Unitrin Auto and Home Insurance Company Review [2024]

Unitrin Auto and Home Insurance Company, now merged into Kemper Direct, provides competitive auto insurance rates and offers savings when bundling with home insurance, along with the option to combine life insurance under Kemper's comprehensive coverage.

UPDATED: Jan 29, 2024Fact Checked

Jeff Root

Licensed Insurance Agent

Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading...

Licensed Insurance Agent

Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Insurance & Finance Analyst

UPDATED: Jan 29, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Jan 29, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Jan 29, 2024Fact Checked
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Unitrin Auto & Home Insurance Company

Average monthly rate for good drivers:

N/A

A.M. Best rating:

A-

Complaint level:

Low

Pros

  • Offers various insurance policies
  • Competitive rates
  • Kemper rated A- with A.M. Best for financial strength
  • Provides home insurance with personal liability protection

Cons

  • Available in only 26 states
  • Limited information about customer satisfaction levels

Final Verdict: Review of Unitrin Auto & Home Insurance Company

Small companies can sometimes provide the best insurance experience to local clients with many needs. A company like Unitrin Auto & Home Insurance Company might be a great example of that. We know there are tons of decisions to make when shopping for insurance, and you need someone you can trust.

You may still need to gauge how much you can trust a company. We can guarantee that we can ease the insurance decision-making process if you’re considering the Unitrin Auto and Home Insurance Company. This includes the Unitrin Auto and Home Insurance Company’s phone number and the best auto insurance rates.

Before you buy Unitrin Auto and Home Insurance Company insurance directly, see how easy it is to save money on auto and home insurance by entering your ZIP code in our FREE quote tool above. Compare rates now.

Small companies can sometimes provide the best insurance experience to local clients with many needs. A company like Unitrin Auto & Home Insurance Company might be a great example of that. We know there are tons of decisions to make when shopping for insurance, and you need someone you can trust. You may still need to gauge how much you can trust a company. We can guarantee that we can ease the insurance decision-making process if you’re considering the Unitrin Auto and Home Insurance Company. This includes the Unitrin Auto and Home Insurance Company’s phone number and the best auto insurance rates. Before you buy Unitrin Auto and Home Insurance Company insurance directly, see how easy it is to save money on auto and home insurance by entering your ZIP code in our FREE quote tool above. Compare rates now.

What You Should Know About Unitrin Direct

Unitrin Auto & Home Insurance company was part of a significant buyout and is now a part of Kemper Corporation. Unitrin had many affiliates like Unitrin Direct Auto, Unitrin Direct Insurance, and Unitrin Safeguard Insurance Company.

Kemper Corporation keeps growing as we saw other policyholders asking similar questions in 2008. Who owns Kemper Insurance Company? Does Kemper own Infinity Insurance? Kemper Insurance took over Infinity Insurance, too. According to Business Wire, Kemper rated an A- with A.M. Best for financial strength.

Read more: Kemper Auto Insurance Review

Unitrin Auto and Home Insurance Company Insurance Policies

Unitrin Auto and Home Insurance Company insurance rates and policies are designed to suit policyholder needs. Kemper Corporation offers auto, health, homeowners, condo, life, and more insurance policies. Kemper typically compares with well-known industry competitors.

Average Monthly Unitrin Auto Insurance Rates vs Competitors
CompanyAverage Annual Rate (Male, Age 30)
Progressive$245
Geico$329
Unitrin Auto (Kemper Direct)$337
Allstate$354

Unitrin Auto and Home Insurance Company also provide home insurance with personal liability protection to protect your home and everyone under your roof.

You can save $56 per month ($668 per year) on Unitrin Auto Insurance when you bundle with other insurance products.

This can even protect you against objects that fall from your neighbor’s property and vice versa.

What is Kemper’s health insurance? Kemper health insurance assists policyholders with medical expenses such as doctors’ visits, x-rays, or even medications. They offer traditional health coverage, home health, supplemental vision and dental, and more.

Unitrin Auto and Home Insurance Company Life Insurance

Are you looking for Unitrin life insurance? You can choose between variations of whole life insurance and term life insurance with Kemper Life.

Whole life insurance with Kemper Life can be paid over a set timeframe but still provides you with life insurance coverage. These policies also build cash value, so there is equity involved.

Kemper Life also offers term life insurance of 10, 20, or 30 years. These policies do not include cash value but are more cost-efficient for those that need cheap life insurance.

How do I file a claim with Unitrin Auto and Home Insurance Company?

