UPDATED: Jan 12, 2023

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UPDATED: Jan 12, 2023Fact Checked

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Average monthly rate for good drivers:


A.M. Best rating:


Complaint level:



  • Sign-up process is relatively easy, and agents explain coverages well
  • Offers nonstandard auto insurance, including SR-22 and “salvage title” vehicle insurance
  • Competitive pricing among many high-risk driver demographics
  • One of the top-rated auto insurance companies for drivers with speeding tickets
  • Can be good for families
  • Can consolidate your home, life, business, and auto insurance for a bundling discount


  • Customers report that Kemper auto insurance rates go up without being notified, and many see surprise charges
  • Inability to view average rates online, which makes comparison shopping (a consumer’s most useful tool) difficult
  • Lack of available discounts
  • Little to no reward for customer loyalty
  • Difficulty getting paid for a no-fault claim and slow processing times
  • Kemper Auto insurance reviews suggest poor customer service
  • Seniors and single adults may not be able to save as much money with Kemper when compared to other car insurance companies

The Bottom Line

You’re sitting at a stoplight when a driver rear-ends you, causing major visible damage to your vehicle. You pull over to the side of the road and see if everyone’s OK, then call the police to file an accident report. The other driver hands you their insurance card, and you realize Kemper Insurance covers them.

Now, the real fun begins.

You call Kemper to file a third-party insurance claim since the police report clearly indicates you did nothing wrong, and the other driver’s liability policy is legally required to cover it. You wait to hear back from a company representative. Days, and even weeks, go by without a response. You start to wonder if Kemper auto insurance is good or even a legitimate company.

Then you dig. You read other people’s horror stories about Kemper auto insurance. You notice their NAIC rating, a standard metric in the auto insurance agency, is at an overwhelming 2.29, ranking it among the worst of all major car insurance carriers.

Kemper is generally known as an affordable high-risk auto insurance company, but this is a common story you can find online from people who have experienced a no-fault accident with a Kemper-insured driver.

So is Kemper auto insurance truly bad or irredeemable for everyone?

In a broader sense, Kemper’s narrow, nonstandard insurance targets high-risk drivers at the expense of alienating the vast majority of U.S. drivers, both in price and in practice.

Read our Kemper auto insurance review to see if it is a legitimate insurance company and if it has something of value to offer you. With competitive pricing, Kemper might be a more affordable option for some high-risk drivers.

Kemper auto insurance is a wild card in the auto insurance game. Its rates are higher than average, but high-risk drivers with accidents or DUIs can find very affordable rates.

Kemper car insurance prices are often competitive across high-risk demographics, but there’s only one way to know for sure if you’d save money — shop around and compare.

Is Kemper Corporation a Good Choice?

Kemper insurance has more or less been around in some form for over 100 years. It has strong financial ratings, which means it can pay claims even in economic downturns, and offers high-risk drivers specialized insurance, which may be good for you, depending on your situation.

However, Kemper auto insurance rates are higher than average because it specializes in high-risk policies.

Further, part of Kemper’s nonstandard policy issuance appeal is based on serving foreign drivers in the U.S. with international driver’s licenses and Matricula Consular. This may adversely increase overall community risk, which leads to higher rates for all Kemper insurance customers.

The company’s customer service is also lacking, with a high number of complaints reported by the NAIC. Kemper also recently settled a  $17.6 million lawsuit for a customer data breach after being sued for failing to secure and protect their customers’ Social Security numbers, driver’s license information, and medical history.

Kemper Auto Insurance Company Information

Kemper is one of the 15 biggest auto insurance companies by market share in the United States, with assets totaling over $13 billion, and appeared on Fortune Magazine’s list of the 100 Fastest-Growing Companies for 2020.

Kemper Corporation is a publicly traded company on the New York Stock Exchange (symbol: KMPR) based in Chicago at 200 East Randolph Street, Ste. 3300, Chicago, IL, 60601.

The Kemper Insurance customer service number is (800) 782-1020. To file a Kemper insurance claim, call (866) 536-7376.

With approximately 33,500 agents and roughly 10,000 employees committed to addressing the shifting needs of its clients, Kemper offers low-cost, user-friendly, customized solutions to individuals, families, and businesses.

Kemper Auto Insurance Reviews and Ratings

Kemper insurance ratings and reviews from organizations that track customer service and financial stability within the insurance industry are decidedly mixed. The company is financially strong but does not perform well when it comes to customer service.

According to A.M. Best, which assesses financial stability and the capacity to fulfill claims obligations to current policyholders, Kemper receives an “A-.”

