Kemper Auto Insurance is a national provider that’s known for offering coverage to high-risk drivers in all 50 states. That means the company could be a welcome option for teens, people with flawed driving records, and those with violations such as DUIs. We wanted to see how Kemper Auto Insurance stacks up against the best car insurance companies in the U.S., so we researched the company’s average premiums and policy selection and the opinions of customers and industry experts alike.

Kemper also owns Infinity Insurance, but this review focuses solely on Kemper Auto Insurance itself. You may find references elsewhere to Kemper Direct and Unitrin Insurance, which have both been rolled into the Kemper Auto Insurance brand.

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In This Review:

    Kemper Auto Insurance Cost And Discounts

    Kemper Auto Insurance specializes in covering high-risk drivers at reasonable rates. Motorists who fall into that category, such as those who need SR-22 coverage, have a good chance of finding favorable pricing with the company.

    Since Kemper Auto Insurance focuses on insuring high-risk drivers, coverage for other motorists can be pricier than from other providers. Still, for those looking to insure an entire family of drivers that includes teens or seniors, the combined premium may compete with some of the cheapest car insurance rates on the market.

    Like nearly all providers, Kemper Auto Insurance determines personalized rates for each policyholder based on personal information and vehicle details. Here are some of the factors that can affect your car insurance premium:

    • Age: Younger drivers and senior motorists pay more for car insurance than middle-aged people. Teen drivers often pay the highest premiums.
    • Vehicle: More expensive vehicles are generally pricier to insure. The same goes for cars that are statistically more likely to be stolen.
    • Driving record: Any accident or ticket in the last three years will increase your auto insurance rates. However, premiums may go up less with Kemper Auto Insurance than with others.
    • Location: Average premiums vary wildly between states, according to a 2021 study by the National Association of Insurance Commissioners (NAIC). Rates within states can vary by ZIP code, with drivers in rural areas usually paying less than urbanites.
    • Credit score: Drivers with bad credit scores will often pay more for car insurance than those with high credit scores.

    Kemper Auto Insurance Discounts

    Average prices for Kemper Auto Insurance may not always be the cheapest on the market, but the company offers plenty of discounts to help lower your rates. Here are some of the savings opportunities you may be eligible for with Kemper car insurance:

    • Good student discount: Kemper Auto Insurance rewards students who maintain good grades with a policy discount.
    • Multi-car: You’ll save money on your policies if you insure multiple vehicles with Kemper Auto Insurance.
    • Paid-in-full discount: You can save money on your premium by paying for the entire term up front.
    • Defensive driving course discount: In some states, taking an approved safe driver course makes you eligible for lower rates.
    • Proof of prior insurance discount: You’ll pay smaller premiums if you had an insurance policy before signing up for Kemper car insurance.
    • Advance quote discount: Save money if you move forward on a policy before its effective start date.
    • Military discount: Active-duty military and National Guard members may save on auto insurance policies.
    • Homeowner discount: If you have home insurance, you’ll receive a lower car insurance rate.
    • Package Plus bundling discount: Save money when you bundle your auto and homeowners insurance plans into a multi-policy discount.

    You may be able to find other discounts through Kemper Auto Insurance. When you request a quote, ask an insurance agent about every discount program available to you. You can use that information to compare car insurance quotes and discounts with other providers before making a decision.

    Kemper Auto Insurance Coverage

    As a national insurance provider, Kemper Auto Insurance offers many of the same standard policies as its competitors, as well as a wide range of additional insurance options.

    Standard Kemper Auto Insurance Coverage Options

    Liability

    Bodily injury (BI) liability insurance covers the medical expenses for other drivers and their passengers after an accident where you are at fault. Property damage (PD) liability insurance pays for damages to other drivers’ vehicles after an accident where you are at fault.

    Collision

    Collision insurance pays for damages that occur while your car is moving, either with another vehicle or a road hazard or if you flip your vehicle.

    Comprehensive

    Comprehensive insurance pays for damages to your vehicle that are caused by animals or natural disasters. It also pays to repair or replace your vehicle if it is stolen or vandalized.

    Uninsured/Underinsured Motorist

    Uninsured/underinsured motorist coverage pays for damages to your vehicle if you are hit by another driver who does not have insurance or does not have enough insurance to fully pay for the cost of damages.

    Personal Injury Protection

    Personal injury protection (PIP) pays medical bills for you and your passengers after an accident. PIP may also pay for other expenses such as lost wages.

    Medical Payments

    Medical payments (MedPay) covers medical bills for you and your passengers after an accident.

    Additional Kemper Auto Insurance Coverage Options

    Roadside Assistance

    Roadside assistance ensures that you can get help if your car breaks down on the road.

    Towing Coverage

    Towing coverage takes care of the costs of having your car towed to the repair shop after a breakdown.

    Guaranteed Asset Protection

    Guaranteed asset protection (GAP insurance) takes care of the difference between the amount owed on the vehicle and the cash value if your vehicle is totaled.

    Rental Car Reimbursement

    Rental car reimbursement covers the cost of a rental car if your vehicle is inoperable after an accident.

    Audio, Visual, and Electronic Equipment Coverage

    Audio, visual, and electronic equipment coverage will take care of electronic equipment you have added to your vehicle.

