Kemper - Auto

Kemper - Auto

 3.8/5 (453 reviews)
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About Kemper - Auto

This profile has not been claimed by the company. See reviews below to learn more or submit your own review.

Kemper offers low-cost car insurance, nonstandard policies and various discounts in 26 states. It carries basic and customized coverage packages and policies for high-risk drivers who have trouble finding insurance elsewhere. The company provides pet protection and accident forgiveness options, but its specialty coverage is available only in California.

Overall Satisfaction Rating

  • 5 stars
  • 4 stars
  • 3 stars
  • 2 stars
  • 1 stars

Pros

  • Variety of discounts
  • Flexible payment plans
  • Nonstandard insurance options

Cons

  • Not available in all states
  • Specialty coverage only in Calif.

Bottom Line

Kemper specializes in competitive auto policy rates and offers several discounts, such as retro loyalty, safe driving and multipolicy reductions. It provides nonstandard coverage options in California.

Top Kemper - Auto Reviews

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Rated with 5 stars
Verified

I love this company. They are way cheaper than most and they have great customer service. I just had a deer hit my car and they were great… Best company by far. They were so helpf...

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Rated with 5 stars
Verified

… As a young adult insurance costs can be very high. I like that Kemper took into account my clean driving record and everything to provide a cost that is manageable for someone m...

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What is Kemper auto insurance?

Kemper specializes in low-cost auto insurance through its direct-to-consumer model and streamlined marketing efforts. Kemper offers discounts for multipolicy coverage, referrals, paperless billing and safe driving. The company also extends discounts to policyholders who’ve been insured for twelve continuous months or more and to drivers 55 or older who complete a state-approved accident prevention course. It provides nonstandard coverage in California.

Kemper coverage options

Kemper’s coverage includes extras like accident forgiveness and renewal assurance. It also offers pet protection, which pays up to $2,000 if your cat or dog is injured in a covered accident, as well as enhanced car seat replacement with no deductible. Kemper’s dependent protection also provides up to $1,000 in daycare costs if a covered accident leaves you unable to care for your child.

Kemper has a roadside assistance option, which helps out if you get a flat tire, run out of gas or need a jumpstart or towing. Its other coverages include:

  • Rental car reimbursement
  • Trip interruption coverage
  • Guaranteed repairs by a network facility

In some areas, Kemper provides nonstandard auto insurance options for hard-to-insure customers. The company also offers SR-22 insurance and a reconditioned vehicle program that insures vehicles with salvage titles.

Kemper insurance quotes and costs

Kemper doesn’t disclose its rates online, but you can apply for a quote on its website. Its policyholders can save money by bundling policies or paying all or some of their premiums upfront. You can choose between an annual, semiannual, quarterly or monthly payment plan, and many Kemper customers qualify for a down payment of one month’s premium.

Kemper auto insurance FAQ

Who owns Kemper?
Kemper is owned by Infinity Property and Casualty Corporation.
Does Kemper offer gap insurance?
Yes, Kemper offers gap insurance for drivers whose vehicles are declared a total loss.
How do I file a claim with Kemper?
You can contact a claims representative 24/7 to file a claim or do so online.
Where is Kemper auto insurance available?
Kemper auto insurance is available in 26 states: Arizona, California, Colorado, Connecticut, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Maryland, Minnesota, Missouri, Nevada, New Jersey, New York, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, Washington and Wisconsin.

Is Kemper insurance good?

Kemper’s many discounts can help policyholders save money by bundling coverage, paying electronically, driving safely and more. If you’ve been continuously insured by another auto insurance company for 12 months or more, you can switch to Kemper and qualify for a discount. While Kemper’s policies aren’t available in all states, we recommend looking into it if you live in its service area.

Kemper - Auto Reviews

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How do I know I can trust these reviews about Kemper?
  • 4,210,830 reviews on ConsumerAffairs are verified.
  • We require contact information to ensure our reviewers are real.
  • We use intelligent software that helps us maintain the integrity of reviews.
  • Our moderators read all reviews to verify quality and helpfulness.

For more information about reviews on ConsumerAffairs.com please visit our FAQ.

Page 1 Reviews 0 - 10
Rated with 1 star
Verified Reviewer
Original review: March 7, 2023

During the recent storms my car was hit while parked, nothing major but my hatch is dented and water is getting in, the rear view camera went upside down and bumper & plate is dented. my deductible is $500 and the parts cost twice that so I decided to file a claim My insurance was good till March 2nd my incident happened on or before Feb 28th because that is the date I noticed it was hit. No note was left that I could find but for all I know the person left a note and the storm blew it away. Anyway, I go to renew the insurance and today is the 7th.. I had paid the coverage in full so I didn't expect them to be claiming I am not covered and NOW the cost to renew is astronomical! Oh my gosh I am a student. I rely on the car for basic errands. I'm not a crooked person. I wish I called in the incident sooner but I spent a day or two calling around to buy the hatch used somewhere.

I hang up the phone with the rudest customer service rep, when he answered he sounded like he had a texas accent, then as he kept speaking he dropped his fake accent and spoke with his actual voice, he was not American and became rude and outlandish and I just don't understand why he felt he needed to do that. I am confused at all the deception tactics and now I'm sitting here, I gave this company money and they refuse to do the repair? I pay insurance IN CASE something happens.. Over 30 years driving I have never had an accident nor needed to use my insurance. I have been screwed over by the very entity we rely on to help us in case something happens. Insurance companies truly do look for loopholes and I hope someone can go in and sue them for such wrongful deeds.. Contact me if anyone is filing any class action suits. Put an end to deceptive companies.

