Pemco vs. Kemper Insurance

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

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Pemco vs. Kemper: What You Need to Know

Pemco was founded in 1949 by Robert J. Handy, a Seattle journalism and math teacher. He had at first envisioned insuring teachers, who were members of the Seattle Teachers Credit Union which he founded in 1939 (it later became the School Employees Credit Union of Washington). He wanted to “create a financial institution with a heart.” Handy was also working for an insurance agency, which enabled him to sell auto insurance to educators who came to the credit union to secure car loans.

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 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 PEMCO Overview and Kemper Overview.

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

Below is a list of the average rates that drivers typically pay with PEMCO and Kemper. On average, PEMCO charges approximately $98.71 per month while Kemper comes in at around $ per month. For PEMCO, the cheapest state average is Washington at $98.55 per month and the most expensive is Washington at $98.55 per month. For Kemper, the cheapest state average is at $0.00 per month and the most expensive is at $0.00 per month.

PEMCO

Average Rate

$98.71
Kemper

Average Rate

$
National

Average Rate

$117.77
State PEMCO Kemper
Washington $98.55 -

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

Number of Vehicles PEMCO Kemper
1 Vehicle $93.40 $
2 Vehicles $117.04 $

PEMCO 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 PEMCO charges $97.74 per month and Kemper charges $0.00 per month for customers who own their home.

Own/Rent PEMCO Kemper
Own $97.74 $0.00
Rent $99.31 $0.00

What is Pemco and Kemper Insurance Rating?

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

ComparisonPemcoKemper
Year Founded19491912
Market Share3.8%
A.M. Best RatingB++A-
BBB RatingA+
Financial StrengthExcellentExcellent
JD PowerAmong the Best
Moody'sA3
NAIC Complaint Index0.83
S&P RatingA-

Pemco or Kemper: Insurance Products Offered

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

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

Pemco or Kemper: Ways To Save

Kemper offers a wide range of discounts to its policyholders, including Boat Insurance, Collectibles Insurance, and Commercial Auto Insurance discounts. In contrast, Pemco also offers a few discounts that Kemper doesn’t, including University of Washington Alumni, Safety/Security Feature, and Paid in Full discounts. Start taking advantage of discounts offered by insurance providers like Kemper and Pemco insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

PemcoKemper
Accident Forgiveness BenefitAuto Insurance
Advance Purchase Discount (for new business)Boat Insurance
Auto Plus Home DiscountCollectibles Insurance
Defensive Driver DiscountCommercial Auto Insurance
Distant Student DiscountCondo Insurance
Educator DiscountHealth Insurance
Good Student DiscountHomeowners Insurance
Homeownership DiscountIdentity Fraud Insurance
Life Insurance (only for members of the teacher’s credit union)Life Insurance
Low Mileage DiscountPackage Insurance
Loyal Auto Customer DiscountPersonal Catastrophe Liability Insurance
Minor Ticket Forgiveness BenefitRenters Insurance
New Vehicle DiscountValuables Insurance
Paid in Full Discount
Safety/Security Feature Discount
University of Washington Alumni Discount

Pros & Cons of Pemco & Kemper

Pros

Pemco
  • PEMCO was ranked amongst the best by JD Power.
  • Positive reviews from customers
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

Pemco

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.

Pemco or Kemper Mobile Apps Options

The Go PEMCO app connects you to your PEMCO policy no matter where you are. You have access to vehicle insurance ID cards, your policy, and discounts. You can also make changes to your policy, view documents and bills and pay your bill. Local repair shops are listed for you too.

Kemper does not currently have a mobile app.

Pemco Mobile App
iOS     3.65 user reviews
Android     4.368 user reviews
Kemper Mobile App
iOS     4.4216 user reviews
Android     4323 user reviews

Pemco & Kemper Contact Info

Pemco Contact Info
Address1300 Dexter Avenue N. Seattle, WA 98109-3571
Phone1 (800) 467-3626
Websitehttps://pemco.com/
Facebookhttps://www.facebook.com/PEMCOInsurance/
Youtubehttps://www.youtube.com/channel/UChCRheGkktnLSRYpqBsEP8g
Twitterhttps://twitter.com/PEMCO
Linkedinhttps://www.linkedin.com/company/pemco/
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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