Kemper insurance review 2024

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:

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.

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.

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:

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

Bankrate utilizes Quadrant Information Services to analyze July 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.

Auto

Quoted rates are based on a single, 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $50,000 property damage liability per accident
• $100,000 uninsured motorist bodily injury per person
• $300,000 uninsured motorist bodily injury per accident
• $500 collision deductible
• $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Age: Rates were calculated by evaluating our base profile with the ages 16-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts.

The rates for drivers ages 16-20 added to their parents' policy reflect the good student and driver's training discounts applied. The rates for drivers aged 16-20 on their own policy do not include the good student and driver's training discounts. Additionally, 25-year-old rates are based on the driver as a renter and 30+ on the driver as a homeowner.

Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), single speeding ticket, single at-fault accident and single DUI conviction.

Credit-based insurance scores: Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.

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.

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.