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Kemper Insurance review 2024

Shannon Martin is a licensed insurance agent and Bankrate analyst with over 15 years of experience in the industry. She enjoys helping others navigate the insurance world by cutting through complex jargon and empowering readers to make strong financial decisions independently.

Maggie Kempken is an insurance editor for Bankrate. She helps manage the creation of insurance content that meets the highest quality standards for accuracy and clarity to help Bankrate readers navigate complex information about home, auto and life insurance. She also focuses on ensuring that Bankrate’s insurance content represents and adheres to the Bankrate brand.

Maggie Kempken is an insurance editor for Bankrate. She helps manage the creation of insurance content that meets the highest quality standards for accuracy and clarity to help Bankrate readers navigate complex information about home, auto and life insurance. She also focuses on ensuring that Bankrate’s insurance content represents and adheres to the Bankrate brand.

The Bankrate promise

At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict editorial integrity, this post may contain references to products from our partners. Here's an explanation of how we make money. Our content is backed by Coverage.com, LLC, a licensed entity (NPN: 19966249). For more information, please see our Insurance Disclosure.

At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict editorial integrity, this post may contain references to products from our partners. Here's an explanation of how we make money. Our content is backed by Coverage.com, LLC, a licensed entity (NPN: 19966249). For more information, please see our Insurance Disclosure.

Editorial integrity

Bankrate follows a strict editorial policy, so you can trust that we’re putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions.

We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers.

Bankrate’s editorial team writes on behalf of YOU — the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information.

How we make money

You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey.

Bankrate follows a strict editorial policy, so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers.

We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money.

Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range, can also impact how and where products appear on this site. While we strive to provide a wide range of offers, Bankrate does not include information about every financial or credit product or service.

The Bankrate promise

Founded in 1976, Bankrate has a long track record of helping people make smart financial choices. We’ve maintained this reputation for over four decades by demystifying the financial decision-making process and giving people confidence in which actions to take next.

Bankrate follows a strict editorial policy, so you can trust that we’re putting your interests first. All of our content is authored by highly qualified professionals and edited by subject matter experts, who ensure everything we publish is objective, accurate and trustworthy.

Our insurance team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer service, policy features and savings opportunities — so you can feel confident about which provider is right for you.

All providers discussed on our site are vetted based on the value they provide. And we constantly review our criteria to ensure we’re putting accuracy first.

At a glance

Score breakdown

Auto

3.3

Cost & ratings

2.5

Coverage

4.5

Support

3

Home

3.2

Cost & ratings

4

Coverage

4.3

Support

3.8

About Bankrate Score

Bankrate's take

Kemper Auto may be the carrier of choice for high-risk drivers or drivers with an alternative form of a driver’s license.

Who Kemper may be good for: Kemper may be a good choice for drivers with a challenging driving record, lapses of insurance coverage or international driver's licenses.

Who Kemper may not be good for: Since Kemper Auto is a nonstandard auto insurer, drivers who qualify for preferred placement will likely find a policy with more benefits with a different provider.

New

In early August of 2023, Kemper Corporation announced that one of its subsidiaries, Kemper Personal Insurance, which provides both home and auto insurance for standard and preferred customers, is canceling and nonrenewing preferred policies immediately. Kemper stated they will follow state regulations, meaning most customers will receive a nonrenewal letter 30 to 60 days before their renewal date and will have to find home and auto coverage elsewhere. Infinity, Kemper’s nonstandard auto company in California, will transition to Kemper Auto. Kemper Life should not be impacted.

Is Kemper insurance still available?

Insurance is still available under Kemper Auto for drivers who need nonstandard auto insurance. Additionally, life insurance is available through Kemper Life. Insurance under Kemper Personal Insurance, which provided home and auto coverage for standard and preferred customers, is no longer available as of August 2023.

