Kemper Car Insurance Review 2024

High-risk drivers, like teens and drivers with multiple accidents, can benefit from coverage with Kemper since they are highly likely to get into an accident. So, choosing a car insurance company that doesn’t offer certain coverage could cost them thousands of dollars.

Kemper offers standard car insurance coverage, but its unique add-ons allow drivers to protect themselves financially. Additionally, Kemper offers SR-22 coverage and various discounts to help high-risk drivers save on car insurance.

What You Should Know About Kemper Corporation

Founded in 1990, Kemper offers various insurance products, including auto, life, and health insurance. Its subsidiaries, Kemper Auto and Kemper Personal Insurance, provide auto insurance in all 50 states and Washington, D.C. However, available coverage options vary by state.

Though Kemper works for anyone needing car insurance, high-risk drivers with revoked, suspended, or canceled licenses may find Kemper appealing as it files SR-22 forms. It offers standard coverage and various add-ons, allowing you to customize your coverage and ensure you’re protected financially in any situation.

Kemper Corporation Insurance Coverage Options

Kemper offers the following standard auto insurance coverage options:

• Liability. Covers the cost of property damage and bodily injury for the other driver and passengers involved in an accident you caused.
• Medical payments. Covers the cost of your and your passengers’ medical payments following an accident.
• Comprehensive. Covers the cost of property damage to your vehicle resulting from an incident other than a collision, including fire, vandalism, or theft.
• Collision. Covers the cost of property damage to your vehicle resulting from a collision with another vehicle or object.
• Uninsured/underinsured motorist. Covers the cost of property damage and bodily injury caused by another driver with no insurance or insufficient insurance.

Different add-on coverage options are available through Kemper depending on the type of auto insurance policy you purchase.

When purchasing a Kemper personal insurance auto insurance policy, add-on options include the following:

Kemper Prime Auto Enhanced.

• First accident or minor traffic violation waived
• Deductible for vehicles damaged while parked waived
• Diminishing deductible
• Personal property protection
• Trip interruption expenses
• Replacement of key or entry transmitter device

Kemper Total.

• New car replacement. Replaces a driver’s totaled vehicle after an accident or theft.
• Increased rental allotment. Increases rental allotment for your rental vehicle while your vehicle gets repaired. Only available when insuring a brand-new vehicle.

When purchasing a Kemper auto insurance policy, add-on options include the following:

• Annual policies. A yearly auto insurance policy allows drivers to pay the same car insurance rate for a year.
• Roadside assistance. Provides 24/7 assistance with roadside emergencies, including lockout, fuel delivery, towing, tire change, and jump-start.
• Auto loan/lease. Also known as GAP insurance, auto loan/lease coverage pays the difference between the remaining loan or lease balance and the vehicle’s value.
• Personal umbrella liability coverage. Provides additional liability coverage, which can protect you financially if your standard liability coverage isn’t enough.

Certain add-on options aren’t available in all states.

Does Kemper offer SR-22 car insurance?

Yes, Kemper offers SR-22 car insurance to drivers with revoked, canceled, or suspended licenses.

Does Kemper offer usage-based car insurance?

No, Kemper doesn’t offer usage-based car insurance.

Does Kemper offer pay-per-mile car insurance?

No, Kemper doesn’t offer pay-per-mile car insurance.

Does Kemper offer rideshare insurance?

No, Kemper doesn’t offer rideshare insurance.

Does Kemper have a mobile app?

Kemper’s car insurance policyholders can use the mobile app to complete the following tasks:

• Make payments
• View ID cards
• Locate repair shops
• Submit claims

The Kemper mobile app is available to auto insurance policyholders with Android or Apple devices.

Additional Kemper Insurance Products

Kemper offers the following additional insurance products: 

• Renters
• Condo
• Umbrella
• Mobile home
• Flood
• Business
• Supplemental health
• Life
• RV
• Boat
• Motorcycle
• ATV

Certain insurance products are available through third parties.

Kemper Corporation Insurance Rates Breakdown

Here’s how Kemper’s auto insurance rates compare to its competitors.

Monthly Kemper Auto Insurance Rates Compared to Top Companies

Similar to other car insurance companies, Kemper offers various discounts to its customers to help them save on coverage.

What factors determine car insurance rates?

Insurance companies use multiple factors to calculate rates. However, rating systems vary, so drivers will see different pricing options.

Here are the factors Kemper may use to set car insurance rates:

• Age. Younger drivers, specifically anyone under 25, have less experience behind the wheel, so they’re more likely to be involved in an accident and file a claim.
• Gender. Female drivers are less likely to file a claim because they’re often safer and more responsible than male drivers.
• Driving record. Drivers with a history of accidents and/or traffic violations are high-risk.
• Location. Vandalism, theft, and accident rates in your state impact the likelihood of you filing a claim.
• Type of vehicle. Repair costs, theft rate, and safety features determine how risky it would be to insure a driver.
• Coverage type. The more coverage a driver has, the higher their car insurance rate will be.
• Annual mileage. Drivers not on the road often are less likely to file a claim.
• Credit. Drivers with poor or bad credit are seen as irresponsible, meaning there’s a good chance they’ll file a claim.

Since so many factors impact rates, it’s best to shop around and compare rates between insurance companies to confirm who’s offering the most affordable coverage.

Kemper Corporation Discounts Available

Kemper offers the following auto insurance discounts:

• Advance quote discount. Earn a discount for receiving a Kemper auto insurance quote and purchasing a policy before the effective date.
• Proof of prior insurance discount. Earn a discount for being previously insured.
• Paid-in-full discount. Earn a discount for paying for your policy in full.
• Multi-car discount. Earn a discount for insuring two or more vehicles.
• Defensive driving course discount. Earn a discount for completing a safe driving course.
• Good student discount. Earn a discount for being a full-time student with a minimum GPA of 3.0.
• Military discount. Earn a discount for being an active duty military or National Guard member.
• Homeowner discount. Earn a discount for purchasing a homeowners insurance policy and auto insurance policy with matching addresses.

Kemper’s car insurance discounts vary based on state and policy type, so not all customers can access every discount.

How Kemper Corporation Ranks Among Providers

Kemper has an A- A.M. Best rating and a BBB rating of A+. Similar to other car insurance companies, Kemper offers a range of coverage options, add-ons, and discounts.

Though Kemper works for anyone needing car insurance, high-risk drivers with revoked, suspended, or canceled licenses may find Kemper appealing as it files SR-22 forms.

Is Kemper car insurance good?

According to the J.D. Power 2022 U.S. Auto Insurance Study, Kemper earned 14th place in California. J.D. Power ranks auto insurance companies in 11 geographical regions based on customer satisfaction with policy information, policy offerings, billing, claims, interaction, and price.

In the 2021 J.D. Power Claims Satisfaction Study, which measures customer satisfaction with auto insurance claims settled in the previous six months, Kemper earned the 19th spot.