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Kemper - Auto
Overall Satisfaction Rating
1.80/5
  • 5 stars
    5
  • 4 stars
    3
  • 3 stars
    3
  • 2 stars
    1
  • 1 stars
    24
Based on 36 ratings submitted in the last year
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Kemper - Auto

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Kemper sells many types of insurance, including auto insurance. InsuraMatch is not working with Kemper yet, buy you can get multiple quotes from 26 verified carriers within minutes by calling InsuraMatch today. *ConsumerAffairs insurance program, powered by InsuraMatch.

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BOTTOM LINE

Kemper offers low-cost car insurance to 26 states. Most customers who have switched to this company claim to have saved 20% on their insurance premiums. Many customers are also happy with their claims experience. The company carries basic and customized insurance packages and high-risk policies that other companies do not offer.

PROS

  • Insurance enhancements to Protect Your Wallet, Protect Your Sanity and Protect Your Family
  • High-risk policies
  • Competitive rates compared to big brands
  • A wide selection of discounts, such as referral, married couple, loyalty and senior discounts
  • Easy online quote process

CONS

  • Not all vehicle brands and models covered
  • Limited availability statewide
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131 Kemper - Auto Consumer Reviews and Complaints

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Page 1 Reviews 1 - 30
Rated with 1 star
Verified Reviewer
Original review: Dec. 11, 2018

Twisted billing sucks big time. Kemper is good only to get you money monthly. I never filed a claim which to my credit of good driving, not them. Notified their CS via email/call a month in advance that I will cancel the policy. Paid last month, provided new policy to cancel, got a cancellation notice from them dated next day after the date it was paid through by last premium. And 2 months after that I'm still getting a monthly amount bill keeps on coming. Spoke with their Billing Dept - they are even unable to ground and explain in a human sound mind terms that charge but harassed me with Collectors and ruining by CScore. May they be treated according to their wicked billing that embezzles money after their own Cancellation Notice is issued.

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Rated with 1 star
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Verified Reviewer
Original review: Dec. 7, 2018

I was hit by a driver insured by Kemper— 100% the other driver's fault, and he admitted it. What should be a smooth and straightforward experience has been a nightmare because of Kemper's inability/unwillingness to deal with the situation. After four phone calls and as many emails, I had to wait nearly a month before my messages were returned by Kemper, and this is after my insurance company threatened to call the adjuster's supervisor (The adjuster at Kemper also gave me incorrect contact info, so I had to research it myself to track her down).

Then, after the repairs were assessed, they never called me to let me know— which was their responsibility— resulting in further delays. I'm still not out of the woods yet, as the repairs have not been done. And I'm dreading there being a situation in which I again have to rely on communication from Kemper. If that happens again, I know now that I'll have to be the one calling and emailing and threatening in order to get them to do their part. Absolutely dreadful, terrible company.

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3 people found this review helpful
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Rated with 1 star
profile pic of the author
Verified Reviewer
Original review: Nov. 20, 2018

I was hit by a driver who ran a red light. My car was deemed a total loss. After weeks of multiple phone calls/emails with no response, I finally received an email from the total loss adjuster as well and a settlement offer. The offer was a JOKE... I called to discuss this with the adjuster...and ask why such the lowball on and upgraded 2015 car? The response was based on current value. I pulled over 20 comps of the car that were well over the amount we were offered, which did not even come close to covering what is owed on the car.

I asked them to extend the rental (my only means to get to work) while we submit a rebuttal to fight the lowball over they gave us, they said absolutely not! This accident was not even my fault...and I feel as if I am being punished for something I could not have prevented! We have our home and auto bundled with this company. Once this is all over...they will lose our business 100%! We pay $500 a month and get treated like nobodies. HORRIBLE. JUST HORRIBLE.

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6 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Nov. 13, 2018

I bought a RV travel trailer at which time I of course got insurance for it through Kemper insurance and I was even was given an option to increase coverage to 10,000. So I did increase it. And while in storage it got damaged and they totaled it. And instead of paying 7,000 to repair it they gave me 3,000 and took 3 different claims agents and months of storage fees and damage increasing. So they charged me more to get better and higher coverage and still didn’t even get it fixed.

4 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Nov. 12, 2018

Neighbor ran into me at a stop sign and the body shop estimated $4,200 damages. Kemper estimated $2,400, both estimates were with used parts. When the used parts arrive, they were damaged worst than the original parts on the car and couldn't be repaired. Six weeks into the process and I have a low ball estimate and I can't open the hatch of my SUV. The process doesn't appear to be any better for my neighbor.

