experts conducted one of the nation's most extensive reviews to collect car insurance information over 18 months. We surveyed over 18,000 policyholders from all 50 states, asking them about their experience with their insurance company’s customer service, renewal process, claims handling, and more.

Check out how our verified Kemper policyholders ranked Kemper:

4.1

254 Reviews

5 Stars

55.91%

4 Stars

17.72%

3 Stars

13.39%

2 Stars

6.69%

1 Star

6.3%

So, is Kemper a good insurance company?

For the most part, yes.

We analyzed over 200 reviews from actual Kemper customers. Of those testimonies, we found that more than 80% were positive, while only 8% expressed negative sentiments.

Looking at the national average of 64% positive reviews, it’s clear why our experts placed Kemper 16th in the country.

The good: Positive Kemper reviews focus on flexible plan features and pricing transparency. Most Kemper customers report:

Quality customer service

Low rates, even for

full coverage

An excellent loyalty rewards program

The other side: Negative Kemper insurance reviews tend to focus on steep prices for young drivers, problems with the claims process, and issues with the mobile app.

Jump to:

Kemper Car Insurance Reviews

Kemper Pros and Cons

Compare Kemper Quotes

Jerry asked policyholders to rate Kemper on its affordability, customer service, claims experience, and renewal process.

Check out how Kemper’s ratings stack up against the national average below:

Criteria	Kemper's Rating	Industry Average
Overall	4.1	4.1
Cost / Price	4.5	3.8
Claim Experience	3.5	3.5
Customer Service	4.2	4
Renewal Experience	4.8	4

Kemper serves millions of policies nationwide.

While evaluating Kemper’s pros and cons, we felt it was important to look at how other rating agencies graded the company in addition to our own survey data. Here’s how the country’s top rating agencies rank Kemper compared to the national average for other insurers:

Critera	Kemper	Score Out Of
BBB Rating	A+	A+
NAIC Rating	2.29	6
Clearsurance	2.89	5
A.M. Best Rating	B-	A++
IOS App Store Rating	1.4	5
Google Play Store Rating	2.3	5

Please note* that a greater NAIC score indicates increased risk.

Kemper car insurance reviews

We asked real policyholders to rate Kemper based on specific categories that interest us. But we also wanted to hear what they had to say about their experience! Check out some real reviews from actual Kemper customers:

Kemper pros and cons

Here are the pros and cons of buying an insurance policy with Kemper, based on our national auto insurance review and public, third-party ratings:

Pros

Phenomenal customer service

An excellent loyalty rewards program

Flexible plan features

Low rates for high-risk drivers

Cons

Many drivers are unhappy with Kemper’s claims process

A number of complaints express dissatisfaction with the Kemper website and mobile app

Is Kemper the right insurance company for you?

Kemper is primarily known as a solid car insurance company for:

High-risk drivers

(i.e., 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.

Click on the buttons below to see our breakdown of Kemper’s insurance services.

Is Kemper car insurance expensive?

While some drivers complain about policy costs, most policyholders praise the affordable rates and say they saved money after switching to Kemper.

According to our survey results, 30% of all Kemper reviews directly mention cost. Of the policyholders that mention cost, 74% are overwhelmingly positive, while only 18% are negative.

Based on a close analysis of each policyholder’s responses, we determined that Kemper offers fair rates for most driver profiles.

Kemper is ranked fifth overall for cost satisfaction compared to other companies of similar size. The company scores 4.5/5 stars for cost satisfaction, which is significantly higher than the national average of 3.8/5 stars. Here’s how Kemper compares to the other companies in our study:

Kemper Policy Cost Rating	Ranking	Industry Average
4.5	5	3.8

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

While each state allows insurance companies to base insurance costs on different rating factors, there are some general trends by state.

Kemper cost reviews

Check out what real Jerry users rated Kemper based on cost below:

Find real Kemper car insurance quotes

Jerry

can help you determine whether Kemper is the right choice for you. In just seconds, we can help you

compare auto insurance quotes

from Kemper and 55+ other insurers.

To help you better understand how your driver profile might affect your rates, here are some of our recent quotes from Kemper:

Premium (monthly)	Customer	Car	Insurance Coverage
$90	Matthew, 51 Mckinney, TX	Mitsubishi Mirage SE	• State Minimum Liability
$98	Paul, 35 Colorado Springs, CO	Nissan Titan SV	• 50,000/100,000 Liability
$215	Warren, 42 Lewisville, TX	Nissan Sentra S	• State Minimum Liability • Comp / Collision
$231	Lucile, 41 Louisville, KY	Dodge Dart SXT	• 50,000/100,000 Liability • Comp / Collision
$149	Katie, 37 West Hartford, CT	Tesla Model 3	• 50,000/100,000 Liability • Comp / Collision

Last Updated Nov 27, 2024

Compare car insurance quotes now

Will Kemper raise your rates?

