CEM Car Insurance Review [2020]

CEM car insurance offers specialized coverage for used car dealers and other industry clients in Illinois but does not offer coverage for individuals. A.M. Best rates CEM car insurance at a B+

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 26, 2021

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Company Details
Address: 21805 W. Field Parkway Suite 320
City: Deer Park
State: IL
ZIP Code: 60010-3231
Phone Number: 847-307-6300
Year Founded: 1982
AM Best Rating: B+ (Good)
Company Rating 0 (0 reviews)

Here's what you need to know...

  • CEM is located in Illinois and provides specialty insurance for many different industries
  • The company earned a B+ with A.M. Best
  • CEM does not offer individual auto insurance policies


CEM Insurance Company, in Deer Park, Illinois, was established in 1982 with the goal of providing special insurance services to a variety of industries.

The company was a syndicate of what was then known as the Illinois Insurance Exchange, developing an unemployment compensation package as its first product.

The various types of coverage offered by CEM include liability for construction trade workers, specialized coverage for used car dealers, equipment leasing insurance, and write-your-own flood insurance. Unfortunately, CEM does not write retail policies for car insurance.

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More About CEM

One of the more interesting products from CEM is their garage liability and open lot coverage offered to used car dealers. This coverage protects the dealers from loss due to property damage or physical injury by employees and customers.

Policies can also be customized to include specific car insurance coverage for dealer-driven vehicles.

The latest ratings from A.M. Best give CEM Insurance Company a B+ for financial strength, but the company has a negative future outlook.

If you are searching for a personal auto insurance policy, you won’t be able to use CEM. But you can still find great coverage options in your area.

Use our FREE comparison tool to find the best coverage for your budget!

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