AutoInsurance.com
Published: July 9, 2019Last updated: November 22, 2022

Kemper Auto Insurance Review

Find out what Kemper has to offer

Founded more than 30 years ago, the Chicago-based Kemper Corporation offers two different kinds of consumer car insurance. Its Kemper Auto brand is geared towards high-risk drivers, while the Kemper Personal Insurance brand caters to standard drivers. Keep reading to learn more about what you could expect from a Kemper auto insurance policy.

Key Takeaways

Who it’s best for:

  • Drivers looking to bundle auto insurance with a wide variety of other vehicle, property, life, and health insurance options
  • Drivers who want pay-as-you-go roadside assistance without a membership fee
  • High-risk drivers in need of SR-22s

Who it’s not best for:

  • Drivers who use their insurance company’s app a lot
  • Drivers who prioritize the customer service experience

Pros and Cons of Kemper Car Insurance

Pros

  • Affordable high-risk coverage: The Kemper Auto line specializes in high-risk drivers. High-risk auto insurance tends to be significantly more expensive than conventional insurance, but Kemper’s average annual cost of $1,661 is more affordable than many other companies that specialize in high-risk insurance.
  • Enhanced coverage options: Kemper offers some less common specialty insurance coverage options, including key replacement, trip interruption reimbursement, and a first accident waiver.
    Cons

Low customer satisfaction: Kemper was ranked last in J.D. Power’s most recent auto insurance customer satisfaction survey. Many customer reviews on Kemper’s Better Business Bureau profile express dissatisfaction with the company’s customer service responsiveness.

What Does Kemper Cover?

  • Bodily injury liability and property damage liability insurance: Liability coverage is the most basic form of insurance and is legally required in 48 states. If you are determined to be at fault in an auto accident, bodily injury liability insurance will pay for medical care for injured parties other than yourself and your passengers. Property damage liability insurance covers the cost of repairing other peoples’ property if you’re determined to be at fault for an accident. While it may be tempting to settle for the minimum amount of insurance to save, there are many advantages to having full coverage auto insurance vs. liability insurance only.
  • Collision insurance: While liability insurance will pay for damage to other drivers’ cars if you cause an accident, you will need collision insurance to pay for repairing or replacing your own vehicle. While this form of coverage isn’t mandatory in any state, we highly recommend it to protect your own property.
  • Comprehensive coverage: Comprehensive insurance protects your vehicle if it’s damaged by something other than a collision. This often includes weather damage, vandalism, theft, and damage from hitting an animal.
  • Loan/lease insurance: Also known as gap insurance, this insurance kicks in if your car is totaled or stolen and can’t be recovered. Your insurance settlement will often pay the actual cash value of the vehicle, which may be significantly less than what you still owe on your car loan or lease. Loan/lease insurance covers that difference so you’re not stuck with the bill.
  • Underinsured and uninsured motorist coverage: Underinsured and uninsured motorist coverage comes into play if you’re involved in an accident where the driver at fault has no insurance or insufficient coverage. This insurance can pay for your medical care and for damage to your property beyond the level that the other driver’s insurance may cover. It also kicks in when the driver at fault can’t be identified or found, such as in the case of a hit-and-run.
  • Roadside assistance: If you add a DriverClub roadside assistance policy, Kemper offers 24/7 towing, jump-starts, fuel delivery, lockout services, and tire change services. Rather than pay an annual fee for DriverClub membership, Kemper customers pay only for the services they have used.
  • Enhanced coverage: Kemper’s enhanced insurance option, Kemper Prime Auto Enhanced, combines a range of specialized coverages, including personal property protection in the case of car theft or break-in, trip interruption expenses, and key or entry transmitter device replacement.
  • SR-22 forms: An SR-22 is not a type of insurance itself. Rather, it’s a certificate of financial responsibility that proves that you have minimum insurance legally required for your car. Your state DMV may require you to file an SR-22 if you have been convicted of a crime such as a DUI or reckless driving. Kemper offers affordable SR-22 filing for drivers with suspended, revoked, or canceled licenses.
  • Insurance for no-license drivers: While you are not legally required to have a driver’s license to insure a vehicle, not all insurance providers are willing to insure unlicensed individuals. Kemper, on the other hand, offers policy options for drivers who have only state IDs, international driver’s licenses, or Mexican Certificados de Matrícula Consular de Alta Seguridad.

What Will My Auto Insurance Rate Be?

Using AutoInsurance.com’s up-to-date market analysis, we have determined that Kemper’s average annual cost is $1,661 per year. While this number is higher than the $1,070.47 national average price of car insurance, it’s lower than the average cost of many other car insurance companies that offer high-risk insurance.

CheckKEEP IN MIND

Your own annual cost will vary depending on your unique characteristics. Insurance companies take lots of information about you into account when determining your rate, including your driving history, credit score, age, and location. Make a point of learning more about the factors that affect car insurance rates, so you have all the information.

Discounts

  • Advance insurance quotes discount: If you’re a prospective customer who receives a quote from Kemper and chooses to move forward with purchasing the policy, you may be eligible for this discount.
  • Anti-theft discount: Car theft is a serious issue that costs insurance providers a lot of money. Kemper offers discounts to drivers whose cars have active or passive devices that disable their cars to prevent theft.
  • Bundling discount: You can save by insuring both your car and home with Kemper. The company offers this discount for bundling auto and homeowners or renters insurance on the same deductible and billing statement.
  • Defensive driving course discount: You can complete a state-approved defensive driving course to qualify for a discount on your policy.
  • Good student discount: If you are a full-time student who maintains a Grade Point Average of 3.0 or higher, you can earn a discount for your good grades.
  • Homeowner discount: You can qualify for this discount if you or someone on your Kemper auto policy has a homeowners insurance policy with an address that matches the address on your auto insurance policy.
  • Military discount: Active-duty and retired U.S. military and National Guard members are eligible for a special discount. Junior and senior cadets at military academies also qualify for this discount.
  • Multi-car discount: If you or your household members own multiple cars and insure them on one Kemper policy, you can save with this discount.
  • Paid-in-full discount: You can qualify for this discount by paying the full amount of your auto insurance premium upfront, rather than by making payments monthly.
  • Proof of prior insurance discount: If you have previously had an auto insurance policy from Kemper or another insurance provider, you may be eligible for this discount.
  • Diminishing deductible: Kemper Prime Auto Enhanced plans include a diminishing deductible to reward safe driving, meaning that your deductible costs will go down as you drive without getting in an accident.
  • Accident forgiveness: If you’re a Kemper Prime Auto Enhanced customer, you can receive a waiver for your first accident or minor violation.

Availability

Kemper is licensed to provide auto insurance in all 50 U.S. states and in Washington, D.C. 

CheckFYI

All states except for Virginia and New Hampshire legally require drivers to have at least a minimum amount of car insurance. To learn more about your state’s auto insurance requirements, check out our auto insurance guide.

Kemper Customer Service

Customer service:

  • Phone: Call 1-800-782-1020 toll-free, available 8:00 a.m. to 5:00 p.m. local time, Monday to Friday.
  • Email: customer.service@ipacc.com.

Claims:

  • Phone: Call 1-800-3KEMPER toll-free, available 24 hours a day, seven days a week.
  • Report online: https://claimsonline.kemper.com/en/report-claim.

DriverClub roadside assistance:

    • Phone: Call 1-855-697-4611 toll-free, available 24 hours a day, seven days a week.

Mailing address:

Kemper Corporation
200 East Randolph Street, Suite 3300
Chicago, IL 60601

Online options:

  • Kemper MyPortal customer login: https://www.kemper.com/my-policy/customer-login.
  • Kemper customer service email tool: https://www.kemper.com/about-kemper/contact-us.
  • Find a nearby Kemper agent: https://www.kemper.com/get-started/find-an-agent.

