Kemper Insurance Review
Kemper is rated 2.2/5 by WalletHub’s editors, based on customer reviews, sample insurance quotes, and ratings from organizations such as J.D. Power and the Better Business Bureau (BBB). Kemper insurance reviews from consumers tout the company’s affordable prices, but drivers who want more attentive agents may want to shop elsewhere, as Kemper has a reputation for poor customer service compared to other similar carriers. Its NAIC rating is also 6.59, which means Kemper 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: 1.9/5
- 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 – 31st among 46 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.
Sample Kemper Auto Insurance Quotes
21 years old
$443 per month
30 years old
$223 per month
42 years old
$210 per month
Kemper is expensive compared to many of its competitors. The company ranks 31st out of 46 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?
Overall, WalletHub’s editors give Kemper a rating of 2.2/5, driven by its unique coverage options, competitive rates and nationwide service.
Kemper is a winner when it comes to the types of insurance options available – offering coverage for your car, home, health, business, and more. The company also receives especially high marks for its claims process and generous discounts, which include savings for homeowners and drivers of alternative fuel vehicles. But Kemper lost points because the company falls short when it comes to customer service.
To learn more, read WalletHub’s complete Kemper insurance review, or check out some of the reviews from fellow consumers below.