Kemper Auto Insurance Review

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Kemper

Kemper

overall rating
3.4

Our Take 

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
Pros & Cons
Pros
  • Nationwide coverage

  • Large agent network

  • SR-22 available

Cons
  • Exact coverage unspecified

  • Current class-action settlement

  • Several subsidiaries

Key Takeaways
  • 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. 
  • Nine car insurance discounts are available to help you save on your Kemper auto policy.
Company Overview
  • Year Founded 1990
  • Types of Coverage Not specified
  • Available Discounts 9
  • Purchasing Options Phone, local agent
  • Customer Service 866-860-9348
  • Official Website https://www.kemper.com/

Pros Explained 

  • 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.

Cons Explained  

  • 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.

Introduction

Since 1990, Kemper Corporation has offered personal and commercial insurance through subsidiaries like Kemper Auto, Kemper Auto California, 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. 

Company Overview

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.

Comprehensive

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

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.

Liability


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

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. 

Underinsured/Uninsured Motorist

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.

Optional Coverage

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.

Kemper Total

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.

Auto Loan/Lease

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.

Discounts

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.

Multi-Car Discount

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.

Military Discount

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.

Rate lock

If you pay upfront, you could save money on your overall premium.

Payment Options

Kemper auto insurance premiums may be paid online or via the mobile app with additional options to pay by phone and mail.

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.

Loss Ratio

Kemper holds a loss ratio of 63.09%, indicating that premium pricing is measured fairly. Its ratio outperforms providers like USAA and Erie, but it is worse than many other leading providers, like Farmers, Nationwide, and American Family. 

Other Features

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. Roadside assistance is included with most policies, featuring 24/7 towing, jump-start, lockout, tire change, and fuel delivery. 

Customer Service

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.

Kemper Auto
Contact  Information 
Mailing address: Payments Kemper Auto P.O. Box 660420 Dallas, TX 75266-0420
Mailing address: Claims Kemper Claims P.O. Box 2855 Clinton, IA 52733
Customer support 800-456-0448
Claims 866-536-7376
Roadside assistance 877-268-7416
Automated payments 800-933-8788 
Suspected insurance fraud 866-372-8382
Kemper Corporation
Contact  Information
Mailing address  Kemper Corporation 200 East Randolph Street, Suite 3300 Chicago, IL 60601
Headquarters  1-866-860-934 
Kemper Auto California
Contact Information
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 
Customer Support  866-530-5500
Claims  800-508-5833 
Former Kemper Specialty California Customers
Contact Information 
Customer Support 800-456-0448
Claims  800-234-3606 

Policyholders can also contact their local agents directly. 

Customer Satisfaction 

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.

Satisfaction Ratings

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.

Complaint Index

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. 

Account Management

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 when it comes to 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, Mercury, and The Hanover.

Overall, Investopedia gives Kemper a 2.68 rating. 

Final Verdict

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. 

Methodology 

All of our reviews of auto insurance companies are based on extensive research and analysis of each company’s coverage, customer service, pricing, years in business, accreditation, and more. To rate Kemper and other providers, we developed an auto insurance review methodology that compares the auto insurance coverage types, additional features, discounts, account management, and reported customer experiences to help us provide insights into things like customer service and the strength of each company’s offerings. 

Article Sources

Investopedia requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy .
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  2. Kemper. “Get a Quote.” Accessed Nov. 28, 2021. 

  3. Dun & Bradstreet. “Kemper Corporation Company Profile.” Accessed Nov. 28, 2021. 

  4. Kemper. “Quick Facts about Kemper.” Accessed Nov. 28, 2021. 

  5. Kemper. “Kemper Settlement.” Accessed Nov. 28, 2021. 

  6. Kemper. “Personal Umbrella Liability Coverage.” Accessed Nov. 28, 2021. 

  7. Kemper. “Discounts & Savings.“ Accessed Nov. 28, 2021. 

  8. Kemper. “Specialty Auto Insurance.” Accessed Nov. 28, 2021. 

  9. Kemper. “Report a Claim.” Accessed Nov. 28, 2021. 

  10. Kemper. “Find an Agent.” Accessed Nov. 28, 2021. 

  11. Kemper. “Make a Payment.” Accessed Nov. 28, 2021. 

  12. AM Best. “Company and Rating Search.” Accessed Nov. 28, 2021. 

  13. J.D. Power. “J.D. Power 2021 U.S. Auto Insurance Study.” Accessed Nov. 28, 2021. 

  14. J.D. Power. “J.D. Power 2021 U.S. Insurance Digital Experience Study.” Accessed Nov. 28, 2021. 

  15. J.D. Power. “J.D. Power 2021 U.S. Insurance Shopping Study.” Accessed Nov. 28, 2021. 

  16. National Association of Insurance Commissioners. “Consumer Insurance Search Results.” Accessed Nov. 28, 2021. 

  17. Kemper. “Mobile Apps.” Accessed Nov. 28, 2021. 

  18. Kemper. “Customer Login.” Accessed Nov. 28, 2021. 

  19. Kemper. “Find a Repair Shop.” Accessed Nov. 28, 2021.