Connect with Kemper on social media:

  • Facebook: https://www.facebook.com/KemperInsurance/
  • LinkedIn: https://www.linkedin.com/company/kemperinsurance/
  • Twitter: https://twitter.com/kemperinsurance

Mobile Apps and Online Features

Kemper offers a mobile app called Kemper Auto Insurance that offers convenient access for customers on the go. The app allows policyholders to view ID cards, make claims and access claim status and history, make payments and view payment history, upload documents, and chat with customer service. Prospective customers can also view quotes and find local agents.

The Kemper Auto Insurance app is available for both iOS and Android mobile devices. It has an Apple App Store rating of 1.5 out of five stars, averaged from 144 ratings, and a Google Play store rating of 2.3 out of five stars, averaged from 244 ratings. Many of the negative reviews mention the app not loading or not accepting valid login information.

Third-Party Ratings

  • Better Business Bureau: The Better Business Bureau (BBB) gives the Kemper Corporation an A+ rating and has accredited the company since 2021. The customer reviews section rates Kemper at 1.03 out of five stars, averaged from 173 customer reviews. Many of the complaints cite difficulty getting in touch with the company, with calls and emails going unreturned.
  • A.M. Best: A.M. Best is the largest credit rating agency in the U.S. insurance industry. It issues financial strength ratings and outlook assessments for various insurance providers. In practical terms, these ratings translate to a company’s financial stability and, therefore its ability to pay out future claims. A.M. Best has rated the Kemper Corporation’s financial strength at an A-, with a category designation of “excellent.” A.M. Best also classifies Kemper’s financial outlook as “stable.”
  • J.D. Power 2022 U.S. Auto Insurance Study: Consumer insight company J.D. Power conducts an annual customer satisfaction survey for the auto insurance industry. Based on customer reviews in California, J.D. Power assigned Kemper 748 out of 1,000 possible points, making Kemper the lowest-rated company it studied in the state.

Company History

The Kemper Corporation was founded in Chicago, IL, in 1990 under the original name Unitrin, Inc. At the time, the business had three departments: life and health insurance, property and casualty insurance, and consumer finance, which offered business and automotive loans.

In 2018, Kemper reorganized its subsidiaries into four categories:

  • Kemper Auto: High-risk auto insurance
  • Kemper Personal Insurance: Standard auto insurance and insurance for other types of vehicles
  • Kemper Life: Life insurance policies
  • Kemper Health: Medical and health insurance

Since 2015, the company has bought three other insurance providers:

  • Alliance United Insurance Company
  • American Access Casualty Company
  • Infinity Property and Casualty Corporation

As of November 2022, Kemper has more than $13 billion in assets. It has served more than six million insurance policies, has approximately 33,500 agents and brokers, and employs more than 10,100 associates.

Other Insurance Kemper Provides

Automobile insurance:

  • ATV
  • Boat and watercraft
  • Boat trailer
  • Motorcycle
  • RV

Property insurance:

  • Condo
  • Flood
  • Homeowners
  • Mobile home
  • Renters

Business insurance:

  • Business owners’
  • Commercial auto
  • Commercial general liability

Life insurance:

  • Accident and health
  • Fire and contents protection
  • Guaranteed issue life
  • Term life
  • Whole life

Health insurance:

  • Accidents
  • Critical illness
  • Dental
  • HeartCare
  • Home health care
  • Hospital confinement
  • Individual voluntary
  • Medicare supplement
  • Vision
  • Worksite voluntary

Additional coverages:

  • Personal valuables
  • Personal umbrella liability

Canceling Kemper Auto Insurance

If you’re looking to cancel your Kemper auto insurance policy, call the customer service hotline at 1-800-782-1020 or reach out to your local Kemper agent. If you paid for your policy upfront and have unused coverage time, inquire about refund options for the remainder of your payment.

Frequently Asked Questions

Is Kemper the same as Infinity insurance?

Yes, Kemper bought Infinity in 2018, so they are the same company as of November 2022.

Does Kemper have accident forgiveness?

Yes, Kemper’s enhanced auto insurance coverage includes accident forgiveness for your first accident or minor violation.

Will Kemper cancel my insurance?

Kemper can only cancel your car insurance if you haven’t paid your premium, you committed fraud on your application, or your license has been suspended or revoked.