Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Mar 15, 2022

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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 airbags, 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.