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Kemper has a wide nationwide network of agents for convenient auto insurance coverage. But with poor customer service ratings, it is not a good choice if you prioritize customer service from your provider.
- Pros & Cons
- Key Takeaways
- Company Overview
Large agent network
Exact coverage unspecified
Current class-action settlement
- Founded in 1990, Kemper Corporation includes several subsidiaries, including Kemper Auto, Kemper Auto California, and Infinity.
- Kemper services all 50 states and the District of Columbia.
- In addition to standard coverage, Kemper offers exclusive packages, such as Prime Auto Enhanced and Kemper Total.
- Eight car insurance discounts are available to help you save on your Kemper auto policy.
- Year Founded 1990
- Types of Coverage Not specified
- Available Discounts 8
- Purchasing Options Phone, local agent
- Customer Service 800-782-1020 Option 3
- Official Website https://www.kemper.com/
- Nationwide coverage: Kemper auto insurance is available in all 50 states and the District of Columbia.
- Large agent network: Kemper has over 34,000 agents and brokers for more personalized service.
- SR-22 available: If you are a high-risk driver, Kemper specializes in SR-22 insurance to help get you back on the road.
- Exact coverage unspecified: Kemper’s website does not explain the types of auto insurance coverage available, so you will need to contact an agent directly for details.
- Current class-action settlement: Kemper is involved in a class-action settlement based on two different cyberattacks.
- Several subsidiaries: Kemper Corporation has several subsidiary companies that can make it a little confusing to know which is the right one for you.
Since 1990, Kemper Corporation has offered personal and commercial insurance through subsidiaries like Kemper Auto, Kemper Personal Insurance, and Infinity. Through its auto insurance policies, Kemper can accommodate several vehicle types, such as RVs, motorcycles, ATVs, and boats. In addition to auto insurance, Kemper also offers renters, condominium, mobile home, and flood insurance.
To help you get started, there are free online quotes for pricing estimates. Kemper also offers a large nationwide network of independent brokers and agents situated across the country for your convenience. These agents can help you navigate the many perks of Kemper auto insurance, including exclusive packages like Kemper Total.
Founded in 1990, Kemper Corporation is headquartered in Chicago. Kemper Corporation is home to several subsidiaries, including Kemper Auto, Kemper Personal Insurance, Kemper Health, Kemper Life, and Infinity, a Kemper Company in California. Today, these companies collectively hold almost $15 billion in assets with more than 6.6 million policies. Service is available from over 34,000 agents and brokers in all 50 states and Washington, D.C.
However, Kemper consistently receives an extremely poor customer complaint index, with the number of customer complaints nearly doubling between 2019 to 2020. Furthermore, Kemper Corporation and Infinity Insurance Company are currently embroiled in a class-action settlement. Kemper was the subject of two different cyberattacks on December 14, 2020, and March 25, 2021. Policyholders during this time may be eligible for monetary relief.
Types of Coverage
You can customize Kemper’s personal insurance policies to your needs with flexible deductibles and policy limits to meet your specific needs. While you will need to speak to an agent for the exact coverage details, these are some of the popular types of auto insurance coverage.
If you are a high-risk driver with bad credit or have an extensive claims history, Kemper can assist with SR-22 insurance.
Not all damages occur from an accident. Comprehensive insurance protects against incidents that do not involve a vehicle, such as fire, hurricanes, and theft.
Collision insurance protects against damages from an accident with another vehicle. Typically, the driver found at fault for the accident is also responsible for financial damages.
Auto liability coverage is required for most drivers. This includes bodily injury insurance, which covers the injured party’s medical bills and damages. There is also property damage insurance, which covers any damages you have made to another party’s vehicle or property.
Medical payments coverage is the coverage that protects you and your passengers. It also protects any others injured by your accident, such as pedestrians or passengers in the other vehicle.
Some states may also require underinsured and uninsured motorist coverage, although one should always consider this additional coverage. It protects you should you become involved in an accident with a driver with no or limited car insurance.
Kemper also has additional car insurance packages to add to your policy.
Kemper Prime Auto Enhanced
Kemper combines several perks with enhanced auto insurance protection if you want to upgrade your coverage. With this in place, your first accident or minor violation will be waived with diminishing deductibles for continued safe driving. There are also extras like trip interruption expenses and key or entry transmitter device replacement.
This program is not available in North Carolina.
Recommended for newer models, Kemper Total is designed to protect your new car. If you incur damages, Kemper Total takes care of the necessary repairs or will offer a complete replacement.
Known as gap insurance, auto loan/lease insurance offers the peace of mind that if your vehicle is damaged beyond repair, your insurer will pay the difference between your vehicle’s value and the amount you still owe on your loan or lease.
Personal Umbrella Liability Coverage
If you want extra liability protection, Kemper offers a personal umbrella liability policy for your vehicle. It is also available for things like residences, watercraft, libel, and invasion of privacy. Should you be found at fault for an accident, your personal umbrella liability policy will cover the difference between your policy and the judgment ordered by the court. Coverage is available starting at $1 million, with additional protection available in $1 million increments.
Kemper offers several car insurance discounts to help you save money on your auto insurance policy.
Proof of Prior Insurance Discount
You can receive a car insurance discount when you can prove that you previously had an insurance policy before Kemper.