Kemper Customer Service

The J.D. Power U.S. Auto Insurance Study ranks insurance companies and assigns them a score out of 1,000. Kemper received a below-average score of 748, putting it in 14th place among California’s auto insurance providers.

Due to its 100% business-response level to customer comments, complaints, and other queries, Kemper Corporation achieved an A+ rating from the Better Business Bureau.

The National Association of Insurance Commissioners (NAIC) assigns a score to insurance companies based on the level and frequency of complaints, adjusted for company size. A score of 1.0 is average, and anything higher than this indicates more complaints filed.

Kemper has a very high complaint level of 2.29, making it one of the worst auto insurance companies by customer satisfaction rating.

Opening an auto insurance policy with Kemper may be easy as they’re willing to accept your payment. Still, their reputation for bad customer service and claims processing may hold you back from doing so.

Kemper Claims Handling

Simply reading the reviews of horror stories on Yelp or BBB can show what kind of company Kemper is. Most drivers affected by Kemper-insured motorists leave reviews of disappearing customer service representatives and unpaid claims based on excuses or procedural formality.

Clearly, Kemper is providing many motorists with the necessary documentation to drive. Still, drivers unfortunate enough to be in a collision with an at-fault driver with Kemper auto insurance may have a lot of hurdles to jump through before their claim is settled.

Kemper Corporation Rates

You can buy Kemper Auto insurance in all 50 U.S. states and Washington, D.C. Most of the time, the cost of Kemper auto insurance varies depending on your state of residence, the minimum coverage required, and your driving record.

For example, a 45-year-old male with a clean driving record can expect to pay about $125/month for full coverage auto insurance with Kemper, just slightly more than the national average of $119/month.

Keep reading to compare Kemper auto insurance quotes by state, age, driving record, and credit score.

Kemper Auto Insurance Rates by State

Depending on your state insurance laws, factors like driver age, gender, driving record, claims history, and credit history will affect quotes from most major insurance providers, including Kemper.

Insurance costs are frequently impacted by a variety of factors, some of which are listed below:

  • Age of motorist
  • Claims history
  • Driving record, including any tickets
  • Consumer credit score
  • Gender (where allowed)
  • Zip code and location
  • Average daily/yearly mileage
  • Relationship status
  • Type of insured vehicle

It’s important to remember that online quotes are only estimates, and your actual costs might differ. Comparing car insurance quotes from at least three companies is the best way to determine how coverage costs in your state.

Get free auto insurance quotes now with our comparison tool below, or keep reading to compare Kemper insurance quotes.

Kemper Auto Insurance Rates by Age

Kemper auto policies tend to favor people of prime working age, between 25 and 60 years old. However, Kemper insurance costs are above the national average, and its prices are very high for teen and senior drivers shopping for a stand-alone policy.

Kemper Auto Insurance for Teen Drivers

Insurance companies consider teen drivers high-risk because of their inexperience and propensity for distracted driving. Male teenagers pay the highest rates, but as soon as they reach their early 20s, car insurance rates will start to decline

To see how much insurance companies typically charge teen drivers, see the table below:

Average Monthly Full Coverage Teenage Auto Insurance Rates by Gender
Insurance Company16-Year-Old Male With a Clean Record16-Year-Old Female With a Clean Record18-Year-Old Male with a Clean Record18-Year-Old Female with a Clean Record
American Family$480.08$390.17$390.33$287.67
Liberty Mutual$778.25$716$632.75$527.92
State Farm$349.25$310.83$284$229.17
National Average$609.58$557.92$495.58$411.33
Get Your Rates Quote Now

Teen drivers between 16 and 18 years old pay around $560 per month, which is still cheaper than policies with Progressive or Farmers. Check to see if a teen driver can be added to an existing policy to get even lower rates.

Kemper Auto Insurance for Young Adult Drivers

Drivers in their early 20s continue to pay higher rates than drivers in other age groups. Still, as they get closer to the age of 25, rates begin to decline if you keep a spotless driving record and don’t file any claims.

Compare car insurance rates for young adults below:

Average Monthly Auto Insurance Rates by Age and by Company
Companies25-Year-Old Female25-Year-Old Male17-Year-Old Female17-Year-Old Male
Liberty Mutual$279.38$296.29$544.95$882.56
State Farm$181.32$192.87$497.40$641.39
Get Your Rates Quote Now

Young adult drivers pay about $153 per month for Kemper full coverage, which is just a few bucks more than the national average.

Kemper Auto Insurance for Adult Drivers

Older drivers are considered safer with insurance companies due to their experience behind the wheel. For full coverage auto insurance through Kemper, 30 year olds will pay about $142 per month, and for liability-only coverage, $55.