Kemper Auto car insurance

Bankrate’s insurance editorial staff used their decades of combined industry experience to conduct an in-depth evaluation of Kemper insurance. After our study, we issued Kemper car insurance a Bankrate Score of 3.3 out of 5. The factors leading to the company’s score include its  higher-than-average premiums and relatively low third-party customer service scores. With Kemper Personal Insurance canceling and nonrenewing preferred auto policies, Kemper Auto remains a good choice for many customers, including drivers struggling to find an insurer due to blemishes on their driving record.

Although Kemper is licensed to do business in all 50 states and Washington, D.C., product availability may vary by state. Kemper also uses several underwriting companies for its auto insurance, so you may see a different company name listed on your policy. Additionally, Kemper received the lowest score in the 2022 J.D. Power U.S. Auto Claims Satisfaction Study, which could indicate that customers tend to have a poor claims experience.

Coverage options with Kemper Auto are limited, but the policy may still be the best car insurance option for some drivers. If you have a suspended license or need an SR-22 form, Kemper Auto could provide you coverage. The nonstandard program also writes coverage for drivers with international licenses, state IDs and Matrícula Consular identification cards from Mexico.

Pros and cons of Kemper Auto car insurance

If deciding between Kemper Auto car insurance and other carriers, it can be helpful to note where the company stands out and where it may fall short as a start. Bankrate has summarized Kemper car insurance below to help your comparison and aid in your decision on whether to pursue a car insurance quote:

SR-22 filing available

Accepts drivers with international driver’s licenses, state IDs and Matrícula Consular identification cards from Mexico

Annual policies

Endorsement options are not as unique compared to other carriers

Depending on individual circumstance, your auto policy may be underwritten by a partner company and not Kemper itself

Ranked last in the 2022 J.D. Power U.S. Auto Claims Satisfaction Study

Kemper Auto car insurance cost

Kemper’s average auto insurance rates are generally higher than the national average. Full coverage costs an average of $2,662 annually with Kemper versus $2,014 per year nationally. Minimum coverage with Kemper averages $1,150 per year, which is significantly more than the national average of $622. However, keep in mind that these Kemper averages include both standard and nonstandard drivers, so they may change once preferred drivers are no longer a factor. Getting a quote is the best way to determine how much you’ll pay for Kemper car insurance.

Drivers with a history of accidents or ticket convictions may find getting cheap car insurance more difficult to shop for than drivers with a clean driving record. Although Kemper’s average rates are higher than the national average both before and after driving incidents, the company does offer coverage for drivers with a DUI, which may be helpful for drivers who can’t secure coverage from a standard provider.

Drivers with international licenses usually have trouble obtaining coverage since providers cannot access their driving history. Not having a driving history to pull from may increase your rates, but Kemper states they offer coverage for drivers with state IDs and international licenses. Once Kemper Personal Insurance completes its withdrawal from the preferred market, the rates below may change.

*All rates displayed are average annual rates.

When it comes to car insurance, age is an important factor to car insurance companies. Young drivers have fewer years of driving experience when compared to older, more experienced drivers. They also have a higher likelihood of filing claims, all of which leads to more expensive car insurance rates. However, Bankrate’s study of average car insurance rates found that rates trend downward as drivers get older. Below is a comparison of current car insurance rates from Kemper by age, with some on a parent’s policy and others on a separate policy, but all are based on a clean driving record. Again, these rates may change over the coming months.

*All rates displayed are average annual rates.

*All rates displayed are average annual rates.

Kemper car insurance discounts

Kemper offers several savings opportunities that may help policyholders save on their car insurance. Some of Kemper’s car insurance discounts include savings for getting a quote before your prior policy ends, being a member of the military, having prior insurance and taking a defensive driving course. None of the discounts are particularly unique, but they may still help you lower your premium.

