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Kemper Insurance Reviews

Through an in-depth review, we rate Kemper Insurance 3.6 out of 5.0 stars for its affordable coverage and wide selection for high-risk drivers.

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09/09/2023 05:03 PM

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Kemper Insurance is a national provider that’s known for offering auto insurance coverage to high-risk drivers in all 50 states. That means the company could be a welcome option for teens, people with flawed driving records, and those with violations such as DUIs. We wanted to see how Kemper Auto Insurance stacks up against the best car insurance companies in the U.S., so we researched the company’s average premiums and policy selection and the opinions of customers and industry experts alike.

Kemper also owns Infinity Insurance, but this review focuses solely on Kemper Insurance itself. You may find references elsewhere to Kemper Direct and Unitrin Insurance, which have both been rolled into the Kemper Auto Insurance brand.

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Kemper Insurance Review

Through our review of Kemper Insurance, our team rates it 3.6 out of 5.0 stars. While Kemper Insurance does have many complaints and generally negative reviews online, it provides strong coverage to high-risk drivers at reasonable rates. Depending on your situation, that could count for a lot. Many high-risk motorists are pleasantly surprised by how much car insurance is from Kemper Auto Insurance. However, if you’re not a high-risk driver and have none in the family, you may want to look for coverage elsewhere.

Reviews Category Rating Score
Cost 3.5
Coverage 4.5
Reliability 3.5
Service 3.0
Overall Rating 3.6

About Kemper Insurance

Founded: 1990
States available: All 50 states
AM Best financial strength rating: A
Insurance types: Auto, homeowners, renters, motorcycle, ATV, boat, umbrella, health, personal property, and life insurance

Kemper Insurance Reviews and Ratings

Better Business Bureau (BBB) rating: A+
BBB complaints in last three years: 617

Customer reviews for Kemper Insurance tend to skew in a negative direction. Out of nearly 90 reviews on the BBB website, the company earns an average of only 1.0 out of 5.0 stars. While it holds an A+ rating and accreditation from the BBB, Kemper  Insurance faces an extremely high number of complaints.

Kemper insurance reviews are quite critical of their services and the company has a high complaint index of 10.077 according to the NAIC which means complaints are ten times higher than an average company their size. The company also placed last in the J.D. Power 2021 U.S. Auto Insurance Study℠ among insurance providers in California.

Positive Kemper Insurance Reviews

It was somewhat difficult to find Kemper customers who reported positive experiences. However, those who did mentioned helpful Kemper Auto Insurance agents and affordable policies for high-risk drivers.

“My insurance agency was great in helping me find Kemper when I went off my parents’ car insurance. It was a smooth and easy transition . . . I have been with my car insurance for about a year now and have had zero issues with them.”
– Dena via Consumer Affairs

Kemper Insurance Complaints

People reporting negative experiences with Kemper Insurance were much easier to find. Complaints tend to mention poor communication and difficulties during the claims process.

“It has been 30 days since an uninsured motorist hit me. Kemper is my insurance company, and so far they have done nothing! They do not return calls no matter how many times you call or beg them to do so.”
– Jane F. via BBB

“I have been waiting almost two months for an answer on whether or not my car will be fixed. They just ignore calls and emails. The managers are not helpful in any way.”
– Crystal J. via BBB

Kemper Auto Insurance Cost

Kemper Auto Insurance specializes in covering high-risk drivers at reasonable rates. Motorists who fall into that category, such as those who need SR-22 coverage, have a good chance of finding favorable pricing with the company.

Since Kemper Auto Insurance focuses on insuring high-risk drivers, coverage for other motorists can be pricier than from other providers. Still, for those looking to insure an entire family of drivers that includes teens or seniors, the combined premium may compete with some of the cheapest car insurance rates on the market.

Like nearly all providers, Kemper Auto Insurance determines personalized rates for each policyholder based on personal information and vehicle details. Here are some of the factors that can affect your car insurance premium:

  • Age: Younger drivers and senior motorists pay more for car insurance than middle-aged people. Teen drivers often pay the highest premiums.
  • Vehicle: More expensive vehicles are generally pricier to insure. The same goes for cars that are statistically more likely to be stolen.
  • Driving record: Any accident or ticket in the last three years will increase your auto insurance rates. However, premiums may go up less with Kemper Auto Insurance than with others.
  • Location: Average premiums vary wildly between states, according to a 2021 study by the National Association of Insurance Commissioners (NAIC). Rates within states can vary by ZIP code, with drivers in rural areas usually paying less than urbanites.
  • Credit score: Drivers with bad credit scores will often pay more for car insurance than those with high credit scores.

