Kemper Auto Insurance Review for 2020

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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 insurance policies for families, businesses, and individuals who need to protect multiple pieces of property.

Coverage options include auto insurance. They are represented by over 20,000 agents and 6,000 associates across the country. Kemper offers convenient payment options like the Kemper EZpay program. Their primary focus is non-standard 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.

Kemper Auto Insurance Rates

Because Kemper Automobile Insurance is a provider of non-standard insurance, it can be difficult to determine whether or not they are offering you a fair deal.

But 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.

Granted, your rates will vary. And 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.

But by looking at average rates for states and drivers across the country, you can get a better picture of where your monthly premiums should be.

What is Kemper availability by state?

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.

Kemper Auto Insurance Coverages Offered

Kemper is legally obligated to offer you the minimum types and amounts of coverage that your state deems necessary in order for drivers to be on the road.

In addition, like AAA, Kemper Insurance offers services like roadside assistance, as well as home, renters, and condo insurance.
You can check out Kemper insurance reviews on the BBB website for Kemper homeowners insurance reviews, Kemper health insurance reviews or Kemper life reviews.

What are Kemper's bundling options?

Kemper offers multi-policy and bundling discounts for auto, home, renters, and condo insurance policies.

What discounts are offered by 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:

In addition, you may qualify for other discounts that vary by state, or for discounts that are applied to standard Kemper insurance policies. 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

When you're looking for a Kemper car insurance quote, remember to ask about these and other discounts that may be available to you.

What programs are available from 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; includes auto loan/lease coverage and double the coverage for standard rental reimbursement
• Auto Loan/Lease Coverage – gap coverage on vehicles that are no more than three model years old; 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 are required to obtain the certification in order to legally drive. Just speak to your insurance agent in order to get a Kemper SR-22 form.

How to Make a Kemper Auto Insurance Claim

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.

Kemper: Auto Insurance Ratings

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.

Customer reviews are mixed, but mostly on the positive side.  Take a look at this table for a summary of Kemper auto insurance company ratings.

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.

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.

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, just to 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.

#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.

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.