Alliance United Insurance Company is a California-only auto insurer founded in 2004. Kemper Corporation acquired Alliance United in April 2015 for $70 million. The company specializes in non-standard auto insurance for high-risk California drivers, including those needing SR-22 filings. Today the company operates as part of Kemper Auto with around 500 team members serving 1 million insured vehicles.
Is it worth it? It depends on your situation. If you live in California and have a DUI, multiple tickets, or a coverage lapse that big insurers will not write, Alliance United is a real option. If you have a clean record or live outside California, look elsewhere first.
This review pulls verified data from Kemper, the California Department of Insurance, AM Best, BBB, Yelp, and real customer reviews. No fluff. No filler. Just the facts you need.
Key Information of Alliance United Insurance Company :-
| Detail | Information |
| Founded | 2004 |
| Acquired by Kemper | April 2015 ($70 million deal) |
| Parent Company | Kemper Corporation (NYSE: KMPR) |
| Customer Service Phone | 1-800-508-5833 |
| Claims Phone Number | 1-866-530-5500 |
| Quote/Sales Line | 1-866-530-5500 |
| Operating Hours | Monday-Friday 7:00 AM – 7:00 PM PT, Saturday 8:00 AM – 5:00 PM PT |
| Headquarters | 5300 Adolfo Rd, Suite 200, Camarillo, CA 93012 |
| Secondary Office | Chatsworth, California |
| Website | allianceunited.com |
| States Served | California ONLY |
| AM Best Rating (Kemper) | A- (Excellent) |
| Distribution | Independent broker network (no direct sales) |
| Specialty | Non-standard auto, SR-22 filings |
| Annual Revenue | $100 million (2025) |
| Insured Vehicles | 1 million |
| Mobile App | Yes (through Kemper Auto) |
A Quick Story About Who Alliance United Helps
Picture two drivers in Los Angeles.
The first driver got a DUI eight months ago. He calls Geico. They decline him. He calls State Farm. They quote $4,800 per year and refuse to file the SR-22 quickly. He calls a local broker who works with Alliance United. The quote comes back at $1,650 per year, with the SR-22 filed within 24 hours.
He picks Alliance United because they specialize in his situation and the broker handles all the paperwork.
The second driver has a clean record and a 2024 Honda Civic. She gets a $1,200 quote from Geico. Out of curiosity, she asks her broker about Alliance United. The quote comes back at $1,950 per year, with fewer discount options.
She picks Geico.
Two drivers. Two different right answers. Alliance United works for the first driver. It does not work for the second. Alliance United is built for one specific job: writing California drivers other companies refuse.
Who Owns Alliance United Insurance?
Alliance United is owned by Kemper Corporation. Kemper acquired Alliance United Group in April 2015 in a $70 million cash transaction. Kemper also contributed up to $75 million in additional capital to support the business after the deal closed.
Today, Alliance United operates as part of Kemper Auto, one of Kemper’s main P&C insurance segments. Kemper has $13 billion in assets across its family of companies.
What is the Difference Between Alliance United and Kemper?
Alliance United is the brand name. Kemper is the parent company that owns the brand. After the 2015 acquisition, Alliance United kept its name but moved to Kemper systems for:
· Claims processing
· Policy management
· Online portals
· Customer service infrastructure
· Underwriting platforms
What this means for you: When you buy Alliance United, you get Kemper’s financial backing and infrastructure with the Alliance United name on your card. The same parent company also owns Infinity Insurance (acquired 2018) and American Access Casualty (acquired 2021), making Kemper one of the biggest non-standard auto insurers in the country.
Why does this matter? In California, your Alliance United claim may be handled by Kemper systems. Your billing portal may show Kemper branding. Customer service representatives often work for the broader Kemper organization. Always have both names ready when calling for help.
What Insurance Does Alliance United Sell?
Alliance United focuses entirely on California auto insurance. They do not write home, life, health, pet, or business insurance. Auto only. California only.
1. Personal Auto Insurance for High-Risk California Drivers
This is what Alliance United does. They write coverage for drivers with:
· DUI or DWI convictions
· Multiple speeding tickets
· At-fault accidents
· Coverage lapses
· Limited driving history
· Drivers other companies declined
2. SR-22 Filings (Major Specialty)
Alliance United files SR-22 forms for California drivers needing financial responsibility certificates after a DUI or serious violation. The filing happens fast through their broker network — often within 24 hours.
