National General vs. Kemper Insurance

Which insurance provider is right for you? Compare coverage, savings, and quotes from National General and Kemper.

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National General vs. Kemper: What You Need to Know

National General Insurance, formerly GMAC Insurance Group, is the only onein the United States to be founded within the automotive industry. Thecompany’s history began in 1920, in North Carolina, when Integon, a lifeinsurance company, was founded: One part of the company became NationalGeneral Insurance and the second was Motor Insurance Company, founded in1925, by General Motors. In the year 1969, Integon started a holdingcompany and began insuring high-risk drivers and by 1997, the company wasacquired by GMAC. By 2013, GMAC changed its name to National GeneralInsurance. Today, the National General Insurance Group is one of thelargest automobile insurers in the United States, offering a variety ofproperty and casualty products. The company operates and sells itsinsurance products through over 10,000 independent agents and brokersacross the US.

After the state of Illinois passed laws regarding workers’ compensation in1912, James S. Kemper founded the Mutual Casualty Co to sell accidentinsurance. Soon after, the company began selling auto insurance. Only sevenyears later, Kemper had offices all over the country and eventually changedits name to James S. Kemper & Co. By late 1960, annual revenues approached$150 million. They also moved offices from Chicago to Long Grove and becamea part of a holding company called Kemperco Inc. By the 1970s, the companychanged its name to Kemper Corp and revenue reached nearly $1 billion. Bythe 1980s, Kemper began offering financial services until 1995, when Kemperwas acquired by Zurich Insurance of Switzerland, who then sold off thesecurities division to Kemper employees as a separate company called EverenSecurities Inc. In the 1990s the company acquired Unitrin Insurance andfounded Kemper Corporation. In the early 2000s, Kemper Insurance Companieslaid off thousands of employees in Chicago and across the country. In 2003,they sold off their service organization. In 2015 Kemper acquired AllianceUnited Insurance Company and in 2018 the company acquired InfinityInsurance Company. Kemper boasts $11 billion in assets, servicingapproximately seven million policies, employing more than 30,000 agents andbrokers as well as 7,800 associates. Kemper is licensed to sell insurancein 50 states and the District of Columbia. Other Kemper acquisitionsinclude: 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 InsuranceCompany, 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 National General Overview and Kemper Overview.

National General vs. Kemper: How much are the Average Rates?

Below is a list of the average rates that drivers typically pay with National General and Kemper. On average, National General charges approximately $176.37 per month while Kemper comes in at around $ per month. For National General, the cheapest state average is Texas at $176.44 per month and the most expensive is Texas at $176.44 per month. For Kemper, the cheapest state average is at $0.00 per month and the most expensive is at $0.00 per month.

National General

Average Rate

$176.37
Kemper

Average Rate

$
National

Average Rate

$117.77
State National General Kemper
Texas $176.44 -

National General 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 National General and Kemper typically charge for drivers who have more than 1 vehicle.

Number of Vehicles National General Kemper
1 Vehicle $174.10 $
2 Vehicles $182.12 $

National General 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 National General charges $161.68 per month and Kemper charges $0.00 per month for customers who own their home.

Own/Rent National General Kemper
Own $161.68 $0.00
Rent $185.42 $0.00

What is National General and Kemper Insurance Rating?

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

Comparison National General Kemper
Year Founded 1920 1912
Market Share 1.05%
A.M. Best A- A-
BBB Rating A+
Financial Strength Excellent Excellent
Moody's A3
NAIC Complaint Index 6.08 0.83
NAIC Complaint Ratio 6.08
S&P Rating A-

National General or Kemper: Insurance Products Offered

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

Insurance National General Kemper
Auto Insurance
Commercial Insurance
Condo Insurance
Health Insurance
Home Insurance
Life Insurance
Motorcycle Insurance
Renters Insurance
RV Insurance

National General or Kemper: Ways To Save

National General offers a wide range of discounts to its policyholders, including Anti-Theft, Low Mileage, and Motorcycle discounts. Kemper also offers a few discounts that National General 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 National General insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

National GeneralKemper
Affinity DiscountAnti-lock Brakes Discount
Anti-Theft DiscountAnti-theft Devices Discount
Low Mileage DiscountAway-at-school Discount
Motorcycle DiscountDriver Training Discount
Multi-Policy DiscountGood Student Discount
Multi-Vehicle DiscountKemper EZPaySM Discount
Paid-in-Full DiscountMulti-car Discount
Paperless DiscountPackage Plus Discount
RVs and autos on one convenient policyPaid-in-Full Discount
Safe-Driver DiscountPassive Restraint/Airbags Discount
Prior Insurance Discount
Resident Discount
Sr. Operator Defensive Driving Course Discount

Pros & Cons of National General & Kemper

Pros

National General
  • National General Insurance is available in all 50 states in America.
  • Offers 24/hour claims service
  • Flexible payment options
  • Extensive discounts and services
Kemper
  • Kemper’s subsidiaries have great options for non-standard drivers
  • Kemper EZPaySM text cancel arts alert you if your policy is in danger ofcanceling. You can make payments anytime, anywhere.
  • High-risk policies for non-standard drivers.

Cons

National General
  • Slow claim process, according to customer’s reviews
Kemper
  • There is no mobile app for account information or for paying bills. The appis only for photos of vehicle damage for a claim.
  • Not all vehicle brands and models are covered by Kemper.

National General or Kemper Mobile Apps Options

Kemper Mobile App
iOS      4.4 216 user reviews
Android      4 323 user reviews

National General & Kemper Contact Info

National General Contact Info
Address 5620 University Pkwy, Winston-Salem, North Carolina 27105
Phone 1-888-293-5108
Website http://www.nationalgeneral.com/
Facebook https://www.facebook.com/NationalGeneralInsurance/
Linkedin https://www.linkedin.com/company/national-general-insurance/
Kemper Contact Info
Address 200 East Randolph Street, Suite 3300, Chicago, IL 60601
Phone 1-866-860-9348
Website https://www.Kemper.com/
Facebook https://www.facebook.com/KemperAutoAllianceUnited/
Twitter https://twitter.com/KemperInsurance
Youtube https://www.youtube.com/channel
Linkedin https://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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