Kemper Car Insurance Review in 2024

Kemper car insurance offers coverage in 50 U.S. states and the District of Columbia. Kemper insurance policy options include basic coverage with supplements including GAP insurance and personal injury protection. If you purchase a policy from Kemper insurance, you can take advantage of several discounts, including safe driver, good grades, military member, and auto pay insurance discount.

UPDATED: Oct 13, 2024Fact Checked

Merriya Valleri

Expert Insurance Writer

Merriya Valleri is a skilled insurance writer with over a decade of professional writing experience. Merriya has a strong desire to make understanding insurance an easy task while providing readers with accurate and up-to-date information. Merriya has written articles focusing on health, life, and auto insurance. She enjoys working in the insurance field, and is constantly learning in order to ...

Expert Insurance Writer

Travis Thompson

Licensed Insurance Agent

Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...

Licensed Insurance Agent

UPDATED: Oct 13, 2024

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance related. We update our site regularly, and all content is reviewed by car insurance experts.

UPDATED: Oct 13, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Oct 13, 2024Fact Checked
2.8
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Kemper Insurance Company

Average Monthly Rate For Good Drivers

$167

A.M. Best Rating:

A-

Complaint Level:

Low

Just the Basics

  • Kemper Insurance offers standard auto insurance and several supplement coverage options such as trip interruption protection in 50 U.S. states and the District of Columbia
  • Kemper Insurance has an extensive agent network with over 6,000 in-house sales professionals and more than 20,000 independent contractors
  • Kemper offers discounts for customers who bundle their auto insurance with other coverage, including boat, condo, or renters insurance

It can be a challenge to find the right insurance for your individual situation. When you’re in the market for auto insurance, read reviews to find the best insurance company for your budget and coverage needs. This Kemper car insurance review provides crucial information to help you select the best company for your family or business.

This review covers several topics, including insurance coverage options, available discounts, policy availability, and the process to submit a claim. We also provide information on Kemper’s customer service ratings so you have everything you need to know about choosing the insurance company that fits your needs.

Kemper Car Insurance Coverage

Kemper is one of the leading insurance companies in the U.S. Founded in 1990, the company structure is made up of 6,000 in-house sales agents and 20,000 independent contractors. It provides various types of insurance to businesses, families, and individuals. Headquartered in Chicago, Kemper Corporation is made up of subsidiaries, including Kemper Property and Kemper Life, that offer different types of insurance. It is possible to create a personalized insurance policy comprised of several different types of insurance.

Kemper auto insurance coverage provides financial assistance for medical payments or property damage if you are involved in an auto collision. The company delivers an array of coverage options, including bodily injury liability, property damage liability, comprehensive coverage, and medical payments. Kemper specialty options include personal injury protection, accident forgiveness, trip interruption protection, and GAP insurance.

The company also specializes in SR-22 insurance to help high-risk drivers get back on the road following a series of car accidents. SR-22 coverage serves as proof that your auto policy meets specific coverage regulations if required by a state court order.

However, it consistently ranks below other auto insurance companies regarding customer satisfaction. According to the National Association of Insurance Commissioners, Kemper’s customer complaints doubled from 2019 to 2020. Further, the privacy of customer information has recently come into question. The company has suffered several high-profile attacks that may have compromised the security of policyholder information.

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What car insurance discounts are available?

Kemper insurance offers a number of discounts and financial incentives for its customers. It provides accident forgiveness for your first collision, so your rates do not increase. It also offers a diminishing deductible option which decreases your deductible requirements if you go a certain amount of time without a collision.

Kemper car insurance provides discounts to keep your monthly rates affordable. If your vehicle is equipped with air bags, anti-theft devices, or anti-lock devices, you may qualify for a concession on your rates. Additional discounts include:

  • Good grades discount
  • Student driver
  • Completion of a defensive driving course
  • Multi-car policyholder
  • Military discount

Kemper insurance payments can be paid online or on the company’s mobile application. The company offers several discounts when paying your monthly insurance bill:

  • Advance quote purchase discount. Discounts are offered to members who buy a quote before its effective date.
  • Payment in full discount. Kemper insurance offers discounts to customers who pay off their monthly rates at the beginning of the policy instead of paying monthly installments.
  • Homeowner discount. You can save on your rates if you bundle your auto insurance with your home policy. 

There are also several discounts if you want to upgrade your car insurance coverage. In the Kemper Prime Auto Enhanced program, your first accident or minor traffic violation is waived with a diminished deductible if you drive safely in the future. The company also provides discounts if you have your payments automatically withdrawn from your bank account or if you bundle your home or health insurance with your auto policy.