Get personalized auto insurance quotes

Powered by Coverage.com (NPN: 19966249)

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Kemper home insurance

Kemper was previously a good home insurance company option for homeowners looking for a simplified shopping experience that included some options for personalization. Kemper home insurance came in three packages: Kemper Prime Home Essentials, Kemper Prime Home Enhanced and Kemper Prime Home Elite. The Essentials package was the most basic, and the Elite package was the most robust, but each option had a set of endorsements to get more financial protection. Since Kemper Personal is shutting down its preferred businesses, this includes its homeownership division. Since this is a recent development, many homeowners will have Kemper policies for almost a full year before needing to find a replacement.

Kemper home insurance was underwritten by a number of companies, which means options varied based on the underwriting company that your policy was assigned to. However, Kemper does note that it offered optional coverage like scheduled personal property, equipment breakdown, identity fraud expense and water backup coverage. While these options were helpful, Kemper doesn’t list nearly as many endorsements on its website as many of its competitors.

The lack of endorsement options was one of the reasons why Kemper’s home insurance product earned a Bankrate Score of 3.2 out of 5.

Pros and cons of Kemper home insurance

Comparing home insurance companies is part of the process when it comes to finding the cheapest home insurance to fit your needs. To help simplify the process and give you direction on where to obtain home insurance quotes for the future, here’s an overview of Kemper’s previous homeowners insurance offerings:

Simplified shopping experience through its tiered packages

Optional coverage like identity fraud and equipment breakdown coverage available

Average home insurance rates may be cheaper than the national average

No longer available to new customers

Each partner company may have its own eligibility requirements

Endorsements may not be as extensive as other carriers

Kemper home insurance cost

Unlike its auto insurance, Kemper home insurance was competitively priced. On average, a policy with $250,000 in dwelling coverage costs $873 per year, whereas the national average cost for home insurance is $1,428 for the same coverage. However, Kemper’s policies may have fewer options for personalization than its competitors, which may be a tradeoff considering its low average premiums.

*All rates displayed are average annual rates.

Kemper home insurance discounts

Kemper did offer a few home insurance discounts, including savings for military members, alarm systems, safety devices and bundled policies. While none of these savings opportunities stand out as unique to Kemper, they could still lower your rate.

Get personalized home insurance quotes

Answering a few quick questions to check your availability with Kemper

Powered by Coverage.com (NPN: 19966249)

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Leaving so soon? Your custom quotes are just minutes away.

Kemper life insurance

Kemper offers life insurance through Kemper Life, with various police type options.

Pros and cons of Kemper life insurance

Kemper offers several life insurance options, such as whole life, term life, guaranteed issue and accidental and health coverage. While it didn’t make our list of best life insurance companies, they have many options and could be of interest if you already have a Kemper Auto policy.

Guaranteed issue life insurance requires no medical exam or questions

Riders available to personalize life insurance policies

Option to convert a term life insurance to whole life insurance policy may be available

Life insurance not underwritten by Kemper, so may require additional research

Eligibility may vary by company

Limited information available online

Kemper life insurance endorsements

Kemper does not provide much information about its endorsements online, but it does mention that riders are available for its whole life insurance plans. You can contact a Kemper agent for life insurance quotes and more information on endorsement options.

Compare life insurance providers quickly and easily

See which provider is right for you.

Whole life insurance combines life insurance with an investment component.

Term life insurance is precisely what the name implies: an insurance policy that is good for a specific term of time.

Powered by Coverage.com (NPN: 19966249)

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Compare Kemper with other insurers

When looking for the right home, life or car insurance company, comparing car insurance quotes from several carriers is usually helpful. This allows you to compare multiple facts about each insurer to find the best option. Kemper may be one of the best car insurance companies for high-risk drivers, but for current policyholders who cannot keep their Kemper policies, it can help you find a company with similar rates and coverage that you currently enjoy. Some similar companies to consider include:

Kemper

Direct Auto

Farmers

Geico

Is Kemper a good insurance company?