3. Standard California Auto Coverages
Alliance United meets all California minimum requirements and offers full coverage too:
· Bodily Injury Liability (California minimum: $30,000/$60,000 — must increase to higher amounts after a DUI)
· Property Damage Liability (California minimum: $15,000)
· Uninsured Motorist Bodily Injury
· Uninsured Motorist Property Damage
· Collision (optional)
· Comprehensive (optional)
· Medical Payments (optional)
4. Optional Add-Ons
Available extras include:
· GAP insurance (covers difference between car value and loan balance)
· Rental reimbursement (pays for rental car after a covered loss)
· Roadside assistance (towing, flat tire, dead battery, lockout)
5. What Alliance United Does NOT Sell
To save you time, Alliance United does NOT offer:
· Home insurance
· Renters insurance
· Life insurance
· Health insurance
· Pet insurance
· Standalone motorcycle insurance
· Business owners’ policies
· Coverage outside California
If you need any of these, look at Kemper Personal Insurance (the parent group’s standard line) or other carriers.
Alliance United Insurance Phone Number and Contact Info
This is one of the most-searched topics about Alliance United. Here is the verified contact information.
Alliance United Insurance Company Phone Number (Customer Service)
Phone: 1-800-508-5833
Use this number for policy questions, billing, and general help.
Alliance United Insurance Company Claims Phone Number
Phone: 1-866-530-5500
Use this number for filing a new claim or following up on an existing claim. This is the most-used number across all Alliance United contacts.
Alliance United Quote and New Business Line
Phone: 1-866-530-5500
You can request a quote, but Alliance United sells exclusively through independent brokers. The main number can refer you to a broker in your area.
Other Alliance United Phone Numbers
· Supplier Diversity: 1-866-530-5500
· Corporate (Kemper): 1-312-661-4521
· Spanish-language service: Available through main customer service line
Alliance United Insurance Email
· Policy services: policyservices@allianceunited.com
· Kemper-related: slata@kemper.com
Customer Service Hours
Monday-Friday: 7:00 AM – 7:00 PM Pacific Time
Saturday: 8:00 AM – 5:00 PM Pacific Time
Sunday: Closed
Alliance United 24-Hour Number
Honest answer: Alliance United does not have a 24-hour customer service number. Outside business hours, you can use the website or mobile app. Roadside assistance customers may have a separate 24-hour towing number on their policy declarations page.
Alliance United Insurance Company Address
Headquarters and Mailing Address
Alliance United Insurance Company
5300 Adolfo Road, Suite 200
Camarillo, CA 93012
This is the main headquarters in Ventura County, California. Mail correspondence goes here unless your policy paperwork specifies a different P.O. Box for claims or payments.
Secondary Office
Chatsworth, California — operational center for some functions
Parent Company Address
Kemper Corporation
200 East Randolph Street
Suite 3300
Chicago, IL 60601
For major escalations beyond Alliance United customer service, you can write to Kemper corporate.
Alliance United Insurance Login and Online Account
Alliance United offers a self-service portal for managing your policy online. You can also use the Kemper Auto mobile app, since Alliance United operates under Kemper systems.
What you can do with Alliance United login:
· Make payments online (checking, debit, or credit card)
· View policy declarations and ID cards
· Download proof of insurance
· File and track claims
· Update vehicle and driver information
· Request policy changes
· Set up automatic payments
· View payment history
How to Create Your Alliance United Login
1. Go to allianceunited.com
2. Click the customer login or “MyKemper” link
3. Have your policy number ready (on your declarations page)
4. Use your registered email address
5. Set a secure password
If You Cannot Log In
If your login does not work:
1. First, try the password reset link
2. If that fails, call 1-800-508-5833
3. Have your policy number, name, and date of birth ready
Many users complain on Yelp and PissedConsumer about login glitches and slow page loads. The Kemper Auto app is generally more reliable than the web portal.
Alliance United Auto Insurance Coverage Details
Standard Coverage Included with Most Policies
Bodily Injury Liability — Pays medical bills for people you injure in an accident you cause. California minimum is $30,000 per person and $60,000 per accident, but DUI drivers usually need higher limits.
