CEM Auto Insurance Review (2020)

CEM Insurance Company provides auto insurance in Texas, with a national network of brokers and insurance agents in 15 distinct jurisdictions. They have a B+ rating with A.M. Best and offer commercial insurance in addition to personal auto.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Jun 9, 2022

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Company Details
Address: 21805 Field Parkway, Suite 230
City: Deer Park
State: IL
ZIP Code: 60010
Phone Number: 1-847-307-6300
Year Founded: 1982
AM Best Rating: B+

CEM Insurance Company (also known as “CEMIC”) was founded in 1982 to offer specialty insurance products, services, and programs to clients. The company currently provides auto insurance in Texas.

We understand that paying your auto insurance premium is an obligation. That’s why we’ve written this CEM auto insurance review. It delves into everything about the company, including business and employee ratings, claims, and more.

If you’ve been searching for information on CEM insurance in Texas, we’ve got all of the details you need right here. You may also find CEM through its connection to Pronto Insurance.

Enter your ZIP code to start comparing auto insurance companies against CEM.

Let’s get started.

CEM Cheap Auto Insurance Rates

While rates for smaller companies aren’t as accessible, this shouldn’t be a reason to overlook them as a whole. In fact, there are several reasons a smaller insurance company is better than a major one that might be of great benefit to you and your family.

A small, local company might offer better value. Smaller insurance companies have fewer overhead costs and monetary allocations with smaller companies. This means they can often provide more than reasonable policies for their customers.

Take a look at what you can expect to pay each year to insure your vehicle with the larger auto insurance companies.

Average Annual Auto Insurance Rates by Marital Status, Age, and Gender
CompaniesMarried 60-Year-Old FemaleMarried 60-Year-Old MaleMarried 35-Year-Old FemaleMarried 35-Year-Old MaleSingle 25-Year-Old FemaleSingle 25-Year-Old MaleSingle 17-Year-Old FemaleSingle 17-Year-Old Male
USAA$1,449.85 $1,448.98 $1,551.43 $1,540.32 $1,988.52 $2,126.14 $4,807.54 $5,385.61
State Farm$1,873.89 $1,873.89 $2,081.72 $2,081.72 $2,335.96 $2,554.56 $5,953.88 $7,324.34
Progressive$1,991.49 $2,048.63 $2,296.90 $2,175.27 $2,697.73 $2,758.66 $8,689.95 $9,625.49
American Family$1,992.92 $2,014.38 $2,202.70 $2,224.31 $2,288.65 $2,694.72 $5,996.50 $8,130.50
Travelers$2,051.98 $2,074.41 $2,178.66 $2,199.51 $2,325.25 $2,491.21 $9,307.32 $12,850.91
Nationwide$2,130.26 $2,214.62 $2,360.49 $2,387.43 $2,686.48 $2,889.04 $5,756.37 $7,175.31
Geico$2,247.06 $2,283.45 $2,302.89 $2,312.38 $2,378.89 $2,262.87 $5,653.55 $6,278.96
Farmers$2,336.80 $2,448.39 $2,556.98 $2,557.75 $2,946.80 $3,041.44 $8,521.97 $9,144.04
Allstate$2,913.37 $2,990.64 $3,156.09 $3,123.01 $3,424.87 $3,570.93 $9,282.19 $10,642.53
Liberty Mutual$3,445.00 $3,680.53 $3,802.77 $3,856.84 $3,959.67 $4,503.13 $11,621.01 $13,718.69
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Smaller companies also tend to be more hands-on. Larger companies are servicing thousands of individuals at a time and for some customers, they feel that their concerns are not taken into consideration. Smaller companies have more legroom to work with you, which is great to know, especially in times of crisis. Smaller companies give off a familial feel, which is desirable because the person, not the product, is often seen as the top concern.

Another thing to note before we continue is that smaller companies often have specialty car insurance that you wouldn’t find offered in a bigger company. Smaller companies like CEM Insurance Company are more flexible and can offer custom types of coverages for their clients.

So in the case of insurers, bigger isn’t always better.

What is CEM Insurance Company’s availability by each state?

While CEM Insurance Company currently provides personal auto insurance solely in Texas, the company has developed a national network of independent insurance brokers and insurance agents in 15 jurisdictions. Those jurisdictions are the following:

  • Arizona
  • Arkansas
  • District of Columbia
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Mississippi
  • Nevada
  • North Dakota
  • Pennsylvania
  • South Dakota
  • Texas
  • Utah
  • West Virginia

Again, personal auto insurance is offered in Texas only. The company also provides various types of coverage for businesses as well. We’ll take a look at coverage offered next.

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Auto Insurance Coverages Offered By CEM

So perhaps you’re sold after hearing the benefits of a smaller insurer. Now let’s delve into what types of auto insurance coverage CEM Insurance offers.

CEMIC offers personal auto insurance for those living in the state of Texas. They also offer property and casualty insurance for businesses in a variety of industries, including trade practices. Vehicles used by tradesmen, artisans, and handyman businesses receive insurance coverage. CEM helps them protect assets, such as daily-use or classic autos. CEM also helps clients protect home or business assets, professional interests, or general (umbrella) insurance coverage needs.

