Kemper Car Insurance Review for 2025 [See if They’re a Good Fit]

Discover Kemper car insurance review detailing SR-22 coverage for high-risk drivers needing proof of financial responsibility.

Kemper provides accident forgiveness and a diminishing deductible, helping policyholders lower long-term costs. Discover key insights on how car insurance works easily.

Kemper Car Insurance Rating

Rating Criteria
Overall Score	3.8
Business Reviews	3.5
Claim Processing	2.5
Company Reputation	4.0
Coverage Availability	5.0
Coverage Value	3.4
Customer Satisfaction	2.8
Digital Experience	4.0
Discounts Available	4.7
Insurance Cost	3.8
Plan Personalization	4.0
Policy Options	3.8
Savings Potential	4.1

Drivers who have had past mistakes or gaps can get necessary insurance while taking advantage of special savings plans.

Find out how Kemper’s specific policy options could benefit your requirements. Enter your ZIP code to explore Kemper car insurance savings instantly.

How Kemper Car Insurance Rates Compare to Competitors

This table depicts Kemper car insurance monthly prices by coverage level, age, and gender, giving minimum and full coverage options in different age ranges. Kemper car insurance rates vary significantly by age and gender. Younger drivers pay more, especially full coverage.

Kemper Car Insurance Monthly Rates by Coverage Level, Age, & Gender

The older the driver, the lower the rate. The lowest rate is paid by those 45 years old. This shows how age and level of coverage affect insurance costs.

The table below compares Kemper car insurance rates with top competitors. It outlines the monthly costs for both minimum and full coverage and shows how rates vary.

Kemper Car Insurance Monthly Rates vs. Top Competitors by Coverage Level

Insurance Company	Minimum Coverage	Full Coverage
	$75	$209
	$80	$255
	$34	$99
	$123	$149
	$70	$200
	$53	$129
	$65	$148
	$47	$95
	$50	$113
	$29	$87

USAA offers the lowest minimum coverage, $29, while Farmers has the highest, $80. Full coverage costs range from $87 with USAA to $255 with Farmers. Consult the best car insurance companies to learn more.

Kemper Car Insurance Monthly Rates by Driving Record

This table outlines Kemper car insurance rates based on driving records. A clean record secures the lowest minimum coverage rate, $47, while a DUI raises it to $87.

Full coverage rates also increase with violations. Tickets and accidents lead to higher premiums, showing how driving history affects insurance costs. To gain more information, browse the best car insurance by vehicle.

Analyzing Kemper Car Insurance Customer Reviews and Ratings

However, Kemper’s insurance rating from A.M. Best has earned an A++ grade, indicating superior financial strength in J.D. Power.

Kemper Car Insurance Business Ratings and Consumer Reviews

Agency
	Score: 795 / 1,000 Avg. Satisfaction
	Score: A Good Business Practices
	Score: 68/100 Mixed Customer Feedback
	Score: 1.10 Avg. Complaints
	Score: A++ Superior Financial Strength

In an auto insurance study, Kemper ranked below average, particularly in customer satisfaction areas such as ease of claims filing and agent communication.

Did you know? There are a few differences between personal and commercial auto insurance. Here are a few: pic.twitter.com/Fk8Ebeg5rK

— Kemper (@KemperInsurance) February 20, 2025

While customer feedback regarding Kemper is mixed, many policyholders appreciate the extensive coverage options. However, several have expressed frustration with customer service and claim handling.

Kemper Auto Insurance
byu/Jaggar345 inInsurance

The NAIC reports a higher-than-average number of customer complaints at Kemper during recent years, primarily related to claims processing, billing issues, and customer service concerns. This Reddit post has mixed opinions in the comment section about why people switch to Kemper. Read more about the perks and pitfalls of car insurance add-ons.

Exploring Kemper Car Insurance Coverage Benefits

Kemper car insurance delivers essential coverage, from bodily injury liability for at-fault accidents to collision and comprehensive insurance for vehicle protection. Kemper provides standard coverage options such as:

• Bodily Injury Liability
• Property Damage Liability
• Comprehensive
• Collision
• Medical Payments (MedPay)
• Personal Injury Protection (PIP)

High-risk drivers can also access SR-22 insurance, meeting legal requirements after violations. Additionally, Kemper offers specialty coverage like:

• Accident Forgiveness
• GAP Insurance
• Trip Interruption Protection

Specialized options like accident forgiveness and trip interruption protection add extra security. For further insights, discover the perks of staying on your parent’s car insurance policy.

Unlock Exclusive Kemper Car Insurance Discount Offers

This table highlights Kemper car insurance discounts and their savings potential. Bundling policies unlock up to 15% off while insuring multiple vehicles saves 25%.

Kemper Car Insurance Discounts by Savings Potential

Discount Name
Multi-Car	25%
Safe Driver	20%
Usage-Based (Kemper Co-Pilot)	10%
Good Student	10%
Anti-Theft Device	10%
Defensive Driving Course	10%
Paid-in-Full	10%
Paperless Billing	5%
Auto Safety Features	5%
Homeowner	5%

Safe drivers get 20% discounts, and good students qualify for 10% savings. Extra reductions apply for security features, defensive driving courses, and paperless billing. Additional savings can be found through programs like:

• Diminishing Deductible: Lowers your deductible after a certain period without accidents
• Accident Forgiveness: Avoids rate increases after your first accident

A diminishing deductible and accident forgiveness are valuable insurance features. With a diminishing deductible, your deductible decreases after a certain accident-free period, while accident forgiveness ensures your rates won’t increase after your first accident.

Additional programs like diminishing deductibles and accident forgiveness help lower costs while maintaining coverage. Find out what car insurance brokers do to compare top insurers.

Kemper Car Insurance Pros and Cons

Kemper car insurance offers many coverage alternatives, each with inevitable trade-offs.

Pros

• Wide Range of Coverage Options: Kemper provides full coverage options, including basic liability, full coverage, and specialty policies such as SR-22, so drivers can create a protection program that suits them.
• Discount: Kemper also offers safe driver and student discounts, which further reduce the cost of premiums based on a clean driving record or good school grades.
• SR-22 Coverage: Kemper is a good option for an offender convicted of offenses before and is compelled to have SR-22 coverage. Its policies are offered at a rate that meets such requirements.

Cons

• Higher Rates than Some Competition: Kemper can be costlier than competitors, especially for complete coverage and high-risk drivers. This may also compare unfavorably to Geico or Progressive.
• Increased Complaint Levels Over the Past Years: Kemper has been subjected to increasing customer complaints, with claims and billing the leading causes cited.

Kemper’s coverage is good and includes some discounts, but higher-priced policies and concerns with customer service are likely to hold some back.

Consider these issues when determining if Kemper fits your car insurance needs. To understand more, look at when to use your deductible.

Is Kemper Car Insurance the Right Choice for You

Kemper auto insurance offers various coverages and discounts, so it’s a good fit for specific types of drivers, specifically those needing SR-22 coverage.

However, the company falters with customer satisfaction and is often priced higher than companies like Geico or Progressive. Consider this if you are willing to accept a higher cost and can get one of their better discounts. Dive into how car insurance works for more insights. Get customized Kemper auto insurance quotes with our free comparison tool.