Like all insurance companies, Kemper can only increase your rates

upon policy renewal

Some common reasons your Kemper rate might rise include:

Inflation

New accidents

New violations or tickets

New address

New vehicle on the policy

New driver on the policy

According to our study, 74% of drivers choose to renew their Kemper policy.

Remember: You must understand that it’s normal for insurance companies to make changes to the way they price their policies. Because of this, it’s not unusual to experience price shifts over time, even if your driver profile doesn’t change.

Does Kemper resolve claims fast?

Kemper’s website makes no mention of an exact timeframe for

car insurance claims

. But some Kemper policyholders report dissatisfaction with the claims process.

During the claims process, the company will investigate the claim, review the injuries or damages, and determine liability and coverage details to offer a settlement or denial.

Of our survey respondents who have a policy with Kemper, 74% report having filed a claim. Those customers rate Kemper 2.2/5 for its claims process and resolutions.

Compared to the national average rating of 3.5/5, Kemper ranks lower than many companies when it comes to claims satisfaction. Jerry ranked Kemper 11th overall when compared to the customer claims satisfaction rate for similar-sized companies.

Below, you can find customer reviews for Kemper’s claims process:

Kemper Claims Resolution Rating	Ranking	Industry Average
3.5	11	3.5

Kemper claims reviews

See how Jerry users rated Kemper based on claims handling:

Does Kemper have good customer service?

Yes—customer service is one of Kemper’s strong points.

Our survey respondents gave Kemper’s customer service 4.2/5 stars. Compared to the national average of 3.9, Kemper is doing an excellent job when it comes to customer service.

Five-star reviews of Kemper’s customer service mention things like rapid response time and adjuster friendliness during claims.

Here’s how our respondents rated Kemper’s customer service:

Kemper Customer Service Rating	Ranking	Industry Average
4.2	14	4

Kemper customer service reviews

See how real Jerry users rated Kemper based on customer service:

Kemper car insurance discounts

Kemper offers a standard range of discounts.

Car insurance discounts

are important tools that allow drivers to save money by reducing premium costs based on factors like driving history, mileage, or bundling policies. Discounts may also be available for installing vehicle safety devices or enrolling in a usage-based policy.

Of our survey respondents, 15% cited discounts as a reason for their positive reviews.

Some of the discounts Kemper offers 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.

Remember that discount options change over time, and new discounts may be available. It’s best to visit the Kemper website or contact an insurance agent to get the most up-to-date information regarding discounts.

Kemper coverage options

Your car insurance coverage requirements will vary depending on 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

: 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

that allows you to manage your Kemper personal insurance policy from your Android or iOS device. You can use the app to make payments, view ID cards, find repair shops, and submit claims information.

Compare Kemper quotes by driver profile

The tables below demonstrate how Kemper quotes can change based on your driver profile.

Kemper quotes for teens and seniors

Teen drivers

tend to face higher insurance costs due to a lack of driving experience.

Kemper

Thomas (24 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Canon City, CO

Chevrolet Cruze LT

$194

per month

Kemper

Jane (24 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Amarillo, TX

Nissan Altima

$73

per month

Kemper

Minnie (22 years old)

Coverage

State Minimum

Midland, TX

KIA Spectra EX

$198

per month

Kemper

Jerome (23 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Lampasas, TX

Toyota RAV4

$145

per month

Kemper

Keith (24 years old)

Coverage

State Minimum

Cypress, TX

Ford F-150 Supercrew

$410

per month

Senior drivers

over 55 years old tend to pay lower rates, although rates may rise again after age 65 due to increased risks like diminished reaction time and worsening eyesight.

Kemper

Harriett (90 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Phoenix, AZ

Dodge RAM 2500 ST

$404

per month

Kemper

Lettie (75 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Loveland, CO

Chevrolet Equinox LT

$61

per month

Kemper

Violet (65 years old)

Coverage

State Minimum

Austin, TX

RAM 1500 SLT

$164

per month

Kemper

Derrick (67 years old)

Coverage

State Minimum

Damascus, OR

Toyota Camry LE

$112

per month

Kemper

Danny (65 years old)

Coverage

State Minimum

Dallas, TX

Ford Fusion S

$222

per month

Kemper quotes for drivers with violations

Kemper is known for providing

car insurance for high-risk drivers

, including those with DUIs and other serious violations on their records. Check out the tables below to see how your driving record can affect your rates.

One of the most common violations that can raise your insurance rates is a speeding ticket. Here are some real Kemper quotes that drivers found using Jerry.

