Kemper

323 Reviews

Kemper is a large insurance company that operates in all 50 states and offers auto insurance, home insurance, health insurance and other products designed to meet a range of customer needs. Here are a few other key things to know about Kemper:

2.2 / 5 rating from WalletHub editors
1.6 / 5 average rating among users. Read reviews.
A+ from the Better Business Bureau (BBB)
Founded in 1990 and headquartered in Chicago

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Kemper Reviews

The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 10/05/2022.

1.6

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WalletHub
February 18, 2022 • @WalletHub

editor's review

Kemper Insurance Review

Kemper is rated 2.2/5 by WalletHub’s editors, based on customer reviews, insurance quotes, and ratings from third-party watchdog organizations. Kemper insurance reviews from consumers mention above-average prices and poor customer service compared to other similar carriers. Kemper’s NAIC rating is also 6.59, which means it has received a lot more complaints than the average car insurance provider. Complaints reported to the NAIC highlight delays in claims payments.

Kemper Insurance Ratings

Reviews on WalletHub: 1.6/5
J.D. Power: 3.9/5
NAIC: 6.59
BBB: A+
AM Best: A-
S&P: BBB
Moody’s: Baa3

Kemper Auto Insurance Review Highlights

Rank – Third cheapest quartile among major car insurance companies in terms of price, according to WalletHub’s research.

Top Discounts – Retro Loyalty™ (for switching to Kemper), Safe & Sound® (for being accident-free for at least 3 years), and the Happily Married discount (for couples who are married or in another legal partnership).

Basic Coverage Options – Bodily injury liability, property damage liability, medical payments, personal injury protection, comprehensive, collision, and uninsured/underinsured motorist.

Supplemental Coverage Options – Trip interruption protection, accident forgiveness, car seat replacement, and pet protection.

Specialty Auto Insurance – Commercial auto insurance and boat insurance.

To help drivers better understand how much car insurance from Kemper costs, WalletHub’s editors obtained sample Kemper auto insurance quotes for a mix of driver profiles varying in age and driving record. You can learn more about these sample quotes in the Methodology section of our full Kemper Insurance Review.

Kemper Auto Insurance Quotes

Driver Profile	Average Quote
18-Year-Old	$180 / month
21-Year-Old	$115 / month
45-Year-Old	$72 / month
45-Year-Old with a Speeding Ticket	$96 / month
45-Year-Old with a DUI	$160 / month
55-Year-Old	$72 / month
65-Year-Old	$67 / month

Kemper is expensive compared to many of its competitors. The company ranks in the third cheapest quartile among auto insurers in WalletHub’s cost comparison.

Kemper Home Insurance Review Highlights

Homeowners insurance from Kemper protects your home and personal belongings from damage caused by covered events like fire, wind, hail, vandalism, theft, and other risks. A homeowners insurance policy from Kemper will also help pay for additional living expenses if your home needs repairs because of a covered loss and you can’t stay there while they’re being completed.

Kemper homeowners insurance can cover your boats and rental properties, too, and you can enhance it even more with identity theft protection. Kemper also offers protection for all your personal possessions, from antiques and collectibles to home electronics, with the following add-ons:

Replacement Cost Contents - Pays new replacement/repair costs for your possessions, even if they are more expensive now than when you purchased
Replacement Cost Dwelling - Gets you a higher dollar limit on your dwelling coverage.
Scheduled Personal Property - Lets you list high-dollar items with specific amounts on your policy, and there’s no deductible.
Blanket Valuable Items - Covers groups of lesser-valued items for up to $50,000, including if they are lost.
Personal Electronic Equipment - No deductible applies for covering computers, home theater systems and more.

For renters and condo owners, Kemper offers specific coverage options to meet your needs. Renters insurance will protect your personal possessions, which your landlord’s property insurance policy won’t cover, and it will cover debris removal as well as damage caused to the possessions of others while they’re visiting. For condo owners, an insurance policy from Kemper will protect your unit from damaged caused by smoke, severe weather, acts of malicious intent and more. It will also give you extra perks like coverage for the theft of property from your vehicle and coverage for fire department service charges.

Overall, Kemper offers standard homeowners insurance options that can satisfy a variety of needs without emptying your wallet, especially if you bundle coverage with an auto policy.

Bottom Line: Is Kemper a Good Insurance Company?

Kemper is a pretty good insurance company overall, earning a rating of 2.2/5 from WalletHub editors. Kemper offers a variety of coverage options as well as nationwide service, though their premiums tend to be more expensive than similar competitors. Customer service appears to be an issue, too.

To learn more, read WalletHub’s complete Kemper insurance review, or check out some of the reviews from fellow consumers below.

Product: Kemper Car Insurance

Comment

bill_bradfield
September 2, 2020 • @bill_bradfield

Kemper Auto Insurance is the WORST EVER I HAVE EXPERIENCED. After calling in a new CCrd to a KEMPER AGENT i requested the COVID discount. The agent told me that my payment was $80 instead of the $92 because they applied my discount. Because it was $12 short they generated a Cancellation Notice and sent it to the DMV and as a result my license was SUSPENDED. No Notice, No Call, No TEXT which I… show more

Comment

Ali Mose
October 4, 2022 • @05dukes_morass

Poor experience, but wanted to give some hope to others. I filed a third party claim as the 2nd car (first to be impacted) in a 4 car rear end pile up that was fully the fault of the rear driver— someone insured by a Kemper subsidiary, Infinity. He launched into me without slowing down while I was stopped at a light behind the two other cars. Upon calling, they sent an inspector to the location where my car had been towed the very next day, then he called me the following day to report that my car was a total loss. Then I went into what felt like an excruciating wait for them to accept fault. My adjuster was a ghost— couldn’t ever reach her, didn’t answer voicemails or emails— it was so frustrating as I felt in limbo. She FINALLY called me to accept liability after 10 days (which in hindsight wasn’t that long, but it felt like it when all I did in the meantime was read horror story reviews about claims being dragged out for months and months). She was slow to transfer me to a total loss adjuster, too. I credit a lot of the swiftness in handling this to me complaining loudly on Twitter. It seemed like when I did that, I actually made progress in the days to follow.

When I finally got transferred to a total loss adjuster, everything changed. She was responsive and kind and helpful and I felt such relief. Krista— you’re an angel! She gave me her email address and responded promptly. She answered all my many questions as this was my first experience with an accident this severe. She was just so patient with me and I appreciated it so much. The payout offer was fair, and when my first check got lost in the mail, she did what she could to get the replacement out quickly. One thing, they mail checks (even big huge checks) without tracking. The lost check turned up after 3 weeks which was very, very late. The replacement check showed up 2 days after the lost check eventually turned up! My finance company was paid at the 21 day mark and my check was cut the same day. From date of loss to me depositing the check was 40 days. Not ideal, but would have been much sooner if the first check hadn’t been lost. It wasn’t perfect, but I hope this review will keep someone in the “waiting” some peace!

Product: Kemper Car Insurance

Comment

Melissa
September 23, 2022 • @melissavp2012

Kemper was the difficult one and is doing shady business. They charged me for months of insurance that DMV SENT ME THE PAPERWORK FOR MY REGISTRATION TO BE SUSPENDED DUE TO NO INSURANCE ON THE JEEP I WAS FINANCING....SO HOW DO I GET CHARGED WHEN IT ISNT JUST MY WORD ITS MULTIPLE STATEMENTS FROM DMV JUST AS THEIR PROTOCOL FOR CARS WHO THE DMV HAVE NOT BEEN CONTACTED REGARDING INSURANCE NOR RECEIVED PAYMENT FOR ANY SAID INSURANCE TO THE POINT OF SUSPENDING THE REGISTRATION ON.MY NEWLY FINANCED JEEP I FINANCED BECAUSE OF MY NEW ON CALL CHIEF ENGINEER POSITION I HAD TO BE READY TO GO TO 24/7 THEREFORE NEEDED RELIABLE TRANSPORTATION. WHY WOULD I LET MY FIRST THREE MONTHS OF INSURANCE LAPSE? THEY NEVER INSURED ME AND THEN AT EXACTLY 90 DAYS SO beginning of March I had to return the jeep due to mechanical issues and car lot and I resolved it as a wash because of my down payment and good care of vehicle. So there was no need for insurance. I called DMV and let them know on/around 3/15/20 and then called Kemper and let them know of ball being dropped and Jeep never being insured by them despite them receiving my deposit and first months payment then out of the blue a revised notice from DMV comes saying registration is reinstated insurance has now been paid and whatever requirements have been fulfilled. The woman I spoke to at Kemper made a threat as I got of the phone with here that she would do something so I I'd have to pay anyways....

Comment

hadmarie002
September 9, 2022 • @hadmarie002

Please stay away from this insurance. Had full cover paying a lot of money for my insurance and had an accident that it wasn’t my fault and they denied to get my car covered also adjuster named sixon alexander was rude never answer calls and not helpful at all. I would give -0 stars if I could. Please stay away.

Product: Kemper Car Insurance

Comment

hudemeyer1
August 25, 2022 • @hudemeyer1

Nothing lower than a 1 star? I have called and emailed multiple time to an adjuster, messaged the supervisor...now trying the manager. Nobody responds?

Product: Kemper Car Insurance

Comment

Ali Mose
October 4, 2022 • @05dukes_morass

Get on Twitter— it gets a response

Comment

pat lundy
August 23, 2022 • @pattlundy

Being with Kemper for over 10 years they raised premium 69% in 2 yrs, claiming I had 2 claims in a 1 year period. Lowes installed a new fridge for me and a water line came loose, said they would pay the homeowners claim to Kemper for the damage. Though Kemper was paid, they still claimed I had 2 claims in a 1yr period. The other was a tree damage claim 11 months before that.

