Unitrin Insurance Review & Ratings (2024)

The average annual expense for liability coverage with Unitrin Insurance is approximately $42 monthly while the average annual expense for collision coverage is approximately $29 per month. Our Unitrin Insurance review highlights the company's affordable rates and overall excellent customer service.

UPDATED: Dec 4, 2023Fact Checked

Melissa Morris

Professor of Nutrition & Kinesiology

Melissa Morris has a BS and MS in exercise science and a doctorate in educational leadership. She is an ACSM certified exercise physiologist and an ISSN certified sports nutritionist. She teaches nutrition and applied kinesiology at the University of Tampa. She has been featured on Yahoo, HuffPost, Eat This, Bulletproof, LIVESTRONG, Toast Fried, The Trusty Spotter, Best Company, Healthl...

Professor of Nutrition & Kinesiology

Schimri Yoyo

Licensed Agent & Financial Advisor

Schimri Yoyo is a financial advisor with active life and health insurance licenses in seven states and over 20 years of experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity.  Schimri is an educator eager to assist individuals and families in ...

Licensed Agent & Financial Advisor

UPDATED: Dec 4, 2023

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 company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies 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 insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

UPDATED: Dec 4, 2023

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 company and cannot guarantee quotes from any single insurance company.

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

UPDATED: Dec 4, 2023Fact Checked
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Unitrin Insurance

Average monthly rate for good drivers:

$100

A.M. Best rating:

A-

Complaint level:

Low

Pros

  • Diverse Coverage Options
  • Transparent Pricing
  • Excellent Customer Service
  • Loyalty Discounts
  • Streamlined Claims Process

Cons

  • Limited Online Presence
  • Limited Discounts for New Customers
  • Limited Availability
  • Limited Mobile App Features
  • Limited Educational Resources

Final Verdict: Review of Unitrin Insurance

Unitrin Insurance is a subsidiary of Kemper Auto, offering car insurance coverage to customers in several states across the US. The company’s mission is to provide affordable, reliable coverage and excellent customer service to its policyholders.

Customers can choose from several coverage options, including liability, collision, and comprehensive coverage, with discounts available for safe driving, multiple vehicles, and other factors.

While the company has received mixed reviews on its claims process and coverage options, many customers report positive experiences with its competitive rates and helpful customer service representatives.

If you’re interested in getting a quote for car insurance coverage from Unitrin Insurance (under the Kemper Auto brand), you can visit the Kemper Auto website and enter your ZIP code to see coverage options and pricing for your state.

What You Should Know About Unitrin Insurance

  • Liability coverage costs about $42 per month on average annually.
  • Collision coverage costs about $29 monthly on average annually.
  • Provides budget-friendly rates and outstanding customer service.

Unitrin Insurance can provide you with whatever kind of insurance you need, whether it be for your car, house, life, or business. Simply input your zip code to compare prices from the finest insurance companies in your neighborhood. Take charge of your insurance requirements right away and snag the coverage that’s right for you.

Unitrin Insurance History and Mission

Unitrin Insurance has a long history in the insurance industry, dating back to 1900 when it was founded as the United Insurance Company of America. Over the years, the company has undergone several changes, including a merger with Trinity Universal Insurance Company in 1990 to form Unitrin Inc.

In 2010, Unitrin Inc. was acquired by Kemper Corporation, a leading provider of property and casualty insurance, and today, Unitrin Insurance operates under the Kemper Auto brand.

Read more: Kemper Car Insurance Discounts

The mission of Unitrin Insurance is to provide affordable and reliable coverage to their customers. They aim to make the car insurance process as simple and straightforward as possible, offering a wide range of coverage options to meet the needs of different drivers.

They also strive to provide excellent customer service, with 24/7 claims reporting and customer service hotline, as well as an online portal for policy management and payments. Overall, Unitrin Insurance aims to be a trusted and accessible provider of car insurance coverage.

Unitrin Insurance Coverage Options

Unitrin Insurance offers a range of coverage options to meet the needs of different drivers. These options include:

  • Liability coverage: This coverage protects the insured driver in case they are found to be at fault in an accident that results in bodily injury or property damage to another person.
  • Collision coverage: This coverage pays for repairs to the insured driver’s car if it is damaged in a collision with another vehicle or object.
  • Comprehensive coverage: This coverage pays for damage to the insured driver’s car that is not caused by a collision, such as theft, vandalism, or natural disasters.
  • Personal injury protection (PIP): This coverage pays for medical expenses and lost wages for the insured driver and their passengers if they are injured in an accident, regardless of who is at fault.
  • Uninsured/Underinsured motorist coverage: This coverage protects the insured driver if they are involved in an accident with a driver who does not have insurance or does not have enough insurance to cover the damages.

