Alyssa Lane
Kemper Insurance offers a range of insurance products, including auto, life, and business insurance. The company is known for providing coverage to high-risk drivers, such as those with a history of accidents, speeding tickets, or DUI convictions. While Kemper's auto insurance rates are generally higher than the national average, they can be competitive for certain drivers, and the company offers various discounts. Customer reviews of Kemper are mixed, with some praising the company's responsiveness and claims handling, while others complain about poor customer service, delays in reimbursement, and difficulty in reaching representatives.
| Characteristics | Values |
|---|---|
| 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 | $1,340 per year |
| National average for minimum coverage | $802 per year |
| Customer service | Poor |
| Mobile app | Poorly rated |
| Auto insurance discounts | Vary by state and type of policy |
| Number of auto insurance discounts | 8 |
| Number of insurance types | 17 |
| Customer service availability | Monday-Sunday 7 am-12 am CST |
| Roadside assistance | Available 24/7 |
| Insures people with DUIs | Yes |
| Insures people with international licenses | Yes |
| Life insurance options | Whole life, term life, guaranteed issue, accidental and health coverage |
| Life insurance availability | 27 states |
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What You'll Learn
Kemper's customer service
Kemper Insurance is a popular choice, ranking as the 12th biggest insurer in the country, according to the National Association of Insurance Commissioners. The company offers 17 different types of insurance, including auto insurance, life insurance, and business insurance.
While Kemper is a well-known provider, reviews of its customer service are mixed. Some customers have praised the company for its responsiveness and defence of its insured, while others have criticised it for being difficult to reach and unresponsive. For example, one customer on Reddit shared that they had no problems with the company, stating that Kemper has a good reputation in the industry. In contrast, another customer on WalletHub reported that it was challenging to get a response or reimbursement from Kemper after an accident.
One common complaint about Kemper's customer service is the lack of responsiveness from agents and adjusters. Several customers have reported that their calls, emails, and messages have gone unanswered or that they have experienced long delays in getting a response. In some cases, customers have had to resort to writing negative reviews or filing complaints with government agencies to get a response from the company.
Another issue that has been raised is the user-friendliness of Kemper's website and mobile app. Some customers have found the website slow, outdated, and challenging to navigate when trying to access their accounts or insurance information. Similarly, the mobile app has received poor ratings from consumers, impacting the overall ease of use of Kemper's digital services.
Despite the negative reviews, it is important to note that customer service experiences can vary depending on region, agent, and individual circumstances. Some customers have expressed satisfaction with Kemper's customer service, highlighting the importance of considering multiple factors when evaluating an insurance company.
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Kemper's auto insurance discounts
Kemper Insurance specializes in auto insurance for high-risk drivers, including teenagers, drivers with a speeding ticket, and DUIs. Kemper's car insurance rates are based on driving records and experience, as well as factors like the type of car, ZIP code, and insurance history.
Kemper offers eight auto insurance discounts, and customers can save money by:
- Insuring multiple cars: Kemper offers discounts for multi-car coverage.
- Being a good student: Full-time students with a 3.0 GPA or higher are eligible for Kemper's good student discount.
- Owning a home: If the address on the auto policy matches the address on a homeowner's insurance policy, customers may be able to save on their premium.
- Paying upfront: Customers can save money by paying their full insurance premium upfront.
- Having safety features: Kemper offers discounts for car safety features.
- Being a member of the military: Active-duty military and National Guard members may be able to save money on their car insurance with Kemper.
- Completing a defensive driving course: Customers can save money by completing a course in defensive driving or accident prevention.
- Getting a quote in advance: Customers can get a quote before the policy's effective date to save money.
In addition to these discounts, Kemper offers a free opt-in program called Kemper Co-Pilot, which collects information on driving habits in exchange for a 10% discount on the premium when purchasing a new policy. As of 2024, this program is available in Arizona, Georgia, Florida, and Texas, with more states to come.
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Kemper's average insurance rates
Kemper Insurance is rated 1.4/5 by WalletHub's editors, based on customer reviews, insurance quotes, and ratings from third-party watchdog organisations. WalletHub's ratings are determined by its editorial team, and the scoring formula takes into account consumer experience, complaint data from the National Association of Insurance Commissioners, and financial strength ratings. Kemper's NAIC rating is 9.99, indicating that it has received many more complaints than the average car insurance provider.
Kemper Insurance offers competitive rates for certain drivers, including teenagers, drivers with a speeding ticket, and those with a DUI. The company also offers 8 auto insurance discounts. 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 does your eligibility for discounts.
According to WalletHub, Kemper car insurance customers pay an average of $689 per year, which is slightly more than the national average of $671 per year. Note that these rates are approximations based on a 45-year-old driver in California, and actual rates will vary.
For full coverage, Kemper's auto insurance premiums are around $2,279 annually, which is about 5% below the national average. However, another source states that full coverage costs an average of $3,174 annually with Kemper, which is significantly higher than the national average of $2,680. Minimum coverage with Kemper averages $991 per year, over $300 more than the national average, while another source states the average to be $1,340 per year, which is also significantly higher than the national average of $802.
Kemper offers several ways to save money on insurance, including insuring multiple cars, owning a home, paying the full insurance premium upfront, having good grades if you're a student, completing a defensive driving course, and being an active-duty member of the military or National Guard. Kemper also offers a free opt-in program called Kemper Co-Pilot, which collects information on your driving habits and provides a 10% discount on your premium when purchasing a new Kemper policy.
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Kemper's insurance for high-risk drivers
Kemper is a popular choice for auto insurance, specialising in providing insurance for high-risk drivers. The company offers affordable car insurance with flexible policies and comprehensive coverage options. Kemper's rates are competitive for certain drivers, including teenagers, drivers with a speeding ticket, and those with a DUI.
Kemper's auto insurance is available to those who have had difficulty obtaining or maintaining insurance coverage in the past. The company offers SR-22 coverage for drivers with suspended, revoked, or cancelled licences. Kemper also provides insurance for those with only state IDs, Matricula Consular, or international licences.
Kemper offers a range of standard coverage options, including annual policies with low rates locked in for a year, and roadside assistance. The latter includes 24/7 towing, jump-start, fuel delivery, lockout, and tire change services.
While Kemper is the 12th biggest insurer in the country, reviews are mixed. Some customers have praised the company for its competitive rates and willingness to insure high-risk drivers, while others have complained about poor customer service and slow reimbursement processes.
In conclusion, Kemper is a viable option for high-risk drivers seeking affordable insurance, but the company's mixed reviews suggest that customers may encounter challenges with claims and reimbursement.
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Kemper's mobile app
Kemper specialises in auto insurance for high-risk drivers and is the 12th biggest insurer in the country. The company offers 17 different types of insurance, including auto, life, and business insurance. Kemper's auto insurance rates are based on a driver's record and experience, along with factors like the type of car they drive, their ZIP code, and their insurance history.
While Kemper's mobile app has received negative reviews, the company's customer service representatives are available by phone 7 days a week from 7 am to 12 am CST. Additionally, Kemper offers roadside assistance 24/7 for services such as towing, battery jump-starts, fuel delivery, and winching.
Despite some negative reviews of Kemper's mobile app and website, the company has a good reputation in the industry and is respected by some users. Those with positive experiences have praised Kemper's responsiveness and effectiveness in defending their insured. However, others have criticised the company for its poor customer service, slow reimbursement, and difficulty in reaching claims representatives.
Overall, while Kemper's mobile app may have room for improvement, the company offers competitive rates and various insurance options to meet the needs of high-risk drivers.
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Frequently asked questions
Kemper Insurance has mixed reviews on Reddit. Some users have praised the company for being responsive to their prior claims, having a good reputation in the industry, and defending their insured. However, others have criticised the company for its poor customer service, slow and outdated website, and difficulty in reaching them for claims.
WalletHub has given Kemper Insurance 300+ user ratings. The reviews are mixed, with some customers praising Kemper for their competitive rates and good services, while others have complained about the company's slow response times and refusal to reimburse for rental coverage.
NerdWallet was unable to rate Kemper for overall performance due to the lack of available financial strength rating information. Their ratings are based on consumer experience, complaint data from the National Association of Insurance Commissioners, and financial strength ratings.
Kemper Insurance has received mixed ratings for customer satisfaction. While some customers have reported positive experiences with the company, others have complained about issues such as non-responsiveness, difficulties with claims, and poor customer service.
Kemper Insurance's auto insurance rates are generally higher than the national average. Their full coverage costs an average of $3,174 annually, compared to the national average of $2,680. However, Kemper's rates may be competitive for certain drivers, including teenagers, drivers with speeding tickets, and those with a DUI.
