Kemper insurance review 2024
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At a glance
Score breakdown
Auto
3.2
Cost & ratings
2.5
Coverage
4.5
Support
3.0
Home
4.1
Cost & ratings
4.0
Coverage
4.3
Support
3.8
About Bankrate Score
Bankrate's take
Kemper Auto may be the carrier of choice for high-risk drivers or drivers with an alternative form of a driver’s license.
- Offers nonstandard auto insurance for drivers struggling to find coverage
- Poorly rated customer satisfaction for auto insurance according to 2024 J.D. Power studies
- Nonstandard auto and life insurance products are available, but standard auto and home insurance products are no longer offered
- Extensive list of discounts and endorsements available
New
In August 2023, Kemper Corporation announced that one of its subsidiaries, Kemper Personal Insurance, which provides both home and auto insurance for standard and preferred customers, is canceling and nonrenewing preferred policies immediately. Kemper stated they will follow state regulations, meaning most customers will receive a nonrenewal letter 30 to 60 days before their renewal date and will have to find home and auto coverage elsewhere. Infinity, Kemper’s nonstandard auto company in California, will transition to Kemper Auto. Kemper Life should not be impacted.
Is Kemper insurance still available?
Insurance is still available under Kemper Auto for drivers who need nonstandard auto insurance. Additionally, life insurance is available through Kemper Life. Insurance under Kemper Personal Insurance, which provided home and auto coverage for standard and preferred customers, is no longer available as of August 2023.
Kemper car insurance review
Bankrate’s editorial team, which includes licensed agents, used their industry experience to conduct an in-depth evaluation of Kemper insurance. After our study, we issued Kemper car insurance a Bankrate Score of 3.2 out of 5. The factors leading to the company’s score include its higher-than-average premiums and relatively low third-party customer service scores. With Kemper Personal Insurance canceling and nonrenewing preferred auto policies, Kemper Auto remains a good choice for many customers, including drivers struggling to find an insurer due to blemishes on their driving record.
Although Kemper is licensed to do business in all 50 states and Washington, D.C., product availability may vary by state. Kemper also uses several underwriting companies for its auto insurance, so you may see a different company name listed on your policy. Additionally, Kemper received the lowest score in J.D. Power’s 2023 U.S. Auto Claims Satisfaction Study for the second year in a row, which could indicate that customers tend to have a poor claims experience.
Coverage options with Kemper Auto are limited, but the policy may still be the best car insurance option for some drivers. If you have a suspended license or need an SR-22 form, Kemper Auto could provide you coverage. The nonstandard program also writes coverage for drivers with international licenses, state IDs and Matrícula Consular identification cards from Mexico.
Pros and cons of Kemper car insurance
If deciding between Kemper Auto car insurance and other carriers, it can be helpful to know where the company stands out and where it may fall short. Bankrate has summarized Kemper car insurance below to aid in your decision on whether to pursue a car insurance quote:
Pros
- SR-22 filing available
- Accepts drivers with international driver’s licenses, state IDs and Matrícula Consular identification cards from Mexico
- Annual policies
Cons
- Endorsement options are not as unique compared to other carriers
- Depending on individual circumstances, your auto policy may be underwritten by a partner company and not Kemper itself
- Ranked last in J.D. Power’s 2023 U.S. Auto Claims Satisfaction Study
Kemper car insurance cost
Kemper’s average auto insurance rates are generally higher than the national average. Full coverage costs an average of $3,162 annually with Kemper versus $2,458 per year nationally. Minimum coverage with Kemper averages $1,188 per year, which is significantly more than the national average of $678. However, keep in mind that getting a quote is the best way to determine how much you’ll pay for Kemper car insurance.
How much is Kemper car insurance?
Drivers with a history of accidents or ticket convictions may find getting cheap car insurance more difficult than drivers with a clean driving record. Although Kemper’s average rates are higher than the national average, the company does offer coverage for drivers with a DUI (not all carriers do). This may be helpful for drivers who can’t secure coverage from a standard provider.
