Kemper Insurance Review 2023
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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 & Cons
- Can get an SR-22 if you need one.
- Many coverage types available.
- Far more than the expected number of complaints about auto insurance to state regulators.
- Mobile app is rated poorly by consumers.
If you’ve had trouble getting auto insurance elsewhere because of poor credit or your driving record, Kemper may be worth a look. The company is known for providing auto insurance for high-risk drivers, and its policies are available in most states through independent agents. You can also get homeowners, life and supplemental health insurance through the company.
But while Kemper is a popular choice — it’s the 11th biggest insurer in the country, according to the National Association of Insurance Commissioners —, not all of its customers are happy with their experience. For its size, Kemper receives far more than the expected number of consumer complaints to state regulators.
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Kemper auto insurance coverage
When you're shopping for car insurance coverage, it's important to understand what car insurance coverage you want and what you’re required to buy. For instance, most states require a minimum amount of car insurance to drive a vehicle. Alternatively, if you want extra protection, you may be interested in full coverage insurance. Read about the most common types of car insurance coverage to see how they work.
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 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 if your car is stolen. It also covers the replacement of a key or entry transmitter device, as well as expenses if a trip is interrupted by a covered accident.
» MORE: Compare car insurance rates
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.
First time shopping for auto insurance? Unsure of where to start? Check out our guide on how to shop for car insurance.
Kemper home insurance coverage
Homeowners insurance from Kemper includes standard home coverage and a variety of additional options, including:
Contents replacement coverage, which 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, which will reimburse certain expenses if you're a victim of identity theft.
Water backup coverage that pays for damage associated with the backup of sewers or drains.
Equipment breakdown coverage that pays out if appliances or major household systems break down.
Valuable items coverage, which 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, which 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 ad your “other structures,” such as a shed, covered for $30,000. If your shed burned down but the house wasn’t affected, and the “other structures” coverage on the shed wasn’t enough to rebuild it, the blanket property limit would give you up to an extra $300,000 to get the job done. it..
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 on your home insurance 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.
Complaints and customer satisfaction
Kemper had far more than the expected number of complaints about auto insurance to state regulators relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners.
Kemper ranked last out of 21 companies in J.D. Power's 2022 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.
Mobile apps: The Kemper Photo Claims app is available for both Apple and Android devices. If your adjuster approves, you can use it 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.
Life insurance from Kemper
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.
Other insurance from Kemper
Besides auto, home and life insurance, Kemper also offers the following policies:
Kemper sells the following policies through third parties:
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2019-2021. 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.
Frequently asked questions
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.
Kemper owns Infinity, a separate brand that sells auto, home and business insurance in California. Read NerdWallet's review of Infinity auto insurance.
You will likely need to contact an agent or call Kemper directly to get a quote.