Kemper is an accredited company and has been in business for over 100 years, according to the Better Business Bureau. The insurer is known to serve high-risk drivers and offers a handful of discounts to make policies more affordable.
Pros: Positive Kemper reviews focus on flexible plan features and pricing transparency. Most Kemper customers report:
- Low rates, even for full coverage.
- A loyalty rewards program.
- Flexible plan features.
Cons:
- Steep prices for young drivers.
- Problems with the claims process.
- Issues with the mobile app.
Is Kemper the right insurance company for you?
Kemper is primarily known as a solid car insurance company for high-risk drivers (e.g., those with violations like DUIs).
Keep in mind: Not all drivers with violations will find the best rates with Kemper. While the company is known for offering quality auto policies to high-risk drivers, you may find a better rate with another agency.
Kemper writes insurance policies in all 50 U.S. states and offers 24/7 claims service. Its insurance products range from standard auto, renters, and homeowners insurance to specialty coverages like flood and RV protection.
Kemper holds an A- rating from AM Best, indicating a strong ability to pay out claims, but the company has a below-average score with Clearsurance, which collects consumer reviews. The insurer’s mobile app has low ratings on the Apple App Store and Google Play.
Across hundreds of real reviews by Jerry customers, the insurer has generally gotten good ratings, though it performs slightly worse than some of its competitors.
How Jerry customers rate Kemper
Find real Kemper car insurance quotes
To help you better understand how your driver profile might affect your rates, here are some of our recent quotes from Kemper:
Keep in mind: Car insurance rates are different for everyone. Like all insurance agencies, Kemper calculates insurance premiums based on:
- Gender.
- Age.
- Driving record.
- Insurance history.
- ZIP code.
- Driving experience.
- Type and amount of coverage.
- Vehicle make, model, and year.
Kemper car insurance discounts
Kemper offers a standard range of discounts. Car insurance discounts are important tools for drivers looking to save money on their premium costs.
Some of Kemper’s discounts include:
- Advance quote discount: Provides a discount for moving forward with a quote prior to its effective date.
- Proof of prior insurance discount: Gives a discount for showing proof of previous auto insurance.
- Paid-in-full discount: Provides a lower rate when you pay your premium upfront instead of in monthly payments.
- Multi-car discount: Gives a discount for insuring more than one vehicle on the same policy.
- Defensive driving course discount: Drivers who take a defensive driving course may be eligible for discounted premiums.
- Good student discount: Gives a discount to full-time students with 3.0 or higher GPAs.
- Military discount: Provides a lower rate to active-duty military and National Guard members.
- Homeowner discount: Provides a discount when you insure your home and car on the same policy.
The insurer may also offer discounts for installing vehicle safety devices or enrolling in a usage-based policy. Discount options change over time, so it’s best to visit the Kemper website or contact an insurance agent to get the most up-to-date discount information.
Kemper coverage options
Car insurance requirements vary by your state and individual profile. Some of the common types of car insurance Kemper offers include:
- Liability insurance: Required by most states, liability insurance covers damages you cause to others’ personal property in an at-fault accident. It typically includes bodily injury liability and property damage liability coverage.
- Comprehensive coverage: Comprehensive insurance protects your vehicle if it’s damaged by something other than a collision, like theft, vandalism or extreme weather.
- Collision coverage: Collision insurance pays for damages caused by accidents.
- Medical payments (MedPay): MedPay covers medical bills for you and your passengers following an accident.
- Underinsured/uninsured motorist coverage (UM/UIM): This insurance covers medical bills and car repairs if you’re in an accident with a driver who has insufficient insurance coverage.
In addition to standard car insurance options, Kemper also offers additional auto insurance coverage types, including:
- Kemper Prime auto enhanced: This coverage includes accident forgiveness and diminishing deductibles for safe driving. It also includes a waiver for your first accident or minor violation, trip interruption expenses and keyfob replacement.
- Kemper total: This policy is designed for new cars and will repair or completely replace your vehicle.
- Auto loan/lease coverage: Also known as GAP insurance, this protection covers the difference between your car’s actual cash value and what you owe on a loan or lease in the event of a total loss.
Kemper’s additional tools and services
Kemper offers a mobile app where policyholders can manage their policies, make payments, view ID cards, find repair shops and submit claims.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 18,000 customers surveyed and 120 carriers reviewed in the past 18 months). We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record. For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