What states does Kemper Insurance offer coverage in? 

Kemper agents sell auto insurance in all 50 states and the District of Columbia. However, keep in mind that certain states are considered preferred areas. Customers can purchase insurance directly from Kemper in these states, while insurance may be offered through a partner company in a non-preferred state. You can check the rates in your area by contacting one of the agents in Kemper’s extensive agent network.

How To File a Kemper Car Insurance Claim

Virtually every person in the U.S. knows someone who has been in a car crash. While buying a dependable vehicle and driving safely can decrease your risk of being in a car crash, you need to know how to file a claim if you are involved in a collision. Kemper insurance offers a streamlined claims process. Policyholders can file a claim in the following ways:

  • Over the phone
  • Via Kemper’s website
  • On the company’s mobile phone application

You are connected with a Kemper insurance adjuster once you initiate the claims process. You need to compile several pieces of information before you contact the company to report the accident. Have the following handy when talking to your adjuster:

  • Contact and vehicle information for all parties involved in the crash
  • Crash details, including location, weather conditions, and time of day
  • Pictures of property damage caused by the crash
  • Names and contact information of responding police officers
  • A copy of the official accident report 

Policyholders should also be prepared to provide a statement of events to the insurance adjuster. Keep in mind a Kemper insurance payment claim does not need to be filed by the policyholder. Agents, legal representatives, and other injured parties can also file claims.

Customer service is vital during the claims process. To best determine Kemper’s average customer satisfaction rating, we referred to scores from J.D. Power for more information. Its U.S. Auto Insurance Study rates U.S. car insurance companies. While the study only surveyed California-based customers, Kemper is the lowest-rated company. It was related below average for agent knowledge, helpfulness, and friendliness.

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Does Kemper offer other types of insurance?

You can customize your auto insurance with other types of coverage to meet your needs. While you should confirm current coverage options with your agent, Kemper offers these types of insurance:

  • Boat insurance
  • Collectibles insurance
  • Commercial car insurance
  • Condo insurance
  • Homeowners insurance 
  • Identity theft insurance 
  • Renters insurance 
  • Life insurance

Remember that coverage options may vary depending on whether you live in a preferred or non-preferred area.

Kemper Car Insurance: The Bottom Line

Kemper auto insurance offers coverage in 50 U.S. states and the District of Columbia. When you purchase a policy from Kemper, your options include basic coverage plus supplemental insurance, including GAP insurance and trip interruption coverage.

Kemper offers several discounts for policyholders to keep rates low. These discounts are offered to clients who maintain good grades or pay their policies in full. While Kemper offers affordable insurance, it rates below average for customer satisfaction. J.D. Power and NAIC rate the company poorly in many customer service categories. You should carefully consider the importance of customer service to you before choosing Kemper auto insurance.

Merriya Valleri

Expert Insurance Writer

Merriya Valleri is a skilled insurance writer with over a decade of professional writing experience. Merriya has a strong desire to make understanding insurance an easy task while providing readers with accurate and up-to-date information. Merriya has written articles focusing on health, life, and auto insurance. She enjoys working in the insurance field, and is constantly learning in order to ...

Expert Insurance Writer

Travis Thompson

Licensed Insurance Agent

Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...

Licensed Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance related. We update our site regularly, and all content is reviewed by car insurance experts.

Reviews
for Kemper Corporation

2.84 (209 reviews)
1
July 14, 2023

lisal

Stay far away

Kemper changed my policy from a 12 month to a six month- but same payment. Doubled my premium. Reason: a glass claim. $500 windshield. I dared to use coverage I have paid for for many years but never needed before. My punishment for daring to use what I bought?? Doubling my premium. Stay far away from this shady company.
1
May 15, 2023

deniser89

Negligent Company

I have been completely ignored since i submitted my claim on 02/28/2023. My car was stolen. I did everything that was instructed of me and not once have a i received a call from any of the agents assigned to me, or any of the supervisors I have left voicemails to. I had questions I needed answers to and no one would call me. I find this to be completely unprofessional and negligent of customers. I have also sent an email and forwarded to my lawye...
I have been completely ignored since i submitted my claim on 02/28/2023. My car was stolen. I did everything that was instructed of me and not once have a i received a call from any of the agents assigned to me, or any of the supervisors I have left voicemails to. I had questions I needed answers to and no one would call me. I find this to be completely unprofessional and negligent of customers. I have also sent an email and forwarded to my lawyer who is ready to take action but I have been trying my best to give the benefit of doubt that maybe just maybe this week they will finally give me a call with an actual update. Its about to be three months and i am running out of patience. I don't know how anyone would continue to work with Kemper / Infinity after having these issues.
1
May 6, 2023

