Kemper
- Specializes in insurance for drivers other insurers may not cover.
- Can file an SR22 for you if you need one.
- Far more than the expected number of complaints to state regulators
- Very few coverage options.
NerdWallet's take on Kemper auto insurance
Kemper earned 3 out of 5 in our analysis for its poorly-rated customer experience, especially for the high number of complaints it receives for its size. Still, it’s a legit option that could help some drivers find the insurance they need.
Best for: Drivers who can’t get a policy with another insurer because of their record or credit history.
Not ideal for: Drivers who have no history of accidents, traffic violations or tickets.
Where Kemper car insurance stands out
SR-22 filing. Kemper will file an SR-22 certificate if you need to prove that you have auto insurance. This could be an essential service if your license has been suspended or you are considered a high-risk driver.
Insurance companies use terms like “nonstandard” or "high-risk" to refer to drivers who usually pay more for insurance. You might be in this category if you have had multiple car accidents or speeding tickets, a lapse in coverage or a serious offense like a DUI.
Discounts, including usage-based insurance. You could use Kemper’s long list of discounts,and its usage-based insurance program to lower your insurance rates. This might be important because Kemper’s rates are higher than average in the states where we have data.
Where Kemper car insurance falls short
Coverage options. Kemper offers rental car reimbursement coverage, but no other optional types of car insurance to improve a basic policy.
Customer experience. Kemper receives many more complaints from its customers than expected for its size. You might run into issues like slow claims service if you need to make a claim.
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How much does Kemper car insurance cost?
Kemper car insurance costs an average of $202 per month or $2,420 per year for a full coverage policy, according to our November 2025 analysis. That's compared to the national average of $2,300 per year.
For minimum coverage, which is the lowest amount of car insurance that a state requires, Kemper car insurance costs an average of $85 per month or $1,023 per year, according to our November 2025 analysis. The national average cost of minimum coverage is $52 per month, or $627 per year.
It’s always a good idea to compare insurance rates before you buy. What you pay depends on personal factors, like your vehicle, location, driving history and coverage, as well as other details that vary from driver to driver.
Kemper auto insurance rates by age
Your car insurance rates depend on your age as well. When you’re young and have less experience than most older drivers, you’ll pay more for car insurance. As you get older, your rates will likely get close to average as long as you keep a clean driving record.
While rates are most expensive for young drivers, it may be much cheaper if they join an existing policy, like a parent or guardian’s.
Here are Kemper's average car insurance rates for drivers of different ages:
Young drivers. The average cost of Kemper car insurance for 20-year-old drivers is $4,296 per year, or $358 per month. The national average cost of car insurance for teens and young drivers is $4,684 per year, or $390 per month, for comparison.
Adult drivers. The average cost of Kemper car insurance for 40-year-old drivers is $2,373 per year, or $198 per month. That's compared to the national average for this age group, which is $2,232 per year, or $186 per month.
Senior drivers. The average cost of Kemper car insurance for 60-year-old drivers is $2,223 per year, or $185 per month. To compare, the national average cost of car insurance for senior drivers is $1,988 per year, or $166 per month.
- More Kemper auto rates by age
Age Company median rate National median rate 20 $4,296 $4,684 30 $2,461 $2,375 35 $2,420 $2,300 40 $2,373 $2,232 50 $2,308 $2,074 60 $2,223 $1,988 70 $2,505 $2,125
Kemper auto insurance rates by driver profile
Kemper specializes in car insurance for high-risk drivers, people whose records have made it hard to find a company that will offer them coverage. High-risk drivers may have multiple accidents or driving violations on their records, or a low credit score.
Poor credit. The average cost of Kemper car insurance for drivers with poor credit is $4,530 per year, or $377 per month. On average, the national average cost for someone with poor credit history is $3,850 per year, or $321 per month.
(California, Hawaii and Massachusetts don't allow insurers to use credit when determining car insurance rates.)
Speeding ticket. The average cost of Kemper car insurance after a ticket is $3,379 per year, or $282 per month. That's compared to the national average, which is $2,931 per year, or $244 per month.
At-fault crash. The average cost of Kemper car insurance after a crash is $3,803 per year, or $317 per month. Nationally, the average cost of car insurance after an accident is $3,405 per year, or $284 per month.
