Kemper Auto Insurance Review for 2021
In this review, you'll find that Kemper auto insurance offers non-standard auto insurance for high risk drivers including Kemper SR-22 coverage. Kemper automobile insurance is rated A- by A.M. Best and A+ by the Better Business Bureau, and their EZPay is an option for monthly payments. Dive in to learn more about Kemper auto insurance.
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Written by
Chris Tepedino
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Reviewed by
Rachael Brennan
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UPDATED: Jul 19, 2021
It’s all about you. We want to help you make the right coverage choices.
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| Things to Know | Details | Source |
|---|---|---|
| Year Founded | 1990 | Kemper Insurance |
| Current Executives | Robert J. Joyce, Chairman Joseph P. Lacker, CEO | Kemper Insurance |
| Numbers of Employees | 8,300 | Kemper Insurance |
| Total Sales/Assets | $12 Billion | Kemper Insurance |
| HQ Address | 200 East Randolph St., Chicago, IL | Kemper Insurance |
| Phone Number | (877) 252-7878 | Kemper Insurance |
| Company Website | http://www.kemper.com/ | Kemper Insurance |
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Kemper Insurance (not to be confused with Kemper Automobile in Franklin, OH, which is a repair shop) is a subsidiary of the Unitrin corporation and based out of Chicago. They offer auto insurance and other insurance options for families, businesses, and individuals who need to protect multiple pieces of property.
They are represented by over 20,000 agents and 6,000 associates across the country. Kemper offers convenient automatic payments with the Kemper EZpay program. Their primary focus is non-standard comprehensive coverage and other insurance policies for high-risk drivers who cannot find coverage with other companies.
Before starting on this Kemper auto insurance review, use your ZIP code to get free quotes on auto insurance to start comparing rates today so you can get the best cheap auto insurance for your needs. For example, you may be able to compare Kemper insurance vs. Progressive in your area.
Table of Contents
What Should Consumers Expect from Affordable Rates with Kemper?
Because Kemper Automobile Insurance is a provider of non-standard types of insurance for insurance shoppers, it can be difficult to determine whether they are offering you a fair deal.
You can get a good idea by taking a look at this table, which summarizes average rates from competitors in a few different states. You can see how your Kemper auto insurance quotes stack up.
| Companies | Illinois Average Monthly Rates | California Average Monthly Rates | Texas Average Monthly Rates |
|---|---|---|---|
| State Farm | $34 | $139 | $89 |
| Allstate | $52 | $146 | $71 |
| Mercury | $89 | $88 | $260 |
| Average Rates | $34 | $64 | $105 |
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With any company, your rates will vary. If you are the type of motorist who is in need of non-standard coverage, the unfortunate truth is that your rates may be a little more expensive than what you see above.
By comparing rates with different companies, you can get a general idea of what’s fair. Just make sure you’re accounting for different coverage levels for the prices advertised.
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Is Kemper Available in a Wide Range of States?
Kemper auto insurance is currently offered in 26 states. Specifically, you can purchase Kemper auto insurance in:
- Arizona
- Californa
- Colorado
- Connecticut
- Florida
- Georgia
- Ilinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Maryland
- Minnesota
- Missouri
- Nevada
- New Jersey
- New York
- Ohio
- Oregon
- Pennsylvania
- South Carolina
- Tennessee
The company continues to grow and plans to expand into other states in the future.
What Kind of Plans Does Kemper Auto Insurance Offer?
Kemper is legally obligated to offer you the minimum types and amounts of coverage that your state deems necessary for every auto insurance policy. If you’re unsure about your state, our quote tool lets you search for policies by zip code.
In addition, like AAA, Kemper Insurance offers services like roadside assistance, as well as home, renters, and condo insurance.
In addition, like AAA, Kemper Insurance offers extra coverage options for your auto policy like roadside assistance for a flat tire as well as home, renters, and condo insurance.
What are Kemper’s bundling options?
Kemper offers multi-policy and bundling discounts for auto, home, renters, and condo insurance policies.
What Kind of Auto Insurance Discounts Can You Qualify for with Kemper?
If you’ve been rejected by automotive insurance companies in the past when looking to purchase high-risk insurance, you may be in need of non-standard auto insurance. And if you qualify for one of these policies from Kemper, you should inquire about the following car insurance discounts:
| Auto Insurance Discount | How to Qualify |
|---|---|
| Kemper EZPay | Sign up for a monthly auto-recurring payment plan to reduce your down payment and installment fees |
| Paid in Full | Paying off your entire auto policy in one lump sum at the beginning of each policy period |
| Prior Insurance Discount | By keeping an auto insurance policy active |
| Residence Discount | Own your own home or carry a renter's insurance policy |
| Multi-Car Discount | Having more than one vehicle covered by your auto policy |
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Bundling your policies makes sense for many people. Insurance companies like Kemper offer multi-policy discounts to make it more attractive to do so. Kemper personal insurance offers other discounts as well. A local Kemper insurance agent can help you figure out whether you qualify for any of the following:
- Anti-lock Brakes
- Anti-theft Devices
- Away at School
- Driver Training
- Good Student
- Operator Defensive Driving Course
- Multi-car
- Package Plus
- Passive Restraint/Airbags
A clean driving record gives many parties a good starting point. When you’re shopping for a Kemper car insurance quote, remember to ask about these and other discounts that may be available to you as well.
