| Carrier | Rate Change | Policyholders | Eff. Date | Filing # |
|---|---|---|---|---|
| Kemper | +41.5% | 19K | 5/25/26 | UTRN-134957968 → |
| State Farm | −9.4% | 3.3M | 12/4/25 | SFMA-134704563 → |
| Country Financial | −8.0% | 242K | 6/24/26 | CFPC-134932067 → |
| Progressive | −5.3% | 746K | 8/15/25 | PRGS-134633994 → |
If your Kemper renewal in Illinois jumped, here is the source: Kemper filed for a rate increase (SERFF UTRN-134957968) and Illinois regulators approved +41.5%. These are approved filings from the public SERFF system — not estimates — and each links to its filing.
A +41.5% increase — and Kemper’s own actuaries backed it
Unlike most large increases, there is no gap here between what Kemper asked for and what it took: the indicated need was +41.7% and the approved change was +41.5%. That means Kemper’s loss experience on this Illinois book genuinely ran far ahead of its prices — the kind of correction that shows up on books serving higher-risk or non-standard drivers. It also means the increase is unlikely to reverse: this is Kemper catching up, not overshooting.
Meanwhile, Illinois is broadly cutting
The contrast could hardly be sharper. State Farm, the state’s largest insurer, cut −9.4% across 3.3 million Illinois policyholders; Country Financial cut −8.0%; Progressive cut −5.3%. If Kemper just raised you 41%, the odds that another carrier will price you dramatically lower are high — higher than in almost any other situation.
The one stat that matters: Kemper is raising Illinois +41.5% while State Farm cut 3.3 million Illinoisans −9.4% and Progressive cut too. Compare every carrier for your exact ZIP →
A 41% jump is a shop-now signal
A statewide +41.5% is still an average — your exact change depends on your ZIP, vehicle, age, claims and coverage — but an increase of this size almost always means you are no longer on a competitive price. When one carrier corrects this hard and the market’s biggest books are cutting, the spread between what you pay and the best available rate is as wide as it gets.
What to do with your renewal
Approved changes apply at renewal, not mid-term. Your renewal shows Kemper’s price for your coverage; it does not tell you what State Farm, Country Financial or Progressive would charge for the same coverage today. After a 41% increase, running your ZIP against every carrier is the single highest-value thing you can do — it’s free and takes a couple of minutes.