If you are interested in Kemper Auto, Bankrate’s Kemper Auto Insurance review may help you decide if you should seek out quotes from this lesser-known company. Our insurance editorial team has nearly 50 years of insurance industry experience, and we’ve compared more than 120 insurance carriers to find which ones are the very best.

Kemper Auto is notable for offering car insurance options for high-risk drivers and those without drivers’ licenses, so it could be a good option for those with less-than-perfect driving records. Depending on the policy type, drivers may be able to access more coverage options, but it comes down to what they are eligible for. Kemper is licensed in all 50 states and Washington, D.C., but not all products are available in all areas. Additionally, not all policy types, including life insurance, are underwritten by Kemper, so further research may be necessary if you want to have all of your insurance needs handled in one place.

Kemper Auto customer satisfaction

When considering one insurance company over another, one factor you may want to think about is its customer satisfaction. While you can ask friends and family for their experience, you can also reference third-party ratings from agencies like J.D. Power and AM Best, which carry out studies and release reports about customers’ satisfaction with their insurance company and historical financial strength, respectively. J.D. Power ranks satisfaction by giving a score based on a 1,000-point scale. Kemper came in at the bottom of the list with a score of 820 in the 2023 J.D. Power study. It ranked below the industry average for shopping and did not rank for service in the 2023 J.D. Power Digital Experience Study.

Kemper homeowners insurance did not rank in the 2023 J.D. Power Home Insurance Study or its 2023 U.S. Property Claims Satisfaction Study. However, this is not surprising as it generally does not underwrite its own home insurance policies.

AM Best has recently upgraded Kemper Corporation, its affiliates and subsidiaries from last year's ranking from negative to stable due to its gradual improvement. A.M. Best uses a standard letter scale from A to D.

Kemper car insurance came in last in the 2023 J.D. Power U.S. Auto Claims Satisfaction Study. This indicates that Kemper customers were generally less satisfied compared to other insurance companies when it came to repair processes, claims servicing and customer service during the claims process. J.D. Power does not distinguish between any of Kemper’s auto products.

Kemper Auto customer complaints

The National Association of Insurance Commissioners (NAIC) issues an annual complaint index report to track the amount of complaints lodged against insurance companies. The index employs a baseline of 1.0. Scores below 1.0 indicate that a provider had fewer complaints than expected for a company its size and scores above 1.0 indicate the opposite.

Kemper sees well above the average level of complaints for a company its size. However, it has shown steady improvement over the last three years, which may indicate that Kemper is aware of its customer’s dissatisfaction and is working to improve it.

Other Kemper tools and benefits

In addition to nonstandard auto insurance, Kemper offers a fire and contents policy through Kemper Life.

Frequently asked questions about Kemper

How do you file a claim with Kemper?

All claims, whether home, auto, including towing, glass and roadside assistance, as well as life insurance claims can be filed online through Kemper’s website. If you would like to call instead, you can call 1-​​866-536-7376 for Kemper Auto. Claim agents are available Monday through Sunday, from 7–12 a.m, Central Standard Time.

All claims, whether home, auto, including towing, glass and roadside assistance, as well as life insurance claims can be filed online through Kemper’s website. If you would like to call instead, you can call 1-​​866-536-7376 for Kemper Auto. Claim agents are available Monday through Sunday, from 7–12 a.m, Central Standard Time.

Does Kemper have a corporate sustainability policy?

Kemper has implemented corporate responsibility programs in several areas, focusing on education, health and community development. In 2022, the Kemper Foundation supported 287 organizations and boasted a total community impact of $3.3 million. Below are some of the key sustainability programs implemented by Kemper:

Kemper has implemented corporate responsibility programs in several areas, focusing on education, health and community development. In 2022, the Kemper Foundation supported 287 organizations and boasted a total community impact of $3.3 million. Below are some of the key sustainability programs implemented by Kemper:

When did Kemper go out of business?