Accident Type	Premium (monthly)	Customer	Car	Insurance Coverage
Speeding 1-5	$154	Robert, 42 Zip: 78011	Buick Encore Preferred	• State Minimum Liability • Comp / Collision
Speeding 6-10	$150	Glen, 34 Zip: 97367	Dodge Grand Caravan SXT	• State Minimum Liability • Comp / Collision
Speeding 11-15	$122	Bill, 36 Zip: 85029	Jeep Compass Latitude	• 50,000/100,000 Liability • Comp / Collision
Speeding 16-20	$156	Connor, 62 Zip: 23320	Honda Accord LX	• State Minimum Liability • Comp / Collision
Speeding 21+	$148	Steven, 32 Zip: 60403	Toyota Scion IA	• 100,000/300,000 Liability • Comp / Collision

Last Updated Nov 25, 2024

DUI

is likely to cause your insurance rates to rise, but Kemper is known for providing low rates to drivers after DUIs.

Kemper

Warren (45 years old)

DUI

Coverage

State Minimum

Chesapeake, VA

Oldsmobile Alero GLS

$71

per month

Kemper

Mabelle (37 years old)

DUI

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Colorado Springs, CO

KIA Sportage LX

$193

per month

Kemper

Bertie (40 years old)

DUI

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Orange, TX

RAM 1500 ST

$299

per month

Kemper

Phillip (33 years old)

DUI

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Sherman Oaks, CA

BMW Z4 sDrive28i

$179

per month

Kemper

Lettie (33 years old)

DUI

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Gunnison, CO

Subaru XV Crosstrek 2.0 Premium

$85

per month

An at-fault accident will likely cause your Kemper insurance rates to climb.

Accident Type	Premium (monthly)	Customer	Car	Insurance Coverage
At Fault With Injury	$87	Christian, 52 Zip: 45505	Buick Lesabre Custom	• State Minimum Liability • Comp / Collision
At Fault With Injury	$200	Richard, 31 Zip: 22192	Chevrolet Malibu LT	• 50,000/100,000 Liability • Comp / Collision
At Fault With Injury	$134	Harry, 54 Zip: 24482	Chevrolet Spark LS	• 50,000/100,000 Liability • Comp / Collision
At Fault With Injury	$200	Lewis, 33 Zip: 30518	RAM 1500 ST	• 100,000/300,000 Liability • Comp / Collision
At Fault With Injury	$83	Francisco, 31 Zip: 79912	Hyundai Sonata GLS	• State Minimum Liability

Last Updated Nov 25, 2024

Outside of speeding tickets, DUIs, and at-fault accidents, other violations can affect your Kemper insurance rates, also.

Violation	Premium (monthly)	Customer	Car
Careless Driving	$295	Georgie, 36 Beaverton, OR	KIA Optima LX
Illegal Turn	$289	Jorge, 24 Zanesville, OH	Mitsubishi Outlander ES
Defective Equipment	$130	Myra, 28 Denver, CO	Subaru Impreza Sport
Driving on Sus. License	$70	Jennie, 31 Greeley, CO	Isuzu Trooper S
Driving on Sus. License	$97	Warren, 41 Denver, CO	Mazda 6 i

Last Updated Nov 22, 2024

FAQs

Is Kemper good at paying claims?

According to our survey data, Kemper policyholders gave the company 2.2/5 stars for its claims process. This is lower than the national average of 3.5/5, indicating that many customers are not happy with Kemper’s claims process.

What company owns Kemper Insurance?

Kemper Insurance is owned by Kemper Corporation. The corporation owns Kemper Insurance and Infinity Insurance, a separate agency that offers services in California only.

Is Kemper good for cheap car insurance?

Kemper auto insurance is a great choice for high-risk drivers with a history of moving violations. Drivers with spotty records tend to get lower auto insurance rates from Kemper when compared to other companies.

But drivers with clean records may find better rates with another insurance provider.

Is Kemper a good car insurance company?

In general, yes—Kemper is a good car insurance company. The company has high customer satisfaction rates and has an overall rating of 4.1/5 stars, according to our survey data.

Is Kemper a company you can trust?

Kemper has high customer service and overall customer satisfaction ratings. This indicates that the majority of policyholders are happy with their service and are able to trust the company.

Read all Kemper car insurance reviews

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.

Meet Our Experts

R.E. Fulton

Licensed Insurance Agent —Senior Content Writer

R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.

As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.

Lina Zhang

Licensed Insurance Agent

Licensed in 50 states and Washington DC

Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.

Josh Damico

Head Of Insurance Operations

18+ Years Experience in Insurance

Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.

*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.