Kemper Auto Insurance Review

This Kemper auto insurance review covers the company's coverage and bundling options, discounts, financial stability, and more. Kemper insurance is available in all 50 states and Washington DC. You should compare rates from multiple companies to find the best auto insurance policy for your needs and budget.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Written by Sara Routhier
Director of Outreach Sara Routhier

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent Cynthia Lanctot

UPDATED: May 10, 2022

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A Concise Overview

  • Kemper is a mid-sized insurance company offering a variety of policies, including auto, health, and life
  • Kemper insurance company provides a number of bundling options for policyholders and money-saving discounts for military service members, safe drivers, and high-achieving students
  • Kemper insurance is available in all 50 states and Washington D.C.

If you’re looking for your first auto insurance policy or a replacement for your current coverage option, Kemper could be the ideal fit for your needs. A well-established insurer, Kemper provides a wide range of coverage options and even offers additional policies for health, life, and more. 

In this Kemper auto insurance review, we’ll discuss the history of the company, the types of coverage it offers, discounts and programs, the claims process, Kemper’s reputation in the industry, and state-by-state availability. 

Whether you’re simply seeking a policy that’s compliant with your state’s or lender’s requirements or you’re looking for the most thorough possible coverage, consider Kemper’s slate of offerings. 

If you’re ready to shop for auto insurance right now, enter your ZIP code in the box above to compare rates available in your area.

What are Kemper insurance basics?

Kemper Corporation is a mid-sized insurance company servicing over 6.6 million auto, health, life, and business insurance policies. With over $15 billion in assets, Kemper has acquired 14 insurance companies during its tenure, including:

  • Primesco, Inc., a life and health insurance company
  • MasterCare Insurance Company of New York, which provided life and health insurance
  • Valley Group Inc., a property and casualty insurance company

Kemper has been a publicly-traded company since at least 2011, and its current stock price is $62.81. Kemper’s corporate structure includes five companies:

  • Kemper Auto
  • Infinity, A Kemper Company (serving California only)
  • Kemper Personal Insurance
  • Kemper Health
  • Kemper Life

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What does Kemper’s auto insurance coverage offer?

Kemper offers a variety of insurance policies in addition to auto coverage, including:

  • Business insurance for 
    • Property
    • General liability
    • Professional liability
  • Health insurance
  • Life insurance
  • Property insurance for
    • Home
    • Renters
    • Condo
    • Mobile homes
    • Flood coverage
  • Recreational vehicle coverage for
    • RVs
    • Boats
    • ATVs

While auto insurance requirements vary from state to state, you should ensure that you’re meeting the minimum requirements for both your local jurisdiction and your lender (if you have a car loan or lease). But, you should also consider policies that provide additional peace of mind, like GAP insurance, roadside assistance, or additional liability coverage. 

Kemper auto insurance provides the following types of policies:

  • Bodily injury liability. Covers injury to the other driver and their passengers in an accident and reimburses legal fees if you’re sued after an accident. 
  • Property damage liability. Reimburses other drivers for damages you inflict on another vehicle (but does not cover your own vehicle).
  • Personal injury protection (PIP). Covers your health fees for injuries you and your passengers sustain in an accident.
  • Comprehensive. Pays for damages incurred during non-accident incidents like hail, vandalism, or flooding.
  • Collision. Reimburses the costs of repair for accident-related damages to your vehicle.
  • Uninsured motorist bodily injury (UMBI). Protects you if you sustain injuries during an accident with an uninsured driver.
  • Rental. Pays the cost of a rental car if your vehicle is in the shop or otherwise unavailable after an accident.
  • Towing and labor. Covers the fees associated with field repairs and towing for your vehicle if it’s disabled in an accident. 
  • Roadside assistance. Provides towing, jump-starts, battery replacement, and other non-accident roadside services. 
  • SR-22. Insurance required in some states for drivers who have had their license suspended or revoked in the past. 
  • Loan/lease. Also commonly known as GAP insurance; pays off the remainder of your loan or lease if you total your vehicle in an accident.

What are Kemper’s bundling options?

While you can bundle Kemper auto insurance policies with other types of coverage — life, health, or property, for example — Kemper also provides some of the best bundle options for drivers:

  • Kemper Prime Auto Enhanced. This covers state and lender requirements while providing
    • A waiver of rate increases for your first minor accident or traffic violation
    • Deductive credits for safe driving
    • Deductible waivers for damage to your car while it’s parked
    • Personal property protection
    • Trip interruption reimbursement (for instance, if you have to stay in a hotel while your car is being repaired while traveling)
    • Key replacements
  • Kemper Total. This option provides coverage per state requirements while guaranteeing a full reimbursement for vehicle repairs or replacement after an accident, making it an ideal policy for drivers with new cars.
  • Auto Loan/Lease. This meets state minimums for coverage and bundles GAP insurance.

