Kemper Insurance Review 2022

Sarah SchlichterJan 14, 2022

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Insurance reviews

Kemper
  • Auto insurance

  • Homeowners insurance

  • Life insurance

The bottom line:

Kemper sells insurance to high-risk drivers who may struggle to find coverage, but has far more complaints than similar-sized companies.

Pros

  • Can get an SR-22 if you need one.
  • Many coverage types available.

Cons

  • Far more than the expected number of complaints about auto insurance to state regulators.
  • Mobile app isn’t available for all policyholders.
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Auto insurance review

Kemper Auto Insurance

Kemper Auto Insurance

3.0

NerdWallet rating 
NAIC complaints

Far more than expected

Ease of use

Below average

Discounts

Average set of discounts

Kemper is best known for providing auto insurance for high-risk drivers, but the company also offers an array of other coverage, including homeowners, life and supplemental health insurance. Auto insurance policies are available in most states through independent agents.

If you’ve had trouble getting auto insurance elsewhere because of poor credit or your driving record, Kemper may be worth a look. It’s a popular choice, ranking slightly below the top 10 biggest car insurance companies at No. 12. But be aware that not all of its customers are happy with the experience. For its size, Kemper receives far more than the expected number of consumer complaints to state regulators.

Kemper auto insurance coverage

When you’re shopping for car insurance, it’s important to understand what car insurance coverage you want and what you’re required to buy. Most states require car insurance in order to drive a vehicle. Although minimum coverage requirements vary from state to state, they generally include liability insurance and uninsured or underinsured motorist coverage.

If you want extra protection, you may be interested in full coverage insurance. Full coverage isn’t a specific policy type; it's a combination of coverage types, like liability, collision and comprehensive insurance.

Check out the most common types of car insurance coverage below to see how they work:

Coverage type

What it pays for

Required?

Bodily injury and property damage liability

Costs for injuries, deaths or property damage from an accident you caused.

Typically required.

Uninsured or underinsured motorist coverage

Medical and property damage costs after an accident with a driver who has insufficient insurance or none at all.

Often required.

Collision coverage

Repair expenses from traffic-related accidents, regardless of who's at fault.

A car loan or lease may require it.

Comprehensive coverage

Repair costs from events outside of your control, including weather events, hitting an animal while driving, theft and vandalism.

A car loan or lease may require it.

Kemper auto insurance options vary by state. High-risk drivers buying nonstandard insurance from Kemper may have different coverage options than those buying standard policies.

For high-risk drivers, Kemper offers:

  • SR-22 availability. States often require an SR-22 form to prove you have insurance after a DUI or some other serious violation.

  • Insurance for salvaged vehicles. Kemper will insure most “salvage title” vehicles that were rebuilt after being totaled in an accident.

Options for Kemper’s standard auto policies include:

  • New car replacement. If your new car is seriously damaged in a covered accident, Kemper’s new-car replacement coverage will pay to repair or replace it (whichever costs less), even if it’s more than the actual cash value of the car.

  • Gap insurance. If your vehicle is totaled, this will cover the difference between your car’s actual value and the amount you owe on your loan or lease.

  • Enhanced coverage. This package of extra coverage options includes accident forgiveness, a waiver of your deductible if your car is damaged while parked, a diminishing deductible credit if you drive safely, and coverage for personal property in your vehicle. The package also covers the replacement of a key or entry transmitter device, and expenses if a trip is interrupted by a covered accident.

Auto insurance discounts

Kemper’s auto insurance discounts vary by state and type of policy. You may be able to save money by:

  • Insuring more than one car.

  • Owning a home.

  • Paying your full insurance premium upfront.

  • Having good grades, if you or someone insured on your policy is a student.

  • Completing a course in defensive driving or accident prevention.

  • Being covered with a previous insurer before switching to Kemper.

  • Getting a quote in advance of the policy’s effective date.

  • Being an active-duty member of the military or National Guard.

  • Having an anti-theft device in your car.

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Auto insurance buying guide

Before you compare car insurance companies, you’ll need to collect some basic information. This includes the driving history of everyone who will be on the policy, as well as facts about your car, such as safety features and annual mileage driven. You’ll also want to determine which types of coverage you need. For example, do you want only the bare minimum insurance that your state requires, or do you need more extensive coverage, such as gap insurance or rideshare coverage? Check that each company you’re considering has the options you want.