2 people found this review helpful
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Rated with 1 star
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Verified Reviewer
Original review: Oct. 30, 2018

I have Kemper insurance, opened a claim, and was working with two representatives. Both never responded to me. The first requested some information, which I sent, and never called me back despite leaving multiple voicemails. I then received a letter from them threatening to close my claim because they said that I was unresponsive. I immediately called the agent listed on that letter and again, no response. I even spent a follow up email explaining everything and left another voicemail. Still no response. I really hate the customer service with this company. It might be cheaper, but do yourself a favor and go with a better company. No point in paying less if you can't even use your insurance to settle a claim.

8 people found this review helpful
Rated with 4 stars
Verified Reviewer
Original review: Oct. 29, 2018

The price of the insurance is good and the coverage seems good. My sister also has the same company and she had to file a claim a couple of times and it seemed to go through without any issue so I am reasonably confident I wouldn't have any issues if I had to do it.

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Rated with 1 star
Verified Reviewer
Original review: Oct. 18, 2018

I was hit by a driver "insured" by Kemper. It was 100% his fault. He turned left directly in front of my car. After five days of countless calls no one at Kemper has bothered to contact me. After looking at other reviews it is pretty obvious that this is their usual business practice. I really wonder about the handful of five star reviews.

15 people found this review helpful
Rated with 1 star
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Verified Reviewer
Original review: Oct. 1, 2018

The adjuster for the claim never answered the phone. I tried calling the supervisor of the claims team and no respond. The customer service representative did not know any details about the claim and they only forwarded the calls to the adjuster. It was a loop with no ending. Avoid dealing with Kemper Insurance as much as you can.

10 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Sept. 30, 2018

I am writing this 'review' over a year later- mainly due to what Kemper did and how it has continued to affect my 86 yr. old Dad and myself, in my 60's and disabled. In 2017, my Dad asked that some of the 'limits' of a couple sections of his homeowners' policy be 'lowered'... first and foremost, because they were excessively high, which was unnecessary for such a tiny early 1920's home. Not long after... they sent him (us) a notice to 'non-renew' for a bunch of nonexistent reasons, such as 'tree's touching the dwelling' etc which were blatantly UNTRUE!

We were able to obtain (finally) another policy for less money and BETTER coverages but learned along the way that apparently when an Insurance company badmouths a residence... it is easily LOOKED UP (even if totally inaccurate) by other companies!! So, while we obtained another policy 9 months later THAT company sent a notice of 'non-renewal' listing the 'tree's' etc! I left THAT company a review much like this one! Kemper you made a fortune off my Dad for years. My then wife of some years back who WAS an Insurance agent told him he was 'paying too much' and offered to get him a palatable rate (which he didn't do). Kemper is a nasty, heartless and in my opinion (like MOST Insurance companies) EVIL entity that should be AVOIDED- or if you HAVE a policy find those rare Insurers who are still human, rather than NASTY!

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5 people found this review helpful
Rated with 1 star
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Verified Reviewer
Original review: Sept. 10, 2018

Went with another insurance company, had all the paperwork from new company forward to Kemper. Yet they withdraw a payment from our bank account 6 days after we canceled the policy. It's been over 6 days and still can't get our money refunded. Stay away from this company.

9 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Sept. 4, 2018

I purchased a new vehicle. I had to cancel my policy. I was told the policy had not been effect for 60 days therefore I could not cancel. Lo and behold I just got off the phone with them and you can cancel before the 60 day period. Money has been deducted from my acct. Thankfully they will give me a refund check. Not the whole amount but for half. I changed my address for the refund check and go figure, it's a different zip code so my premium has gone up that's why I'll only get half the refund. Oh wait I canceled that though. I'm confused. Well I can send paperwork in to backdate my cancelation. No thanks. Kemper got some free money out of me. Hopefully it won't be the same for you.

7 people found this review helpful
Rated with 1 star
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Verified Reviewer
Original review: Sept. 3, 2018

Had to use the roadside assistance twice - both times were a joke. 40 minutes with no call back. Stranded on the highway. Then, I call back and they claim that I called in to cancel? We're leaving Kemper due to their poor roadside assistance. If they are any indication of how their insurance is - no thanks.

4 people found this review helpful
Rated with 1 star
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Verified Reviewer
Original review: Aug. 29, 2018

I've never had a company treat me with such disrespect. I've only been a customer of theirs since April, but let me tell you I will never be a customer of theirs again. I purchased a new car and needed to add it to my existing policy. Nobody would help me. They kept telling me to call someone else and I almost lost my car. I had to go with another insurance company who actually wanted to help me. Then this piece of junk company took an auto payment that they had refused to take out until this month. When I called customer service to complain the agent cut me off.

Then when I told her to shut up and let me finish she accused me of swearing and using vulgar language. I do not swear and am offended that anyone would say something like that about me. Then I told her I wanted a supervisor and she placed me on hold for 10 minutes and got me with Lynn who accused me of lying about them taking my payment! Worst company ever. I will be reporting them to the Better Business Bureau!

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11 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Aug. 7, 2018

When someone hits your car in the middle of the day and totals it, while it's parked outside your house, you would think the driver's insurance company would accept responsibility, right? Not if that insurance company happens to be Kemper. Our first indication that we were dealing with a company determined to deny a claim no matter what, was when we had the misfortune to be assigned a claims agent by the name of Yolanda **. We were patiently prepared to give her all the pertinent information, including the police report number, but the first question she had for us was "where's the car?" When we told her the police had ordered it removed, she said "I'm not filing this claim if the car isn't at the scene of the accident." We then attempted to speak to her supervisor, but even though this individual was pleasant to deal with (unlike Yolanda), she also asked why the police had removed it.

I responded that perhaps she ought to ask the officer in question (whose information I provided her with), but perhaps it was because there was glass and metal all over the street, and we were opposite an elementary school, where students were due to be released at any moment. Since that conversation, we tried to get information from our insurance agent, hoping that he would have better luck getting cooperation from the Claims Team at Kemper. At one point he indicated that he thought they would deny our claim because they stated to him that they had been unable to contact their client. My husband knew that the driver had been issued a citation for inattentive driving and that he would have a subsequent court date. We tracked down the prosecuting attorney's office and made note of the date and time of hearing.

I emailed both insurance companies with this information, suggesting that they send a representative to hopefully be able to speak with the driver in person. Just in case, my husband showed up, and (no surprise) neither insurance companies were represented. My husband was able, however, to speak to the owner of the vehicle and asked her point blank if she had authorized the driver to drive her car that day. The owner was a passenger in the vehicle. She told my husband that indeed she had asked him to drive since she was suffering from a migraine. My husband asked her to contact Yolanda ** and tell her exactly that.

The owner claimed that both she and the driver had attempted to contact Yolanda on several occasions and couldn't even leave her a message because a recording came on saying "mailbox is full". Today we received a curt letter from Yolanda saying our claim is denied because "we determined there is no coverage under our insured's policy for this loss. As a result, we will be unable to provide payment for any damages resulting from this accident and closed our file." Unbelievable!

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18 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Aug. 3, 2018

I have never encountered a worse customer service, that I have with Kemper. You call for help and NOBODY will help you. They will transfer you over to the "right department" over and over and over again, only to wind up, AGAIN, with the first person I had talked to. You simply can't get any help with any of the CSRs. I have had this experience more than once. I have had years of customer service experience. I simply am flabbergasted, as to how that company does any business. This company is worthless. Besides, their car insurance is extremely high. Luckily, I changed car insurances and I am selling my home the end of the month. So, then I will have no more dealings with this, completely worthless company. If I could give it zero points, I would have.

18 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: July 28, 2018

I started a policy with Kemper insurance after my agent found me a good deal. It was at a very reasonable rate considering my driving history. However, less than two months after starting the policy, I moved from one Los Angeles neighborhood to another. Shortly after my move, I paid my bill for the month of July, paying the minimum that was due. Kemper then raised my insurance premium 280% without notification.

When I received my bill for the next month, it was almost triple what I had originally signed up for. When I asked about this I was told that my zip code was one of the most expensive zip codes in the state. They insisted that the rate increase was for no other reason than the move. There were no incidents or claims of any kind.

I asked them to lower it back to a reasonable amount, and said that if they did not I would cancel and find another company. Apparently they did not really care much about this, and insisted there was nothing they can do. I found another agent who found me a rate that was virtually the same as my original rate with another company. It was embarrassing how quickly it took to find a better deal, which made me also fire my agent who got me the policy with Kemper (though this agent did the best he could.)