CEM Insurance Company doesn’t offer insurance to subcontractors on new construction projects, including roofing contractors. Ask your CEM Insurance agent for more information about your auto insurance coverage and exclusions.

The insurance company also offers physical damage/dealers open lot and garage liability for small independent used car dealerships in Texas. Customers in the used car business benefit from garage keeper’s liability, medical payments, uninsured motorists, personal injury protection, false pretense, and commercial property coverage.

CEMIC provides surety bond coverage in accordance with the requirements of the Texas Department of Transportation (Texas Statute § 503.033 Security Requirement.)

So we see that even a small insurer can have a unique and powerful line of business.

Canceling Your CEM Auto Insurance Policy

So now you’re aware of the types of services and programs CEM Insurance Company offers. But you still might be on the fence.

We get it. Exploring other options is an avenue many individuals have to make. Sometimes changing providers could be an unnecessary hassle. Next, we’re going to look at how to cancel your car insurance policy and answer a couple of questions regarding the matter.

Is there a cancellation fee?

Additional fees that blindside you can be incredibly frustrating. While the website fails to mention a cancellation fee, Texas clients can call the company for faster service to speak to a representative to determine if they are subject to additional fees for canceling their policy.

Is there a refund?

If you are eligible for a refund, it will take four to eight weeks to receive. Refunds are processed through the mail.

Overall, getting a refund depends on if you qualify or not. For that, you’d have to contact a CEM Insurance Company representative to discuss your policy.

How do you cancel?

With CEM Insurance Company, you’d simply let an agent at the company know that you want to terminate your policy.

If you’re thinking about canceling, you’re most likely considering a new provider. Or, perhaps you feel like you have enough information to cancel your policy with CEM Insurance Company. Either way, you’ll most likely have to have a new insurance provider already set up before you officially cancel your contract with CEMIC.

Failing to have a replacement provider could cause a lapse in your auto insurance coverage. So keep in mind that you might be required to show proof of a new provider if you decide to cancel.

When can I cancel?

With CEM Insurance Company you can cancel anytime with an agent or customer service representative. Again, you can call the company number listed to speak about questions regarding your policy.

How to Make a CEM Insurance Claim

The likelihood of getting into a car accident isn’t as far off as you’d like to think. Chances are, you’ve been in an accident or know someone who has gotten into a collision.

That being said, making a claim has become more efficient over the years through the advancement of technology. With CEM insurance, you can make a claim in several different ways. We’ve outlined them for you below.

  • By phone: 1 (888) 224-7740
  • By fax: 1 (847) 307-6399
  • By mail: CEM Insurance Company, 21805 Field Parkway, Suite 320, Deer Park, IL 60010

This video offers some advice on what to do if you get into an accident and need to file a claim.

Talking to a representative upfront might be the most efficient way of getting your claim handled, as you have someone in person that can handle your most pressing concerns. However, a representative from the claim department will contact you if you’d prefer to fax in your claim or mail.

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How to Get a CEM Insurance Company Auto Insurance Quote Online

Getting a quote online can appear simple and quick. However, when you’re doing this process for multiple companies, comparing quotes can soon become a hassle.

You can call CEMIC at (847) 307-6300 to start a new quote. And like most cases, you can also get a quote by finding an agent.

Feel free to use our free quote tool above to get multiple auto insurance quotes and start comparing today.

CEM Insurance Company: Auto Insurance Ratings

Ratings provide consumers insights into the overall performance of an organization. Whether in a form or a number, or letters, ratings offer a perspective that can reflect either positively or negatively about an organization’s reputation.

In this section, we’ll take a look at risk-assessing companies that have gathered key information on CEM Insurance Company.

Keep reading to learn how they place from some of the best in the business.

A.M. Best

A.M. Best is a reputable organization known for assessing organizations’ financial strengths in the insurance industry.

Over the years, the company has assessed the financial risk of CEM Insurance Company. CEMIC’s management provides financial information to A. M. Best on a regular basis about its business activities, cash flow, investments, and operating routines.

CEM Insurance Company received a “B+” from the reputable A.M. Best. According to A.M. Best, this company has “a good ability to meet their ongoing insurance obligations”.

CEM Insurance Company first obtained this “good” grade in January of 2015 and has since managed to maintain it.

And what does CEM Insurance Company have to thank for its attributed success? In a press release released by A.M. Best, it points to its Texas insurance sector.

The stable outlooks are based on CEM’s improved operating and underwriting results over the past several years, driven primarily by the company’s focus on its Texas private passenger automobile business and exit from former commercial lines businesses.

While it is often common for organizations to present a glamorized outlook of their organization’s products and services, it’s good to note a stable projected trajectory of an organization like CEM Insurance Company. Because if you’re paying your hard-earned dollars, you’ll want to make sure that it’s going to an organization that can back you up. In this case, it is.