DUI. The average cost of Kemper car insurance for drivers with a DUI is $4,805 per year, or $400 per month. The national average cost of car insurance after a DUI is $4,265 per year, or $355 per month.
Kemper auto insurance discounts
Depending on your state, you may be able to save on auto insurance by:
Getting a quote ahead of the policy’s start date.
Having car insurance coverage before Kemper.
Paying your entire premium at the start of your policy.
Insuring more than one vehicle with Kemper.
Taking a course on defensive driving.
Being a student and keeping at least a “B” average in school.
Having a homeowners insurance policy with any insurer.
Being an active-duty member of the military or the National Guard.
If you’re looking for the cheapest auto insurance rates possible, you may want to buy the minimum amount of car insurance needed to drive in your state. If you can afford it, however, we recommend a policy with more coverage. With minimum coverage, you could be left without enough insurance to cover a serious accident.
Kemper car insurance coverage
Kemper's full coverage car insurance includes the standard types of coverage offered by most insurers:
- Liability insurance
Liability car insurance pays for others’ injuries or property damage you cause in a car accident, up to your auto policy limits. There are two types:
Bodily injury liability covers others’ medical expenses after an accident where you are at fault.
Property damage liability covers the repair costs to other vehicles, fences, mailboxes or buildings from an accident.
Is it required? Yes. Every state, except for Virginia and remote parts of Alaska, requires drivers to have a minimum amount of liability car insurance in order to drive legally.
- Personal injury protection
Also known as "no-fault insurance," PIP covers your own injuries and medical expenses after a crash, regardless of who's at fault, up to your policy limits. Depending on your state, PIP could also help pay for:
Lost wages if you're unable to work due to your injuries from a car accident.
Services you can't perform because of an accident, such as house cleaning or child care.
Funeral costs if an injury from an accident leads to death.
A small death benefit as a cash payout.
Is it required? Personal injury protection is required in the following states: Delaware, Florida, Hawaii, Kansas, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon and Utah.
- Medical payments coverage
Medical payments coverage, or MedPay, helps pay for your medical expenses or funeral costs after a car accident, no matter who's at fault, up to your policy limits. It also pays for medical bills if you or one of your family members is hit by a car while on foot, riding a bike or traveling as a passenger in someone else’s car.
Is it required? MedPay is required in Maine and New Hampshire, and can be purchased as an optional add-on in most other states. In a few states, MedPay can't be purchased because personal injury protection is required.
- Uninsured/underinsured motorist coverage
Uninsured and underinsured motorist coverage pays out if you're in an accident where the at-fault driver has no liability car insurance, or not enough to cover your injuries or property damage. It can also be used to pay for your passengers’ and household family members’ injuries.
Is it required? Uninsured/underinsured motorist coverage is required in Washington, D.C., and the following states: Connecticut, Illinois, Kansas, Maine, Maryland, Massachusetts, Minnesota, Missouri, Nebraska, New Hampshire, New York, North Carolina, North Dakota, Oregon, South Carolina, South Dakota, Vermont, Virginia, West Virginia and Wisconsin.
- Collision insurance
Collision insurance reimburses you to fix or replace your car if you crash into another car or object. It can also pay for hit-and-runs, rollovers and damage caused by uninsured or underinsured drivers.
Collision insurance becomes less useful the older your car is. That's because it reimburses you for repairs only up to the actual cash value of your car, minus your deductible.
Is it required? Collision insurance isn't mandatory in any state, but most lenders require it if you finance or lease your car. And when you buy collision insurance, you'll likely have to also get comprehensive insurance, which pays for damage to your car from non-traffic-related causes.
- Comprehensive insurance
Comprehensive insurance reimburses you to fix or replace your car after non-traffic-related causes, such as:
Weather events, like hail, floods or tornadoes.
Falling objects, such as tree limbs.
Fire or explosions.
Hitting an animal.
Car theft and broken windows.
Earthquakes.
Vandalism or civil disobedience, such as a riot.
Comprehensive insurance becomes less useful the older your car is. That's because it reimburses you for repairs only up to the actual cash value of your car, minus your deductible.
Is it required? Comprehensive insurance isn't mandatory in any state, but most lenders require it if you finance or lease your car. And when you buy comprehensive insurance, you'll likely have to also get collision insurance, which pays for damage to your car from traffic-related causes.