Unitrin Auto and Home Insurance Company claims can now be filed quickly using the Kemper website. The Unitrin Auto and Home Insurance Company in Jacksonville, FL, has been relocated to the Kemper Corp headquarters in St. Louis, MO.

Speak with Unitrin Auto and Home Insurance customer service using the Unitrin Auto and Home Insurance Company phone number at 1-904-245-5600. However, keep in mind the Unitrin Auto and Home Insurance Company contact will redirect you to Kemper Corporation customer service.

Unitrin Direct Insurance Coverage Options

With Unitrin Auto and Home Insurance Company, now part of Kemper Direct. From competitive auto insurance rates to comprehensive home, life, and health insurance choices, policyholders can unlock potential savings and tailor their coverage for a well-rounded and secure insurance portfolio.

  • Auto Insurance: Unitrin Auto and Home Insurance Company, now part of Kemper Direct, offers competitive auto insurance rates. Policyholders can benefit from potential savings by bundling auto insurance with home insurance.
  • Home Insurance: Kemper Corporation, overseeing Unitrin, provides comprehensive home insurance coverage. Policyholders can safeguard their homes and belongings, including personal liability protection.
  • Life Insurance: Kemper Direct offers a range of life insurance options, allowing policyholders to choose between whole life and term life insurance. Whole life insurance provides coverage over a set timeframe, with the added benefit of building cash value. Term life insurance, available for 10, 20, or 30 years, offers a cost-efficient option for those seeking affordable coverage.
  • Health Insurance: Kemper’s health insurance policies assist policyholders with medical expenses, including doctor visits, x-rays, and medications. The coverage includes traditional health coverage, home health, supplemental vision and dental, among other options.

What is Unitrin Auto and Home Insurance Company’s availability by state?

Since Unitrin has merged with Kemper Corporation, the availability of what was once Unitrin insurance has changed. Kemper auto insurance policies are available for purchase in 26 states, including larger states like California, New York, and Florida. Affordable Unitrin Auto and Home Insurance Company insurance may be available in your state.

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Unitrin Direct Insurance Rates Breakdown

Driver ProfileUnitrin Auto and Home InsuranceNational Average
Clean Record$91$119
1+ Ticket$129$147
1+ Accident$172$173
DUI$199$209
Poor Credit$156$205

*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver

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Unitrin Direct Discounts Available

DiscountsUnitrin Auto and Home Insurance
Anti Theft12%
Good Student18%
Low Mileage14%
Paperless8%
Safe Driver24%
Senior Driver14%

Unitrin Direct, now Kemper Direct, offers both individual and group car insurance policies. With competitive rates, Kemper auto insurance also offer discounts to policyholders such as:

  • Advanced premium payments
  • Larger deductibles
  • Safe driver discounts
  • Club and organization discounts (i.e., AARP)
  • Multiple car discounts

Unitrin Auto and Home Insurance Company: The Bottom Line

Kemper Corporation is a trusted insurance provider that could meet your needs. If they are in your state, you could have health, life, auto, and other insurance policies all under one small company.

If you need to make a claim, contact Unitrin auto insurance phone number. Don’t worry about reaching the right place. The Unitrin auto insurance claims phone number is the same as the customer service number.

Compare Unitrin Auto and Home Insurance Company with other companies in your local area by entering your ZIP code in the FREE quote tool below.

How Unitrin Direct Ranks Among Providers

Unitrin, now merged into Kemper Direct, emerges as a formidable competitor in the insurance market, excelling with a diverse range of products, streamlined processes, and substantial bundling savings, positioning itself alongside industry leaders:

Geico: Geico is known for catchy advertising and competitive rates, appealing to cost-conscious consumers. However, its online and phone-based model may not suit those preferring face-to-face interactions, and coverage options can vary by location.

State Farm: As the largest U.S. auto insurer, State Farm provides stability and widespread availability. While offering comprehensive coverage options, it comes with higher premiums compared to some competitors, and the agent-dependent service model may lead to variations in customer experiences.

Progressive: Progressive excels online, providing a seamless digital experience for quotes, claims, and policy management. Its innovative pricing model, including usage-based insurance programs like Snapshot, offers potential discounts based on driving behavior. However, Progressive may not consistently offer the lowest rates for all driver profiles.

Allstate: With a nationwide presence, Allstate ensures consistent service and offers various discount programs. However, its comprehensive coverage options may result in higher premiums compared to some competitors. Mixed customer service reviews indicate variability in satisfaction, especially concerning claim resolutions and overall service experience.

