-company/
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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