What are Kemper’s discounts?

Kemper provides a slate of discounts for which policyholders may be eligible, including:

  • Drivers who complete an approved course may be eligible for a Defensive Driver Discount.
  • Current and former military members, along with Junior or Senior Cadets at a military academy, are eligible for the Military Discount.
  • Drivers whose cars have a built-in, passive anti-theft device — like a break-in alarm — may qualify for the Anti-Theft Discount. 
  • Students with good grades can save via the Good Student Discount. 

While it’s not explicitly a discount, Kemper customers can also pay their premiums in full annually, preventing rate increases throughout the year by locking in one annual price, which could result in savings. Keep in mind that this discount may not apply if you are at fault in an accident after you’ve paid your annual premium, so be sure to clarify potential rate change exceptions with your agent before signing on the dotted line. 

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What are Kemper’s special programs?

One of Kemper’s specialty programs for policyholders is access to the Kemper Repair Network, a database of vetted auto maintenance and repair shops. If you get into an accident, there are a few advantages for using a Kemper Repair Network shop:

  • You can expedite repair timelines since shops will begin the work as soon as your agent sends the shop a referral for the necessary repairs.
  • The program also saves time by narrowing your search for a qualified, trustworthy repair shop.
  • Kemper Repair Network shops guarantee the work for as long as you own your car. If a body shop replaces your bumper after a fender bender, for instance, you can return to the same shop for a free repair if you experience any issues with the replacement. 

While networks of pre-approved repair shops are part and parcel of most mainstream auto insurance agencies, not all offer guaranteed work for the lifetime of policyholders’ car ownership.

How to Process a Claim

Kemper makes it relatively easy to file an auto claim. Policyholders have four options for filing:

  • Directly contacting their agent
  • Using Kemper’s 24/7 toll-free line
  • Reporting via the company’s website
  • Using Kemper’s mobile app for agent contact, claims reporting, and roadside assistance 

When filing a claim, make sure to have the following information ready to enter or dictate to an agent:

  • The policyholder’s name
  • The policy number
  • Information about the vehicle, including
    • Year, make, and model
    • Tag number
    • VIN
  • Details of the accident or damage
  • Number of the policy report, if applicable
  • Date, time, and location of the accident or damages

Kemper’s claims process appears to be straightforward, and its multiple tools for claims reporting make it easier than ever to complete the procedure. 

How’s Kemper standing in the industry?

Two third-party agencies provide financial strength ratings for insurance companies in the United States: A.M. Best and S&P Global. While some insurers receive ratings from both, Kemper is only rated by A.M. Best

A.M. Best provides 13 rankings for insurers, ranging from A+ (Superior) to D- (Poor). All insurance and underwriting companies in Kemper’s corporate structure currently have an A rating (Excellent). 

An A rating indicates that the company is very unlikely to default on financial obligations, like:

  • Paying the rent/mortgage and utilities for its physical facilities
  • Complying with regulatory agencies and accreditation requirements
  • Funding employee benefits programs

A.M. Best’s A rating also signifies that a company should:

  • Be able to financially maintain its current policies, including
    • Processing payments from customers
    • Paying out policy funds to policyholders
    • Maintaining digital, physical, and employee infrastructure to administer policies

Overall, Kemper’s A rating indicates that it’s a quality insurer that can meet financial obligations and sustainably serve policyholders. 

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In which states is Kemper’s auto insurance available?

Kemper auto insurance policies are available in all 50 states and Washington DC, along with the rest of its policy offerings like health, life, and property insurance. 

While many mid-sized insurers aren’t licensed or adequately resourced to serve a nationwide coverage area, Kemper does appear to have a formidable infrastructure to support such a wide area. 

Plus, since coverage is available in every state, policyholders don’t have to worry about getting into an accident in another state or finding a Kemper Repair Network shop outside of their insurer’s jurisdiction. Kemper customers can also keep their policy if they move to a new state.

How to Find the Right Rate for You

If you are confused about what a deductible means in car insurance,or anything else related to auto insurance, you’re in the right place. Kemper is a quality mid-sized insurer, and customers can potentially take care of all of their insurance needs through the company by bundling their auto, home, life, and health insurance policies with one carrier. 

The company offers a wide variety of auto insurance coverage, so customers can meet their state’s minimum requirements or add additional peace-of-mind policies if they want further protection for damage to their vehicle, coverage for leased or loaned cars, or uninsured motorist coverage — to name just a few additional insurance coverage options. 

However, the search for high-quality auto insurance that meets your financial needs isn’t always easy. Instead of individually sifting through hundreds of insurers’ websites to find pricing and policy information, enter your ZIP code in the box below to see the best rates available in your area right now.

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