Kemper Auto Insurance Review and Types

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.1 
  • 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 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, condominiums, mobile homes, 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 2020.2 Furthermore, Kemper Corporation and Infinity Insurance Company are currently embroiled in a class-action settlement.1 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 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 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 ensure 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. 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 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. 

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. Most policies include roadside assistance, 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. 

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