Auto-Owners vs Kemper Car Insurance for 2023

When it comes to car insurance, there are many companies to choose from. Two of the most popular car insurance companies are Auto-Owner car insurance and Kemper car insurance.

In this review, we will compare these two companies to help you determine which one is better for you. Here are some interesting attributes of these companies to get you started:

• homes, cars, and businesses.
• Kemper offers a variety of insurance products, including car, home, and renters insurance.
• Both companies have received high ratings from A.M. Best, a credit rating agency that evaluates the financial strength of insurance companies.

Now, let’s dive into the details of these two insurance companies and compare their car insurance offerings.

History and Mission: Auto-Owners vs Kemper

Auto-Owners Insurance was founded in 1916 in Michigan, USA. The company started by offering car insurance to farmers, who were considered a high-risk group at the time. Since then, Auto-Owners has expanded its services to cover other insurance products such as home and business insurance. Their mission is to provide their customers with high-quality insurance products and outstanding customer service.

Kemper Insurance, on the other hand, was founded in 1990 in Chicago, USA. Kemper was formed by the merger of several insurance companies, including Lumbermens Mutual Casualty Company and United Insurance Company of America. Kemper’s mission is to provide affordable insurance products that meet their customers’ needs.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Products and Services Offered at Auto-Owners vs Kemper

Auto-Owners and Kemper offer a range of insurance products and services in addition to car insurance. Let’s take a closer look at what each company offers.

Auto-Owners Insurance Products and Services:

• Home Insurance: Auto-Owners provides coverage for homes, condos, and renters. They offer coverage for damage caused by fire, theft, natural disasters, and more.
• Business Insurance: Auto-Owners offers a range of insurance products for small and medium-sized businesses, including liability insurance, property insurance, and workers’ compensation insurance.
• Life Insurance: Auto-Owners provides coverage for term life insurance, whole life insurance, and universal life insurance.
• Umbrella Insurance: Auto-Owners offers additional liability coverage that goes beyond the limits of your standard policies.

Kemper Insurance Products and Services:

• Home Insurance: Kemper provides coverage for homes, condos, and renters. They offer coverage for damage caused by fire, theft, natural disasters, and more.
• Renters Insurance: Kemper offers insurance coverage for renters to protect their personal belongings and provide liability coverage.
• Personal Insurance: Kemper offers insurance products such as personal umbrella insurance, identity fraud insurance, and pet insurance.
• Other Insurance: Kemper provides additional insurance products such as boat insurance, RV insurance, and motorcycle insurance.

Both Auto-Owners and Kemper offer a range of insurance products and services to meet the needs of their customers. It’s important to note that the availability of these products and services may vary depending on the state you live in. We recommend checking with the company directly to see what products and services are available in your area.

Cost of Insurance

Determining the exact cost of insurance for Auto-Owners and Kemper can be challenging, as insurance premiums are calculated based on a variety of factors, including your age, driving record, location, and the type of car you drive. However, we can provide some general information about the cost of car insurance from these companies.

Auto-Owners is known for offering competitive rates for their car insurance policies. According to some studies, Auto-Owners is among the most affordable car insurance companies in the United States. However, as we mentioned earlier, the exact cost of your insurance premium will depend on your individual circumstances.

Kemper also offers competitive rates for their car insurance policies, and they have a range of discounts available to help lower your premium. For example, Kemper offers discounts for good drivers, bundling multiple insurance policies, and having certain safety features installed in your car.

Both Auto-Owners and Kemper offer competitive rates for their car insurance policies, and the cost of insurance will depend on your individual circumstances. We recommend getting quotes from both companies, as well as other insurance providers, to determine which one offers the best coverage at the most affordable price for you.

States Where Auto-Owners and Kemper Offers Coverage

Auto-Owners and Kemper both offer car insurance coverage in a number of states across the United States. However, the specific states where each company offers coverage may vary.

Keep in mind that insurance coverage options and rates can vary based on your location, driving history, and other factors. We recommend contacting each company directly or visiting their website to confirm the coverage options and rates available in your state.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Discount Options

Both Auto-Owners and Kemper offer a variety of discounts to help drivers save money on their car insurance premiums. Here’s an overview of some of the discounts available from each company:

Auto-Owners Discounts:

• Multi-Policy Discount: Auto-Owners offers a discount if you have more than one policy with the company, such as car insurance and homeowners insurance.
• Safe Driver Discount: If you have a good driving record with no accidents or violations, you may be eligible for a discount.
• Multiple Vehicle Discount: If you have more than one vehicle on your policy, you may be eligible for a discount.
• Teen Driver Discount: If you have a teen driver on your policy who is a good student, you may be eligible for a discount.
• Green Discount: If you drive a hybrid or electric vehicle, you may be eligible for a discount.
• Paid-in-Full Discount: If you pay your premium in full instead of in monthly installments, you may be eligible for a discount.
• Group Discount: Auto-Owners offers discounts to members of certain groups, such as employees of certain companies or members of certain associations.

Kemper Discounts:

• Multi-Car Discount: Kemper offers a discount if you have more than one car on your policy.
• Safe Driver Discount: If you have a good driving record with no accidents or violations, you may be eligible for a discount.
• Good Student Discount: If you are a student with good grades, you may be eligible for a discount.
• Anti-Theft Discount: If your car has anti-theft features, such as an alarm or tracking system, you may be eligible for a discount.
• Paid-in-Full Discount: If you pay your premium in full instead of in monthly installments, you may be eligible for a discount.
• Loyalty Discount: If you have been with Kemper for a certain period of time, you may be eligible for a discount.
• Group Discount: Kemper offers discounts to members of certain groups, such as employees of certain companies or members of certain associations.

We recommend contacting each company directly or visiting their website to learn more about the discounts available to you. Additionally, some discounts may not be available in all states or may have different names or eligibility requirements.

Customer Reviews

Auto-Owners has generally positive reviews from customers and is known for its strong customer service. According to J.D. Power’s 2020 U.S. Auto Insurance Study, Auto-Owners received an overall satisfaction rating of 4 out of 5, which is above average. In addition, Auto-Owners has an A+ rating from the Better Business Bureau (BBB), indicating a high level of customer satisfaction.

Kemper has mixed reviews from customers, with some praising the company’s affordable rates and others criticizing its customer service. According to J.D. Power’s 2020 U.S. Auto Insurance Study, Kemper received an overall satisfaction rating of 3 out of 5, which is average. Kemper has a B+ rating from the Better Business Bureau (BBB), indicating a moderate level of customer satisfaction.

We recommend researching customer reviews and ratings for both Auto-Owners and Kemper in your specific area to get a better sense of how the companies are perceived by customers in your region.

In Summary: Auto-Owners vs Kemper

In conclusion, both Auto-Owners and Kemper are established insurance companies with a long history of providing various insurance products and services to customers across the United States. Both companies offer a range of coverage options, including liability, collision, and comprehensive coverage, as well as various types of discounts to help customers save money on their insurance premiums.

Choosing the right car insurance company will depend on your individual needs and priorities. We recommend comparing rates and coverage options from multiple insurance companies, including Auto-Owners and Kemper, to find the best fit for your specific situation.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption