Kemper Auto Insurance Review

Kemper offers a variety of auto insurance coverages, including SR-22 insurance for high-risk drivers. The companies reviews and ratings are mixed. Find out if Kemper is the right auto insurance company for you.

UPDATED: Jul 19, 2022Fact Checked

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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: Jul 19, 2022

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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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A Concise Overview

  • Kemper offers car, home, health, and other insurance products throughout the United States
  • The company provides liability, collision, and comprehensive auto insurance coverage, among others
  • Kemper policyholders can save money with specific discounts

Whether you’re looking for your first car insurance policy or a new insurer, Kemper may be an excellent option for you.

Kemper Insurance offers several products, including auto, home, health, life, and business insurance. For extra protection, Kemper auto insurance policyholders can choose liability coverage and any other add-on coverages.

Kemper also prides itself on offering customizable coverages to its clients, allowing them to set the coverage amounts they need. Read on to learn more about Kemper’s auto insurance coverages.

What are Kemper’s car insurance offerings?

According to the company website, Kemper car insurance offers various deductible amounts, coverages, and limits to meet policyholders’ unique needs. In addition, Kemper allows them to customize coverage options.

With Kemper, you can get the following auto insurance coverages:

  • Bodily injury liability. Bodily injury liability covers injury to the other driver and their passengers in an accident and reimburses legal fees if you get sued. 
  • Property damage liability. Property damage liability reimburses other drivers for damages you inflict on another vehicle but doesn’t cover your car.
  • Personal injury protection. Personal injury protection covers you and your passengers’ health fees and injuries sustained in an accident.
  • Comprehensive. Comprehensive coverage pays for damages incurred during non-accident incidents like hail, vandalism, or flooding.
  • Collision. Collision coverage reimburses the costs of repair for accident-related damages to your vehicle.
  • Uninsured motorist bodily injury. This coverage protects you if you sustain injuries from an uninsured driver accident.
  • Rental. This option pays the rental car cost if your vehicle is in the shop after an accident.
  • Towing and labor. Covers fees associated with field repairs and towing for your vehicle if it’s disabled in an accident.
  • Roadside assistance. Kemper Insurance roadside assistance provides towing, jump-starts, battery replacement, and other non-accident roadside services. 
  • SR-22. Some states require drivers with suspended or revoked licenses to get an SR-22 certificate from their insurance company.
  • GAP insurance. GAP insurance pays off the remainder of your loan or lease if you total your vehicle in an accident.

As you can see, the company offers various coverages. While most states only require bodily injury and property damage coverage, you may want to consider purchasing additional coverage, such as collision and comprehensive, to ensure you’re adequately covered if you’re ever in an accident.

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Does Kemper offer unique coverage options?

Kemper allows clients to purchase specific bundling options that help add more coverage and save money on monthly or annual premiums. Some bundle options with Kemper include Kemper Prime Auto Enhanced, Kemper Total, and Auto Loan/Lease.

With Kemper Prime Auto Enhanced, policyholders can expect the following:

  • Waiver of the first accident or violation
  • Diminishing deductible credit for safe driving
  • Waiver of deductible if the car is damaged while parked
  • Personal property protection
  • Trip interruption expense coverage
  • Key or entry transmitter device replacement

The Kemper Total bundle provides coverage meeting state requirements while guaranteeing a full reimbursement for vehicle repairs or replacement after an accident. This policy is ideal for drivers with new cars.

Lastly, the Auto Loan/Lease option includes state requirements for auto insurance bundled with GAP insurance.

One of these bundle options might work well for you and your family members if you’re looking for an auto policy with extra support.

How much is car insurance with Kemper?

Car insurance rates with Kemper vary depending on several factors. Some of the most common factors impacting the cost of car insurance include:

  • Age
  • Gender
  • ZIP code
  • Car make and model
  • Marital status
  • Occupation
  • Credit score
  • Driving history
  • Coverage types

The table below compares the average annual car insurance rates to the average yearly Kemper auto insurance rates in each state.