    Customizing Equipment Coverage

    Customizing equipment coverage is meant to protect permanently installed car furnishings such as custom windows, carpeting, and toolboxes.

    Auto Death or Disability Indemnity Coverage

    Auto death or disability indemnity coverage refers to limited payments for funeral arrangements or long-term medical needs in the case of an accident.

    Reconditioned Vehicle Coverage

    Reconditioned vehicle coverage protects rehabilitated vehicles that had formerly held salvage titles, making them legal to drive.

    You may be able to find discounts for air bags or anti-theft devices if you talk to an insurance agent directly. Similarly, you might find that accident forgiveness is provided at your office. Kemper Auto Insurance encourages drivers to ask local agents about options that aren’t listed on Kemper.com.

    Kemper Auto Insurance Usage-Based Insurance

    Usage-based insurance is a kind of insurance policy that charges drivers based on how much they use their vehicles, usually on a per-mile basis. For people who work from home or just don’t use their cars very much, these policies can help save money.

    Kemper Auto Insurance doesn’t offer usage-based insurance. If you’re interested in getting a telematics-based insurance policy, we’d recommend looking at other insurance companies.

    Kemper Auto Insurance Mobile App

    Kemper does have an official mobile app to help you manage your insurance policy. The Kemper Auto Insurance app can help you do the following:

    • View quotes
    • Submit and manage claims
    • Chat with an agent
    • Upload documents
    • View your insurance ID card
    • Make payments and view your payment history
    • Locate agent and company contact information
    • Update your profile information

    While the Kemper Auto Insurance app is available on both Apple and Android devices, it’s very poorly rated. The company’s mobile app receives a 1.4-star average rating out of 5.0 on the App Store and only a slightly better 2.4-star average from Google Play.

    Kemper Auto Insurance Reviews

    Better Business Bureau (BBB) rating: A+
    BBB complaints in last three years: 361

    Customer reviews for Kemper Auto Insurance tend to skew in a negative direction. Out of nearly 90 reviews on the BBB website, the company earns an average of only 1.0 out of 5.0 stars. While it holds an A+ rating and accreditation from the BBB, Kemper Auto Insurance faces an extremely high number of complaints.

    The company also placed last in the J.D. Power 2020 U.S. Auto Insurance Study℠ among insurance providers in California.

    Positive Kemper Auto Insurance Reviews

    It was somewhat difficult to find Kemper customers who reported positive experiences. However, those who did mentioned helpful Kemper Auto Insurance agents and affordable policies for high-risk drivers.

    “My insurance agency was great in helping me find Kemper when I went off my parents’ car insurance. It was a smooth and easy transition . . . I have been with my car insurance for about a year now and have had zero issues with them.”
    Dena via Consumer Affairs

    Negative Kemper Auto Insurance Reviews

    People reporting negative experiences with Kemper Auto Insurance were much easier to find. Complaints tend to mention poor communication and difficulties during the claims process.

    “It has been 30 days since an uninsured motorist hit me. Kemper is my insurance company, and so far they have done nothing! They do not return calls no matter how many times you call or beg them to do so.”
    – Jane F. via BBB

    “I have been waiting almost two months for an answer on whether or not my car will be fixed. They just ignore calls and emails. The managers are not helpful in any way.”
    – Crystal J. via BBB

    Kemper Auto Insurance Rating: 3.6 Out Of 5.0

    While Kemper Auto Insurance does have many complaints and generally negative reviews online, it provides strong coverage to high-risk drivers at reasonable rates. Depending on your situation, that could count for a lot.

    Many high-risk motorists are pleasantly surprised by how much car insurance is from Kemper Auto Insurance. However, if you’re not a high-risk driver and have none in the family, you may want to look for coverage elsewhere.

    Cost

    3.5

    Coverage

    4.5

    Reliability

    3.5

    Service

    3.0

    Overall Rating

    3.6

    About Kemper Auto Insurance

    Founded: 1990
    States available: All 50 states
    AM Best financial strength rating: A
    Insurance types: Auto, homeowners, renters, motorcycle, ATV, boat, umbrella, health, personal property, and life insurance

    Other Recommendations For Car Insurance

    Kemper Auto Insurance might be a great fit for drivers in certain categories, but others may find better rates, coverage, and customer service from other providers. After researching the best car insurance companies in the country, our team recommends Geico and USAA.

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    Geico: Best Overall Provider

    In our Geico insurance review, the company scored highly in every category. It’s also available in all 50 states and Puerto Rico, which is why we named it the Best Overall Provider out of every car insurance company we researched. Geico’s combination of competitive rates, wide-ranging insurance products, and strong reputation among industry experts and customers make it an option worth considering for almost any driver.

    USAA: Best For Military Members

    USAA is only available to military members, veterans, and their families, and it offers benefits specific to them, such as discounts for on-base storage. In our USAA insurance review, the company received a near-perfect score across all measured categories. With a large variety of policies and options to choose from and consistently positive customer service reviews, the company is a good choice for most eligible drivers.

    Frequently Asked Questions: Kemper Auto Insurance

    How We Rate Insurers

    Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:

    • Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
    • Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
    • Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
    • Service: We comb through customer reviews on sites like the BBB to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.

    *Data accurate at time of publication.