Property Damage Liability — Pays for repair or replacement of property you damage. California minimum is $15,000.
Uninsured Motorist Coverage — Protects you if hit by a driver with no insurance. California requires this on all policies (you can sign a waiver to remove it).
Optional Coverage You Can Add
Collision — Pays to repair or replace your car after an accident, regardless of fault. Required if you have an auto loan.
Comprehensive — Pays for non-collision damage like theft, vandalism, fire, or hail.
Medical Payments — Covers medical bills for you and your passengers after an accident.
GAP Insurance — Pays the difference between your car’s actual value and what you still owe on the loan if your car is totaled. Important for new cars or luxury vehicles.
Rental Reimbursement — Pays for a rental car while yours is being repaired after a covered claim.
Roadside Assistance — Includes towing, flat tire change, jump start, fuel delivery, and lockout service.
How Much Does Alliance United Insurance Cost?
Alliance United does not publish prices on its website. Quotes vary widely based on your specific situation. Here is what real customers and broker data show.
Typical Alliance United Pricing Ranges (California 2026)
| Driver Profile | Estimated Annual Cost |
| Minimum liability (clean record) | $840-$1,200 |
| Minimum liability (DUI driver) | $1,650-$2,400 |
| Full coverage (clean record) | $1,800-$2,400 |
| Full coverage (high-risk driver) | $2,300-$3,500 |
| Full coverage (multiple violations) | $3,500-$5,000+ |
Why prices vary so much: Alliance United looks at your age, driving record, ZIP code, vehicle, credit (limited use in California due to Proposition 103), and SR-22 needs.
A Trustpilot reviewer reported paying $70 per month for minimum liability with one ticket. A PissedConsumer user reported $300+ per month after a DUI. Real prices depend on your specific situation.
How Alliance United Compares to Other California Non-Standard Insurers
| Company | Average Annual Cost (CA High-Risk) |
| Alliance United | $2,000-$3,500 |
| Bristol West | $4,499-$5,594 |
| Infinity Insurance | $1,800-$3,200 |
| The General | $2,538-$3,800 |
| Mercury (when accepted) | $2,200-$3,000 |
| Seaview Insurance | $1,800-$3,000 |
Alliance United typically prices in the middle of the California non-standard market. Cheaper than Bristol West. Roughly equivalent to Infinity (also a Kemper brand). More expensive than some specialty insurers like Seaview.
Available Discounts
Alliance United offers limited discounts compared to standard insurers:
· Good Driver discount (California-mandated 20% off for drivers with clean 3-year records)
· Multi-Car discount
· Multi-Policy discount (limited)
· Mature Driver discount (age 55+)
· Paid-in-Full discount
· Defensive Driving Course discount (state-approved courses only)
· Safety Features discount (anti-theft devices, airbags)
· Good Student discount (B average or better)
Is Alliance United Insurance Financially Stable?
Yes. Through Kemper Corporation, Alliance United benefits from strong financial backing.
Key Financial Facts:
· Parent company Kemper has $13 billion in assets
· Kemper holds an AM Best rating of A- (Excellent)
· Kemper is publicly traded on NYSE under ticker KMPR
· Alliance United is an admitted carrier with the California Department of Insurance
· Alliance United generates approximately $100 million in annual revenue (2025)
Why does this matter? When you file a claim, you need the insurer to actually pay. Alliance United has the financial strength to meet claim obligations. The bigger question is how quickly and fairly they handle claims, which is where customer reviews get critical.
What Real Customers Say About Alliance United
This is where I have to be honest. After reviewing 1,076+ Yelp reviews, BBB complaints, and PissedConsumer reports, the pattern is clear and consistent.
The Numbers
Yelp: 1,076 reviews at the Camarillo headquarters
PissedConsumer: 89% phone contacts, 11% email — average call duration 1 minute (very short, suggesting quick brush-offs)
California Department of Insurance: Multiple complaint records over the years
BBB: Mixed records under Kemper umbrella
Common Complaint Themes
After 16 years researching insurance companies, here are the patterns I see at Alliance United:
Slow claim processing. Multiple Yelp reviewers report waiting 2-3 months for claim resolution. Some report claims still unresolved after 6+ months.
