Yes, Kemper insurance rates are competitive, as the company is one of the 10 cheapest insurers nationally, according to WalletHub data. Kemper car insurance costs an average of $689 per year, or $57 per month.
Kemper’s car insurance rates are based on your driving record and experience, along with factors like the type of car you drive, your ZIP code, your insurance history, and more. Your coverage and deductible choices also impact your final quote, as do your eligibility for discounts.
Sample Kemper Car Insurance Rates
Average Annual Cost of Minimum Coverage
$2,507 per year
$1,243 per year
$942 per year
$689 per year
$749 per year
Note: These rates are approximations based on sample quotes from Kemper. Actual rates will vary.
To learn more about how we obtained these sample quotes, check out the methodology section of our complete Kemper car insurance review.
Yes, Kemper does have a referral program, called the Kemper Direct Network Discount. The Kemper referral program requires customers to refer least one friend who signs up for a new Kemper car insurance policy, and in return everyone will be rewarded with a 10% discount. The discount will last as long as you and at least one referred friend maintain a Kemper policy and agree to the Safe Driving Pledge.… read full answer
In addition to Kemper’s referral program, Kemper offers several discounts that can help customers save money on their car insurance. For more information, check out WalletHub’s Kemper review.
The cost of car insurance typically goes down the most between the ages of 18 and 19, when rates drop by about 25% on average. Car insurance premiums generally continue to go down each year until age 25, when rates begin to level off for the next few decades. When drivers turn 25 years old, they can expect a discount of about 14%.… read full answer
Note: The table above shows average annual rates for minimum coverage across all 50 states.
Around middle age, rates may begin to creep back up. This is because middle-aged drivers tend to insure newer, nicer cars and begin to add their children to the policy, increasing the average rate for this age range overall. Individual rates also start to go up again between the ages of 65 and 75 because senior drivers have a higher risk of accidents than middle-aged drivers.
Why Age Affects Car Insurance
Age affects car insurance rates because it’s an indicator of a driver’s risk to an insurance company. Young drivers are statistically more likely to get into a car accident than older, more experienced drivers. As a result, they’re considered high-risk and are more expensive to insure.
The risk for the insurer and the cost for the insured then generally decline as drivers age and gain experience. Once drivers pass the age of 65, however, their risk starts to go up again. Not only are senior drivers more likely to get into an accident than middle-aged drivers, but they’re also more likely to be injured as a result.
States Where Age Does Not Affect Rates
Although most people in the U.S. will find their prices change according to this timeline, there are a few states in which insurers can’t use age to determine your rate. In California, Hawaii, and Massachusetts, age won’t have a direct effect on how much you pay for car insurance. Other factors will still have an impact, though. Your driving record, credit score, and marital status can all affect your final premium.
Yes, Kemper will pay for windshield replacement or repair services for customers who have comprehensive coverage. Kemper waives the comprehensive deductible for windshield repairs, though customers will still need to pay their deductible for full replacement unless their policy or a state law says otherwise.
If you live in Florida, Kentucky, or South Carolina, you will not need to pay your deductible for windshield replacement or repairs. Additionally, insurance companies in Arizona, Connecticut, Massachusetts, Minnesota and New York must offer a "full glass coverage" policy that allows customers to choose a $0 deductible for glass repairs.… read full answer
On the other hand, if the windshield was damaged in an accident and the policyholder was at-fault, Kemper customers can file a collision claim, though their exact policy details will determine if they need to pay a collision deductible. And if the policyholder was not at-fault, the at-fault driver’s liability insurance should cover the damage without a deductible.
If you’re not sure whether you will need to pay a deductible for windshield replacement, you can check your policy details or call Kemper’s customer service line at 1 (800) 437-8394. To file a claim for windshield repair or replacement, you can use Kemper’s online portal.
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