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Kemper insurance review 2024

Updated Oct 03, 2024
  • At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict ,this post may contain references to products from our partners. Here's an explanation of .Our content is backed by Coverage.com, LLC, a licensed entity (NPN: 19966249). For more information, please see our .

At a glance

3.7
Rating: 3.7 stars out of 5
Bankrate Score
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Auto

Rating: 3.2 stars out of 5

3.2

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Cost & ratings

Rating: 2.5 stars out of 5

2.5

Coverage

Rating: 4.5 stars out of 5

4.5

Support

Rating: 3 stars out of 5

3.0

Home

Rating: 4.1 stars out of 5

4.1

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Cost & ratings

Rating: 4 stars out of 5

4.0

Coverage

Rating: 4.3 stars out of 5

4.3

Support

Rating: 3.8 stars out of 5

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

What’s new with Kemper?

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:

Green circle with a checkmark inside

Pros

  • SR-22 filing available
  • Accepts drivers with international driver’s licenses, state IDs and Matrícula Consular identification cards from Mexico
  • Annual policies
Red circle with an X inside

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
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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.

Good driver, good credit
Kemper full coverage premium
$3,162
National full coverage premium
$2,458
Kemper full coverage premium
$4,306
National full coverage premium
$4,502
Kemper full coverage premium
$3,349
National full coverage premium
$2,975
Kemper full coverage premium
$4,209
National full coverage premium
$3,508
Kemper full coverage premium
$4,009
National full coverage premium
$4,713
*All rates displayed are average annual rates.

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.

Kemper full coverage premium
$7,846
National full coverage premium
$5,229
Kemper full coverage premium
$7,159
National full coverage premium
$4,501
Kemper full coverage premium
$6,250
National full coverage premium
$4,972
Kemper full coverage premium
$3,721
National full coverage premium
$3,031
Kemper full coverage premium
$3,443
National full coverage premium
$2,622
Kemper full coverage premium
$3,162
National full coverage premium
$2,458
Kemper full coverage premium
$2,853
National full coverage premium
$2,220
Kemper full coverage premium
$3,162
National full coverage premium
$2,458
Kemper full coverage premium
$2,853
National full coverage premium
$2,220
*All rates displayed are average annual rates. Rates are based on our good driver profile, with 16- and 18-year-old drivers added to their parents’ policy.

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.

$3,162
$1,188
$3,060
$987
$2,418
$706
$2,107
$558
$3,081
$925
$1,992
$585
$1,934
$697
$2,688
$886
$1,996
$543
$2,127
$767
$1,992
$585
$1,934
$697
$2,688
$886
$1,996
$543
$2,127
$767
*All rates displayed are average annual rates.

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.

J.D. Power Auto Claims Satisfaction 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.

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.

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Get personalized home insurance quotes

Answering a few quick questions to check your availability with Kemper

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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

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.

Green circle with a checkmark inside

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
Red circle with an X inside

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

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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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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:

Badge Icon Featured

Kemper

Kemper
Rating: 3.7 stars out of 5
3.7
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Cost & ratings

Rating: 3.3 stars out of 5
3.3

Coverage

Rating: 4.4 stars out of 5
4.4

Support

Rating: 3.4 stars out of 5
3.4

Direct Auto

Direct Auto
Not scored
Info Icon

Farmers

Farmers
Rating: 3.7 stars out of 5
3.7
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Cost & ratings

Rating: 3.3 stars out of 5
3.3

Coverage

Rating: 4.2 stars out of 5
4.2

Support

Rating: 3.9 stars out of 5
3.9
OVERVIEW
Info Icon
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.
Farmers offers a wider variety of insurance products at competitive rates, although policyholders with spotty driving records might pay more for coverage.
STANDOUT FEATURES
Info Icon
Dollar Coin Icon
Offers flexible payment plans
Loan Icon
Lots of available discounts
Badge Icon
Allstate financial backing
Loan Icon
Variety of endorsements
Briefcase Icon
Vast network of local agents
Dollar Coin Icon
Extensive list of discounts
AVG FULL COV. AUTO RATE
Info Icon
No rates available $3,403
J.D. POWER AUTO SCORE
Info Icon
Not Scored 882/1000
AVG HOME RATE
Info Icon
No rates available $2,672
J.D. POWER HOME SCORE
Info Icon
Not Scored 609/1000
AM BEST RATING
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Not Scored A(Excellent)
Bankrate logo

Why you can trust Bankrate

Read our full methodology

Our 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.

Reddit User 1*
May 10, 2023
Is Kemper always hard to reach?
Almost a month ago, this lady backed up into my car while I (25m) was driving and totaled it. Our insurance companies placed fault on the lady and I opened a claim with her insurance, Kemper. Kemper turned out to be horrible to deal with because they are soooo hard to reach. The adjusters never pick up the phone when I call them and I have to wait on them to call me each time. It took me a long time to get the car declared totaled and I'm currently waiting on the $9600 settlement they promised and Kemper is taking their sweet time send me over the paperwork and instructions to move forward with the settlement. What gives? UPDATE: Kemper just called me. They sent over the power of attorney letter to sign and afterwards authorized the check to be mailed. I'm getting a new car!
via Reddit
Reddit User 2*
Oct 12, 2023
Kemper claim adjuster was helpful
Kemper has operators that answer to assist if the adjuster doesn't answer or return your calls. There are level of management above the adjuster who would have several mgt levels to go to with your complaint Not to say that you should have to go thru this process. I have allstate and a kemper driver rear ended me. I actually got better service with Kemper claim adjuster than my own Allstate adjuster. My vehicle was seen at and paid quickly. I sent my rental bill to them and that was paid quickly also.
via Reddit

*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:

User Icon
40 year old
Single male and female driver
Logo for Brand name
2022 Toyota Camry
Primary vehicle
Credit Good Icon
Good credit score
Auto Insurance Guide Icon
Clean driving record
Briefcase Icon
Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

Other 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.

5
Rating: 5 stars out of 5
Overall Score
  • Cost & ratings 50%
  • Coverage & savings 30%
  • 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.

Written by
Jessica Gibson
Contributor, Insurance
Jessica Gibson is an insurance writer with almost a decade of digital publishing experience.
Edited by Editor, Insurance