I cancelled the policy as quickly as I could, before the next billing cycle had begun. Kemper then sent me a bill saying that I still owed them money. Apparently, they can simply decide arbitrarily that my premium can be raised anytime for any reason, and that they can then claim that I didn’t pay for coverage that I received (even though I paid my bill for the month in full at the time that it was due, in fact it was autopay so there’s no way I could have chosen to underpay). The fact that they decided to raise my premium after the fact means that no matter what I wanted, I was going to pay them a rate 280% higher than what I initially agreed to. Any reasonable organization would provide a warning about a rate increase immediately, not simply pretend like nothing had happened.

Basically, if you want an insurance company that will lure you in with a competitive rate, and then find any reason at all to raise your premium astronomically without any notification or warning, giving you no opportunity to remedy the situation, you should really go with this company. That was obviously sarcasm, stay away. Do not go with them, they are thieves. The fact that this is legal is a travesty.

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11 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: June 15, 2018

How can you say someone is not 100% at fault for an accident when they ran a stop sign. There were witnesses. The other party wasn't even speeding. A week after the accident and I still have not received a rental car. I was told to borrow the money from someone and pay for it myself. I'm a single mother. That is not option. I will sue this company if it continues. You are leaving me no choice.

26 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: June 8, 2018

On 5/30/18 my wife was in a collision with a Kemper Auto insured driver running a red light. Driver cited. I contacted customer service on 5/30, I spoke with a very polite young lady, she took all the pertinent information related to the accident along with my personal information. The rep politely issued me a claim number along with the claims adjuster's name and phone number and extension. She then transferred me to the claims adjuster's team office, I spoke with a Leliani (unsure of the correct spelling of her last name... She muddled it), this woman was very nice in the beginning, but as soon as the car settlement started (they totaled my car), oh, things changed. This woman was very rude.

Pay CLOSE attention to the vehicles they compare yours with. They added $2700 to a car they choose with a 104,000 miles on it for a 2011, and only $600 for ours only having 70k. They don't add all the options that your car has. They will not give you a dime for any items you've added to your car. (Does not add value) as she states. With Kemper, you are NOT going to be put back into pre-accident condition.

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23 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: June 3, 2018

I was hit by a gentleman insured by Kemper who ran a red light. He came across 6 lanes. He was at fault and cited. My car was totaled and I was in therapy for my back for 4 months. Kemper wanted to pay $3000.00 less than what my medical bills were. Now my insurance company are taking them to arbitration as they do not want to even pay for my totaled car and deductible that my insurance company paid. They have forced me to hire an attorney. This company is what gives insurance companies a bad reputation and makes people sue. The claims adjuster was rude and condescending. This company should be put out of business.

23 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: May 22, 2018

On 05/20 I was rear-ended by a Kemper Auto insured (drunk) driver. I contacted customer service on 5/21, I spoke with a very polite young lady, she took all the pertinent information related to the accident along with my personal information. The rep politely issued me a claim number along with the claims adjuster's name and phone number and extension. She then transferred me to the claims adjuster's team office, I spoke with a Ms. Katrina (unsure of the correct spelling of her last name... She muddled it), this woman was very rude. When I mentioned that I spoke to a very nice lady earlier who told me how things would be handled she said "they don't know what they are talking about".

Katrina talked at me and asked compound questions. She did not like my answers and all she wanted to do was to talk AT me and I listened until she was done. I DON'T understand why people can be so mean. So, when I asked "can I speak now"... Well I went on to talk... This very rude woman hung up on me. This rudeness makes want to just give up and and not move on with the claim. Life is too short to have to deal with this type of treatment. I have never experienced such poor customer service (claims adjuster). I was shocked and hurt by it, there was absolutely no compassion.

I eventually called the adjuster assigned to my case, I left a message with hope that I will get a call back. I actually called again hoping she would answer, but the answering machine picked up with a message "message box is full"... Go figure. It's funny when I finished talking with the polite young lady. I thought these people are really nice and personable, thinking I might switch over from SF, plus recommend this Ins company. The Reps are either overworked or just plain MEAN!!

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13 people found this review helpful
Rated with 5 stars
Verified Reviewer
Original review: May 16, 2018

I love the coverage I have with my insurance company. I purchased online and it was super easy. The coverage is affordable, their customer service is great, and they're easy to contact. I had a question about my policy and the representative I spoke with was incredibly helpful. I would recommend Kemper to anyone who needed an affordable and comprehensive auto policy. But I wish they offered discounts for multiple policies like some other companies offer. I currently rent and would love a renter's policy, and I plan on purchasing a home one day. I'll likely use Kemper.

