Kemper

341 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:

2.5 / 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 03/23/2023.

1.6

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WalletHub
January 26, 2023 • @WalletHub

editor's review

Kemper Insurance Review

Kemper is rated 2.5/5 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 3.60, 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: 3.7/5
NAIC: 3.60
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	$178 per month
21-Year-Old	$104 per month
45-Year-Old	$57 per month
45-Year-Old with a Speeding Ticket	$67 per month
45-Year-Old with DUI	$103 per month
55-Year-Old	$59 per month
65-Year-Old	$62 per 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 2.5/5 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

Nom de Plume
December 21, 2022 • @Apotropaist

Six months after a Kemper customer caused an accident that destroyed my vehicle, I have not received a penny from them. They declared my vehicle totaled and towed it away a month after the accident, but still won't answer my phone calls asking where it is or when they will make an offer.

Comment

xraydiazjj123
March 23, 2023 • @xraydiazjj123

someone with this insurance hit my car from behind, I have tried to locate my adjuster and this is impossible, no one responds even though I have left many messages on the number they gave me, the other day the only person I was able to speak to was Mr. Alfredo Simotu after he told me what I had to do, he told me your adjuster is Michelle Campo, whom I have called her many many times, I have even sent her an email and nothing, no one answers, good luck with this garbage insurance.

Product: Kemper Car Insurance

Comment

Spencer Sessions
March 20, 2023 • @Spencerpsession

I've tried to reach out to an adjuster 3 DOZEN times and they will only respond if you threaten with legal action. They are so disingenuous. You can tell they have to put on a smile and a show just so they can push your paperwork back to the bottom of the pile.

I've wasted dozens of hours trying to get my claim resolved and when I mentioned this to them they say it's "just a part of the process".

No order, no integrity, or no responsibility means they'll keep operating out urgency - which means terrible customer service for you. I hope their whole business shuts down. No one deserves to pay money to a company and be treated like this.

Product: Kemper Car Insurance

Comment

sanderson267
March 20, 2023 • @sanderson267

A bunch of liars. Canceled the policy for nonpayment but never ran the payment, the account has overdraft protection. Didn’t inform me for 8 days, so of course we need a total rewrite of the policy for MORE MONEY. Don’t waste your time on the scammers

Product: Kemper Car Insurance

Comment

Jennifer Dawn Lee
March 14, 2023 • @sept101996

Covered NOT. Paid out a claim on first car & got new car. months later I crashed & they told me I had no insurance & wasn’t cover. Then tell me the last six months premium was paid for a totaled car

Product: Kemper Car Insurance

Comment

vps0001
March 4, 2023 • @vps0001

I am a business owner that spend a lot of money on insurance I wanted to share with you some information:
Kemper insurance hands down the worst insurance company I have ever had. I have had small companies that were tens of thousands times better than this company. I had two accidents the first one an employee got hit in an intersection and never to this day have gotten a resolution a call from an adjuster nothing. thought it was a fluke but on Feb 24 my car was hit by gun fire here it is march 4 still no communication no rental car the dealer ready to start repairs no communication no call backs but my 1498.09 was pulled from my account promptly.I want out this company is a complete joke I’m so upset I’m canceling them and the broker for setting me up with them. Small businesses should depend on there insurance companies to be are safety net
I’m out here ubering from place to place this is a joke

Product: Kemper Commercial Auto

Comment

Nick Sanchez
February 17, 2023 • @nickasanchez011

My experience with Kemper insurance has been extremely disappointing, and I wouldn't recommend their services to anyone. I have been dealing with a claim for a month now, and there has been little to no progress in getting it resolved. The adjuster assigned to my case, Karina Sanchez, has been nearly impossible to reach, and when I do manage to speak with her, her updates are brief and unhelpful.