Between people in their 30s and mid-50s, car insurance quotes are generally comparable and do not differ significantly. As a result, customer service and claims satisfaction will heavily influence which auto insurance company best fits your needs over the course of your lifetime.

Kemper Auto Insurance for Senior Drivers

Due to age-related changes like slower reflexes, vision loss, or other health issues, insurance providers view drivers in their 60s as having a higher risk of an accident. As a result, they are more likely to file a claim, which raises the price of their auto insurance.

Compare Kemper car insurance quotes for seniors to other top companies below:

Average Monthly Full Coverage Senior Auto Insurance Rates by Gender
Insurance Company60-Year-Old Male With a Clean Record60-Year-Old Female With a Clean Record65-Year-Old Male With a Clean Record65-Year-Old Female With a Clean Record
American Family$99.17$97.92$107.58$106.33
Liberty Mutual$157.50$146.50$168.50$165.92
State Farm$76$76$84.17$84.17
National Average$108$104.08$115.08$115.25

Senior drivers in their 60s can expect to pay about $124 per month for full coverage with Kemper and $47 for liability-only.

To save money, senior drivers can take advantage of a Mature Driver Safety Discount.

Roadwise, the online senior defensive driving course from Kemper, will help you develop better driving habits and teach you to recognize and adjust to age-related physical changes. Kemper driver improvement programs can be completed in person, online, or both ways.

Kemper Auto Insurance Rates After a Speeding Ticket

Receiving a moving violation indicates to insurance companies that you drive recklessly, which will increase your auto insurance rates.

You’ll also notice higher rates after renewing with a traffic violation, particularly speeding or reckless driving. This is because your insurance company verifies your driving history at each policy renewal. Discover other reasons why your auto insurance is high.

However, since Kemper primarily issues nonstandard auto insurance policies, drivers with multiple speeding tickets could benefit from Kemper.

Average Monthly Auto Insurance Rates with One Speeding Ticket
CompanyAverage Rates with Clean RecordAverage Rates with 1 Speeding Violation
American Family$224.47$252.15
Liberty Mutual$397.86$475.11
State Farm$235.10$265.50
Get Your Rates Quote Now

Drivers with a ticket on their record can expect to pay $158/month.

Kemper Auto Insurance Rates After an Auto Accident

After an accident, Kemper drivers usually anticipate paying about 20% more than the national average than other drivers with an accident on their record.

Average Monthly Auto Insurance Rates for Drivers with One Accident
CompanyAverage Rates with Clean RecordAverage Rates with 1 Accident
American Family$224.47$310.23
Liberty Mutual$397.86$517.07
State Farm$235.10$283
Get Your Rates Quote Now

Kemper auto insurance with an accident is more expensive than most national companies. However, it’s still cheaper than other high-risk companies, including The General.

Kemper Auto Insurance Rates After a DUI

Because insurance companies take DUI offenses seriously, you can expect higher auto insurance rates after a DUI.

A 45-year-old with a DUI can anticipate paying about $228/month for comprehensive, collision, and liability auto coverage, or nearly 10% more than the national average.

Average Monthly Auto Insurance Rates with One DUI
CompanyAverage Monthly Rates with Clean RecordAverage Monthly Rates with 1 DUI
American Family$224.47$360.85
Liberty Mutual$397.86$634.46
State Farm$235.10$303.07
Get Your Rates Quote Now

As an alternative, Travelers and Farmers Insurance both offer rates slightly below the national average for drivers with a DUI.

Kemper Auto Insurance Rates for Poor Credit

Unsurprisingly, the price of your auto insurance can be impacted by your credit score. Because insurance companies believe that drivers with poor credit are more likely to file claims or forget to pay their bills, they are subject to higher rates.

Most states allow the use of this data, but some don’t. The table below illustrates how a credit rating may affect a Kemper full-coverage auto insurance policy.

Average Monthly Full Coverage Auto Insurance Rates by Credit Rating
Insurance CompanyRates with Poor CreditRates with Fair CreditRates with Good Credit
American Family$202.67$136.25$115.50
Liberty Mutual$354.67$226$176.67
State Farm$199.83$117.58$90.92
Get Your Rates Quote Now

No data was available to reveal how Kemper treats people with various credit scores.