Drivers with international licenses usually have trouble obtaining coverage since providers cannot access their driving history. Not having a driving history to pull from may increase your rates, but Kemper states they offer coverage for drivers with state IDs and international licenses. Note that the rates below are averages, and your individual rate may differ based on a variety of factors.
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Good driver, good credit
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Kemper full coverage premium
$3,162
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National full coverage premium
$2,458
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Kemper full coverage premium
$4,306
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National full coverage premium
$4,502
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Kemper full coverage premium
$3,349
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National full coverage premium
$2,975
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Kemper full coverage premium
$4,209
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National full coverage premium
$3,508
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Kemper full coverage premium
$4,009
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National full coverage premium
$4,713
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Kemper car insurance quotes by age
When it comes to car insurance, age is a key consideration insurers use when calculating rates. Young drivers have fewer years of driving experience when compared to most older drivers. They also have a higher likelihood of filing claims, which leads to more expensive car insurance rates. As such, rates trend downward as drivers get older. Below is a comparison of current car insurance rates from Kemper by age based on a clean driving record. Again, note that your individual rate may differ.
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Kemper full coverage premium
$7,846
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National full coverage premium
$5,229
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Kemper full coverage premium
$7,159
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National full coverage premium
$4,501
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Kemper full coverage premium
$6,250
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National full coverage premium
$4,972
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|
Kemper full coverage premium
$3,721
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National full coverage premium
$3,031
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Kemper full coverage premium
$3,443
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National full coverage premium
$2,622
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Kemper full coverage premium
$3,162
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National full coverage premium
$2,458
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Kemper full coverage premium
$2,853
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National full coverage premium
$2,220
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Compare Kemper car insurance rates
No two insurance companies are exactly alike. They offer different insurance products and discounts and might have different underwriting standards or serve unique customer demographics. This is why most financial experts recommend requesting quotes from several insurance providers before purchasing a policy. While Kemper’s auto insurance rates are higher than average, you might find that the rates are competitive for nonstandard auto insurance.
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$3,162
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$1,188
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$3,060
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$987
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$2,418
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$706
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$2,107
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$558
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$3,081
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$925
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$1,992
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$585
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$1,934
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$697
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$2,688
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$886
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$1,996
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$543
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$2,127
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$767
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Kemper customer satisfaction
When considering one insurance company over another, one factor you may want to think about is customer satisfaction. While you can ask friends and family for their experience, you can also reference third-party ratings from data aggregation sources like J.D. Power and AM Best, which carry out studies and release reports about customers’ satisfaction with their insurance and historical financial strength, respectively.
Kemper auto claims satisfaction
J.D. Power ranks satisfaction by giving a score based on a 1,000-point scale. Kemper did not score well in J.D. Power’s 2024 U.S. Auto Insurance Study, ranking last in the California region with a score of 528/1,000.
The company also came in at the bottom of the list with a score of 820 in the 2023 U.S. Auto Claims Study. Further, it ranked below the industry average for Shopping and was not scored for Service in the 2024 U.S. Insurance Digital Experience Study.
Kemper auto insurance customer complaints
The National Association of Insurance Commissioners (NAIC) issues an annual complaint index report to track the amount of complaints lodged against insurance companies. The index employs a baseline of 1.00. Scores below 1.00 indicate that a provider had fewer complaints than expected for a company its size and scores above 1.00 indicate the opposite.
Kemper consistently sees well above the average level of complaints for a company its size. Scores of 2.16 to 3.05 over the last three years indicate that the company continues to struggle with poor customer satisfaction.
Kemper car insurance discounts
Kemper offers several savings opportunities that may help policyholders save on their car insurance. Some of Kemper’s car insurance discounts include:
- Kemper Co-Pilot: Kemper offers a telematics program that tracks your driving habits. Users can earn an automatic 10 percent discount just for enrolling in the program.
- Defensive driving course discount: If you complete an approved defensive driving course and meet the company’s requirements, Kemper could reward you with a discount.
- Multi-car discount: If you’re insuring more than one vehicle with Kemper, you could earn a discount on each policy’s premium.
