Metlife vs. Kemper Insurance

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

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Metlife vs. Kemper: What You Need to Know

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.

MetLife Auto & Home vs. Kemper: How much are the Average Rates?

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MetLife Auto & Home vs. Kemper: Rates by Number of Vehicle

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MetLife Auto & Home vs. Kemper: Rates by Homeownership

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What is Metlife and Kemper Insurance Rating?

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.

ComparisonMetlifeKemper
Year Founded18681912
A.M. Best RatingA+A-
Financial StrengthExcellentExcellent
JD Power RankingAbout Average
Moody'sA3
NAIC Complaint Index0.83
NAIC Complaint Ratio0.69
S&P RatingAA-A-

Metlife or Kemper: Insurance Products Offered

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.

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

Metlife or Kemper: Ways To Save

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.

MetlifeKemper
Anti-lock Brake DiscountsAnti-lock Brakes Discount
Antitheft System DiscountAnti-theft Devices Discount
Deductible Savings BenefitAway-at-school Discount
Driver Training/Defensive Driving CoursesDriver Training Discount
Good-student DiscountGood Student Discount
Mature Driver DiscountKemper EZPaySM Discount
Multi-car DiscountMulti-car Discount
Multiple Policy DiscountPackage Plus Discount
Passive Seat Belt and Air Bag DiscountPaid-in-Full Discount
Restricted Mileage DiscountPassive Restraint/Airbags Discount
Safe Driver DiscountsPrior Insurance Discount
Resident Discount
Sr. Operator Defensive Driving Course Discount

Pros & Cons of Metlife & Kemper

Pros

Metlife
  • MetLife Auto & Home is a subsidiary of MetLife, the largest life insurance company in the country, which is financially stable.
  • 150 years of experience.
  • No deductible on glass repairs.
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

Metlife
  • MetLife does not offer accident forgiveness.
  • Mobile app issues.
  • Expensive policies.
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.

Metlife or Kemper Mobile Apps Options


Metlife Mobile App
iOS     1.3197 user reviews
Android     1.91,904 user reviews
Kemper Mobile App
iOS     4.4216 user reviews
Android     4323 user reviews

Metlife & Kemper Contact Info

Metlife Contact Info
Address700 Quaker Lane, Warwick, RI 02818
Phone1-900-422-4272
Websitehttps://www.metlife.com/insurance/
Facebookhttps://www.facebook.com/metlife/
Twitterhttps://twitter.com/MetLife
Youtubehttps://www.youtube.com/user/Metlife
Linkedinhttps://www.linkedin.com/company/the-hanover-insurance-group/
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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