Kemper Auto Insurance Review (2024)

What You Should Know About kemper corporation

Founded in 1990, Kemper offers various insurance products, including auto, life, and health insurance. Its subsidiaries, Kemper Auto and Kemper Personal Insurance, provide auto insurance in all 50 states and Washington, D.C. However, available coverage options vary by state.

Though Kemper works for anyone needing car insurance, high-risk drivers with revoked, suspended, or canceled licenses may find Kemper appealing as it files SR-22 forms.

Keep reading to evaluate Kemper auto insurance reviews from customers and rating agencies.

Kemper Auto Insurance Customer Service

According to the J.D. Power 2022 U.S. Auto Insurance Study, Kemper earned 14th place in California. J.D. Power ranks auto insurance companies in 11 geographical regions based on customer satisfaction with policy information, policy offerings, billing, claims, interaction, and price.

In the 2021 J.D. Power Claims Satisfaction Study, which measures customer satisfaction with auto insurance claims settled in the previous six months, Kemper earned the 19th spot.

The Kemper insurance rating from A.M. Best is A-, so the company is financially stable. In addition, it has a Better Business Bureau rating of A+, meaning Kemper insurance reviews are good.

Though Kemper works for anyone needing car insurance, high-risk drivers with revoked, suspended, or canceled licenses may find Kemper appealing as it files SR-22 forms.

Read More: Auto Insurance Companies With the Best Customer Service

kemper corporation Insurance Coverage Options

Kemper offers the following standard auto insurance coverage options:

• Liability: Covers the cost of property damage and bodily injury for the other driver and passengers involved in an accident you caused.
• Medical payments: Covers the cost of your and your passengers’ medical payments following an accident.
• Comprehensive: Covers the cost of property damage to your vehicle resulting from an incident other than a collision, including fire, vandalism, or theft.
• Collision: Covers the cost of property damage to your vehicle resulting from a collision with another vehicle or object.
• Uninsured/underinsured motorist: Covers the cost of property damage and bodily injury caused by another driver with no insurance or insufficient insurance.

Different add-on coverage options are available through Kemper depending on the type of auto insurance policy you purchase. For example, the Kemper Prime Auto Enhanced package includes the following add-on options:

• First accident or minor traffic violation waived
• Deductible for vehicles damaged while parked waived
• Diminishing deductible
• Personal property protection
• Trip interruption expenses
• Replacement of key or entry transmitter device

On the other hand, the Kemper Total package is designed for new car owners, offering broad protection for high-value vehicles. Check out its list of add-ons here:

• New car replacement: Replaces a driver’s totaled vehicle after an accident or theft.
• Increased rental allotment: Increases rental allotment for your rental vehicle while your vehicle gets repaired. Only available when insuring a brand-new vehicle.
• Annual policies: A yearly auto insurance policy allows drivers to pay the same car insurance rate for a year.
• Roadside assistance: Provides 24/7 assistance with roadside emergencies, including lockout, fuel delivery, towing, tire change, and jump-start.
• Auto loan/lease: Also known as gap insurance, auto loan/lease coverage pays the difference between the remaining loan or lease balance and the vehicle’s value.
• Personal umbrella liability coverage: Provides additional liability coverage, which can protect you financially if your standard liability coverage isn’t enough.

Certain add-on options aren’t available in all states, so contact a Kemper insurance agent to see what you can buy.

Additional Kemper Insurance Products

Kemper offers the following additional insurance products: 

• Renters
• Condo
• Umbrella
• Mobile home
• Flood
• Business
• Supplemental health
• Life
• RV
• Boat
• Motorcycle
• ATV

Certain insurance products are available through third parties, such as Kemper renters insurance.

kemper corporation Insurance Rates Breakdown

Here’s how Kemper’s auto insurance rates compare to its competitors.

Similar to other car insurance companies, Kemper offers various discounts to its customers to help them save on coverage.

Factors That Affect Kemper Insurance Rates

Insurance companies use multiple factors to calculate rates. However, rating systems vary, so drivers will see different pricing options.

Here are the factors Kemper may use to set car insurance rates:

• Age: Younger drivers, specifically anyone under 25, have less experience behind the wheel, so they’re more likely to be involved in an accident and file a claim.
• Gender: Female drivers are less likely to file a claim because they’re often safer and more responsible than male drivers.
• Driving record: Drivers with a history of accidents and/or traffic violations are high-risk.
• Location: Vandalism, theft, and accident rates in your state impact the likelihood of you filing a claim.
• Type of vehicle: Repair costs, theft rate, and safety features determine how risky it would be to insure a driver.
• Coverage type: The more coverage a driver has, the higher their car insurance rate will be.
• Annual mileage: Drivers not on the road often are less likely to file a claim.
• Credit: Drivers with poor or bad credit are seen as irresponsible, meaning there’s a good chance they’ll file a claim.

Since so many factors impact rates, it’s best to shop around and compare rates between insurance companies to confirm who’s offering the most affordable coverage.

kemper corporation Discounts Available

Kemper offers the following auto insurance discounts:

• Advance quote discount: Earn a discount for receiving a Kemper auto insurance quote and purchasing a policy before the effective date.
• Proof of prior insurance discount: Earn a discount for being previously insured.
• Paid-in-full discount: Earn a discount for paying for your policy in full.
• Multi-car discount: Earn a discount for insuring two or more vehicles.
• Defensive driving course discount: Earn a discount for completing a safe driving course.
• Good student discount: Earn a discount for being a full-time student with a minimum GPA of 3.0.
• Military discount: Earn a discount for being an active duty military or National Guard member.
• Homeowner discount: Earn a discount for purchasing a homeowners insurance policy and auto insurance policy with matching addresses.

Kemper’s car insurance discounts vary based on state and policy type, so not all customers can access every discount.

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