Which insurance carrier is right for you? Compare savings, cost, and quotes from Metlife and Kemper.
In 1869, MetLife began offering financial protection to working-class Americans, mostly Civil War sailors and soldiers. It was then called the Metropolitan Life Insurance Company and soon shifted to a focus on life insurance. By 1909, MetLife was the nation’s largest life insurer. From1907 to 2005, the Metropolitan Life Insurance Company Tower was the company’s headquarters in Lower Manhattan. It was the world’s tallest building until 1913. This famous building emanated light for years with the slogan, “The light that never fails,” and it was often featured in MetLife advertisements.
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 chang edits 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 MetLife Auto & Home Overview and Kemper Overview.
Which car insurance company is better? We've made it easy to compare companies side by side. See how Metlife and Kemper ranked among the industry ratings.
|A.M. Best Rating||A+||A-|
|JD Power Ranking||About Average|
|NAIC Complaint Index||0.83|
|NAIC Complaint Ratio||0.69|
What coverage is available through Metlife and Kemper? Both insurance companies offer Auto, Commercial, Health, Home, Life, and RV insurance. Additional products from Kemper insurance also includes Condo 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 MetLife Auto & Home and Kemper Insurance page.
Metlife offers a wide range of discounts to its policyholders, including Antitheft System, Deductible Savings Benefit, and Driver Training/Defensive Driving Courses discounts. In contrast, Kemper also offers a few discounts that Metlife 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 Metlife insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.
|Anti-lock Brake Discounts||Anti-lock Brakes Discount|
|Antitheft System Discount||Anti-theft Devices Discount|
|Deductible Savings Benefit||Away-at-school Discount|
|Driver Training/Defensive Driving Courses||Driver Training Discount|
|Good-student Discount||Good Student Discount|
|Mature Driver Discount||Kemper EZPaySM Discount|
|Multi-car Discount||Multi-car Discount|
|Multiple Policy Discount||Package Plus Discount|
|Passive Seat Belt and Air Bag Discount||Paid-in-Full Discount|
|Restricted Mileage Discount||Passive Restraint/Airbags Discount|
|Safe Driver Discounts||Prior Insurance Discount|
|Sr. Operator Defensive Driving Course Discount|
|Metlife Mobile App|
|iOS||1.3||197 user reviews|
|Android||1.9||1,904 user reviews|
|Kemper Mobile App|
|iOS||4.4||216 user reviews|
|Android||4||323 user reviews|
|Metlife Contact Info|
|Address||700 Quaker Lane, Warwick, RI 02818|
|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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