I am extremely frustrated with the lack of communication from Kemper insurance, and I feel like I've been left in the dark throughout this entire process. What's worse is that Kemper doesn't offer overnight or expedited shipping on their mailed checks, which has only made this experience more frustrating. I find it unacceptable that they cannot provide faster payment processing, especially given the inconvenience that their lack of communication and slow payment processing has caused me.

Overall, I am extremely disappointed with Kemper insurance, and I strongly urge anyone looking for insurance to consider other options. My experience has been one of frustration, disappointment, and inconvenience. I hope that others can avoid going through what I have, and find an insurance company that values its customers and provides better service.

Product: Kemper Car Insurance

Comment

John Dalton
February 14, 2023 • @dw11891

Kemper has been pretty consistent with our policy. There was a claim filed last year and the process was pretty easy and smooth. I would recommend.

Product: Kemper Commercial Auto

Comment

lgtrz626
February 13, 2023 • @lgtrz626

After seeing all these reviews I totally regret switching to Kemper after being insured with all state, was one of my biggest mistakes. Customer service is awesome but as far as claims department and trying to get a hold of an adjuster is by far the worst.... I submitted my photos a week ago to receive my estimate and still have not heard from the claims department or my adjuster...The only reason I put 2 stars is there customer service department other then that please from personal experience do not get Kemper insurance other insurances might be more pricey but in the long run it is much better.

Product: Kemper Car Insurance

Comment

Angie B
February 10, 2023 • @angie_bergeron

*Worse than bad - they're incompetent!*

OVERALL EXPERIENCE: For Home, Umbrella & Auto - Extremely limited service hours - 9-5, Monday-Friday. Web portal offers only your paperwork or quotes. Massive communication issues between local agent offices and the national office. One hand has no idea what the other is doing. Literally, every time we reached out, something went gone wrong. Bad customer service is one thing, but this company is incompetent.

COST: The sample rates shown on WalletHub's Kemper page are BS. My husband. I am over 45, my husband over 50. Clean drivers - no tickets or at fault accidents. Our premium for two cars is $839 per month for 6 months - that's with a $500 deductible. Outrageous!

SERVICE EXAMPLE #1: Following a small, simple ceiling leak from an upstairs toilet, it took Kemper more than 1yr to pay $2,500 to the service providers.

SERVICE EXAMPLE #2: We bought a car and asked the National office (because we repeatedly couldn't reach local office) to add the new car to our auto policy and drop the car we had traded in. National office sent the request to the local office, who ignored the request. We learned *8 months* later that they never did. It took them 2 weeks, hours of phone calls and many emails to resolve the issue.

SERVICE EXAMPLE #3: We bought a SUV and sold the one it was replacing. We asked them to add the new SUV to our auto policy and remove the one we sold. A month later, we learned they had never removed the one we sold.

After 3 years, we are moving all of our policies to another carrier.

Product: Kemper Home Insurance

Comment

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Kemper Q&A(20 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.

What is the phone number for Kemper roadside assistance?

Upvotes

Catherine C Ford, Writer

The phone number for Kemper roadside assistance is 877-268-7416, and representatives are available 24/7. Kemper's roadside assistance provides customers across the U.S. with coverage for towing, battery jump-starts, and more.

What Kemper Roadside Assistance Offers

Free towing for 10 miles per tow
Jump starts
Lockout services
Fuel delivery
Tire changes
Winching/extraction

To learn more about your options for roadside assistance, check out WalletHub's guide on the best roadside assistance companies.

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

Yes, Kemper does have a military discount on auto insurance premiums. The Kemper military discount is available to members of the United States Armed Forces community who are on active duty, retired, or members of the National Guard or Reserves. To apply, call 1 (866) 860-9348.

Kemper Military Discount Eligibility Requirements

Are an Active Duty Soldier
Are an Active Guard Reserve Soldier
Are a retired and/or honorably discharged military veteran

To learn more, check out WalletHub's Kemper review, as well as our picks for the best military car insurance companies.

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 79% 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.

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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