Moni_R

Horrible insurance

No communication, accident happened 5 days ago. They said someone would come look at the damage of the car….NO body ever called or showed up. They offer no rental service coverage. This issuance is by far the worst I highly do not recommend.
1
April 25, 2023

Josh_P

Kemper auto insurance is a scam

Horrible auto insurance company. Poor customer service, poor adjusters, and poor appraisers. These guys are crooks that only look out for their bottom line and saving their company money. DON'T USE!!!!
0.5
April 20, 2023

Josh Pico

Kemper Corporation review

Kemper/Infinity Auto Insurance is a scam! They will collect your premiums without helping you in the time of need. Absolute crooks. DON\'T USE THEM!!! Department of Insurance complaints confirm this review. Avoid this company, they will not take care of you.
1
April 24, 2022

Karla_

Too expensive!

Kemper is a rip off. My payment goes up a few dollars after a few months and they just disregard it as ‘it’s just a few dollars’. Maybe I don’t have a few dollars and thought the agreed amount would stay the same. Be aware. I would never refer to them to anyone. As careful of a driver as I am I don’t feel comfortable they would cover damages from an accident.
1
April 2, 2022

Moquendo_

This company is not trustworthy! Look for another insurance

Beware of these people, I renewed my insurance policy with them, paid in full and then get a bill the next month for $904.00 more! I called and spoke with [REDACTED NAME] she basically said that my insurance increased because the change of address, BUT I was not informed of this at the time of renewal. Now I have to either come up with an extra $375 within a week or I’ll have to pay the $904. There are many companies, don’t go with them they ...
Beware of these people, I renewed my insurance policy with them, paid in full and then get a bill the next month for $904.00 more! I called and spoke with [REDACTED NAME] she basically said that my insurance increased because the change of address, BUT I was not informed of this at the time of renewal. Now I have to either come up with an extra $375 within a week or I’ll have to pay the $904. There are many companies, don’t go with them they will blind side you with extra charges!
1
July 10, 2021

sergeche

the worst insurance ever

If you don't want to loose your money, time and nerves never have any business with this company. My car was declared total loss more than 2 months ago, their adjustors and supervisors just never call you back. When you try to reach them, you never spend less than 40 minutes on the phone line,waiting for somebody to answer, you leave your information again and again and nobody calls your back. Next week I will go to the consumer protection agency...
If you don't want to loose your money, time and nerves never have any business with this company. My car was declared total loss more than 2 months ago, their adjustors and supervisors just never call you back. When you try to reach them, you never spend less than 40 minutes on the phone line,waiting for somebody to answer, you leave your information again and again and nobody calls your back. Next week I will go to the consumer protection agency, because people should be protected from dishonest business practices
1
July 6, 2021

Garrett_W

THE WORST INSURANCE COMPANY EVER - THEY WILL NOT HELP YOU

If you want a claim to be handled, at all, when you are 100% not at fault, stay far away from Kemper! I was involved in a crash 2/22/2021 and was 100% not at fault and Kemper still has not taken care of my claim. I have had three different adjusters who either stop responding or tell me "a manager will get back to me" (5 times now) or "it is being reviewed by the _____ team now" (3 times now) and nother ever happens. IT HAS BEEN FIVE MONTHS FO...
If you want a claim to be handled, at all, when you are 100% not at fault, stay far away from Kemper! I was involved in a crash 2/22/2021 and was 100% not at fault and Kemper still has not taken care of my claim. I have had three different adjusters who either stop responding or tell me "a manager will get back to me" (5 times now) or "it is being reviewed by the _____ team now" (3 times now) and nother ever happens. IT HAS BEEN FIVE MONTHS FOR A $2,000 CLAIM AND THEY WILL NOT HELP ME. THE WORST COMPANY I HAVE EVER DEALT WITH.
1
June 28, 2021

MsKendall

Worst Customer Service

I have been stranded for over 3 hours and continue to call Kemper claims for road side assistance. They initially had me on hold aware I was stranded on the side of the road then disconnected the call with no return call. It may be that their call service is in India; however it is horrible customer service. I have now called over 7 times and they continue to disconnect the call. While the rate is reasonable, you definitely get what you pay f...
I have been stranded for over 3 hours and continue to call Kemper claims for road side assistance. They initially had me on hold aware I was stranded on the side of the road then disconnected the call with no return call. It may be that their call service is in India; however it is horrible customer service. I have now called over 7 times and they continue to disconnect the call. While the rate is reasonable, you definitely get what you pay for. I will researching a new auto insurance and pay the slightly higher premiums.
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