Kemper Auto Insurance Review: Can you get affordable quotes? (2024)

Kemper Insurance reviews find the company with an A- financial rating from A.M. Best. Our review finds that Kemper Insurance may offer competitive auto insurance rates, but that the Kemper Insurance claims process leaves much to be desired. Kemper auto insurance actually consists of three different companies: Kemper Preferred, Kemper Direct, and Kemper Specialty. These companies are separate but all operate under the Kemper Insurance umbrella.

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Travis Thompson

Licensed Insurance Agent

Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...

Licensed Insurance Agent

Ty Stewart

Licensed Insurance Agent

Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications.  As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simpl...

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UPDATED: Dec 18, 2023

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Kemper Insurance is a property and casualty insurance company that sells car insurance under multiple names, including Kemper Auto Insurance, Kemper Preferred, Kemper Direct, or simply Kemper. Founded in Chicago in 2000, the company has grown to insure more than six million policyholders across the United States. Kemper offers a combination of auto, renters, condo, and homeowners insurance in 28 states. In July 2018, Kemper acquired Infinity Insurance. Moving forward, Infinity Insurance products are sold under the Kemper Auto umbrella.

What’s Kemper Insurance History?

Kemper Direct Auto and Home Insurance is a direct to consumer auto insurance company that traces its history back to the year 2000 when Unitrin, Inc. founded an insurance company called Unitrin Direct. In 2002, Unitrin Direct acquired eKemper, then combined the business under Unitrin Direct. It wasn’t until 2011, however, that Unitrin officially began operating under the name Kemper Corporation. By 2012, Unitrin Direct was operating as Kemper Direct.

Today, Kemper Corporation is a publicly traded company (NYSE:KMPR), and Kemper Direct continues to sell car insurance to customers across the country. After acquiring Infinity Insurance in 2018, much of Kemper Direct’s business has been combined with Infinity Insurance. Today, Kemper seems to be moving the Infinity Insurance brand forward under the name Kemper Auto / Infinity. However, it’s possible that the Infinity Insurance name will be removed entirely in the near future.

Although headquartered in Chicago, Kemper Direct also has offices in Carlsbad, Scranton, Plymouth Meeting, Chattanooga, and Tampa. Today, the company is known for offering competitively-priced premiums, strong benefits, and special features for certain demographics.

Kemper car insurance actually consists of three separate companies, including Kemper Preferred, Kemper Direct, and Kemper Specialty. The three companies operate independently of one another but all exist under the Kemper umbrella. Kemper also owns four other insurance companies, including Infinity Insurance, Alliance United Insurance, Unitrin Auto Insurance, and Financial Indemnity Company.

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What Are Kemper Auto Insurance Rankings?

Kemper is a middle-of-the-road car insurance company in most categories. The company ranks about average with its competitors across the United States.

Since Kemper isn’t one of the largest auto insurance companies in the United States, the company isn’t ranked by J.D. Power, which typically ranks insurers based on claims satisfaction and other metrics.

However, financial strength rating agency A.M. Best has ranked Kemper Financial. The company received an “A-” or “Excellent” rating in January 2019, indicating that Kemper Financial and its subsidiaries like Kemper Auto Insurance should have no issue paying their liabilities.

What Makes Kemper Auto Insurance Unique?

Kemper offers many of the same car insurance policies and features as other major insurers across the United States. Some of the features that make this company unique include:

Only Available Through Insurance Agents: One thing that immediately distinguishes Kemper from its competitors is that quotes are not available online or over the phone. You cannot buy coverage directly from the company. You must work through one of Kemper’s independent car insurance agents. However, customers can still log into their accounts online and manage their claims easily. You can make a claim through your Kemper insurance agent or through the 24/7 online claim processing form.

Read more:

Multiple Kemper Companies: Kemper has three core divisions, including Kemper Direct (which sells online-only insurance policies direct to consumers without using insurance agents), Kemper Specialty (which sells specialty car insurance in California and other states to high-risk or specialty drivers), and Kemper Preferred (which sells ordinary car insurance premiums through a network of insurance agents nationwide).

Competitive Pricing: Generally, Kemper is known for offering competitive pricing on its premiums. Most studies indicate that Kemper’s premiums are slightly lower than the average. However, due to the fact that Kemper consists of multiple insurance companies, rates vary widely across demographics and states.

Family-Oriented Discounts: Many of Kemper’s discounts revolve around families, including good student discounts, home insurance bundling discounts, and multi-policy discounts, making this company one of the best options for families.