3 people found this review helpful
Rated with 3 stars
Verified Reviewer
Original review: April 30, 2018

Kemper provides fast service for claim. Customer service was not great but it was ok. Cheap payouts on cars totaled. Not a lot of premiums are affordable and the policy is too expensive for the coverage that you get but that's usual with company nowadays and not surprised.

7 people found this review helpful
Rated with 5 stars
Verified Reviewer
Original review: April 29, 2018

My insurance agency was great in helping me find Kemper when I went off my parents car insurance. It was a smooth and easy transition. 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 my age who is just starting out in my career. I have been with my car insurance for about year now and have had 0 issues with them. They take the money out of my account quarterly and have great costs while also providing great insurance. I highly recommend them to everyone especially young adults.

4 people found this review helpful
Rated with 4 stars
Verified Reviewer
Original review: April 28, 2018

I paid a great down payment price for a six month policy and for my next updates my down went even lower. My broker company GreatFlorida has always been friendly, fair and honest in our dealings with them which helps. I like that Kemper has great rates and coverage. I have used them for quite some time and have always been satisfied with their service. My husband and I have tried other companies but we always seem to come back to Kemper sooner or later. One complaint that I have is they keep moving our broker offices to different locations and have said they may not cover drivers in my state anymore.

3 people found this review helpful
Rated with 3 stars
Verified Reviewer
Original review: April 27, 2018

I really like that it easy set up to pay, and I can do auto pay. They have good customer service over the phone and my husband has easily made changes to our policy. But I would like an option to pay online without having to be auto pay and they keep increasing rates in small amounts frequently. I wish they had an office close to me so that we could deal with some issues in person. They weren't easy to deal with when my husband had damage to his car from avoiding an accident. Overall they could be better about dealing with accident incidents. I understand they have to cover their end thoroughly but they gave us a big run around and I didn't appreciate. Although, since that incident they have been a lot better and we haven't had any issues.

5 people found this review helpful
Rated with 2 stars
Verified Reviewer
Original review: April 26, 2018

I was rolled over when Kemper purchased my company. Kemper auto insurance is one of the companies I have had auto insurance through for almost ten years. Great and dependable service, however their rates increase dramatically every year, even with no tickets or accidents and refuse, when I called, to lower their premiums for long term loyal customers. I would like Kemper auto insurance to want to keep long-term, loyal, accident-free, ticket-free customers premium. I would really like to see them better their loyal customers!

9 people found this review helpful
Rated with 5 stars
Verified Reviewer
Original review: April 25, 2018

I got insurance through Drive Insurance and was placed with Kemper. It was simple and my broker knew what we needed and basically did everything for us. Having ride share makes it better for my husband since he does driving with Uber. I had a previous insurance that I really liked and had all my discounts applied but they didn't have ride share so we had to switch. I have only been with Kemper for three month and so far I have not had any problems with them. And for full coverage it's still affordable but those of us who has a great record should be offered less expensive insurance than others.

Be the first one to find this review helpful
Rated with 1 star
Verified Reviewer
Original review: April 24, 2018

I oversee a rental car company and deal with insurance companies on a regular basis. Kemper's claims department is by far the worst I've dealt with. Payment for our customers rental car reimbursement was not issued due to us sending an invoice and not the rental agreement to Kemper's claim department. It was requested that we resend a copy of the rental agreement via fax directly to the total loss department. When we called to verify the payment status after 19 days with no payment received we were told that payment was sent to our physical address and not the mailing address because that is what was on the rental agreement. The adjuster (Laura) was extremely rude when this was brought to her attention. Our invoices give a specific mailing address on where to remit payment, but our payment was rejected by the total loss deparatment due to us sending an invoice and not the rental.

12 people found this review helpful
Rated with 3 stars
Verified Reviewer
Original review: April 18, 2018

It was very easy a purchase. As a matter of fact the 3 party also did set up the policy and that was a plus for me. I like their 24 hour claims representative Along with friendly customer service. They worked very fast to complete my claim and they also came the very next day to take pics of my car. But The price of this insurance has gone from me paying $152.00 to 183.0 0 a month and also the cost to just add more features to your existing coverage. They don't have very many discounts for people my age and there seems to be no discounts for defensive driving.

2 people found this review helpful
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Kemper - Auto Company Information

Company Name:
Kemper
Website:
www.kemper.com
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