Optional coverage
Kemper offers only a couple of types of optional car insurance, but they could be useful if you drive every day or you have a suspended license.
SR-22 filing. Kemper will file an SR-22 for you if you need it to reinstate your license after a suspension. An SR-22 isn’t a type of insurance coverage, it’s a document that proves that you have insurance coverage.
Who might need it? You will need to find an insurance company that files SR-22s for you if the state where you live requires one before you can drive again.
Rental car reimbursement. If your regular car is damaged and needs repaired, rental car reimbursement would help you pay the cost of a replacement rental while your car is in the shop.
Who might need it? You may need rental car reimbursement if you depend on your car for work or school. If you have another means of transportation, you might be able to pass on it.
Kemper Co-Pilot program
You may be able to lower your car insurance rates with Kemper's usage-based car insurance program, Kemper Co-Pilot. Only new customers can sign up for Kemper Co-Pilot.
Kemper Co-Pilot tracks details about your driving, like your location, speed, acceleration, braking and cornering. You'll get a 10% discount just for signing up for Kemper Co-Pilot. This discount can carry over when you renew if you share details about your driving for 91 days.
Is Kemper a good insurance company?
Kemper is a company that’s worth considering if you can’t get coverage with another insurer. Kemper receives far more complaints from policyholders than expected for its size, according to data from the National Association of Insurance Commissioners.
Kemper is rated higher than average in the shopping part of J.D. Power’s Digital Experience survey, which measures how shoppers feel about an insurer’s online buying process. It’s not included in J.D. Powers Auto Insurance Shopping Study or Auto Insurance Claims Satisfaction Study.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.
More information about Kemper car insurance
There are a few ways that you can contact Kemper with questions about your policy or to make a claim.
Customer service: Call 800-782-1020 for customer service or 800-353-6737 for claims. You may also send an email to customer.service@ipacc.com for Kemper’s customer service, or by sending a message directly through the website.
Website: Kemper’s website lets you search for an agent, manage your policy and make a payment. You can also report a claim and find a repair shop if your car has been damaged.
Mobile apps: Kemper has a general auto insurance policy management app that allows you to view ID cards, view quotes, make payments, track claims and find agency contact info and more.
Other Kemper insurance reviews from NerdWallet
How we review auto insurance companies
Our editorial team considers these factors when reviewing auto insurance companies:
- Financial strength
We use AM Best ratings to confirm an insurer’s long-term financial stability and ability to pay claims. NerdWallet does not recommend companies with a rating lower than a B.
- Complaints
These ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. The best auto insurance companies have fewer than the expected number of complaints.
- Ease of use
This category looks at how easily consumers can interact with an insurer through its mobile app and website. This includes how much coverage information is offered online, whether a user can start and track a claim online and get a quote and mobile app scores based on the Apple and Google Play store ratings.
- Discounts
We look at the kind of discounts a company offers and the total number of discounts available.
Read our full auto insurance methodology.
We nerd out on car insurance
Our goal is to give you what you need to make smart decisions about your car insurance.
Here’s why you can trust NerdWallet:
We do our homework. We regularly evaluate and review many of the insurance companies we write about. And all of our content is fact-checked before publication. This means the star ratings you see on our reviews are accurate and up-to-date.
We analyze the data. We update our average car insurance rates every month. To do that, we analyze more than 500 million rates from across the country. These rates are provided by Quadrant Information Services.
We are unbiased. NerdWallet’s content is never influenced by our business partners and advertisers. Learn more about how we write in our editorial guidelines.
Frequently asked questions
Does Kemper offer SR-22 insurance?
Does Kemper offer SR-22 insurance?
Yes. If you need insurance after a DUI or other serious violation, Kemper will provide an SR-22 form, which states often require as proof that you have insurance.
Is Kemper the same as Infinity?
Is Kemper the same as Infinity?
Kemper owns Infinity, a non-standard auto insurance company. Infinity no longer offers its own policies. Read NerdWallet's review of Infinity auto insurance.
How do I get a quote from Kemper?
How do I get a quote from Kemper?
You will need to contact an agent or call Kemper directly to get a quote.
Methodology
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2022-2024. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
Auto insurance ratings methodology
NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for auto insurance.