Customer service issues. PissedConsumer data shows average call duration of just 1 minute, suggesting reps quickly redirect calls without resolution.
Aggressive billing practices. Customers report being charged before policies were canceled. Refunds reportedly delayed weeks or months.
Hard cancellations. Customers describe difficulty canceling policies, with autopay continuing to draft after cancellation requests.
Coverage limitations not explained at sale. Customers report buying minimum liability and learning at claim time that desired coverage was not included.
Delays in SR-22 reinstatement after lapses. While initial SR-22 filing is fast, restoring after a lapse can take longer than promised.
What Customers Actually Like
Despite the complaints, real positives appear in reviews:
Acceptance of high-risk drivers. When other companies say no, Alliance United often says yes. This is especially true for DUI drivers and SR-22 cases.
Competitive pricing in California. For non-standard drivers in their target market, Alliance United is often cheaper than Bristol West or The General.
Broker network access. The 900-broker, 2,000-location distribution network means most California neighborhoods have an Alliance United agent within driving distance.
Spanish-language service. California’s Hispanic-majority neighborhoods have brokers and customer service available in Spanish.
Quick SR-22 filing. For initial filings, the process is fast — often same-day or next-day.
My Honest Read After 16 Years in Insurance
Alliance United fills a real California market need. They write drivers no one else wants. Their broker network covers the state. Their pricing for the right customer is reasonable.
But the service issues are real and persistent. The 1-minute average call duration on PissedConsumer is a serious warning sign. So is the volume of California Department of Insurance complaints over the years.
If you choose Alliance United, plan to be your own advocate. Document every interaction. Save every email. Push hard if a claim stalls. Customers who do this generally get fair outcomes. Customers who assume the company will handle things often face frustration.
Alliance United vs. The Real Competition
Comparing Alliance United to Allstate or USAA does not help you. They serve different markets. Here is how Alliance United stacks up against companies that actually compete with it.
Alliance United vs. Infinity Insurance (Same Parent — Kemper)
| Feature | Alliance United | Infinity |
| Parent | Kemper | Kemper |
| Focus | California only | Multi-state |
| Average price (CA non-standard) | $2,000-$3,500 | $1,800-$3,200 |
| Distribution | Independent brokers | Direct + brokers |
| Best for | California-only drivers | Multi-state needs |
Verdict: Both are Kemper companies. Infinity has slightly better digital tools and multi-state coverage. Alliance United has stronger California broker presence.
Alliance United vs. Bristol West
| Feature | Alliance United | Bristol West |
| Parent | Kemper | Farmers |
| States | California only | 41-43 states |
| Average price (CA) | $2,000-$3,500 | $4,499-$5,594 |
| AM Best | A- (Kemper) | A- |
| NAIC Complaints | Above average | 2.78 (very high) |
Verdict: Alliance United is significantly cheaper for California drivers. Bristol West has wider availability but worse complaint records.
Alliance United vs. Mercury Insurance
Mercury is California’s largest auto insurer for standard drivers. If you qualify for Mercury, take Mercury — they have better service, more discounts, and a stronger AM Best rating. Use Alliance United only when Mercury declines you.
Alliance United vs. Seaview Insurance
Both are California specialty insurers. Seaview is much smaller and writes very specific niches (high-risk auto, commercial trucking, bail bonds). Alliance United has broader California reach. For most California drivers, Alliance United is more accessible. For specific niche needs, Seaview may have specialized products. See our [Seaview Insurance Company review](https://insuranceguidances.com/seaview-insurance-company/) for more.
Alliance United vs. The General
| Feature | Alliance United | The General |
| Parent | Kemper | American Family |
| States | California only | All 50 states |
| Average price (CA non-standard) | $2,000-$3,500 | $2,538-$3,800 |
| Mobile app | Basic | Strong |
| Discounts | Limited | More |
Verdict: The General has wider availability and better digital tools. Alliance United is California-focused with stronger broker support in the state.
How to File a Claim with Alliance United
Step 1: Document the Accident at the Scene
Take photos of all damage on every vehicle, license plates, and surroundings. Get a police report if there is any injury or significant damage. Get the other driver’s name, phone, license number, and insurance info.
Step 2: File the Claim
You have three ways:
· Phone: 1-866-530-5500 (fastest method)
· Online: allianceunited.com claims portal
· Through your broker: They can file on your behalf
Have your policy number ready. Have a clear description of what happened.
Step 3: Wait for Adjuster Assignment
A claims adjuster is assigned to your case. Expected timeline: 2-5 business days for first contact. If a week passes with no contact, call back at 1-866-530-5500.
Step 4: Provide Requested Documents
The adjuster will ask for additional photos, repair estimates, medical records (if injuries), and a recorded statement. Provide everything in writing when possible. Save copies of every email.
Step 5: Settlement
For minor claims, settlement may take 3-6 weeks. For total losses or injury claims, expect 2-4 months. Real customer reviews suggest Alliance United claims often take longer than competitors.
How to Avoid the Problems Customers Complain About
Document everything in writing. Every call. Every name. Every promise. Date and time.
Submit photos within 24 hours. Do not wait. Photos taken weeks later are easier for adjusters to dispute.
Get repair estimates from multiple shops. If Alliance United tries to lowball your estimate, having three independent quotes helps you push back.
Follow up in writing. After every phone call, send an email summarizing what was said.
Escalate fast. If five business days pass with no claim contact, call your broker AND call Alliance United directly. Do not wait two weeks.
Hire a public adjuster for total-loss disputes. If Alliance United offers $7,500 on a $13,000 vehicle, a public adjuster can often recover thousands more.
File a state insurance department complaint if needed. The California Department of Insurance handles complaints fast (insurance.ca.gov). State complaints get attention faster than BBB complaints.
How to Get an Alliance United Insurance Quote
Alliance United sells exclusively through independent brokers. You cannot get a quote directly from Alliance United’s website. Here are your options:
Option 1: Use an Independent Broker
Find a California broker who writes Alliance United (most non-standard auto brokers do). They can quote Alliance United alongside competitors like Infinity, The General, Bristol West, and Mercury. This gives you comparison shopping in one stop.
Option 2: Use a Comparison Site
Sites like The Zebra, NerdWallet, or Insurify can show Alliance United alongside other California insurers if Alliance United participates in their network.
Option 3: Call Alliance United Directly
Call 1-866-530-5500 and they can refer you to a broker in your area. They cannot give you a direct quote.
What You Need to Get a Quote
· Driver’s license number
· VIN (Vehicle Identification Number) for each car
· Address (with ZIP code)
· Driving record summary (tickets, accidents, DUIs, dates)
· Current insurance information (carrier, policy expiration)
· SR-22 court order documents (if needed)
· Coverage limits you want
Should You Buy Alliance United Insurance?
The simple test:
Buy Alliance United if you:
· Live in California
· Have a DUI on your record
· Need an SR-22 filing fast
· Have multiple accidents or tickets
· Have been declined by Geico, State Farm, Mercury, or Progressive
· Want to work with a local independent broker
· Need a Spanish-speaking agent
· Have a coverage lapse history
Skip Alliance United if you:
· Live outside California
· Have a clean driving record (you can do better)
· Want bundling discounts (home + auto)
· Want a polished mobile app
· Need top-tier customer service
· Want broad discount selection
· Need life, health, or pet insurance
Final Verdict
Alliance United Insurance Company is a legitimate California specialty auto insurer with a clear job: writing high-risk drivers other companies refuse. They have done this since 2004. Kemper Corporation acquired them in 2015 and gives them strong financial backing through the broader Kemper family of companies (Infinity, American Access, Kemper Auto).
But the customer service problems are real and persistent. PissedConsumer data shows 1-minute average call durations. Yelp shows over 1,000 reviews with significant complaints. The California Department of Insurance has multiple complaint records over the years.
If you have a clean California driving record, walk past Alliance United. Mercury, Geico, State Farm, or Progressive will all serve you better at lower cost.
If you have a DUI, multiple violations, or a coverage lapse that has shut you out elsewhere in California, Alliance United is a real option. But also get quotes from Infinity (same Kemper parent), Bristol West, and The General. Pick the cheapest one that will actually write you. Document every interaction in writing. Save your bank statements. Push hard if a claim stalls.
For the right California customer, Alliance United works. For everyone else, they do not.
FAQ
What is Alliance United Insurance Company and who now operates it?