- Good student discount: Full-time students who maintain a 3.0 or higher GPA could earn an auto insurance discount.
- Paid-in-full discount: Kemper offers customers a discount for paying the entire term’s premium up front instead of in installments.
- Military discount: If you’re an active duty or National Guard member, you might be eligible for an auto insurance discount.
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Kemper home insurance review
Kemper was previously a good option for home insurance. However, it shuttered its home insurance division in 2023. Most old policies have been canceled or nonrenewed, and no new policies are being written.
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Get personalized home insurance quotes
Answering a few quick questions to check your availability with Kemper
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Kemper life insurance review
Kemper offers life insurance through Kemper Life, with various police options. Specifically, Kemper offers whole life, term life and guaranteed issue life insurance. The company also offers accidental and health insurance coverage for cancer, heart attacks and other qualifying conditions.
If you’ve previously been disqualified for life insurance coverage or have a preexisting condition, you might want to look into Kemper’s guaranteed issue life insurance, which doesn’t require a medical exam. This type of coverage also offers guaranteed rates, so policyholders and their beneficiaries can earn money on the policy.
Keep in mind that Kemper Life works with the following underwriters: United Insurance Company of America, The Reliable Life Insurance Company, Union National Life Insurance Company, Mutual Savings Life Insurance Company and their affiliated companies and subsidiaries. Kemper notes that life insurance products are available in 27 states, but specific coverage and policy costs may vary.
Pros and cons of Kemper life insurance
Kemper offers several life insurance options, such as whole life, term life, guaranteed issue and accidental and health coverage. While it didn’t make our list of best life insurance companies, the company has many options and could be of interest if you already have a Kemper Auto policy.
Pros
- Guaranteed issue life insurance requires no medical exam or questions
- Riders available to personalize life insurance policies
- Potential option to convert term life insurance into whole life insurance
Cons
- Life insurance not underwritten by Kemper
- Eligibility may vary by company
- Limited information available online
Kemper life insurance riders
Kemper does not provide much information about its life insurance riders online, but it does mention that riders are available for whole life insurance policies. You can contact a Kemper agent for life insurance quotes and more information on riders.
Compare life insurance providers quickly and easily
See which provider is right for you.
Whole life insurance combines life insurance with an investment component.
- Coverage for life
- Tax-deferred savings benefit if premiums are paid
- 3 variations of permanent insurance: whole life, universal life and variable life include investment component
Term life insurance is precisely what the name implies: an insurance policy that is good for a specific term of time.
- Fixed premium over term
- No savings benefits
- Outliving policy or policy cancellation results in no money back
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Compare Kemper with other insurers
When looking for the right home, life or car insurance company, comparing quotes from several carriers is usually helpful. This allows you to gather facts about each insurer to find the best option. Some similar companies to consider include:
Featured
Kemper
3.7
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Cost & ratings 3.3Coverage 4.4Support 3.4 |
Direct Auto
Not scored
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
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Farmers
3.7
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Cost & ratings 3.3Coverage 4.2Support 3.9 |
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OVERVIEW
Bankrate identified key carrier features, coverage offerings, discounts and more
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Kemper Auto may be the carrier of choice for high-risk drivers or drivers with an alternative form of a driver’s license.
Read More
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If Kemper’s nonstandard auto insurance is appealing to you, consider checking out Direct Auto, as well. The company offers car insurance options to high-risk drivers and also sells numerous other types of coverage.
Read More
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Farmers offers a wider variety of insurance products at competitive rates, although policyholders with spotty driving records might pay more for coverage.