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Unitrin Insurance Rates Breakdown

The cost of car insurance coverage from Unitrin Insurance can vary depending on several factors, including the driver’s age, location, driving record, and the level of coverage selected. However, here is a breakdown of the potential cost of Unitrin Insurance:

  • Liability coverage: The average cost for liability coverage from Unitrin Insurance is around $508 per year, or $42 per month.
  • Collision coverage: The average cost for collision coverage from Unitrin Insurance is around $348 per year, or $29 per month.
  • Comprehensive coverage: The average cost for comprehensive coverage from Unitrin Insurance is around $188 per year, or $16 per month.
  • Personal injury protection (PIP): The average cost for PIP coverage from Unitrin Insurance is around $256 per year, or $21 per month.
  • Uninsured/Underinsured motorist coverage: The average cost for uninsured/underinsured motorist coverage from Unitrin Insurance is around $144 per year, or $12 per month.

States Where Unitrin Insurance Is Provided

Unitrin Insurance, operating under the Kemper Auto brand, provides car insurance coverage in several states across the United States. The major states where Unitrin Insurance is available include:

  • California
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Minnesota
  • Missouri
  • Nebraska
  • Ohio
  • Oregon
  • Pennsylvania
  • Texas
  • Virginia
  • Wisconsin

If you’re interested in finding out whether Unitrin Insurance offers coverage in your state, here are the six steps you can follow:

  1. Visit the Kemper Auto website: Unitrin Insurance operates under the Kemper Auto brand, so you’ll need to visit the Kemper Auto website to find out more information about their coverage options.
  2. Click on the “Get a Quote” button: On the Kemper Auto homepage, you’ll see a button that says “Get a Quote”. Click on this button to start the process of getting a quote for car insurance coverage.
  3. Enter your ZIP code: The Kemper Auto website will prompt you to enter your ZIP code. This is important because coverage options and pricing can vary by state, so the website needs to know your location to provide accurate information.
  4. Enter your personal information: Once you’ve entered your ZIP code, you’ll be prompted to enter some personal information, such as your name, address, and driver’s license number. This information will be used to provide you with a quote for car insurance coverage.
  5. Review coverage options and pricing: After you’ve entered your personal information, the Kemper Auto website will provide you with a quote for car insurance coverage. This quote will include information about the types of coverage available, as well as pricing information.
  6. Contact a Kemper Auto agent: If you’re interested in purchasing car insurance coverage from Unitrin Insurance (under the Kemper Auto brand), you can contact a Kemper Auto agent for more information about coverage options and to purchase a policy.

Unitrin Insurance Discounts Available

Unitrin Insurance offers various discounts and savings opportunities to help drivers save money on their car insurance coverage. Some of the most common discounts include:

  • Multi-car discount: Drivers who insure more than one car with Unitrin Insurance can receive a discount on their overall premium.
  • Safe driver discount: Drivers who have a good driving record with no accidents or moving violations within a certain timeframe can receive a discount on their premium.
  • Defensive driving discount: Drivers who have completed a state-approved defensive driving course can receive a discount on their premium.
  • Student discount: Drivers who are full-time students and maintain good grades can receive a discount on their premium.
  • Homeowner discount: Drivers who own a home can receive a discount on their premium.
  • Paid-in-full discount: Drivers who pay their entire premium upfront can receive a discount on their premium.
  • Automatic payment discount: Drivers who enroll in automatic payment for their premium can receive a discount on their premium.

Seamless Claims Process With Unitrin Insurance

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

Unitrin Insurance aims to simplify the claims process for its customers by offering multiple convenient methods for filing a claim. Policyholders can choose to file a claim online through the company’s user-friendly website, over the phone by contacting their 24/7 claims reporting hotline, or even through mobile apps for added convenience.

This flexibility in claims reporting allows customers to select the method that best suits their preferences and circumstances, making it easier to initiate the claims process promptly.

Average Claim Processing Time

The efficiency of the claims process is crucial for customers during their time of need. Unitrin Insurance understands this and strives to provide a swift resolution to claims.

While specific processing times may vary depending on the complexity of the claim, the company is committed to processing claims as efficiently as possible. Policyholders can expect timely updates on the status of their claims to ensure transparency throughout the process.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback is invaluable when assessing an insurance company’s performance in handling claims. Unitrin Insurance encourages policyholders to share their experiences with claim resolutions and payouts.

While opinions may differ based on individual circumstances, many customers have reported positive experiences with Unitrin’s competitive rates and helpful customer service representatives during the claims process. This feedback provides valuable insights into the company’s commitment to customer satisfaction and its ability to deliver on its promises.

Exploring Unitrin Insurance Cutting-Edge Digital and Technological Features

Mobile App Features and Functionality

Unitrin Insurance recognizes the importance of digital tools in enhancing the customer experience. The company offers a mobile app with a range of features and functionalities to make managing insurance policies more convenient.