If you insure multiple vehicles with Kemper, you could receive savings on all of your policies. Depending on your state’s restrictions, you may be able to insure an unlimited number of cars on a single policy.
Defensive Driving Course Discount
Another way to save on Kemper auto insurance is to complete an approved defensive driving course.
Good Student Discount
Kempers rewards good grades with its good student discount for full-time students with a minimum 3.0 GPA.
If you are an active member of the military or National Guard, you could be eligible for an additional discount on your Kemper car insurance policy.
If you pay upfront, you could save money on your overall premium.
Kemper auto insurance premiums may be paid online or via the mobile app. To help you save, Kemper offers these car insurance discounts:
- Advance Quote Discount: Kemper rewards policyholders when you purchase a quote before its effective date.
- Paid-in-Full Discount: You can lower the costs of your auto insurance premium when you pay your policy premium upfront instead of monthly payments.
- Homeowner Discount: Kemper offers discounts when you bundle multiple policies, such as bundling your home and auto insurance.
A Kemper insurance agent can help identify any discounts that may help lower your total premium cost.
Kemper holds a loss ratio of 83.07%, indicating that premium pricing is measured fairly. Its ratio outperforms providers like The Hartford and Erie, but it is worse than many other leading providers, like Farmers, Nationwide, and Allstate.
Kemper offers fantastic support options when you need to file a claim, offering 24/7 phone support. There are simple online forms to begin the claim process, with separate forms available for auto insurance, auto glass claims, and towing. Most policies include roadside assistance, featuring 24/7 towing, jump-start, lockout, tire change, and fuel delivery.
Kemper has excellent online resources, from its easy online payment form to its online search tool that helps you find a local agent specializing in Kemper auto insurance.
You can use the online contact form or use one of the many contact methods below to contact Kemper.
Kemper Corporation partners with over 34,000 independent agents and brokers to help with your Kemper car insurance policy.
|Mailing address: Payments||Kemper Auto P.O. Box 830189 Birmingham, AL 35283|
|Mailing address: Claims||Kemper Claims P.O. Box 830189 Birmingham, AL 35283|
|Customer support||800-782-1020 Option 3|
|Mailing address||Kemper Corporation 200 East Randolph Street, Suite 3300 Chicago, IL 60601|
|Kemper Auto California|
|Mailing Address: Claims||Kemper Auto California P.O. Box 2927 Clinton, IA 52733|
|Mailing Address: Payments||Kemper Auto California P.O. Box 223665 Dallas, TX 75226|
|Former Kemper Specialty California Customers|
Policyholders can also contact their local agents directly.
To best determine a company’s financial strength, we refer to AM Best, a leading ratings provider for car insurance companies. Kemper receives an A (Excellent) rating, indicating strong financial stability and efficient claims processing.
Kemper rates very poorly for customer service with below-average scores from J.D. Power and NAIC.
J.D. Power is another ratings provider that uses annual rankings to determine each insurance provider’s level of customer satisfaction.
The most popular study, its 2021 U.S. Auto Insurance Study, rates car insurance companies based on separate regions of the U.S. Kemper is only rated in California, where it is the lowest-rated insurance company on the list. It is not rated in other regions of the U.S.
Finally, in the J.D. Power 2021 U.S. Insurance Digital Experience Study, Kemper is not rated for service, but it scores below-average for shopping with a 784/1,000 rating. It is not rated in the J.D. Power 2021 U.S. Insurance Shopping Study.
The National Association of Insurance Commissioners (NAIC) also determines customer satisfaction. It tracks the number of customer complaints an insurer receives each year and assigns an average score using a 1.00 industry baseline.
Kemper performs horribly in its customer complaint index, managing to almost double its score each year for the last several years. In 2018, its complaint index was 2.08, while 2019 rose to a 3.79 score. Complaints skyrocketed by 2020, with its complaint index climbing to 6.42, making it one of the worst scores in the entire industry.
Policyholders have access to online account management, plus an easy mobile app accessible by both iPhone and Android. You can make payments, access identification cards, and submit claims. Kemper also offers a helpful online tool that helps you find a repair shop you can trust with its Kemper Repair Network facilities that guarantee repairs as long as you own your vehicle.
How Kemper Compares to Other Auto Insurance Companies
Kemper performs far worse in customer satisfaction than other providers, and yet, it performs well in AM Best rankings with strong financial satisfaction. The annual average premium is $2,190 per year, making it about average for other car insurance companies. Kemper is more expensive than companies like Alfa, USAA, and Auto-Owners, but it is cheaper than other providers like Travelers and The Hanover.
Kemper Corporation offers widespread service across the country for comprehensive, multi-faceted car insurance. You have the option to add on exclusives like personal umbrella liability with gap insurance and 24/7 roadside assistance.
Policyholders should not expect much in customer service given its poor customer satisfaction ratings, but it rates highly for financial strength, adding faith in its claims processing.
Investopedia is committed to providing readers with unbiased, comprehensive reviews of auto insurance companies. All of our reviews are based on extensive research and analysis of each company’s coverage, customer service, pricing, years in business, accreditation, and more. To rate providers, we developed an auto insurance review methodology that compares the auto insurance coverage types, additional features, discounts, account management, and other features.