Unitrin, now with Kemper Direct, competes with diverse insurance offerings, streamlined processes, and notable bundling savings. Its merger enhances its standing as a trusted provider, underscored by a favorable A- rating for financial strength, positioning it as a formidable contender in the insurance market alongside Geico, State Farm, Progressive, and Allstate.

Read more: Unitrin Direct Insurance Company Review

Efficient Claims Process With Unitrin Auto and Home Insurance Company: Online, Phone, and Mobile Options

Navigating the insurance claims process is a crucial aspect of policyholder satisfaction. Unitrin Auto and Home Insurance Company, now integrated into Kemper Direct, strives to make the claims experience seamless and efficient.

Ease of Filing a Claim

Policyholders can file claims conveniently through various channels, including online platforms, over the phone, and potentially through mobile apps. This multi-channel approach ensures flexibility for users, allowing them to choose the method that best suits their preferences and circumstances.

Average Claim Processing Time

Unitrin, under Kemper Direct, is committed to swift claim processing. The average time to process claims is a critical factor for policyholders seeking timely resolutions. Whether it’s for auto, home, life, or health insurance, the company aims to streamline the claims process, minimizing delays and providing quick assistance during critical times.

Customer Feedback on Claim Resolutions and Payouts

Customer satisfaction is paramount in the claims resolution process. Insights into policyholders’ experiences with claim resolutions and payouts are invaluable. Customer feedback serves as a barometer for the effectiveness of the claims process, shedding light on the company’s commitment to fair, efficient, and satisfactory outcomes.

Seamless Insurance Management: Unlocking Digital and Technological Features With Unitrin Auto and Home Insurance Company

In an era driven by digital advancements, insurance providers are increasingly incorporating technological features to enhance user experience. Unitrin Auto and Home Insurance Company, now part of Kemper Direct, offers a suite of digital tools and features designed to empower policyholders.

Mobile App Features and Functionality

Kemper Direct’s mobile app is a gateway to on-the-go insurance management. The app may feature functionalities such as policy access, claims filing, and real-time updates. Users can potentially enjoy the convenience of managing their insurance portfolio directly from their mobile devices, providing flexibility and accessibility.

Online Account Management Capabilities

Policyholders benefit from robust online account management capabilities. This feature allows users to access and manage their insurance accounts through secure online portals. From policy details to billing and claims information, online account management ensures transparency and control over insurance-related matters.

Digital Tools and Resources

Kemper Direct may provide an array of digital tools and resources to support policyholders in understanding and managing their insurance coverage. This could include educational resources, interactive tools for coverage assessment, and potentially real-time alerts or updates to keep users informed and engaged in their insurance journey.

Embracing digital and technological features is integral to providing a modern, user-centric insurance experience, and Unitrin, now integrated into Kemper Direct, strives to offer a suite of tools that align with the evolving needs and expectations of policyholders.

Frequently Asked Questions

What changes have occurred with Unitrin Auto and Home Insurance Company, and how does it relate to Kemper Direct?

Unitrin Auto and Home Insurance Company has officially merged into Kemper Direct, providing policyholders access to a broader range of insurance options under the Kemper umbrella.

Are there benefits to bundling auto and home insurance with Unitrin, now Kemper Direct?

Yes, policyholders can potentially save on insurance costs by bundling auto and home insurance with Kemper Direct, with the potential for significant monthly savings.

Can life insurance be bundled with auto and home coverage under Kemper’s offerings?

Absolutely. Kemper Direct allows policyholders to bundle life insurance with their auto and home coverage, providing a comprehensive approach to insurance needs.

How do Kemper’s insurance policies compare with other industry competitors?

Kemper Corporation, now overseeing Unitrin, is a trusted insurance provider with a favorable A- rating for financial strength from A.M. Best, offering competitive rates and a range of coverage options.

What life insurance options does Unitrin Auto and Home Insurance Company offer?

You can choose between variations of whole life insurance and term life insurance with Kemper Life. Whole life insurance with Kemper Life can be paid over a set timeframe but still provides you with life insurance coverage. These policies also build cash value, so there is equity involved. Kemper Life also offers term life insurance of 10, 20, or 30 years. These policies do not include cash value but are more cost-efficient for those that need cheap life insurance.

How has the merger affected the availability of Unitrin Auto and Home Insurance Company’s policies by state?

With the merger, policies are now offered under Kemper Direct, available for purchase in 26 states, including larger ones like California, New York, and Florida.

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Jeff Root

Licensed Insurance Agent

Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading...

Licensed Insurance Agent

Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Insurance & Finance Analyst

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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