Read More
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STANDOUT FEATURES
These features are some of the carrier’s most impressive
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Nonstandard insurance available
Co-Pilot telematics program
Strong list of available discoun
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Offers flexible payment plans
Lots of available discounts
Allstate financial backing
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Variety of endorsements
Vast network of local agents
Extensive list of discounts
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AVG FULL COV. AUTO RATE
Average national annual cost of a full coverage auto insurance policy
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$3,162 | No rates available | $3,403 |
J.D. POWER AUTO SCORE
J.D. Power’s Auto Claims Satisfaction Study assesses customer satisfaction with the claims experience on a 1,000-point scale
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798/1000 | Not Scored | 882/1000 |
AVG HOME RATE
Average national annual cost of a home insurance policy with $300K in dwelling coverage
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No rates available | No rates available | $2,672 |
J.D. POWER HOME SCORE
J.D. Power’s Property Claims Satisfaction Study assesses customer satisfaction with the claims experience on a 1,000-point scale
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Not Scored | Not Scored | 609/1000 |
AM BEST RATING
AM Best ratings assess companies’ financial strength based on historical ability to pay out claims, among other financial obligations
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A-(Excellent) | Not Scored | A(Excellent) |
Why you can trust Bankrate
Read our full methodologyOur insurance editorial team includes licensed agents with decades of combined experience, and we used our intimate knowledge of the industry to conduct this in-depth Kemper insurance review.
46
years of industry expertise
122
carriers reviewed
34.5K
ZIP codes examined
1.2M
quotes analyzed
Is Kemper a good insurance company?
For car owners interested in this company, Bankrate’s Kemper auto insurance review may help you decide if you should seek out quotes from this lesser-known insurer. Kemper auto is notable for offering car insurance options for high-risk drivers and those without driver’s licenses, so it could be a good option for anyone with a less-than-perfect driving record. Depending on the policy type, drivers may be able to access more coverage options, but it comes down to what they are eligible for. Kemper is licensed in all 50 states and Washington, D.C., but not all products are available in all areas. Additionally, not all policy types, including life insurance, are underwritten by Kemper, so further research may be necessary if you want to have all of your insurance needs handled in one place.
What are real-life customers saying about Kemper?
To gain insight into the customer experience with Kemper, we’ve sourced real-life feedback from Reddit. This platform hosts a wide range of discussions, including user experiences with insurance companies, offering candid details and personal anecdotes. By exploring these conversations, potential customers can better understand what to expect from Kemper.
*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.
Kemper company details
If you’re contemplating purchasing insurance through Kemper or want to manage existing policies, you may want to reach out for more information. Here are a few ways you can get in touch:
- Sales: Find a local agent
- Website: kemper.com
- Customer service: 866-860-9348
- Customer service email: customer.service@ipacc.com
- General mailing address: P.O. Box 830189, Birmingham, AL, 35283-0189
- Claims: Claims can be filed online or by calling 800-353-6737 or 800-3-KEMPER
- Claims mailing address: P.O. Box 2843, Clinton, IA, 52733
- Auto roadside assistance: 877-268-7416
State availability
Kemper is authorized to provide auto insurance coverage in 50 states and Washington, D.C. It also writes life insurance policies in 27 states, although its website does not specify which states it operates in. Infinity, a subsidiary of Kemper, writes coverage for California.
Kemper tools and benefits
In addition to nonstandard auto insurance, Kemper offers life insurance, as well as the following:
- Business insurance: Businesses can purchase commercial auto coverage, as well as commercial general liability or business owner policies.
- Specialty vehicle insurance: Kemper works with non-affiliated insurance companies to offer motorcycle and ATV insurance coverage.
- Accident and health coverage: Kemper’s First Occurrence products provide financial benefits following qualifying accidents or health events such as a cancer diagnosis or heart attack.
- Fire/contents protection coverage: This product provides personal property coverage for damage caused by fires, lightning or other qualifying events.
Frequently asked questions about Kemper
Methodology
Auto
Bankrate utilizes Quadrant Information Services to analyze November 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and coverage levels:
Bodily injury liability
$100,000 per person$300,000 per accident
Property damage liability
$50,000 per accidentPersonal injury protection
$100,000 per accidentUninsured motorist bodily injury
$100,000 per person$300,000 per accident
Collision deductible
$500Comprehensive deductible
$500Other profiles
These are sample rates and should only be used for comparative purposes.
Bankrate Scores
Our Bankrate Score considers variables our insurance editorial team determined impact policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.
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Cost & ratings 50%
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Coverage & savings 30%
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Support 20%
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.