8-K

                      SECURITIES AND EXCHANGE COMMISSION
                            WASHINGTON, D.C. 20549

                                   FORM 8-K

                            CURRENT REPORT PURSUANT
                         TO SECTION 13 OR 15(d) OF THE
                        SECURITIES EXCHANGE ACT OF 1934

Date of report (date of earliest event reported)     September 30, 2003
                                                     --------------------

                                 Unitrin, Inc.
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            (Exact name of registrant as specified in its charter)


                                   Delaware
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        (State or other jurisdiction of incorporation or organization)


One East Wacker Drive, Chicago, Illinois                           60601
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(Address of principal executive offices)                        (Zip Code)


       0-18298                                       95-4255452
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(Commission File Number)                   (I.R.S. Employer Identification No.)


                                (312) 661-4600
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             (Registrant's telephone number, including area code)


                                Not Applicable
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         (Former name or former address, if changed since last report)



Item 7. Financial Statements, Pro Forma Financial Information And Exhibits

         (c)      Exhibits

         Exhibit No.    Exhibit

         99.1           Unitrin, Inc. news release dated September 30, 2003.


Item 9. Regulation FD Disclosure

         On Tuesday, September 30, 2003, Unitrin, Inc. issued a news release,
a copy of which is furnished herewith as Exhibit 99.1.


                                  SIGNATURES


Pursuant to the requirements of the Securities Exchange Act of 1934, the
Registrant has duly caused this report to be signed on its behalf by the
undersigned thereunto duly authorized.

                                               Unitrin, Inc.


Date:  September 30, 2003                      /s/ Scott Renwick
                                               -----------------------------
                                               Scott Renwick
                                               Senior Vice President

EX-99

                                                                  Exhibit 99.1




Unitrin Estimates Isabel - Related Losses.

Chicago, IL - September 30, 2003 (BW) - Unitrin, Inc. (NYSE:UTR) announced
today that it estimates its catastrophe losses related to Hurricane Isabel to
be approximately $6 million after-tax, or $0.09 per share. Unitrin plans to
release its full results for the third quarter on or about October 22, 2003.

This press release contains forward-looking statements. Readers are cautioned
not to place undue reliance on such statements, which speak only as of the
date of this press release. Forward-looking statements are subject to risks
and uncertainties which could cause actual results to differ materially from
those contemplated in such statements. No assurances can be given that the
results contemplated in any forward-looking statements will be achieved or
will be achieved in any particular timetable. Unitrin assumes no obligation to
release publicly any revisions to any forward-looking statements as a result
of events or developments subsequent to the date of this press release.

Unitrin's subsidiaries are engaged in three businesses: property and casualty
insurance, life and health insurance, and consumer finance. Additional
information about Unitrin is available on its website (www.unitrin.com).



Contact:

Unitrin, Inc.
Edward J. Konar
(312) 661-4930
Investor.relations@unitrin.com