While Kemper auto insurance reviews are mixed, the company may be a strong option for teens, those with DUIs, or new drivers. Kemper auto insurance plans cover any state requirements and offer some extra options as well.
But what is the customer experience like with Kemper auto insurance? In this article, we’ll take a look at Kemper’s reputation, coverage options, and discounts. Remember, the only way to know for sure what you will pay for Kemper auto insurance is to get a quote.
Whenever you shop for car insurance, we recommend getting quotes from multiple car insurance companies so you can compare coverage and rates. In addition to the insurance company you choose, factors such as your age, vehicle make and model, and driving history can affect your premium, so what’s best for your neighbor might not be best for you.
Use our tool above to start comparing personalized car insurance quotes.
Kemper Auto Insurance At A Glance
The Kemper Corporation offers auto insurance through a few different subsidiaries, including:
- Kemper Personal and Commercial Lines (offered via agent only)
- Infinity Auto Insurance
- Alliance United Insurance
In this Kemper insurance review, we’re focusing on the Kemper brand of auto insurance. Infinity and Alliance United are both owned by Kemper, but they are marketed separately and have different services.
Kemper began as Unitrin in 1990. Over the years, it has expanded to offer many different insurance products in all 50 states. In total, Kemper companies provide services for about 6.3 million customers, which includes health and life insurance customers. The company is worth about $5.3 billion. In comparison, Progressive is worth about $49 billion. The size of a company doesn’t necessarily tell you about its customer service or credibility, though.
While the company has an A+ rating from the BBB, it received a 1.0 out of 5.0-star rating from customer reviews. However, this is based on less than 100 reviews, which is a very small overall sample size. Kemper also ranked in last place for the California region in J.D. Power’s 2020 U.S. Auto Insurance StudySM.
Kemper Car Insurance Coverage
The company offers car insurance in 50 states under a few different names, and it specializes in non-standard coverage for high-risk drivers. Kemper provides the six basic types of automobile coverage that most companies offer:
- Liability auto insurance
- Comprehensive car insurance
- Medical payments (MedPay)
- Personal injury protection (PIP)
- Uninsured/underinsured motorist (UM/UIM)
Kemper Car Insurance Services
There are also several extra coverage options that you can get with Kemper auto insurance. Keep in mind that since Kemper operates multiple companies, coverage depends on the policyholder’s underwriting qualifications and state laws. You might find:
- Broad form coverage (one driver, multiple cars)
- Rental car reimbursement
- Reconditioned vehicle coverage
- Roadside assistance
- Gap insurance
- New car replacement
Kemper Car Insurance Perks
The following benefits are part of Kemper’s Enhanced Coverage plan:
- Accident forgiveness
- Diminishing deductible
- No car insurance deductible for damage when the car is parked
- Personal property coverage
- Trip interruption expenses
- Key or key fob replacement
Kemper Auto Insurance Cost And Discounts
The average cost of Kemper Auto Insurance can vary from state to state, but based on data from Quadrant Information Services, the average premium rate estimates for car insurance providers across all 50 states ranged from $1,000 to $3,000, with a national average of $1,732.
The table below shows annual premium rate estimates for Kemper car insurance in California, Louisiana, Montana, and Texas-based on a 35-year-old married driver with a good driving history and credit score. You can expect rates to increase if you are younger, have low credit, or have a recent accident or DUI on your record.
Overall, we found that Kemper’s auto insurance policies are a bit more expensive for adults and families without young drivers. If you fall into those categories, you might expect to pay more per policy for Kemper auto insurance.
However, Kemper does generally provide good prices to high-risk drivers. That means teens and students might be able to find better prices with Kemper than with other insurance companies. Likewise, families with teens can save on family car insurance with the company.
Factors That Can Affect The Cost of Kemper Auto Insurance
Besides being young, a few other things can make you a high-risk driver:
- Filing an SR-22
- Having a DUI or other serious infraction on your record
- Having a poor credit score (not relevant in California, Massachusetts, or Hawaii)
- Not having prior insurance
- Having a lapse in coverage
All of these factors can raise your car insurance rates, so it’s good to know about companies that still provide good deals to high-risk drivers. Some other factors that affect your car insurance rates are:
- Local population density
- Accident record
- Recent tickets
- Type of car you drive
- Other drivers on your policy