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: 1.7/5
- J.D. Power: 3.9/5
- NAIC: 6.59
- BBB: A+
- A.M. 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.