Utica National vs. Kemper Insurance

Which insurance carrier is right for you? Compare discounts, coverage, and quotes from Utica National and Kemper.

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Utica National vs. Kemper: What You Need to Know

Utica Mutual Compensation Company was founded in 1914 as a workers compensation insurance carrier. The company quickly expanded its business by offering more coverage options and quickly becoming one of the New York State’s most successful and respectful mutual insurance organizations. Utica adopted the independent agent system in 1928 in order to sell auto insurance in areas not easily accessed by the office located in New York. Even during the Great Depression and World War II, the company kept growing and expanding. By the end of the 1940’s, Utica’s assets had more than doubled. Today, Utica National Insurance Group is an award-winning, nationally recognized organization which provides a variety of personal and commercial insurance products, through more than 2,200 independent agents across the country. The company has seven regional offices located in Virginia, Ohio, two in New York, Massachusetts, Texas, and Georgia.

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 Utica National Ins Group Overview and Kemper Overview.

Utica National Ins Group vs. Kemper: How much are the Average Rates?

Below is a list of the average rates that drivers typically pay with Utica National Ins Group and Kemper. On average, Utica National Ins Group charges approximately $102.74 per month while Kemper comes in at around $ per month. For Utica National Ins Group, the cheapest state average is Virginia at $86.63 per month and the most expensive is Connecticut at $175.01 per month. For Kemper, the cheapest state average is at $0.00 per month and the most expensive is at $0.00 per month.

Utica National Ins Group

Average Rate

$102.74
Kemper

Average Rate

$
National

Average Rate

$120.11
State Utica National Ins Group Kemper
Connecticut $175.01 -
Indiana $127.20 -
North Carolina $89.90 -
Virginia $86.63 -

Utica National Ins Group 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 Utica National Ins Group and Kemper typically charge for drivers who have more than 1 vehicle.

Number of Vehicles Utica National Ins Group Kemper
1 Vehicle $93.49 $
2 Vehicles $134.63 $
3 Vehicles $154.79 $

Utica National Ins Group 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 Utica National Ins Group charges $105.74 per month and Kemper charges $0.00 per month for customers who own their home.

Own/Rent Utica National Ins Group Kemper
Own $105.74 $0.00
Rent $101.31 $0.00

What is Utica National and Kemper Insurance Rating?

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

ComparisonUtica NationalKemper
Year Founded19141912
A.M. Best RatingA-A-
Financial StrengthExcellentExcellent
Moody'sA3
NAIC Complaint Index0.83
S&P RatingA-

Utica National or Kemper: Insurance Products Offered

What coverage is available through Utica National and Kemper? Both insurance companies offer Auto, Commercial, Home, Renters, and RV insurance. Additional products from Kemper insurance also includes Condo, 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 Utica National Ins Group and Kemper Insurance page.

InsuranceUtica NationalKemper
Auto Insurance
Commercial Insurance
Condo Insurance
Health Insurance
Home Insurance
Life Insurance
Motorcycle Insurance
Renters Insurance
RV Insurance
Umbrella Insurance

Utica National or Kemper: Ways To Save

Kemper offers a wide range of discounts to its policyholders, including Anti-theft Devices, Away-at-school, and Driver Training Discounts. However, Utica National also offers a few discounts that Kemper doesn’t, including Pay in Full, Multi-Vehicle, and Go Green Vehicle discounts. Start taking advantage of discounts offered by insurance providers like Kemper and Utica National insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

Utica NationalKemper
Airbags & motorized seat beltsAnti-lock Brakes Discount
Annual Mileage DiscountAnti-theft Devices Discount
Anti-lock brakesAway-at-school Discount
Anti-Theft DeviceDriver Training Discount
Away at School DiscountGood Student Discount
Bundled DiscountKemper EZPaySM Discount
Company Car DiscountMulti-car Discount
Electronic Funds TransferPackage Plus Discount
Electronic stability controlPaid-in-Full Discount
Go Green Vehicle DiscountPassive Restraint/Airbags Discount
Good Student DiscountPrior Insurance Discount
Multi-Vehicle DiscountResident Discount
Pay in Full DiscountSr. Operator Defensive Driving Course Discount

Pros & Cons of Utica National & Kemper

Pros

Utica National
  • Utica National Insurance is a financially stable company.
  • The company is one of the largest insurance companies in the United States.
  • It’s easy to report a claim - the company has a 24/7/365 service available and you can start the claim process through phone, online, fax or mail.
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

Utica National
  • The company is not considered low-priced by those who have tickets or accidents on their record.
  • Utica National doesn’t offer an online quote. Visit here for online quotes.
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.

Utica National or Kemper Mobile Apps Options

Wheel Focused™ on iTunes and Google Play is available to download, regardless of what carrier you may have. The app is designed to improve driving behaviors through real-time feedback.

Kemper does not currently have a mobile app.

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

Utica National & Kemper Contact Info

Utica National Contact Info
Address180 Genesee St, New Hartford, NY 13413
Phone1-800-589-8422
Websitehttps://www.uticanational.com/
Facebookhttps://www.facebook.com/uticanational/
Linkedinhttps://www.linkedin.com/company/uticanational/
Twitterhttps://twitter.com/uticanational
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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