Kemper Auto Insurance Discounts

Average prices for Kemper Auto Insurance may not always be the cheapest on the market, but the company offers plenty of discounts to help lower your rates. Here are some of the savings opportunities you may be eligible for with Kemper car insurance:

  • Good student discount: Kemper Auto Insurance rewards students who maintain good grades with a policy discount.
  • Multi-car: You’ll save money on your policies if you insure multiple vehicles with Kemper Auto Insurance.
  • Paid-in-full discount: You can save money on your premium by paying for the entire term up front.
  • Defensive driving course discount: In some states, taking an approved safe driver course makes you eligible for lower rates.
  • Proof of prior insurance discount: You’ll pay smaller premiums if you had an insurance policy before signing up for Kemper car insurance.
  • Advance quote discount: Save money if you move forward on a policy before its effective start date.
  • Military discount: Active-duty military and National Guard members may save on auto insurance policies.
  • Homeowner discount: If you have home insurance, you’ll receive a lower car insurance rate.
  • Package Plus bundling discount: Save money when you bundle your auto and homeowners insurance plans into a multi-policy discount.

You may be able to find other discounts through Kemper Auto Insurance. When you request a quote, ask an insurance agent about every discount program available to you. You can use that information to compare car insurance quotes and discounts with other providers before making a decision.

Kemper Auto Insurance Payment

You can make a Kemper auto insurance payment online on its website, through its mobile app, or by calling an agent at 800-782-1020. Make sure that you have your policy number and basic personal information like your name and address before you make payments for your policy.

Kemper Auto Insurance Coverage

As a national insurance provider, Kemper Auto Insurance offers many of the same standard policies as its competitors, as well as a wide range of additional insurance options.

Standard Kemper Auto Insurance Coverage Options

Liability Bodily injury (BI) liability insurance covers the medical expenses for other drivers and their passengers after an accident where you are at fault. Property damage (PD) liability insurance pays for damages to other drivers’ vehicles after an accident where you are at fault.
Collision Collision insurance pays for damages that occur while your car is moving, either with another vehicle or a road hazard or if you flip your vehicle.
Comprehensive Comprehensive insurance pays for damages to your vehicle that are caused by animals or natural disasters. It also pays to repair or replace your vehicle if it is stolen or vandalized.
Uninsured/Underinsured Motorist Uninsured/underinsured motorist coverage pays for damages to your vehicle if you are hit by another driver who does not have insurance or does not have enough insurance to fully pay for the cost of damages.
Personal Injury Protection Personal injury protection (PIP) pays medical bills for you and your passengers after an accident. PIP may also pay for other expenses such as lost wages.
Medical Payments Medical payments (MedPay) covers medical bills for you and your passengers after an accident.

Additional Kemper Auto Insurance Coverage Options

Roadside Assistance Roadside assistance ensures that you can get help if your car breaks down on the road.
Towing Coverage Towing coverage takes care of the costs of having your car towed to the repair shop after a breakdown.
Guaranteed Asset Protection Guaranteed asset protection (GAP insurance) takes care of the difference between the amount owed on the vehicle and the cash value if your vehicle is totaled.
Rental Car Reimbursement Rental car reimbursement covers the cost of a rental car if your vehicle is inoperable after an accident.
Audio, Visual, and Electronic Equipment Coverage Audio, visual, and electronic equipment coverage will take care of electronic equipment you have added to your vehicle.
Customizing Equipment Coverage Customizing equipment coverage is meant to protect permanently installed car furnishings such as custom windows, carpeting, and toolboxes.
Auto Death or Disability Indemnity Coverage Auto death or disability indemnity coverage refers to limited payments for funeral arrangements or long-term medical needs in the case of an accident.
Reconditioned Vehicle Coverage Reconditioned vehicle coverage protects rehabilitated vehicles that had formerly held salvage titles, making them legal to drive.

You may be able to find discounts for air bags or anti-theft devices if you talk to an insurance agent directly. Similarly, you might find that accident forgiveness is provided at your office. Kemper Auto Insurance encourages drivers to ask local agents about options that aren’t listed on

Kemper Auto Insurance Roadside Assistance

The Kemper Roadside Assistance sign and drive program is an add-on coverage offering given that allows you to get 24-hour nationwide servicing if you are having issues with your vehicle. Coverage includes dead battery replacement or a jumpstart, tire changes, locksmith services, fill ups on gas and towing services when your car breaks down.

Cancel  Kemper Auto Insurance

If you would like to cancel your Kemper auto insurance policy you can either call 1-800-216-6347 or speak to an agent at a local office. If you have paid for your policy premiums in advance and have unused coverage time, you should expect a prorated refund. They also may charge you a cancellation fee so we recommend asking an agent about any expenses relating to the cancellation.

Kemper Insurance Rental Car Policy

Your Kemper Rental Car Insurance policy will cover up to $600 per accident and only $30 per day towards your rental car’s cost. If the rental vehicle is getting covered repairs, Kemper Insurance will give you a reimbursement of up to $30 per day for up to 20 days per accident. Kemper may also cover up to $600 in rental fees if you have rental reimbursement also.

