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

This Kemper car insurance review examines the offerings of Kemper Direct Auto Insurance, Kemper Corporation’s division focused on direct auto coverage, and the Kemper Property & Casualty Group, which handles a broader range of property and casualty insurance.

With rates starting at $47 per month, Kemper offers competitive auto insurance options backed by the strength of its parent company, Kemper Corporation. Learn more about the different types of car insurance coverage.

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

We’ll explore Kemper car insurance’s key features, benefits, and potential drawbacks to help you decide if it fits your needs. Shop for the best liability-only car insurance with our free quote comparison tool. Enter your ZIP code to begin.

Kemper Car Insurance Review

Kemper car insurance offers various coverage options across all 50 U.S. states and the District of Columbia, making it a well-known name in the insurance industry.

In this comprehensive review, we’ll explore Kemper’s coverage costs, how it compares to competitors, available discounts, customer reviews, and more to help you decide if Kemper is the right choice for you. Explore safe driving tips to get more details.

Kemper Car Insurance Cost

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. Read about what car insurance covers to find out more.

Kemper Car Insurance Coverage

Kemper provides standard coverage options such as:

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

Additionally, Kemper offers specialty coverage like:

• Accident Forgiveness
• Gap Insurance
• Trip Interruption Protection

Kemper also provides SR-22 insurance for high-risk drivers, which can be required after certain traffic violations or accidents. Discover the perks of staying on your parent’s car insurance policy for further insights.

Kemper Average Cost vs. Competitors

Kemper’s rates are often more expensive than national providers, such as Geico and Progressive, especially for high-risk drivers. Kemper may not be the most budget-friendly provider, but its strength in offering coverage makes it stand out from other companies.

Additionally, its nationwide availability ensures that the policyholder can seek coverage in several different regions. To gain more information, browse the best car insurance by vehicle.

Kemper Car Insurance Discounts

Kemper offers a variety of discounts to help lower your premium, including:

• Safe Driver Discount: For maintaining a clean driving record
• Good Student Discount: For students with good grades
• Military Discount: For active-duty or retired service members
• Bundling Discount: When combining home, life, or health insurance with auto insurance

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

Kemper offers discounts, including safe driver, good student, military, and bundling savings.

Additional programs like Diminishing Deductible and Accident Forgiveness help lower costs while maintaining coverage. For additional details, refer to what car insurance brokers do.

Kemper Car Insurance Customer Reviews

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. The NAIC reports higher-than-average complaints during recent years at Kemper. Visit the perks and pitfalls of car insurance add-ons to get the full scoop.

Kemper Car Insurance: Pros and Cons

Kemper car insurance offers many coverage alternatives, each with inevitable trade-offs. Whether you want to find discounts or specialized coverage, it’s always a benefit to compare the advantages and disadvantages to determine if Kemper best fits your needs.

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 who has been 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.

Kemper Business Reviews

However, Kemper has earned an A++ rating from A.M. Best, 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

Auto Insurance Study, Kemper ranked below average, particularly in customer satisfaction areas such as ease of claims filing and agent communication. Consult the best car insurance companies to learn more.

Kemper Car Insurance: Coverage and Customer Service Insights

Kemper auto insurance offers various coverages and discounts, so it’s a good fit for specific types of drivers —precisely, drivers 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. Affordable car insurance rates are just a click away. Enter your ZIP code into our free quote tool to find the best policy for you.