Alliance United is a California auto insurance company founded in 2004 that specializes in non-standard policies for high-risk drivers. Kemper Corporation acquired Alliance United in April 2015 for $70 million. Today the company operates as part of Kemper Auto, sharing infrastructure with Infinity Insurance (also Kemper-owned).
What is the Alliance United Insurance Company contact number?
The main customer service number is 1-800-508-5833. The claims and quote line is 1-866-530-5500. Customer service hours are Monday-Friday 7:00 AM – 7:00 PM Pacific Time and Saturday 8:00 AM – 5:00 PM Pacific Time.
What is the Alliance United Insurance Company claims phone number?
The claims phone number is 1-866-530-5500. Use this number to file a new claim or follow up on existing claims. The number is also used for new business quotes through brokers.
What types of drivers does Alliance United serve?
Alliance United serves California drivers considered high-risk by standard insurers. This includes drivers with DUIs, multiple tickets, at-fault accidents, coverage lapses, and those needing SR-22 filings. Standard carriers like Geico, State Farm, and Mercury often turn these drivers away.
Where is Alliance United Insurance Company located?
The headquarters is at 5300 Adolfo Road, Suite 200, Camarillo, CA 93012. Alliance United also has operational offices in Chatsworth, California. The parent company Kemper Corporation is headquartered at 200 East Randolph Street, Suite 3300, Chicago, IL 60601.
What is Alliance United auto insurance?
Alliance United auto insurance is non-standard private passenger auto coverage sold only in California. The company writes drivers other insurers will not accept. They specialize in SR-22 filings, high-risk profiles, and California-minimum policies for drivers needing legal compliance.
Does Alliance United provide full-coverage policies?
Yes, but their main focus is minimum liability. Full coverage policies are available with collision and comprehensive coverage, plus optional add-ons like GAP insurance, rental reimbursement, and roadside assistance. Full coverage costs significantly more than minimum, especially for high-risk drivers.
How much does Alliance United auto insurance cost?
Costs vary widely. Minimum liability for high-risk drivers typically runs $70-$200 per month ($840-$2,400/year). Full coverage for high-risk drivers runs $1,800-$3,500+ per year. A driver with a DUI typically pays $1,650-$2,400/year for minimum liability with SR-22 included.
What discounts does Alliance United offer?
Available discounts include California Good Driver (state-mandated 20% off), Multi-Car, Multi-Policy, Mature Driver (55+), Paid-in-Full, Defensive Driving Course, Safety Features, and Good Student. Eligibility varies. Discounts are more limited than standard insurers like Geico or State Farm.
Are there extra fees with Alliance United?
Yes. Common fees include monthly installment charges ($5-$15 per payment), credit card processing fees, and reinstatement fees if your policy lapses. Paying in full annually typically saves money over monthly installments.
How do I file a claim with Alliance United now that it operates under Kemper?
Call 1-866-530-5500 to start a claim. You can also file online at allianceunited.com or through your broker. Have your policy number, accident details, photos, and police report (if applicable) ready. Claims are processed through Kemper systems but maintain Alliance United branding.
What is Alliance United’s customer service reputation?
Mixed. Customer service averages 1-minute call durations on PissedConsumer (suggesting quick brush-offs). Yelp shows 1,076 reviews at the Camarillo headquarters with significant complaints about slow claim processing, hard cancellations, and billing issues. Real customer experiences vary widely.
How strong is Alliance United financially?
Alliance United is financially stable through parent company Kemper Corporation. Kemper has $13 billion in assets, holds an AM Best A- (Excellent) rating, and trades publicly on NYSE (ticker: KMPR). Alliance United generated approximately $100 million in annual revenue in 2025.
How does Alliance United compare with Infinity?
Both companies are owned by Kemper. Infinity has multi-state coverage and slightly better digital tools. Alliance United is California-only with stronger local broker presence. For California-only drivers, Alliance United often has more accessible broker support. Pricing is similar between the two.
Who should consider Alliance United and who should avoid it?
Consider Alliance United if you are a California driver with a DUI, multiple tickets, coverage lapse, or other issue making standard insurers decline you. Avoid it if you live outside California, have a clean record (you can do better), want home/auto bundling, or need premium customer service.
Where can I get an Alliance United insurance quote?