Kemper Insurance: Additional Coverage Options

Kemper Insurance offers more than just auto insurance and has a variety of life, health, and home insurance options. Below we will go into more detail about life, health, and homeowners policy coverage plans available:

Kemper Life Insurance

Kemper offers three types of life insurance which include term life insurance, whole life insurance, and final expense insurance. Below we will outline the unique coverage of each:

  • Term Life Insurance: These policies have flat premiums for a specific set term and offer a guaranteed death benefit if you pass away during the policy term
  • Whole Life Insurance: This is a type of permanent life insurance that offers coverage for your entire life. Their policy has level premiums, a guaranteed death benefit, and a cash value component which comes from a portion of what you pay for premiums. If you need the money while you are alive, you can borrow the money from the cash value balance.
  • Final Expense Insurance: these policies which are often called burial insurance provides small amounts of coverage for end-of-life expenses like funerals and medical bills. This is typically a good option for those with preexisting conditions.

Kemper does not offer riders according to its website to fill any coverage gaps so you may have to use another provider or supplemental insurance to meet your needs.

Kemper Health Insurance

Kemper Health Insurance has two different types of coverage options. The policy selection includes individual voluntary assistance and worksite voluntary assistance according to their website. Below we will go into more detail about what each covers:

  • Individual Voluntary Assistance: This type of health policy is for individuals or small business with fewer than five eligible employees. Coverage options for this type of health insurance includes accidents, hospital confinement, dental and vision, Medicare supplement, home healthcare, critical illness, HeartCare, and Cancer insurance coverage.
  • Worksite Voluntary Assistance: Worksite voluntary assistance health policies are for larger businesses with over 50 employees. These policies are for employer-related health expenses. The policy coverage offered includes accident expenses and indemnity, cancer-related illness, critical illness, hospital indemnity, short-term disability, dental and vision, GAP insurance, limited medical, and whole life coverage.

Kemper Home Insurance

Kemper has three homeowners insurance policy packages which include standard home coverage as well as many add-on options to fill in any gaps. Below we will go into detail about each of their coverage packages and discounts available:

  • Kemper Prime Home Essentials: This coverage includes all six major coverage options you may need for your home with industry-standard limits for claim payments. This includes homeowners coverage for dwelling, other structures, personal property, personal liability, loss of use, and guest medical payments.
  • Kemper Prime Home Enhanced: These policies include standard coverage with higher claim payment limits along with included add-ons like water backup, personal property replacement, and identity fraud expense.
  • Kemper Prime Home Elite: This policy package includes the broadest coverage available with the highest limits with the same benefits as the Kemper Prime Home Enhanced policy.

Many discounts are also available when choosing a Kemper home insurance plan. This can include home and auto bundle discounts, military discounts, home safety equipment discounts, and protective device discounts.

Kemper Insurance App

Kemper Insurance has an official mobile app to help you manage your insurance policy. The Kemper Insurance app can help you do the following:

  • View quotes
  • Submit and manage claims
  • Chat with an agent
  • Upload documents
  • View your insurance ID card
  • Make payments and view your payment history
  • Locate agent and company contact information
  • Update your profile information

While the Kemper Auto Insurance app is available on both Apple and Android devices, it’s very poorly rated. The company’s mobile app receives a 1.4-star average rating out of 5.0 on the App Store and only a slightly better 2.3-star average from Google Play.

Kemper Insurance Auto Insurance Reviews: Conclusion

Our reviews team rate Kemper auto insurance 3.6 out of 5.0 stars for its good rates and many options for high-risk drivers. While the number of complaints about the company are extremely high, this company may be good option if you are considered high-risk.

However, other than that situation, we don’t recommend picking Kemper auto insurance coverage. With that in mind, we urge you to shop around and compare quotes so you can get the best insurance coverage for you.

Kemper Auto Insurance Competitors: Top Picks

Kemper Auto Insurance might be a great fit for drivers in certain categories, but others may find better rates, coverage, and customer service from other providers. After researching the best car insurance companies in the country, our team recommends Geico and USAA.

Geico: Best Overall Provider

In our Geico insurance review, the company scored highly in every category. It’s also available in all 50 states and Puerto Rico, which is why we name it the Best Overall Provider out of every car insurance company we researched. Geico’s combination of competitive rates, wide-ranging insurance products, and strong reputation among industry experts and customers make it an option worth considering for almost any driver.

USAA: Best For Military Members

USAA is only available to military members, veterans, and their families, and it offers benefits specific to them, such as discounts for on-base storage. In our USAA insurance review, the company received a near-perfect score across all measured categories. With a large variety of policies and options to choose from and consistently positive customer service reviews, the company is a good choice for most eligible drivers.

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Kemper Auto Insurance Review: FAQ

Who owns Kemper Auto Insurance?

Kemper Auto Insurance is owned by the Kemper Corporation and is based in Chicago. The Kemper Corporation has over $14 billion in assets and was ranked by Fortune as the 11th fastest-growing company in 2020.

Is Kemper Auto Insurance a good insurance company?

While Kemper Auto Insurance won’t be a good insurance company for everyone, Kemper may be a great fit for high-risk drivers. We rated it 3.6 out of 5.0 stars, which is a relatively good score for an auto insurance company.

Does Kemper Auto Insurance have a cancellation fee?

Yes, your Kemper Auto Insurance agent could charge you a cancellation fee if you decide to end your auto policy early.

How We Rate Insurers

Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:

  • Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
  • Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
  • Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
  • Service: We comb through customer reviews on sites like the BBB to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.

*Data accurate at time of publication.