Policyholders can use the app to access their policy information, make payments, and even file claims from the palm of their hand. This mobile app empowers customers to have greater control over their insurance needs while on the go.

Online Account Management Capabilities

For those who prefer managing their insurance policies through a web-based platform, Unitrin Insurance provides an online account management system. This platform allows customers to easily access and update their policy details, review billing information, and monitor claims status.

The user-friendly interface ensures that policyholders can efficiently navigate their accounts and make necessary adjustments without hassle.

Digital Tools and Resources

Unitrin Insurance goes beyond the basics, offering a variety of digital tools and resources to help customers make informed decisions about their coverage.

These resources may include informative articles, insurance calculators, and educational materials to assist customers in understanding their insurance options better. By providing these digital tools, Unitrin aims to empower its policyholders with the knowledge they need to make confident choices when it comes to their insurance coverage.

How Unitrin Insurance Ranks Among Providers

In the highly competitive insurance industry, Unitrin Insurance, now a part of Kemper Corporation, faces notable contenders. Understanding the strengths and weaknesses of its main competitors provides valuable insights into the dynamic landscape.

Geico:

  • Extensive advertising, competitive pricing, strong online presence.
  • Limited personalized customer service.

State Farm:

  • Largest insurance provider, comprehensive products, strong financial standing.
  • Higher premiums, limited discounts.

Progressive:

  • Innovative approach, personalized pricing, user-friendly apps.
  • Less personalized service.

Allstate:

  • Well-established, broad product range, local agent service.
  • Higher premiums, limited discounts.

Liberty Mutual:

  • Variety of coverage options, strong financial standing, customizable policies.
  • Higher premiums, less advanced online tools.

Customer Reviews of Unitrin Insurance

When considering car insurance providers, it’s always a good idea to read customer reviews to get an idea of the company’s strengths and weaknesses. Here’s an overview of customer reviews of Unitrin Insurance:

Strengths:

  • Affordable rates: Many customers praise Unitrin Insurance for its competitive rates and the ability to find affordable coverage.
  • Easy to work with: Several customers mention that Unitrin Insurance is easy to work with, whether they need to file a claim or make changes to their policy.
  • Good customer service: Many customers report positive experiences with Unitrin Insurance’s customer service representatives, who are knowledgeable and helpful.

Weaknesses:

  • Mixed reviews on claims process: While some customers report positive experiences with the claims process, others have had difficulty getting claims approved or getting timely responses from the company.
  • Limited coverage options: Some customers report that Unitrin Insurance’s coverage options are limited, particularly when compared to larger insurance providers.
  • Difficulty cancelling policies: A few customers report difficulties cancelling policies or receiving refunds for unused coverage.

Frequently Asked Questions

What is Unitrin Insurance?

Unitrin Insurance is a subsidiary of Kemper Corporation, offering personal and commercial insurance policies in the United States.

What types of insurance does Unitrin offer?

Unitrin offers a range of personal and commercial insurance policies including auto, home, renters, condo, boat, motorcycle, RV, business owners, and commercial auto insurance.

Is Unitrin a reputable insurance company?

Unitrin Insurance has an A+ rating from the Better Business Bureau and an A- financial strength rating from A.M. Best, indicating that the company is financially stable and able to meet its insurance obligations.

How can I get a quote from Unitrin?

To get a quote from Unitrin, you can visit their website or call their customer service hotline to speak with a representative.

What factors affect the cost of insurance with Unitrin?

The cost of insurance with Unitrin is affected by a variety of factors including your age, driving history, credit score, location, and the type of coverage you need.

How can I make a claim with Unitrin?

To make a claim with Unitrin, you can call their claims hotline or file a claim online through their website.

Does Unitrin offer discounts on insurance policies?

Yes, Unitrin offers a range of discounts on their insurance policies, including safe driver discounts, multi-policy discounts, and discounts for good students.

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Melissa Morris

Professor of Nutrition & Kinesiology

Melissa Morris has a BS and MS in exercise science and a doctorate in educational leadership. She is an ACSM certified exercise physiologist and an ISSN certified sports nutritionist. She teaches nutrition and applied kinesiology at the University of Tampa. She has been featured on Yahoo, HuffPost, Eat This, Bulletproof, LIVESTRONG, Toast Fried, The Trusty Spotter, Best Company, Healthl...

Professor of Nutrition & Kinesiology

Schimri Yoyo

Licensed Agent & Financial Advisor

Schimri Yoyo is a financial advisor with active life and health insurance licenses in seven states and over 20 years of experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity.  Schimri is an educator eager to assist individuals and families in ...

Licensed Agent & Financial Advisor

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

Free Insurance Comparison

Compare quotes from the top insurance companies and save!

secured lock Secured with SHA-256 Encryption