Is Kemper a Good Car Insurance Company? Our Review

Kemper offers a wide range of insurance products through its family of insurance companies, including Kemper Preferred and Kemper Direct. Generally, the company is known for offering competitive prices on car insurance premiums. However, Kemper has poor to average claims satisfaction ratings overall.

It’s also important to note that while Kemper charges low rates to certain demographics, other demographics pay much higher rates. For example, Kemper is particularly popular among families who can access discounts for home/auto insurance bundling and good student discounts, but it’s more expensive for single adults, retirees, and others.

Your experience with Kemper will vary based on the number of discounts for which you qualify. For example, families with multiple students earning good grades will pay much cheaper rates with Kemper than a single adult. Families bundling home and auto insurance policies together can qualify for even further discounts. Other discounts are available for driver safety classes, students away at college, and more.

If you’re getting car insurance through Kemper Preferred, then you will only be able to purchase insurance through the company’s network of independent car insurance agents. You cannot buy coverage online or over the phone. However, you can buy Kemper Direct through the company’s online-only comparison form. And, since Kemper recently acquired Infinity Insurance, you can still request a quote through the Infinity Insurance website to get a Kemper auto insurance quote.

Read more: Affordable Infiniti Auto Insurance Quotes

Overall, Kemper offers a standard range of car insurance products available at discount prices for certain drivers and higher prices for other drivers.

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What Are Kemper Auto Insurance Policies and Products?

Kemper Insurance offers a standard set of auto insurance coverage options along with a few additional options. Some of the features that make Kemper car insurance policies unique include:

Kemper Total: Kemper Total bundles multiple benefits for new car owners together into one convenient package. Kemper Total includes new car replacement (even if your vehicle is more than one year old) and increased rental car allotment while your vehicle is being repaired, among other features.

Parked Auto Protection: Kemper has a feature we don’t see with many other insurance companies. If your car is parked and unoccupied and struck by another vehicle, then your collision deductible is waived through the Kemper Parked Auto protection system.

Car Insurance Discounts: Kemper offers a range of discounts available to policyholders, including many of the same standard discounts seen with other providers. There are discounts for students away at school, for example, students achieving good grades, car safety features (anti-lock brakes, anti-theft device, etc.), multi-policy discounts, home and auto insurance discounts, and more.

Standard Coverage Options: Kemper offers a range of standard coverage options for car insurance policyholders, including liability (bodily injury and property damage), uninsured motorist, collision, comprehensive, and roadside assistance coverage.

Final Word

The Kemper family includes three separate brands, including Kemper Direct, Kemper Specialty, and Kemper Preferred. The three companies operate independently of one another, and pricing and plans vary widely between companies. Typically, Kemper Direct and Kemper Preferred are the two companies people refer to when buying Kemper insurance. Since the acquisition of Infinity Insurance in 2018, however, many Infinity customers have been added to the Kemper as part of the “Kemper Auto / Infinity” name.

Reviews
for kemper corporation

2.84 (209 reviews)
1
July 14, 2023

lisal

Stay far away

Kemper changed my policy from a 12 month to a six month- but same payment. Doubled my premium. Reason: a glass claim. $500 windshield. I dared to use coverage I have paid for for many years but never needed before. My punishment for daring to use what I bought?? Doubling my premium. Stay far away from this shady company.
1
May 15, 2023

deniser89

Negligent Company

I have been completely ignored since i submitted my claim on 02/28/2023. My car was stolen. I did everything that was instructed of me and not once have a i received a call from any of the agents assigned to me, or any of the supervisors I have left voicemails to. I had questions I needed answers to and no one would call me. I find this to be completely unprofessional and negligent of customers. I have also sent an email and forwarded to my lawye...
I have been completely ignored since i submitted my claim on 02/28/2023. My car was stolen. I did everything that was instructed of me and not once have a i received a call from any of the agents assigned to me, or any of the supervisors I have left voicemails to. I had questions I needed answers to and no one would call me. I find this to be completely unprofessional and negligent of customers. I have also sent an email and forwarded to my lawyer who is ready to take action but I have been trying my best to give the benefit of doubt that maybe just maybe this week they will finally give me a call with an actual update. Its about to be three months and i am running out of patience. I don't know how anyone would continue to work with Kemper / Infinity after having these issues.
1
May 6, 2023

Moni_R

Horrible insurance

No communication, accident happened 5 days ago. They said someone would come look at the damage of the car….NO body ever called or showed up. They offer no rental service coverage. This issuance is by far the worst I highly do not recommend.
1
April 25, 2023

Josh_P

Kemper auto insurance is a scam

Horrible auto insurance company. Poor customer service, poor adjusters, and poor appraisers. These guys are crooks that only look out for their bottom line and saving their company money. DON'T USE!!!!
0.5
April 20, 2023

Josh Pico

Kemper Corporation review

Kemper/Infinity Auto Insurance is a scam! They will collect your premiums without helping you in the time of need. Absolute crooks. DON\'T USE THEM!!! Department of Insurance complaints confirm this review. Avoid this company, they will not take care of you.
1
April 24, 2022

Karla_

Too expensive!

Kemper is a rip off. My payment goes up a few dollars after a few months and they just disregard it as ‘it’s just a few dollars’. Maybe I don’t have a few dollars and thought the agreed amount would stay the same. Be aware. I would never refer to them to anyone. As careful of a driver as I am I don’t feel comfortable they would cover damages from an accident.
1
April 2, 2022

Moquendo_

This company is not trustworthy! Look for another insurance

Beware of these people, I renewed my insurance policy with them, paid in full and then get a bill the next month for $904.00 more! I called and spoke with [REDACTED NAME] she basically said that my insurance increased because the change of address, BUT I was not informed of this at the time of renewal. Now I have to either come up with an extra $375 within a week or I’ll have to pay the $904. There are many companies, don’t go with them they ...
Beware of these people, I renewed my insurance policy with them, paid in full and then get a bill the next month for $904.00 more! I called and spoke with [REDACTED NAME] she basically said that my insurance increased because the change of address, BUT I was not informed of this at the time of renewal. Now I have to either come up with an extra $375 within a week or I’ll have to pay the $904. There are many companies, don’t go with them they will blind side you with extra charges!
1
July 10, 2021

sergeche

the worst insurance ever

If you don't want to loose your money, time and nerves never have any business with this company. My car was declared total loss more than 2 months ago, their adjustors and supervisors just never call you back. When you try to reach them, you never spend less than 40 minutes on the phone line,waiting for somebody to answer, you leave your information again and again and nobody calls your back. Next week I will go to the consumer protection agency...
If you don't want to loose your money, time and nerves never have any business with this company. My car was declared total loss more than 2 months ago, their adjustors and supervisors just never call you back. When you try to reach them, you never spend less than 40 minutes on the phone line,waiting for somebody to answer, you leave your information again and again and nobody calls your back. Next week I will go to the consumer protection agency, because people should be protected from dishonest business practices
1
July 6, 2021

Garrett_W

THE WORST INSURANCE COMPANY EVER - THEY WILL NOT HELP YOU

If you want a claim to be handled, at all, when you are 100% not at fault, stay far away from Kemper! I was involved in a crash 2/22/2021 and was 100% not at fault and Kemper still has not taken care of my claim. I have had three different adjusters who either stop responding or tell me "a manager will get back to me" (5 times now) or "it is being reviewed by the _____ team now" (3 times now) and nother ever happens. IT HAS BEEN FIVE MONTHS FO...
If you want a claim to be handled, at all, when you are 100% not at fault, stay far away from Kemper! I was involved in a crash 2/22/2021 and was 100% not at fault and Kemper still has not taken care of my claim. I have had three different adjusters who either stop responding or tell me "a manager will get back to me" (5 times now) or "it is being reviewed by the _____ team now" (3 times now) and nother ever happens. IT HAS BEEN FIVE MONTHS FOR A $2,000 CLAIM AND THEY WILL NOT HELP ME. THE WORST COMPANY I HAVE EVER DEALT WITH.
1
June 28, 2021

MsKendall

Worst Customer Service

I have been stranded for over 3 hours and continue to call Kemper claims for road side assistance. They initially had me on hold aware I was stranded on the side of the road then disconnected the call with no return call. It may be that their call service is in India; however it is horrible customer service. I have now called over 7 times and they continue to disconnect the call. While the rate is reasonable, you definitely get what you pay f...
I have been stranded for over 3 hours and continue to call Kemper claims for road side assistance. They initially had me on hold aware I was stranded on the side of the road then disconnected the call with no return call. It may be that their call service is in India; however it is horrible customer service. I have now called over 7 times and they continue to disconnect the call. While the rate is reasonable, you definitely get what you pay for. I will researching a new auto insurance and pay the slightly higher premiums.
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