Product: Kemper Home Insurance

Comment

mightyman
August 16, 2022 • @mightyman

My husband got into an accident with one of their insured and they had broken traffic laws. They would not pay for the damage that their insured had done. I am filing a complaint with the department of Insurance. This is not acceptable. Very dishonest!

Product: Kemper Car Insurance

Comment

dnldduk
July 21, 2022 • @dnldduk

Absolutely not worth the money you are charged. Their online billing system has caused me more time dealing with DMV and my bank with the hoops I had to jump through. At least 4 times my online payment was not posted to my account. Go with someone who has their heads screwed on correctly. I can't get the system to allow me to rate this company with no stars, so I have to put 1 star in, which is not deserved.

Product: Kemper Car Insurance

Comment

scottmsells
July 9, 2022 • @scottmsells

Well let me tell you . I am going to keep it short and simple with so many other companies to get insurance from stay clear of Kemper . The worst experience one could ask for . They are light years behind my present insurance company . They gave me a hard time with their customer was 100 % at fault on a diminished value claim . I am going to take Kemper to court . What a waste of everyone's time especially I am positive the Judge will sway in in favor . I wish they had negative stars I would have picked that !

Product: Kemper Car Insurance

Comment

Laurie Luke
June 27, 2022 • @laurie_luke

They are the absolute worse Company that I've ever had to deal with. One of their insured customers opened his door into the street without looking and it smashed the passenger mirror and door handle off my SUV. Their insured never reported the claim so that was a big hassel and then when we took it in for the estimate, they found damage that we hadn't noticed (Thats why they are trained profesionals) because we didn't report that damage originally, they denied the whole claim. We had to go back to our Ins and put the claim through them. We have retained an attorney and will go from there : )) If I could leave no stars I would because they suck !!!!

Product: Kemper Car Insurance

Comment

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Kemper Q&A(18 questions)

Are Kemper insurance rates competitive?

Upvotes

WalletHub

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

Age	Average Annual Cost of Minimum Coverage
16	$2,507 per year
21	$1,243 per year
25	$942 per year
45	$689 per year
65	$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.

Does Kemper have free towing?

Upvotes

WalletHub

Yes, Kemper does offer free towing for customers who have the company's roadside assistance coverage. Kemper roadside assistance generally costs $10 per six-month policy and includes towing services to the nearest repair facility or up to $75. Kemper customers can request roadside assistance online, or they can call 877-268-7416.

Kemper Roadside Assistance Covers:

Towing services to the nearest repair facility or up to $75
Flat tire change
Fuel delivery
Lockout services
Gas delivery

While Kemper's roadside assistance covers towing and other services, it doesn't cover the cost of repair parts, replacement keys, or major fixes due to things like engine failure or structural damage.

Does Kemper have a military discount?

Upvotes

WalletHub

No, Kemper does not offer a military discount to its customers. Some auto insurance companies, including six of the top 10 providers, do offer discounts that are exclusively available to members of the military community and their eligible family members, but Kemper isn't one of them.

While Kemper does not offer a military discount, specifically, the company does offer a wide variety of other discounts that can help drivers save money. To learn more, check out WalletHub's Kemper review.

Will Kemper insure me with a DUI?

Upvotes

WalletHub

Yes, Kemper will insure you with a DUI. In addition to insuring people who have been convicted of driving under the influence (DUI), Kemper will file an SR-22 or FR-44 form with the driver's state after a DUI conviction, if necessary.

Kemper insurance after a DUI conviction will cost approximately 122% more than a Kemper policy costs for drivers with a clean driving record. After the DUI conviction stops showing up on your driving record, usually within 3 to 5 years, Kemper will decrease your rates.

What to Do If Kemper Denies You Coverage

Even though Kemper insures drivers with a DUI, you may get turned down if you have more than one DUI or a DUI plus other significant risk factors. In this case, your state government will help. Each state has a program that allows drivers who cannot find car insurance coverage elsewhere to get a policy. These insurance programs are typically more expensive and only offer the state's minimum required coverage, so you should shop around before resorting to getting your insurance through the state.

What are the Kemper payment options?

Upvotes

WalletHub

Kemper's payment options are debit cards, credit cards, and checking or savings accounts. Kemper customers can also set up automatic payments using a debit card, a credit card from Discover, Visa, Mastercard, or American Express, or a bank account with Electronic Funds Transfer (EFT). Kemper customers have the option of paying premiums in one lump sum or in semi-annual, quarterly, and monthly payment options. Choosing to pay up front may even result in discounts in some states.

Ways To Pay Your Kemper Car Insurance Premium

Online using Kemper's payment portal
By calling 1-800-437-8394
By mailing a check to Kemper Direct / PO Box 660421 / Dallas, TX 75266-0421
Using the Kemper mobile app

Some of these payment options might not be available in all situations or all states, however. If you have further questions about paying your Kemper premium, you can call 1-800-437-8394.

Kemper Contact

What type of help do you need?

Visit Website

866-860-9348

opens at: 2pm

200 East Randolph St.

Chicago, IL 60601

Local Kemper agents:

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