Kemper Corporation has several subsidiaries and in August of 2023, it announced that one of its subsidiaries, Kemper Personal Insurance, would be withdrawing from the preferred auto and home market. While this is very different from going out of business, this action may put the rest of Kemper’s holdings in a stronger financial position. Policyholders impacted by this decision will be contacted by Kemper and should start looking for other coverage options immediately.

Kemper Corporation has several subsidiaries and in August of 2023, it announced that one of its subsidiaries, Kemper Personal Insurance, would be withdrawing from the preferred auto and home market. While this is very different from going out of business, this action may put the rest of Kemper’s holdings in a stronger financial position. Policyholders impacted by this decision will be contacted by Kemper and should start looking for other coverage options immediately.

Is Kemper associated with Infinity Insurance?

Yes, Kemper purchased Infinity in 2018 and rebranded it to Kemper Infinity. This relatively new subsidiary is geared to provide non-standard auto insurance and operates in 43 states. Under Kemper’s guidance, Infinity has become one of the largest non-standard auto insurance policy writers. Drivers who may not qualify for auto policies under other Kemper businesses may be able to find a policy through Kemper Infinity, as non-standard auto insurance is generally for those drivers who may have difficulty finding auto insurance due to accidents, tickets or other complications.

Yes, Kemper purchased Infinity in 2018 and rebranded it to Kemper Infinity. This relatively new subsidiary is geared to provide non-standard auto insurance and operates in 43 states. Under Kemper’s guidance, Infinity has become one of the largest non-standard auto insurance policy writers. Drivers who may not qualify for auto policies under other Kemper businesses may be able to find a policy through Kemper Infinity, as non-standard auto insurance is generally for those drivers who may have difficulty finding auto insurance due to accidents, tickets or other complications.

Bankrate utilizes Quadrant Information Services to analyze 2023 rates for ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on 40-year-old male and female homeowners with a clean claim history, good credit and the following coverage limits:

Auto

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our sample drivers own a 2021 Toyota Camry, commute five days a week and drive 12,000 miles annually.

Age: Rates were calculated by evaluating our base profile with the ages 16-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts.

The rates for drivers ages 16–20 added to their parents’ policy reflect the good student and driver's training discounts applied. The rates for drivers aged 18-20 on their own policy do not include the good student and driver's training discounts. Additionally, 25-year-old rates are based on the driver as a renter and 30+ on the driver as a homeowner. 

Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), single speeding ticket, single at-fault accident and a single DUI conviction.

Homeowners

The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).

These are sample rates and should be used for comparative purposes only. Your quotes will differ.

Bankrate Scores

Our 2024 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlight where they fall short.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.

Bankrate utilizes Quadrant Information Services to analyze 2023 rates for ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on 40-year-old male and female homeowners with a clean claim history, good credit and the following coverage limits:

Auto

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our sample drivers own a 2021 Toyota Camry, commute five days a week and drive 12,000 miles annually.

Age: Rates were calculated by evaluating our base profile with the ages 16-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts.

The rates for drivers ages 16–20 added to their parents’ policy reflect the good student and driver's training discounts applied. The rates for drivers aged 18-20 on their own policy do not include the good student and driver's training discounts. Additionally, 25-year-old rates are based on the driver as a renter and 30+ on the driver as a homeowner. 

Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), single speeding ticket, single at-fault accident and a single DUI conviction.

Homeowners

The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).

These are sample rates and should be used for comparative purposes only. Your quotes will differ.

Bankrate Scores

Our 2024 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlight where they fall short.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.

Shannon Martin is a licensed insurance agent and Bankrate analyst with over 15 years of experience in the industry. She enjoys helping others navigate the insurance world by cutting through complex jargon and empowering readers to make strong financial decisions independently.

Maggie Kempken is an insurance editor for Bankrate. She helps manage the creation of insurance content that meets the highest quality standards for accuracy and clarity to help Bankrate readers navigate complex information about home, auto and life insurance. She also focuses on ensuring that Bankrate’s insurance content represents and adheres to the Bankrate brand.

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