CEM Insurance Company: Auto Insurance History

CEM Insurance Company was originally founded in 1982 as the incorporated “Comprehensive Ensurers Market Syndicate INC.” Rather than setting their goals strictly on traditional business values of profit and predictability, they had an entrepreneurial foundation with hopes of establishing a facility for specialty insurance programs.

A syndicate of the Illinois Insurance Exchange (later “INEX”), they would soon grow and successfully underwrite an Unemployment Compensation program for nonprofit organizations. By 1996, CEMIC left the INEX and started to underwrite insurance policies as an Illinois-admitted company. By 2002, CEMIC was purchased by new owners, and the company acquired new offices.

Developing and expanding its markets, licenses, and products, CEMIC focused on the development of successful individuals, businesses, and organizations with whom to partner.

The company developed relationships with a wide network of independent insurance agents and brokers, administrators, and insurance companies.

CEMIC writes both individual and business/organization insurance. Customizing insurance products to suit the client’s needs is the goal of CEM Insurance Company, according to the company website.

The company evaluates new business ideas and evaluates the prospective client’s insurance claims and loss history along with future needs for insurance coverage.

How is CEM Insurance Company’s online presence?

Virtual communication bridges the gap between companies and consumers alike and has become a way to stand out and display one’s unique voice and presence amongst rival companies. So how does CEM Insurance Company rise to the occasion?

CEM Insurance Company has a modest online presence. Like most companies, they display an array of products and services, as well as provide a claims section for their clients.

While they do not emphasize getting a quote like most of their competitors, nor highlight mobile extensions like social media or mobile apps, they do have an online presence nonetheless.

What do CEM Insurance Company employees have to say?

Employee feedback is another way to assess a company’s performance. What do employees have to say at CEMIC?

According to GlassDoor, the company was rated a 4.3 out of five stars.

While these reviews were only based on four CEMIC employees, they still provide insight. Let’s dive a bit deeper.

Here’s a breakdown of the overall score as gathered from employees:

  • Culture and Values: 4.4 out of 5 stars
  • Work/Life Balance: 3.9 out of 5 stars
  • Senior Management: 4.4 out of 5 stars
  • Compensation and Benefits: 4.1 out of 5 stars
  • Career Opportunities: 4.7 out of 5 stars

Furthermore, 100 percent of individuals who gave data for the company said they would recommend it to a friend, while a little less than half (roughly 42 percent) say that the company has a positive business outlook.

Keep in mind that the CEMIC staff is on the smaller side (its LinkedIn page states roughly one to 10 employees), so these details still help to provide insight into the company’s nature and values, even if at an extent.

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Design of CEM Insurance Company Auto Insurance Website/App

The CEMIC website is really easy to navigate. It isn’t cluttered with fluff and unnecessary links — simply the basic essentials. For instance, on their main web page, they allow you to select some of the products they offer, as well as allow you to file a claim. They also offer you the opportunity to explore and learn more about the company’s history.

The website is clear and clean, with bold text to indicate some of the more essential information, like phone numbers for specific departments.

All in all, you won’t get left with a dizzy head and confusion when navigating this website. It’s straight to the point and simple, and when dealing with any insurance matter, that’s always a good feeling.

CEM Insurance Company: The Bottom Line

So what can we say about CEM Insurance Company? While they have a minimal online presence, they’ve been vetted by a sourceable organization, like A.M. Best. Not only are they noted for having a stable company, but their new line of business, the auto insurance sector in Texas, has proven success and has contributed to the success of the company overall. Let’s not forget their established roots in the insurance industry as well.

That being said, if you live in Texas, and are looking for auto insurance, you might want to check CEM Insurance Company out. And as stated before, small insurance companies have an advantage over larger companies as they are able to customize more of their coverage, offer reasonable rates, and provide a familial feel for their clients.

What is there to lose? CEMIC just might be the diamond in the rough that you are searching for.

To compare auto insurance companies near you, enter your ZIP code in our quote comparison tool.

Frequently Asked Questions: CEM Insurance Company

Even with a complete auto insurance guide, we find that there are still pressing concerns. We want to answer those for you.

Here are some FAQs about CEM Insurance Company that might be helpful to keep on your radar.

#1 – What is CEM Insurance Company’s phone number?

You can contact CEM Insurance Company headquarters in Deer Park, Illinois at (847) 307-6300.

#2 – How do I get in contact with CEMIC claims?

To contact CEMIC claims by phone, you can call their company number for faster service. To reiterate, that number is (847) 307-6300.

#3 – Where is CEM Insurance Company located?

The physical address for CEM Insurance Company is the following:

21805 Field Parkway, Suite 320
Deer Park, Illinois 60010

#4 – How can I find CEM Insurance Company online?

CEM Insurance Company’s webpage is: https://www.cemic.com.

#5 – What does CEM Insurance Company offer?

Here’s a list of products and services offered by CEM Insurance Company:

  • Personal Auto Insurance (Texas)
  • Commercial Auto Insurance
  • Surety Bonds
  • General Liability Insurance
  • Flood Insurance

Contact CEMIC or visit their product’s page to learn more.

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