Kemper Car Insurance Review 2025

3.9

Jerry’s Score

Our take

Kemper is relatively no-frills in its coverage offerings and discounts, but it may provide policies to drivers who struggle to get one elsewhere.

Pros

• Files SR-22 documents for drivers.
• High financial strength rating.

Cons

• Premiums may be high compared to other insurers.
• Many consumer complaints.

Kemper car insurance review

Jerry rates Kemper 3.9 stars out of 5. This score takes into account industry ratings, consumer ratings, financial strength and national complaint data.

Kemper can provide car insurance to drivers who may struggle to get a policy elsewhere, but rates may be high compared to some of its competitors. This insurer provides a somewhat limited list of discounts but boasts relatively good ratings from Jerry customers and a high financial strength rating.

Who is Kemper best for?

Because Kemper files SR-22 documents on behalf of its drivers, it may be a good choice for drivers whose licenses have been suspended and those who struggle to find coverage elsewhere. Specifically, Kemper can provide policies to people without an active driver’s license, which can be hard to find.

Kemper’s rates can be high compared to other insurers, according to Jerry’s quote data. It’s wise to check for quotes with multiple providers to find the most affordable policy, if you have more options.

How much does Kemper car insurance cost?

The average cost of state-mandated minimum car insurance with Kemper is higher than the national average, according to aggregate data collected from over 400,000 policies quoted to real customers via Jerry in 2024 from 24 different insurance companies.

Your premium is determined by a number of factors, including your age, location, the type and age of vehicle you drive, your driving record, other drivers on your policy, and the amount of coverage you want. Maintaining consistent insurance coverage is a bigger factor than you might think, and Kemper’s specialty offering policies to people with coverage lapses likely results in higher than average rates.

Kemper car insurance rates

Here’s a look at Kemper’s car insurance rates quoted for real Jerry customers:

Kemper car insurance discounts

Kemper has a limited list of discounts compared to some of its competitors. Policyholders can save by:

• Getting a quote before their current policy ends.
• Providing proof of insurance before getting a policy with Kemper.
• Paying the premium in full up front.
• Insuring multiple vehicles.
• Taking a defensive driving course.
• Insuring a full-time student with a GPA of 3.0 or higher.
• Being a military member.
• Having a homeowners insurance policy, even through a different insurer.

Does Kemper offer insurance based on driving behavior?

Yes. New policyholders can participate in Kemper’s Co-Pilot, a program that requires drivers to download a mobile app that tracks their driving behavior. Customers get an automatic 10% premium discount for enrolling, which rolls over each year they remain enrolled.

However, the insurer may use data about your driving behavior to price your policy when it renews, meaning your driving behavior could cause your rate to increase, even after the 10% discount is applied.

Kemper car insurance coverage options

Most insurers offer collision, comprehensive, liability for bodily injury, liability for property damage, medical expense, personal injury protection and uninsured/underinsured motorist coverages.

• Common coverages

  Coverage	Definition
  Collision insurance	An optional coverage type that pays to repair or replace your car if it’s damaged in a collision with another vehicle. You can only file an accident-related claim for your vehicle’s repairs if your policy has collision coverage.
  Comprehensive insurance	An optional coverage type that covers damage to your vehicle caused by non-collision hazards, such as car theft, falling tree branches, hail and other unexpected events.
  Bodily injury liability (BI)	Pays others’ medical costs in an accident you cause, up to your policy limits. It’s mandatory in most states.
  Property damage liability (PD)	Pays for repairs or replacements of any vehicles or objects you damage in a crash, up to your policy limits. It’s mandatory in most states.
  Personal injury protection (PIP)	Helps cover medical expenses for you and your passengers after a car accident, regardless of who caused it. This is required in some states.
  Medical payments	Additional coverage outside of PIP that pays for medical care for you and your passengers after an accident, regardless of who caused it. This is optional in most states.
  Uninsured/underinsured motorist coverage (UM/UIM)	Covers you, your passengers and any property damage in a case where the other driver is at fault but doesn’t have insurance, or carries insufficient coverage to pay for your costs. This is required in some states.

Kemper also provides the following types of coverage:

• Roadside assistance, which includes fuel delivery, towing, jump-starts and tire-change services if your vehicle is disabled on the road.
• SR-22 coverage for drivers with violations such as DUIs or driving without insurance, or those who have had their licenses suspended, revoked or canceled.

• NAIC

  Kemper had a higher-than-average consumer complaint index with the National Association of Insurance Commissioners (NAIC) between 2021 and 2023, meaning the insurer had more complaints than expected for a company of its size during that period.

  Qualitative rating	3-year consumer complaint index
  High	Above 1.5.
  Moderately high	1 to 1.5.
  About average	Near 1.
  Moderately low	1 to 0.5.
  Low	0.5 to 0.

  The NAIC is the member group for state insurance commissioners in the United States. It makes recommendations, analyzes insurer financial filings, maintains reporting and more for insurance regulators.

• CRASH Network

  CRASH Network, an automotive industry trade publication, gives Kemper a C- in its 2024 Insurer Report Card. The report card asks more than 1,000 collision repair professionals across the United States “how well an insurer’s claims handling policies, attitude and payment practices ensure quality repairs and customer service for motorists.” 

  Kemper was ranked No. 72 out of the 88 insurers rated.

  In 2024, the CRASH Network’s survey received responses from 1,134 repair professionals. Insurers that received a grade from at least 35 respondents were included in the 2024 report card. Read more about the report card methodology on the CRASH Network’s website.

• AM Best

  AM Best gives Kemper a financial strength rating of A-, which means the insurer has an excellent ability to pay out claims.

  AM Best is a credit rating agency that specializes in insurers’ ability to meet their financial obligations.

Kemper auto insurance customer reviews

Hundreds of Jerry customers who have used and reviewed Kemper’s auto insurance have rated the company well.

Jerry customer reviews

4.1

309 Reviews

5 Stars

56%

4 Stars

16%

3 Stars

14%

2 Stars

6%

1 Star

7%

How to contact Kemper

Kemper encourages prospective policyholders to contact a local agent for quotes and coverage information (https://www.kemper.com/get-started/find-an-agent). Policyholders can contact the company via the form on its website (https://www.kemper.com/about-kemper/contact-us).

Here are the phone numbers for Kemper.

Customer service: 800-353-6737.

Claims: 800-353-6737.

Methodology

We looked at over 400,000 actual policies quotes from real Jerry customers during 2024 across 24 different insurance companies. The pricing data included both those with clean driving records as well as those with a violation. 

How we rate car insurance companies

Jerry’s team of car insurance expert writers and editors analyze real customer ratings and industry reports to get a holistic view of an insurer’s performance. Our rubric emphasizes the shopping and claims experiences, customer complaints and reviews, repair shops’ evaluations of insurers, policy and quote pricing, and state availability.

We regularly reassess insurers’ star ratings and fact-check these reviews to ensure they’re accurate and up-to-date.
These individual factors roll up into one weighting system as follows:
20% Financial strength.
20% Complaints.
20% Industry ratings.
20% Customer ratings.
20% Cost and discounts.

MEET OUR EXPERTS

Annie Millerbernd

Annie is a writer and editor at Jerry and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.

Lacie Glover

Lacie Glover is a Lead Writer and Editor with sixteen years’ experience in the insurance category. Prior to Jerry, she spent more than a decade on NerdWallet’s content team writing, editing and then overseeing the auto insurance category, as well as dabbling in other insurance and automotive topics. Prior to her career in the online personal finance content space, Lacie spent time in the hard sciences, in clinical research and chemistry labs. She has a bachelor’s degree from Colorado State University.