2 people found this review helpful
Rated with 1 star
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Verified Reviewer
Original review: March 3, 2023

The worst insurance company!!! You cannot reach them at all. I've been waiting for my reimbursement from them over a year already, last 3 month I'm trying to reach them no respond. My Claim number is **.

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    Rated with 1 star
    Verified Reviewer
    Original review: Feb. 8, 2023

    Never ever trust them, I got an auto policy and was able to cancel within their requirements based on my broker. One's cancelled, no balances at all. I received a letter with treats that I will be on collection of I don't pay 1 month + another month late fee. Funny how they decided to add miles on my policy without my consent or call. This is an abuse to customers and because is a yearly deal. You will never pay attention unless you really see them for who they are!! Don't trust them!!!

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    Rated with 1 star
    Verified Reviewer
    Original review: Jan. 14, 2023

    12/12/22 We filed a claim for a vehicle totaled by a tree falling on it and 30 days later not a single response after initial letter giving the claim number and telling us that it is our "duty" to mitigate their expenses. In the mean time we have had to rent a vehicle and pay for it out of our own pocket. They towed the vehicle 2 days after we filed. We have made numerous phone calls, left voice mails, and sent emails to the person handling our claim, his supervisor, and another agent. No one from Kemper has bothered to contact us in any way. The only one that has been of any assistance to us is the person that came out to look at the vehicle and claim it as totaled. She even sent emails to the company representatives on our behalf. This is so unacceptable and unnecessary.

    5 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Dec. 30, 2022

    Tried a new company for cheaper rates. Quoted, accepted, and paid. I received a letter stating there was problems with our roof. No explanation given. Next day received a refund check. They had canceled our insurance. I had been with my previous company for years with no problems! Our roof is not new but we have no problems. They canceled with no explanation. I would not recommend this company to anyone!!! I’ve never been canceled in my life!

    2 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Dec. 5, 2022

    The adjuster would not even let me finish my sentence, even less listening and trying to understand how the accident happened. She had her own version and was very fixed on it. She made no sense of her own version and would not listen to reason or facts. She was just focused on saving $ for the company.

    4 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Sept. 13, 2022

    This company is the worst ever! The customer service is very unprofessional, they do not return your calls or emails. When the adjuster did call me he yelled, told me to figure what needed to be done on my own. William ** told me that he was an independent contacted and that he didn’t have a supervisor yelling that I needed to call and see why the things were not getting done. He is very unprofessional, yelling and taking over me to then tell me to just figure it out and hung up on me. I called to speak with a supervisor which was not much help either. I am without a car due to their insured customer that ran a red light going about 60+ mph and he stated that it was not his fault I have a high-end vehicle which will not be covered because this insurance company let you have the bear minimum cover to basically say you have insurance. This company needed to be shut down and sued.

    9 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Aug. 4, 2022

    Kemper prides itself on serving high-risk drivers, who are otherwise uninsurable. I'm all for helping people get back on their feet after a mistake or mishap, but if you're going to be your brother's keeper, then be your brother's keeper. A Kemper insured driver, who was a known insurance risk, careened down our street while blind drunk, hitting six vehicles, including ours, and impacting on the corner of our home, destroying the brick foundation there and costing us $2K to repair. While the driver was insured, he was also insolvent, and the total damages he caused far outweigh the minimum property liability coverage he was allowed, by Kemper, to carry.

    Blah-blah-blah, within the limits of the law, Kemper is just doing what the law says they must, blah-blah-blah. So we're expecting to receive a pro-rated offer of reimbursement out of the available $5K in coverage the driver had. And he caused in excess of $20K in damages to all injured parties. I will never in my life recommend Kemper to anyone.

    5 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: July 29, 2022

    I don’t know how they have a 3.8 rating, this insurance is terrible. I went out of my way to make an account on Consumer Affairs to leave a review that’s how frustrated I am. My vehicle was totaled Dec of 2021, Merry Christmas right and as of 7/28/22 that I am writing this review, they have yet to pay out my claim which they have already taken responsibility of. The adjuster tried to give me a hard time with the options that my vehicle came equipped with from factory in hopes that I take less than what the vehicle is worth. She asked me to get the original invoice from 15 years ago lol which I was able to get. After that was settled and we agree that I would do my title myself in order to get payment I get a call this is in May of 2022 from a new adjuster. It turns out she fenced off my claim to another adjuster which shouldn’t have gotten it because she doesn’t take care of that state I am in.

    Nonetheless this new adjuster helps me as much as she possibly can and she convinces me to send the title that once she gets it she’ll send payment instead of me having to wait for my state to process the title and get payment even later. When it is time to send me the check July 2022 she says she can’t because she’s missing a document which was sent and shows delivered and signed for but they can’t find. She then adds salt to the wound to tell me the claim has to go back to the previous adjuster because she’s the one that’s supposed to send the check. I know this adjuster will give me the run around again in order to pay out my claim, the problem is they now have my title as well. I’ll update this if I can later.

    5 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Resolution response: May 31, 2022

    This company never calls back or even checks on their customer. Worst customer service ever.

    Original review: May 23, 2022

    I don't even want to give a star, extremely dissatisfied, disappointed. Nobody knows anything, zero assistance. They give you different numbers to call for a simple question and roadside assistance is a joke. I have never had such a bad experience in my life. I am done with this company.

    5 people found this review helpful
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    Kemper - Auto Company Information

    Company Name:
    Kemper
    Website:
    www.kemper.com