When comparing rates among insurers, make sure each is offering the same coverage limits and deductibles. You may not want to make your decision based on price alone. Look at how many consumer complaints each company has, as a high number of complaints could be a red flag about the quality of service you'll receive.

Depending on which company you choose, you may be able to buy insurance online, over the phone or through an agent. For more guidance, see how to get car insurance.

Homeowners insurance review

Kemper Home Insurance

Kemper Home Insurance

3.5

NerdWallet rating 
NAIC complaints

More than expected

Coverage options

About average

Discounts

Average set of discounts

Kemper home insurance coverage

Homeowners insurance from Kemper includes standard home coverage and a variety of additional options:

  • Contents replacement coverage pays for brand-new belongings (rather than the depreciated value of lost belongings) if yours are stolen or ruined for a covered reason.

  • Identity fraud coverage will reimburse certain expenses if you're a victim of identity theft.

  • Water backup coverage pays for damage associated with the backup of sewers or drains.

  • Equipment breakdown coverage pays out if appliances or major household systems break down.

  • Valuable items coverage lets you put extra insurance on specific items with no deductible, though you may need appraisals for high-dollar items. You can also opt for blanket coverage for your valuables, which raises your coverage limit across the board for expensive items rather than insuring them individually.

  • Blanket property limit allows your various types of property coverage to be combined into one higher limit that can be paid out if you have a claim in a particular category. For example, you might have the structure of your home covered for $300,000 and your “other structures” (such as a shed) covered for $30,000. If your shed burned down but the house wasn’t affected, the blanket property limit would give you up to an extra $300,000 of coverage to put toward the rebuilding of your shed if the "other structures" coverage fell short.

Home insurance discounts

If you buy both auto and homeowners insurance from Kemper, you may get a discounted package that includes a single deductible and bill.

You may also qualify for discounts for:

  • Being an active or retired member of the military, or a cadet at a military academy.

  • Having safety features such as fire alarms, smoke detectors, an automatic gas shutoff or a whole-house water leak protection system.

Life insurance review

Kemper Life Insurance

Kemper Life Insurance

3.0

NerdWallet rating 
Financial strength rating

Strong

NAIC complaints

Far more than expected

Policies offered

Term & permanent

Online purchase

No

Kemper offers whole life, term life and guaranteed issue life insurance. Not all types of policies are available in all states.

To get more details about coverage options and discounts, see our Kemper life insurance review.

Complaints and customer satisfaction

Relative to its size, Kemper has more than the expected number of complaints to state insurance regulators for homeowners insurance and far more than the expected number of complaints for auto and life, according to three years’ worth of data from the National Association of Insurance Commissioners.

Kemper ranked last out of 18 companies in J.D. Power's 2021 U.S. Auto Claims Satisfaction Study.

More about Kemper insurance

  • Website: Kemper’s website lets you search for an agent, manage your policy, retrieve a saved quote and make a payment. You can also report a claim and find a repair shop if your car has been damaged. Some users may be able to get a quote online as well.

  • Mobile apps: Kemper Photo Claims is available for both Apple and Android devices. If your adjuster approves, you can use the app to upload photos of damage to your car after an accident to speed up the settlement of your claim. Kemper also has a general auto insurance policy management app that allows you to view ID cards, make payments, track claims and find agency contact info.

Other insurance from Kemper

Besides auto, home and life insurance, Kemper also offers the following policies:

  • Renters.

  • Condo.

  • Mobile home.

  • Flood.

  • Umbrella.

  • Business.

  • Supplemental health.

Kemper sells the following policies through third parties:

  • Motorcycle.

  • ATV.

  • RV.

  • Boat.

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.

Home insurance ratings methodology

NerdWallet’s homeowners 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, coverages, discounts, online experience and more. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. 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.

Life insurance ratings methodology

NerdWallet’s life insurance ratings are based on consumer experience, complaint index scores from the National Association of Insurance Commissioners for individual life insurance, and weighted averages of financial strength ratings, which indicate a company’s ability to pay future claims. Within the consumer experience category, we consider ease of communication and website transparency, which looks at the depth of policy details available online. To calculate each insurer’s rating, we adjusted the scores to a curved 5-point scale. 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.

Insurer complaints methodology

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2018-2020. 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. Ratios are determined separately for auto, home (including renters and condo) and life insurance.

Frequently asked questions