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Kemper Corporation Discounts Available

Kemper offers its customers the following discounts:

  • Proof of prior insurance discount. Kemper Auto will give you a discount on your new policy if you have previously purchased auto insurance.
  • Advance quote discount. Renew your auto policy proactively and receive a discount
  • Paid-in-full discount. If you pay your annual auto insurance rates upfront, you may qualify for a discount on your coverage.
  • Multi-car discount. If you own more than one car, you might be able to reduce your rates by insuring them all under a single policy. In some states, you may insure an unlimited number of vehicles under one policy.
  • Defensive driving. Enrolling in a course to develop safe driving techniques may qualify you for another discount. Inquire about the prerequisite courses and requirements with your independent insurance agent.
  • Full-time student. Students might be able to lower the cost of their auto insurance if they’re full-time students with a 3.0 GPA or higher.
  • Military discount. With a Kemper Auto policy, active-duty military personnel and members of the National Guard may be able to save money on their auto insurance.
  • Homeowner discount. You can get cheaper rates if you or someone else on your policy owns a home.
  • Safety features discount. Anti-lock brakes, airbags, and anti-theft systems all help protect your vehicle from damage and humans from harm, which Kemper appreciates and rewards.
  • Paperless discount. In addition to helping reduce paper waste, you’ll be reducing Kemper’s bottom-line administrative costs, the savings of which it will share with you.
  • State-specific discounts. In some states, you can get a discount for being a safe driver and avoiding accidents (and claims), taking a mature driver safety course, or being an AAA member.

Your eligibility for a discount depends on several factors, including your driver’s history and demographic.

Speak with a sales representative from Kemper Insurance to find out the discounts you are eligible for. Ask upfront because Kemper might not offer some discounts in all states.

How to Save on Kemper Auto Insurance

Even though Kemper currently offers rates that are a bit higher than the industry average, there are other ways to reduce your insurance premiums:

  • Raise the deductible. Your car insurance will be more affordable if you increase your deductible, which is the amount you pay out of pocket before insurance takes effect.
  • Get a vehicle with lower operating costs. If you want to save money on your Kemper auto insurance, consider buying a low-value or easily repairable vehicle because insurers typically charge less for these models.
  • Commit to being a safe driver. Your auto insurance provider will generally take note if you exercise defensive driving, avoid collisions, and receive no infractions.
  • Drop full coverage if you can. If your older vehicle has depreciated to the point where you are no longer required to have collision and comprehensive insurance, you may choose to carry liability-only insurance.
  • Compare auto insurance quotes online. Price comparison will always increase your chance of finding a deal.

Alert any Kemper insurance representative you speak with of the rates you find from other insurance companies. Additionally, if you call your existing auto insurance company before your current policy expires, you can often leverage this for a better price.

Kemper Corporation Coverage Options

As one of the top 50 largest insurers in the U.S., Kemper provides all of the standard auto insurance coverages that the competition does, including the legally required minimums:

  • Bodily and property injury liability. Costs for injuries, fatalities, or property damage brought on by your negligence are known as bodily and property injury liability.  It is typically a minimum requirement to be able to drive legally.
  • Comprehensive auto insurance coverage. Pays for damage to your vehicle from natural causes like a tree limb falling on it, running into wildlife on the highway, or damage from serious weather events and fire.
  • Collision auto insurance coverage. Pays for damages to your vehicle when you cause an accident.
  • Uninsured motorist/underinsured motorist (UM/UIM). Depending on your state’s requirements, UM/UIM pays for medical bills and property damage after a collision with a driver who has little or no insurance.
  • Personal injury protection (PIP)/Medical Payments (MedPay). Also known as “no-fault” insurance, PIP and MedPay cover the cost of prescription drugs, X-rays, surgery, hospital stays, and other medical costs. PIP will cover lost wages due to missing work during recovery from an accident and other household costs, while MedPay does not.

If your vehicle is too expensive to replace or would be difficult to do so with just your savings, full coverage (liability plus comprehensive and collision) is typically a good idea. The legal minimum required in most states is liability auto insurance.

To put things in perspective, liability-only coverage costs about one-third as much as full coverage auto insurance. However, if you cause the collision, your damages are not covered. Otherwise, you will be responsible for paying for your own repairs and medical bills.

Additionally, signing up for only the minimum coverages may leave you financially responsible if the other driver’s damages and medical bills are outstanding, so you should consider your coverage limits when opening any auto insurance policy. The minimum may not be enough during times of inflation.

Kemper offers the standard coverage options, including full coverage, as part of its Kemper Preferred plan. Kemper Preferred also provides numerous noteworthy coverage options.

Kemper Auto Insurance Add-Ons

To supplement your policy, Kemper also offers additional auto insurance packages:

  • Kemper Total. Designed for new car owners, with new car replacement coverage that replaces your vehicle if it’s stolen or totaled in an accident. Must insure a new vehicle to qualify for Kemper Total.
  • Kemper Prime Auto Enhanced. If you want to upgrade your protection, Kemper Prime combines standard insurance with more robust coverage, like accident forgiveness and disappearing deductibles for remaining claim-free. Not available in North Carolina.
  • Free membership with DriverClub. You’re automatically eligible for free 24-hour roadside assistance from DriverClub with a Kemper car insurance policy.

