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Published: December 8, 2022Last updated: March 22, 2023

Kemper Auto Insurance Pricing

Car insurance for those who have had trouble getting insurance

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Kemper Auto Insurance is an affordable option for drivers who may have previously had difficulty locking in insurance policies. It offers a wide range of policy options so that consumers can customize a policy, whether that is getting state minimum coverage or more robust coverage. This Kemper Auto Insurance pricing page reviews average costs, available discounts, and features of the company so that you can make an informed decision.

Kemper Car Insurance Rates

Kemper’s average annual premium is $1,661. This average is well below the national average of $2,071 per year for other car insurance companies. Your exact rate is contingent on a multitude of factors, including your age, driving history, location, and insurance coverage options. You’ll pay more to have full coverage compared to minimum coverage that meets the state’s requirements.

Just because the average is on the lower side doesn’t mean that your price will be the lowest that you can find. We recommend shopping around and comparing rates. Make sure that the quotes have the same coverage options (property damage liability, medical payments, comprehensive coverage, and collision coverage, to name a few).

NOW YOU KNOW:

When you get a full coverage policy, you elect to have comprehensive, collision, and medical payments coverage for the vehicle and your passengers. Full coverage is above and beyond the state minimum insurance requirements that you must have.

Discounts

Kemper Auto Insurance offers eight discounts that you may be eligible for. Be sure to ask your agent to apply all discounts for the best-price car insurance quote. The discounts are listed below.

  • Advanced quote: You get this discount when you get a quote with an effective date in the future and decide to purchase prior to that effective date.
  • Proof of prior insurance: This gives you a discount if you can show Kemper that you have a valid policy with another carrier.
  • Paid-in-full: Save money when you pay for the policy in full rather than making monthly payments.
  • Multi-car: Lower your cost per automobile when you insure more than one vehicle with Kemper.
  • Defensive driving course: Take and pass an approved defensive driving course to receive a discount.
  • Good student: Students with a GPA of 3.0 or higher are eligible for this discount. Learn more about the best car insurance for college students, but note that your auto insurance quote will still be higher for a young driver.
  • Military: If you are serving in the military or the National Guard, you are eligible to save money on your policy.
  • Homeowner: When you have a homeowners policy that has a matching address to your auto policy, you can get a discount.

Favorite Features

12-Month Auto Insurance Policies

Many auto insurance carriers sell policies on a six-month basis, but Kemper underwrites you for 12 full months. This policy means that if you have an accident or get a ticket, your premium won’t increase during the 12-month period. By locking in the rates, you can save money for longer.

Policies for Those With International Licenses

It is difficult to get insurance when you have an international license, with many insurance companies requiring that you obtain a local license. If you have an international license, Kemper can underwrite the policy just as it would if you had a state-issued driver’s license. This policy makes it easier for those immigrating to the U.S. to meet the legal requirements of insurance.

SR-22 Policies

Not every insurance carrier will write policies for those who need SR-22s, but Kemper does. An SR-22 is a form that a state requires from drivers who have had serious offenses such as reckless driving, driving under the influence, or excessive speeding over 100 mph. Not only does Kemper underwrite these policies, but it also manages to keep them affordable.

Availability

Kemper serves customers in all 50 states plus Washington, D.C. It uses local independent agents and brokers to market, sell, and service policies for customers. Independent agents represent the company and are appointed by Kemper but are not required to only sell their insurance because they are not captive. Similarly, brokers work for the consumer and shop the Kemper policy along with other carriers.

Cancellation Policy

You can cancel your policy at any time without a fee. Cancel your policy by calling your independent agent or using the customer service number at 866-860-9348.

Company Background

Kemper Corporation began in 1990 as a spin-off from the large industrial conglomerate, Teledyne, founded by Henry Singleton in 1960. The spin-off was not a subsidiary but instead formed its own company with assets from Teledyne, a publicly traded company on the New York Stock Exchange.

Kemper’s original name was Unitrin. Unitrin began trading on the Nasdaq immediately at $31.25 per share. The company had three categories of service: health insurance, property and casualty insurance, and finance.

Unitrin purchased the rights to the Kemper name in 2010 and began operating as Kemper in 2011. It moved to the New York Stock Exchange, trading under the symbol KMPR. Kemper has nearly $15 billion in assets, with headquarters in Chicago, Illinois.

Today, Kemper services more than 6.2 million policies. It has a nationwide team of 34,500 agents and brokers, with more than 10,400 associates available to assist customers with their servicing needs. Kemper’s AM Best rating is an A- (Excellent), which means it is financially stable and able to handle customer claims. Expect an easy claims process.

Kemper Contact Information

You can reach Kemper by contacting your independent agent for servicing needs. If you want to call Kemper directly, you can reach customer service at 800-782-1020 between the local hours of 8 a.m. to 5 p.m., Monday through Friday. Email customer service at customer.service@ipacc.com. Mail correspondence to:

  • Kemper Auto
  • P.O. Box 830189
  • Birmingham, AL 35283-0189

TIP:

Working with your independent agent can give you a better service experience because your agent understands your background and has a personal relationship with you. While getting help from the call center is effective, it may feel like someone is just checking off a list of items during the call.

Conclusion

Kemper Auto Insurance is a good option for you if you have had a ticket or accident in the past. Not only will it underwrite policies for tough-to-insure people, but it does so at an affordable rate. It doesn’t sacrifice financial strength to do this, either. The company maintains “excellent” AM Best ratings and has the assets to back up even catastrophic claims scenarios.

Frequently Asked Questions

What are the billing charges for Kemper Auto Insurance?

Kemper adds a billing charge when you pay your premiums monthly to cover administrative costs. The rate varies by state.

Why is Kemper not included in Consumer Reports’ Auto Insurance ratings?

Consumer Reports has a list of companies that it rates each year. Kemper does not meet certain Consumer Reports’ criteria, such as size, consumer feedback, and availability.

How long do I have to pay my Kemper Auto Insurance premium?

In most states, Kemper has a grace period of 30 days on an auto insurance policy premium. The grace period means that you can pay your premium late without incurring a policy lapse.

How to find my Kemper Auto Insurance policy number?

You can find your Kemper Auto Insurance policy number on your policy’s declarations page or on your insurance ID card.

Citations

  1. WHAT IS THE DIFFERENCE BETWEEN CAPTIVE AND INDEPENDENT INSURANCE AGENTS? America’s Professor. (2022).
    https://americasprofessor.com/general/what-is-the-difference-between-captive-and-independent-insurance-agents/

  2. Kemper Financial Indemnity Company. AM BEST. (2022).
    https://ratings.ambest.com/CompanyProfile.aspx