Comparison of Kemper Annual Rates by State to Average Rates by State
StateAverage Rates by StateKemper Annual Rates by StateHigher/Lower than Average
Alabama$3,567$2,867-$700
Alaska$3,422$2,880-$542
Arizona$3,771$2,265-$1,506
Arkansas$4,125$3,485-$640
California$3,689$2,886-$803
Colorado$3,876$3,092-$785
Connecticut$4,619$3,074-$1,545
Delaware$5,986$3,727-$2,259
District of Columbia$4,439$3,693-$746
Florida$4,680$3,784-$897
Georgia$4,967$2,977-$1,990
Hawaii$2,556$3,359$803
Idaho$2,979$2,771-$208
Illinois$3,305$2,779-$526
Indiana$3,415$2,261-$1,154
Iowa$2,981$2,296-$685
Kansas$3,280$3,221-$59
Kentucky$5,195$4,634-$562
Louisiana$5,711$6,155$443
Maine$2,953$2,823-$130
Maryland$4,583$3,833-$750
Massachusetts$2,679$1,510-$1,169
Michigan$10,499$6,430-$4,069
Minnesota$4,403$3,499-$905
Mississippi$3,665$4,087$423
Missouri$3,329$2,885-$444
Montana$3,221$3,602$382
Nebraska$3,284$3,837$554
Nevada$4,862$3,662-$1,200
New Hampshire$3,152$1,615-$1,537
New Jersey$5,515$2,755-$2,760
New Mexico$3,464$4,458$995
New York$4,290$2,428-$1,862
North Carolina$3,393$2,937-$456
North Dakota$4,166$2,668-$1,498
Ohio$2,710$1,867-$843
Oklahoma$4,142$3,437-$705
Oregon$3,468$3,220-$248
Pennsylvania$4,035$2,605-$1,429
Rhode Island$5,003$5,603$599
South Carolina$3,781$3,178-$603
South Dakota$3,982$2,940-$1,042
Tennessee$3,661$3,283-$377
Texas$4,043$3,263-$780
Utah$3,612$2,966-$646
Vermont$3,234$2,196-$1,038
Virginia$2,358$2,062-$296
Washington$3,059$2,569-$491
West Virginia$2,595$2,121-$475
Wisconsin$3,606$3,926$320
Wyoming$3,200$3,497$296
Median$3,661$3,074-$587
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While Kemper claims to offer affordable auto insurance rates, you’ll never know which company in your area offers the best rates until you shop online and compare quotes from multiple companies.

Kemper offers discounts on auto insurance coverage, like defensive driver, military, anti-theft, and good student. If you’re interested in learning more about discounts with Kemper and how much they could help you save, call the company and speak with a representative.

Does Kemper have good ratings and reviews?

Kemper Insurance reviews and ratings are mixed. While the company has excellent reviews for offering specific coverage, like SR-22 insurance and options for people who want to bundle coverages, the company also has negative reviews in other areas.

For example, Kemper insurance claims reviews say that the company doesn’t pay policyholders when it should and takes too long to issue payments to its clients.

While Kemper auto insurance reviews are both positive and negative, Kemper health insurance reviews and Kemper home insurance reviews are relatively similar, pointing out both the good and the bad of purchasing an insurance policy with the company.

The Kemper insurance rating with A.M. Best is an A — or excellent — for financial strength, but the company has a negative outlook regarding future endeavors.

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Kemper Car Insurance: The Bottom Line

Kemper offers all the car insurance coverages you could want, and the company includes options for bundling coverages to save money. In addition, Kemper has discounts allowing policyholders to save money on car insurance coverage.

Kemper company reviews are both positive and negative, so ensure you’re comfortable purchasing a policy with the company based on its current state and future outlook. Compare quotes from multiple providers before making a decision.

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