Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Aug 19, 2021

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Key takeaways...

  • Direct customer service is what Unitrin Direct offers, no independent insurance agents
  • Unitrin Direct Insurance Company has over six million policyholders, an excellent financial rating, and over $8 billion in assets
  • Unitrin Direct has multiple car insurance options and discounts to choose from
  • Unitrin Direct now goes by the name Kemper Direct and is a part of the Kemper Corporation

This review shows that Unitrin Direct is a direct auto insurance provider. Direct auto insurance does not use independent insurance agents. By dealing directly with customers, Unitrin Direct can offer more competitive rates.

Unitrin Direct boasts over six million policyholders, an A- (Excellent) rating from the leading ratings provider for car insurance companies, A.M. Best, and over $8 billion in assets.

Unitrin Direct is now known as Kemper Direct since it became a part of the Kemper Corporation, one of the nation’s leading financial service providers.

Enter your ZIP code above and compare at least three to four policies today to find the best and most affordable car insurance rates!

What kinds of coverage does Unitrin Direct/Kemper Direct offer?

Unitrin Direct, now called Kemper Direct auto insurance, offers the following types of coverage:

  • GAP insurance
  • Collision
  • Bodily injury liability
  • Medical payments coverage
  • Personal injury protection
  • Comprehensive coverage
  • Stacked coverage
  • Property damage liability
  • Uninsured/underinsured motorist coverage
  • Towing and labor coverage
  • Accident forgiveness

As you can see, if you’re interested in Kemper Direct auto insurance, the company offers the standard coverages like liability insurance and collision insurance, as well as a variety of optional coverages you can add to get the exact plan and level of coverage you need.

Kemper Direct auto insurance also provides coverage to high-risk drivers that may find it challenging to secure insurance elsewhere because of infractions on their driving record, poor credit, or a lapse in coverage.

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How can you save money on Unitrin Direct/Kemper Direct insurance?

Like most insurance companies, Kemper Direct offers a variety of discounts that can help you save money on car insurance. The multiple types of car insurance discounts that Kemper Direct offers means that their auto insurance policies can fit into any budget. Some of these discounts are:

  • Multi-car policy discount
  • Homeowner discount
  • Multi-policy discount
  • Group discount
  • Loyalty discount
  • Military discount
  • Good insurance history discount
  • Mature driver discount
  • Driver improvement discount
  • Distant student discount
  • Affinity discount
  • Safety features discount

Safe driver discounts are also offered to auto insurance policyholders who file minimal claims.

The company’s flexible payment options allow you to decide exactly when and how to pay your monthly insurance premium.

If you’re interested in getting better and more affordable car insurance, enter your ZIP code below and start comparison shopping today!


  1. https://direct.kemper.com/home.aspx
  2. https://wallethub.com/edu/types-of-car-insurance/9636/
  3. https://budgeting.thenest.com/stacked-vs-unstacked-auto-insurance-29632.html
  4. https://www.thebalance.com/how-do-i-get-a-multi-car-discount-527538
  5. https://www.thebalance.com/car-insurance-discounts-for-students-527530