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What Options Do Consumers Have with Kemper?
Beyond standard and non-standard coverage, you may be interested in the following forms of vehicle insurance available from Kemper:
- Kemper Total – Pays the full cash value required to either repair or replace any brand-new leased or purchased vehicle. It includes auto loan/lease coverage and doubles the coverage for standard rental reimbursement after an auto accident
- Auto Loan/Lease Coverage – Gap insurance coverage on vehicles that are no more than three model years old. It comes with a 5% increase to physical damage premiums.
- Parked Auto – Coverage for your vehicle if it is damaged while legally parked and unoccupied
- SR-22 Coverage – For drivers who need to reinstate their insurance following a suspended, revoked, or canceled driver’s license
- Reconditioned Vehicle Program – Coverage for salvaged vehicles that have been restored to full operation
As we noted above, as a provider of non-standard insurance, Kemper insurance files SR-22 forms for those insureds who need it. Just speak to your insurance agent in order to get a Kemper SR-22 form.
How Do You Make a Kemper Auto Insurance Claim?
If you’re in a covered accident, Kemper makes it simple. You can file a claim online through Kemper’s website or by calling a Claims Representative. If you choose to file online, you start by selecting the claim type and then filling out a form with the pertinent information.
If you’d prefer to speak with an agent, you can call a Claims Representative at 866-536-7376 and they’ll walk you through the process.
How Do Customers Feel about Kemper?
We all want to know how a company takes care of its customers. Do they have a lot of customer complaints? Do people love their claims process? Do they go the extra mile when you need them? As far as the ratings go for Kemper, the outlook is mostly positive. For starters, they have an official rating of “positive” from the credit rating agency A.M. Best.
This means that, should you need to file a claim, Kemper shouldn’t have any problems paying it out. If you want to learn more about A.M. Best, take a minute to watch this video.
https://www.youtube.com/watch?v=5UUT5VZ6vEo&t=2s
Customer reviews are mixed, but it’s mostly on the positive side. Take a look at this table for a summary of Kemper auto insurance company ratings.
| Ratings Agency | Kemper Insurance Rating |
|---|---|
| Better Business Bureau | A+ |
| A.M. Best | A- |
| Credit Karma | 4 out of 5 Stars |
| Consumer Affairs | 2 out of 5 Stars |
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The Better Business Bureau and Credit Karma both give high customer service marks to Kemper. However, the negative reviews from Consumer Affairs and half of the complaints filed against Kemper on the BBB have all occurred within the last year or so.
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What is the Bottom Line for Kemper Insurance?
In recent years, Kemper has been expanding their network of independent insurance agents who are willing to sell auto policies to customers like you. Take a look at this table for a summary of Kemper insurance pros and cons.
| Pros | Cons |
|---|---|
| Provide non-standard coverage for high-risk drivers | Standard coverage options may be limited in certain areas |
| Mostly positive customer service reviews | Some reviews less positive than others |
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If you have been having trouble finding coverage due to having a higher risk profile, you may want to contact a Kemper agent in your area.
But don’t stop there. Before you buy Kemper auto insurance make sure you also get quotes from other insurance providers near you, non-standard and standard alike. This way, you can make sure you’re getting the most affordable price.
Frequently Asked Questions: Kemper Auto Insurance Review
Still have questions about Kemper Car Insurance? Read through these frequently asked questions for more information.
#1 – Does Kemper Insurance cover rental cars?
The Kemper Insurance rental car policy focuses specifically on rental car reimbursement if your vehicle is unavailable as the result of damage that is covered by your policy.
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#2 – Is Wawanesa EZpay an option?
Yes, Wawanesa also offers an EZpay option for their insureds.
#3 – What is the Kemper insurance cancellation policy?
To cancel your Kemper insurance policy, contact your Kemper insurance agent or use your Kemper auto insurance login on their website.
#4 – Does Kemper Offer Accident Forgiveness?
Kemper encourages accident prevention and responsible driving. The personal policies offer a waiver for your first accident or minor violation.
If you have a quote from Kemper (or even if don’t), you can compare it against rates from multiple other car insurance companies by using your ZIP code in our free tool today.