Along with exclusive insurance packages, Kemper also offers these policy add-ons:

  • Protection for parked cars. If your car is hit by another vehicle while parked and unoccupied, this optional coverage will waive your collision deductible.
  • Gap insurance. If your vehicle is stolen or totaled in an accident, gap insurance, also known as loan/lease coverage, will pay the difference between the value of your vehicle and the balance owed on your loan or lease.
  • Umbrella insurance. Kemper personal umbrella liability insurance will pay the difference between your auto policy and the settlement amount awarded by the court if you are found to be the cause of an accident. Coverage starts at $1 million.
  • Enhanced protection. Get a variety of optional but useful coverages rolled into one package, including trip interruption insurance, key replacement, personal property protection, diminishing deductibles, and a deductible waiver.

Adding coverages like those above will raise your monthly rates, but you’ll have peace of mind knowing your vehicle is well-protected.

How much is Kemper minimum auto insurance?

Liability-only provides the minimum amount of insurance you need to drive legally. Each state has a different minimum coverage requirement, but you can choose to carry higher limits.

Kemper offers liability-only insurance at fairly competitive rates. See the table below for an idea of how much minimum auto insurance coverage might run you.

Average Monthly Minimum Coverage Rates for the Top Auto Insurance Companies
Insurance CompanyAverage Minimum
Coverage Rates
American Family$48
Liberty Mutual$64
State Farm$34
Get Your Rates Quote Now

Kemper’s average minimum coverage rates are about par with the national average, coming in at $47 monthly for 45-year-old drivers.

How much is Kemper full coverage auto insurance?

A full coverage policy that includes liability, collision, and comprehensive coverages offers the best protection for you and your vehicle overall. It’s more expensive than minimum coverage, but it provides more security.

Here’s how much full-coverage auto insurance can cost:

Average Monthly Full Coverage Rates for the Top 10 Auto Insurance Companies
Insurance CompanyAverage Full Coverage Rates
American Family$116
Liberty Mutual$177
State Farm$91
Get Your Rates Quote Now

A 45-year-monthly old’s premium for a Kemper auto insurance policy with full coverage should be about $127. State Farm, Geico, and Nationwide offer much more affordable policies, but Kemper is still competitive for teens and other high-risk drivers.

Other Insurance Provided by Kemper

Besides auto insurance, you can also buy the following insurance products from Kemper:

  • Homeowners insurance
  • Life insurance
  • Health insurance
  • Renters\Condo insurance
  • Mobile home insurance
  • Motorcycle insurance
  • Flood insurance
  • ATV, RV, and boat insurance
  • Personal valuable coverage
  • Individual umbrella protection
  • Commercial vehicle insurance
  • General business liability insurance for company owners

Similar to the previously discussed products, the majority are also underwritten by third parties so that available coverage options may change depending on the state and underwriting firm.

Does Kemper have a mobile app?

Yes, the Kemper insurance app is available in most states on the App Store and Google Play Store.

The app has a 1.5/5 star rating on the App Store, compared to a 2.4/5 star rating on average for the Google Play Store. Unfortunately, its “Infinity, a Kemper Company” app, which serves customers in some regions, does not fare much better.

Kemper Auto Insurance: The Bottom Line

Kemper auto insurance is a wild card in the auto insurance game. Its rates are higher than average, but high-risk drivers with accidents or DUIs can find very affordable rates.

Kemper car insurance prices are often competitive across high-risk demographics, but there’s only one way to know for sure if you’d save money — shop around and compare.

Start today with free car insurance quotes from local companies. Enter your ZIP code below to discover the best prices for your new auto insurance policy.

Frequently Asked Questions

How can I obtain a Kemper auto insurance quote?

Some Kemper insurance products may be quotable online, but you’ll need to contact a Kemper staff member or agent in many cases.

In what states is Kemper auto insurance available?

Kemper auto insurance is offered in all U.S. states and Washington D.C. However, coverages, perks, and discounts may vary by state.

How do I submit an insurance claim to Kemper?

To file a claim, you can call or go online 24 hours a day, seven days a week, or call (866) 536-7376.

Does Kemper offer SR-22s for drivers?

Kemper will file SR-22 insurance for drivers who need it. Your car insurance rates will definitely go up if you have an SR-22, but Kemper will consider you for a new or continuing auto insurance policy.

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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

Full Bio →

Written by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker