Orlando Harmon
Kemper Insurance is a large insurance company that offers auto insurance, home insurance, health insurance, motorcycle insurance, business insurance, and life insurance, as well as other products. The company is a popular choice for high-risk drivers, including those with DUIs or poor credit, and those who need SR-22 coverage. While Kemper's auto insurance rates are generally higher than the national average, its home insurance rates are more competitive. Kemper also offers various discounts and coverage options, and its financial stability makes it a reliable choice. However, the company has received numerous complaints, particularly regarding its mobile app and customer service.
| Characteristics | Values |
|---|---|
| Kemper's average auto insurance rates | Higher than the national average |
| Full coverage | $3,174 annually |
| National average for full coverage | $2,680 per year |
| Minimum coverage with Kemper | $1,340 per year |
| National average for minimum coverage | $802 |
| Kemper's home insurance rates | More competitive than national average |
| WalletHub editor rating | 1.4/5 |
| WalletHub user reviews | Kemper is expensive compared to competitors |
| Kemper's NAIC rating | 9.99 |
| National Association of Insurance Commissioners ranking | 12th biggest insurer in the country |
| NerdWallet rating | N/A |
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What You'll Learn
Kemper's auto insurance rates are higher than the national average
Despite Kemper's higher-than-average rates, the company offers coverage for high-risk drivers, including those with DUI convictions, poor credit, or a history of accidents or ticket violations. Kemper also provides insurance for drivers with non-standard licenses, such as international licenses or state IDs. These factors may contribute to Kemper's higher rates relative to the national average, as they serve a unique customer demographic with more significant insurance needs.
While Kemper's rates are higher, they offer various discounts and coverage options that may make their insurance plans more affordable for certain individuals. For example, Kemper offers a paid-in-full discount for those who pay the full premium upfront. They also provide a multi-car discount, a defensive driver discount, and a discount for military members. Additionally, Kemper's Co-Pilot program offers a 10% premium discount for customers who share their driving habits through the Kemper Co-Pilot mobile app.
It is worth noting that auto insurance rates can fluctuate, and individual rates may differ based on various factors. As such, it is recommended to request quotes from several insurance providers before purchasing a policy to ensure you are getting the most competitive rate for your specific needs and circumstances.
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Kemper offers competitive rates for non-standard auto insurance
Kemper is a large insurance company that operates in all 50 states and offers auto insurance, home insurance, and other products. While Kemper's auto insurance rates are generally higher than the national average, they can be competitive for non-standard auto insurance. This includes coverage for high-risk drivers, such as those with a history of accidents, ticket convictions, DUIs, or poor credit.
Kemper specializes in providing insurance for drivers who may struggle to secure coverage from standard providers. This includes drivers with international licenses, state IDs, or no license at all. Kemper also offers SR-22 coverage for drivers with suspended, revoked, or canceled licenses.
In addition, Kemper provides insurance for salvaged vehicles, insuring most "salvage title" vehicles that were rebuilt after being totaled in an accident. This makes Kemper a viable option for those seeking non-standard auto insurance.
Kemper offers a range of discounts that can make their rates more competitive. These include the Retro Loyalty™ discount for switching to Kemper, the Safe & Sound® discount for being accident-free for at least three years, and the Happily Married discount for couples. Other ways to save money with Kemper include insuring multiple cars, owning a home, paying the full insurance premium upfront, and having good grades as a student.
While Kemper's rates for full coverage and minimum coverage are higher than the national average, their home insurance rates are more competitive. They also provide bundling options, allowing customers to bundle home and auto insurance, which can result in cost savings.
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Kemper offers cheaper home insurance rates than the national average
Kemper Insurance, founded in 1990 and headquartered in Chicago, is the 12th biggest insurer in the country. It offers auto insurance, home insurance, health insurance, and other products.
While Kemper's auto insurance rates are higher than the national average, its home insurance rates are more competitive. Kemper's average auto insurance costs $3,174 annually for full coverage, compared to the national average of $2,680. Minimum coverage with Kemper averages $1,340 per year, which is significantly higher than the national average of $802.
Kemper specializes in auto insurance for high-risk drivers, such as those with a history of accidents, ticket convictions, DUIs, or poor credit. The company offers SR-22 coverage for drivers with suspended, revoked, or canceled licenses. In addition, Kemper provides coverage for drivers with state IDs and international licenses, which can be challenging to obtain from other providers.
Despite its competitive rates for certain demographics, Kemper has received mixed to poor reviews for customer satisfaction. It has a rating of 1.4/5 from WalletHub editors and has received a higher number of complaints than the average car insurance provider.
To summarize, while Kemper's auto insurance rates may be higher than the national average, its home insurance rates are more competitive. The company caters to high-risk drivers and offers a range of insurance products and services. However, customers should be aware of the reported issues with customer satisfaction and service.
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Kemper offers a variety of discounts to customers
Kemper's auto insurance rates are generally higher than the national average. However, the company offers coverage for drivers with a DUI, which may be helpful for drivers who are unable to secure coverage from standard providers. Kemper also provides insurance for rebuilt "salvage title" vehicles. These factors may contribute to the company's competitiveness in certain niche markets.
Kemper offers a range of discounts to its customers, including:
- Multi-car coverage: Kemper offers discounts for insuring more than one car.
- Homeowner's discount: Customers with a homeowner's insurance policy can save on their auto premium if the address on the homeowner's policy matches the address on the auto policy.
- Student discount: Full-time students with a GPA of 3.0 or higher are eligible for discounted rates on their auto insurance.
- Military discount: Active-duty military personnel and National Guard members may receive discounted rates on their car insurance.
- Defensive driving course completion: Customers who have completed a course in defensive driving or accident prevention may be eligible for a discount.
- Safe & Sound: Customers who have been accident-free for at least three years can receive a discount.
- Happily Married: Married couples or those in a legal partnership can receive a discount.
- Retro Loyalty: New customers can receive a discount for switching to Kemper.
- Car safety features: Kemper offers discounts for vehicles with safety features.
- Annual policies: Kemper allows customers to lock in low rates for an entire year, helping them save money.
- Advance quote: Customers can receive a discount by obtaining a quote in advance of the policy's effective date.
- Kemper Co-Pilot: In some states, new customers can get a 10% discount by sharing their driving habits via the Kemper Co-Pilot mobile app.
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Kemper's customer satisfaction ratings are low
WalletHub editors give Kemper a rating of 1.4/5, with consumers reporting above-average prices and poor customer service. Kemper's NAIC rating of 9.99 also indicates that it has received more complaints than the average car insurance provider. The company's mobile app is also rated poorly by consumers, with a rating of 1.4 out of 5 stars on the iPhone app store.
NerdWallet notes that Kemper has far more complaints than similar-sized companies, and Kemper received a below-average rating in the J.D. Power customer satisfaction survey in California. In the CRASH Network 2025 Insurer Report Card, a survey of body shops asking how well auto insurance companies respond to claims, Kemper ranked 76 out of 97.
While Kemper's rates are higher than average, they may be competitive for nonstandard auto insurance, such as for high-risk drivers with a history of accidents, ticket convictions, or DUIs. Kemper also offers coverage for drivers with international licenses, which can be difficult to obtain from other providers. However, drivers with a clean record will likely find better rates from other insurance companies.
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Frequently asked questions
Yes, Kemper Insurance is a popular choice for high-risk drivers with DUI or poor credit who are looking for car insurance. They also offer SR-22 coverage for drivers with suspended, revoked, or canceled licenses.
Kemper's auto insurance rates are generally higher than the national average. However, drivers with a history of accidents or ticket convictions may find competitive rates for nonstandard auto insurance.
Age is a key consideration when calculating insurance rates. Young drivers have less driving experience and a higher likelihood of filing claims, resulting in more expensive rates. Other factors include driving history, state of residence, and policy type.
Yes, Kemper offers various discounts on auto insurance. These include multi-car discounts, paid-in-full discounts, defensive driver discounts, and military member discounts.