Alliance United sells exclusively through independent brokers. You cannot get a direct quote on the company website. Find a California broker who works with Alliance United, use a comparison site like The Zebra, or call 1-866-530-5500 to be referred to a local broker.
What information do I need to enroll?
You need your driver’s license, vehicle VIN, address, driving record details (tickets, accidents, dates), current insurance information, SR-22 court order (if applicable), and the coverage limits you want.
How do I find Alliance United contact and claims phone numbers?
Customer service: 1-800-508-5833. Claims and quotes: 1-866-530-5500. The main address is 5300 Adolfo Road, Suite 200, Camarillo, CA 93012. All numbers are also available on your insurance ID card and policy declarations page.
How do I escalate service or claim problems?
Step 1: Call your broker first — they can apply pressure on your behalf. Step 2: Call Alliance United customer service at 1-800-508-5833 and ask for a supervisor. Step 3: Contact Kemper corporate at 1-312-661-4521 for severe issues. Step 4: File a complaint with the California Department of Insurance at insurance.ca.gov. Step 5: Consider small claims court for billing disputes under $10,000.
Where can I get official policy forms?
Log into your account at allianceunited.com or use the Kemper Auto mobile app to download policy declarations, ID cards, and endorsements. Your broker can also provide certified copies for legal purposes (lender requirements, court orders, etc.).
Does Alliance United offer SR-22 filings?
Yes. Alliance United is a leading California SR-22 provider. Filing happens fast — often same-day or next-day through your broker. SR-22 is required after California DUI convictions, license suspensions, and certain serious violations. The filing fee is small ($25-$50), but the underlying premium is higher.
What practical tips help high-risk drivers choose the right coverage?
First, meet legal minimums (California requires $30,000/$60,000 bodily injury and $15,000 property damage). Second, get SR-22 if court-ordered. Third, compare full coverage costs vs your car’s value — if your car is worth less than $4,000, drop collision/comprehensive. Fourth, document everything from day one. Fifth, shop quotes every 6-12 months as your record improves.
What alternatives should I compare with Alliance United?
For California high-risk drivers, also get quotes from Infinity Insurance (Kemper-owned, similar pricing), Bristol West (Farmers-owned), Mercury (California’s largest auto insurer, take it if accepted), The General (national non-standard), and [Seaview Insurance](https://insuranceguidances.com/seaview-insurance-company/) (specialty California carrier). Read our [Bristol West Insurance review](https://insuranceguidances.com/bristol-west-insurance-reviews/) and [Cheapest Insurance for High-Risk Drivers](https://insuranceguidances.com/cheapest-insurance-for-high-risk-drivers/) guide for full comparisons.
About the Author
MD Shahinuzzaman
Pro Financial Writer
Hello, this is Shahinuzzaman. I am a full-time financial blogger with 16 years of experience in the banking and insurance industry. I research every company I write about by going straight to primary sources: official websites, state insurance department filings, BBB records, financial rating agencies, and real customer reviews. For this Alliance United Insurance review, I cross-checked data from 14 sources including Kemper Corporation press releases, the California Department of Insurance, Yelp, PissedConsumer, and BBB. I do not accept payment from the companies I review.
If you spot an outdated detail or have a correction, please contact me. I update this page when readers send me better information.
Last fact-check: April 28, 2026
Sources
1. Kemper Corporation Acquisition Press Release (December 2014) — businesswire.com
2. Kemper Acquisition Completion Announcement (May 2015) — businesswire.com
3. Bloomberg “Kemper to Buy Alliance United” (December 2014)
4. Carrier Management Industry Report (December 2014)
5. Kemper Corporation Wikipedia profile (March 2026)
6. PitchBook Alliance United Company Profile (2026)
7. Alliance United Customer Service Phone Database — pissedconsumer.com (Updated February 25, 2026)
8. Yelp Alliance United Reviews — Camarillo, CA (1,076 reviews as of January 2026)
9. California Department of Insurance Company Profile — insurance.ca.gov
10. Best California Insurance Services Claims Contacts Directory
11. CarInsurance.org Alliance United Review (Updated December 2024)
12. Kemper Corporation Annual Report
13. AM Best Rating Database
14. Alliance United Official Website — allianceunited.com
