High-risk drivers get the best deal with Kemper auto insurance.
Kemper auto insurance plans cover any state requirements you might need to meet, plus some extra options. The company offers car insurance in 50 states under a few different names, and it specializes in non-standard coverage for high-risk drivers.
But what do people really experience with Kemper car insurance? Today, we’ll take a look at its 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 below or call (855) 518-0148 to start comparing personalized car insurance quotes:
In this article:
- Kemper Auto Insurance Highlights
- About Kemper Insurance Company
- Kemper Car Insurance Coverage
- Kemper Cost And Discounts
- Getting a Kemper Auto Insurance Quote
- Filing A Claim With Kemper
- Kemper Car Insurance Reviews
- Our Verdict On Kemper Auto Insurance
- Top Recommendations For Car Insurance
Kemper Auto Insurance Highlights
- A+ rating from the Better Business Bureau (BBB)
- A- financial strength rating from AM Best
- Poor customer service reviews
- Best for families with teens and high-risk drivers on a budget
About Kemper Insurance Company
The Kemper Corporation offers auto insurance through a few different subsidiaries, including:
- Kemper Personal and Commercial Lines (offered via agent only)
- Kemper Specialty California (non-standard auto coverage)
- Kemper Direct (offered online and via phone)
- Infinity Auto Insurance
- Alliance United Insurance
In this 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, and that includes life and health 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 Kemper does have an A+ rating from the BBB, it has a one-star rating from customer reviews on the BBB. Also, it ranked in last place for the California region on J.D. Power’s 2019 U.S. Auto Insurance Study.
Kemper Car Insurance Coverage
Kemper auto insurance includes the six basic types of automobile coverage that most companies offer:
- Liability auto insurance compensates other people in accidents that you cause.
- Comprehensive car insurance repairs your car after environmental events and things like theft and vandalism.
- Collision coverage repairs your car after an accident.
- Medical payments (MedPay) covers your medical bills after an accident.
- Personal injury protection (PIP) covers your medical bills, lost wages, and funeral benefits after an accident.
- Uninsured/underinsured motorist (UM/UIM) covers you if an uninsured or underinsured driver causes an accident.
There are also a number of 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)
- Reconditioned vehicle coverage
- Roadside assistance
- Gap insurance
- New car replacement
Finally, the following perks are part of Kemper’s Enhanced Coverage plan:
- Accident forgiveness
- Diminishing deductible
- No deductible for damage when the car is parked
- Personal property coverage
- Trip interruption expenses
- Key or key fob replacement
Kemper Cost And Discounts
Overall, we found that Kemper is a bit more expensive for adults and families without young drivers. If you fall into those categories, you might expect to pay a few hundred dollars more per policy for Kemper auto insurance.
However, Kemper does provide good prices to high-risk drivers. That means teens and students might be able to find better prices with Kemper than other insurance companies. Likewise, families with teens can save on family car insurance with the company. And if you live in California, Kemper Specialty California is made for you. 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 or Hawaii)
- Not having prior insurance
- Having a lapse in coverage
All of these things raise your car insurance rates, so it’s good to know about companies that still provide good deals to high-risk drivers. There are also some other things that affect your car insurance rates:
- Local population density
- Accident record
- Recent tickets
- The type of car you drive
- Other drivers on your policy
Finally, here are some discounts that you can get on Kemper car insurance coverage:
- Paid in full
- Prior insurance
- Renter’s insurance policy
- Bundle policies into Package Plus
- Anti-theft devices
- Away at school
- Driver training
- Good student
- Passive restraint/airbags
Getting A Kemper Auto Insurance Quote
You can get Kemper auto insurance quotes in a few different ways depending on the company that you go through. If you’re looking for high-risk insurance coverage in California, you’ll have to contact a Kemper Specialty California agent directly.
For high-risk coverage in other states, or for standard auto insurance, you can go through Kemper Direct and get a quote online. Whether you go through an agent or a website, you’ll need to provide the following:
- Your contact info and driving record
- The make, model, and vehicle identification number (VIN) of your car(s)
- Contact info and driving records of other people on your policy
- Your current insurance levels
Use our tool below or simply call our team at (855) 518-0148 to start comparing car insurance quotes:
Filing A Claim With Kemper
It’s relatively easy to file a claim for your Kemper auto insurance policy. You can choose one of three ways:
- Call a 24/7 claims phone number.
- Fill out an online form.
- Message a chatbot named Kemper Kay to file a claim.
Once you file a claim, you can use the Kemper Express Inspection app to upload photos and speed up the process.
As we mentioned at the beginning, people in California rated Kemper auto insurance below any other company on J.D. Power’s insurance study. That’s not a good sign. The study took into account shopping experience, claims process, customer service, and more. Unfortunately, Kemper doesn’t have enough customers in other states to make it onto other studies by J.D. Power.
Kemper Car Insurance Reviews
While the Kemper Corporation has a good rating from the BBB, customer satisfaction reviews shed a different light on the company. In fact, out of 28 total reviews, 27 gave the company 1 star. Here are a few examples from the company’s BBB customer reviews page:
“I have been waiting almost two months for an answer on whether or not my car will be fixed. They just ignore calls and emails. The managers are not helpful in any way. This insurance company is the worst I have ever dealt with.”
“This is the absolute worst insurance company in the world. It has been 30 days since an uninsured motorist hit me. Kemper is my insurance company and so far they have done nothing! They do not return calls no matter how many times you call or beg them to do so. They have simply horrible, horrible customer service.”
“Absolutely terrible claims service. Our vehicle was stolen, wrecked, and considered a total loss. It's been 3 months without resolution and a non-responsive claims representative. His manager doesn't even respond. Beyond frustrated at this point and will not be using them ever again.”
Our Verdict On Kemper Auto Insurance
While the number of negative reviews is concerning, Kemper car insurance could still be a decent solution for high-risk drivers and their families. However, drivers who don’t fit in that group can probably find better insurance by getting quotes from other auto insurance companies.
Top Recommendations For Car Insurance
A simple online search for car insurance reveals hundreds of companies. It’s always a good idea to get multiple quotes each time you shop, but no one has time to check out that many different companies.
We know that shopping for car insurance can be a pain, so we’ve reviewed and ranked a number of the best car insurance companies on the market. We only recommend car insurance companies that perform well across multiple categories like price, customer service, financial strength, and industry reputation. Here are two companies that we like.
Progressive Auto Insurance: 4.5 Stars
Progressive is the third largest auto insurance company in the country, and it has an A+ financial rating from AM Best. One of the things we like about Progressive is the Snapshot program. This program tracks your driving with an app or a plug-in device and can give out some nice discounts. That means teens, drivers with poor histories, and other high-risk drivers can try to lower their premiums with the program. But consider yourself warned – if you aren’t a good driver, the program can raise your rates, too.
In our review of Progressive car insurance, we gave the company 4.5 stars overall. Looking across different sources, we found that Progressive’s customer service deserved a B+ rating. Make sure to check for discounts when you reach out for a quote.
State Farm Auto Insurance: 4.5 Stars
State Farm auto insurance is the largest car insurance provider in the nation and offers a wide range of coverage options. People typically find affordable rates from State Farm since the company has a number of different discounts. State Farm also has a coverage option for high-risk drivers, plus it’s a great option for students.
The Steer Clear app helps young drivers learn road skills and gives out discounts upon completion. State Farm also gives a 20 percent discount to good students who qualify. The company has an A++ financial rating from AM Best and an A+ rating from the BBB.
To start comparing car insurance quotes, use the simple tool below or call our team at (855) 518-0148.
Read our other insurance articles: