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.
Who it’s best for:
Who it’s not best for:
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.
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.
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.
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.
Kemper is licensed to provide auto insurance in all 50 U.S. states and in Washington, D.C.
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.
200 East Randolph Street, Suite 3300
Chicago, IL 60601
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.
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:
Since 2015, the company has bought three other insurance providers:
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.
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.
Yes, Kemper bought Infinity in 2018, so they are the same company as of November 2022.
Yes, Kemper’s enhanced auto insurance coverage includes accident forgiveness for your first accident or minor violation.
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.