Kemper - Auto

Kemper - Auto Reviews

Find a Best Car Insurance partner

Our promise. We provide a buying advantage with verified reviews and unbiased editorial research.

Compare car insurance rates near you.

Get an auto quote on SmartFinancial.

Get Started
Overall Rating2.7 out of 5
See all 225 reviews & ratings

About Kemper - Auto Reviews

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.

Pros & Cons


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


  • 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.

Featured Reviews

Auburn, NY

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...

Read full review
Hilton, NY

… 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...

Read full review

Compare car insurance rates near you.

Get an auto quote on SmartFinancial.

Get Started

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

ConsumerAffairs has collected 225 reviews and 480 ratings.

  • Recent
  • Oldest
  • Most helpful
  • Any

A link has directed you to this review. Its location on this page may change next time you visit.

How do I know I can trust these reviews about Kemper?
  • 4,313,342 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.
Page 1 Reviews 0 - 10
Customer Service

Reviewed July 10, 2023

Erin ** EXT ** & Candida ** EXT ** are the worst Managers & Adjusters there are. I've been Calling everyday to the 800 # trying to reach them and they do not and HAVE NOT answered a single phone call. Nor have they returned ANY of my emails. Some guy with this insurance company rear ended my car and they're refusing to fix it.

Thanks for your vote! Report
Customer ServiceStaff

Reviewed July 1, 2023

Kemper Auto merged with American Access and changed their policy and ways of handling renews and reinstatement of policies and failed to let their policyholders know. They are unprofessional and rude and like to argue and hang up on people. They said they might have done different things last month or months but this month it's different. Which sounds likes it's not consistent and they will not make an easy transition for the other companies policy holders to come over. American Access had great customer service and always helped.

Kemper employees are rude, awful and do not care about their policyholders. I will not be returning after this month. Horrible experience with them and they will screw up how your policy works and not tell you or the 3rd party insurance companies they work with about their changes. Kemper employees will say they can not help you or do anything to fix your policy. Basically, you're on your own. Just find another better insurance company. Preferably one who actually cares.

Thanks for your vote! Report

Not sure how to choose?

Get buying tips about Car Insurance delivered to your inbox.

    By entering your email, you agree to sign up for consumer news, tips and giveaways from ConsumerAffairs. Unsubscribe at any time.

    Thanks for subscribing.

    You have successfully subscribed to our newsletter! Enjoy reading our tips and recommendations.


    Reviewed June 13, 2023

    Been calling and get the runaround. They sent me a check to get my car fixed on 6/7/23 and on the 12th they canceled the check. Leaving me to pay to fix my car. Now I'm out for repairs from my own back pocket. When you're on fix income car repairs are not easy done.. If I could give them a -5 stars I sure would. They work for themselves and no one else.

    Thanks for your vote! Report
    Customer ServiceCoverage

    Reviewed June 7, 2023

    Kemper notified us they will no longer be conducting business in MO. We found a new insurer and made the transition weeks ago. Kemper even refunded the balance we overpaid for the rest of our term. However, we just got drafted for another automatic ACH. If all we had to do was call it in and get a refund I wouldn't be here. We have been transferred all over the company and nobody seems to be able to help us. We have been hung up on several times.

    We went through Reece Nichols to get Kemper when we bought our house- but since Kemper is out of business in MO and our policy is no longer valid they don't seem to be able to do anything either. Where is our $ going exactly? Why didn't Kemper stop auto withdrawals when they sent out notices in MO? Why doesn't Kemper have anyone who can handle this sort of thing anywhere in the company? Shady and scammy behavior- how many other people are having this issue but can't reach anyone to resolve it?

    Thanks for your vote! Report
    Customer ServiceCoverage

    Reviewed May 10, 2023

    They held my policy hostage when I tried to cancel 8 months ago. Could not close the policy despite several attempts. First I sent an email with their cancellation form attached and signed, along with written instructions on when to cancel the policy. No cancellation. Then my new insurance provider also reached out to cancel. No cancellation. After my new company said they reached out, I assumed I was fine. Kemper had documentation of both cancellations. Then Kemper's bill shows up. I reach out again.

    They won't cancel by phone. They send me the accursed form again, which I fill out and send back. They reply saying I've filled it out wrong and lie about never seeing a cancellation request. I review the error and, behold, the form does not contain the alleged error. I have the reply chain in my inbox. I send it again. They allege another different error that does not exist. Again. I chew them out. Nothing happens. I am still in insurance hades with these weasels stoking the coals.

    Thanks for your vote! Report

    Reviewed March 29, 2023

    I was in a accident on 01/25/23 and had the car picked up that night. 2 months later and I'm still waiting for my money that was left over from the paying off my car loan. The at-fault driver also had Kemper and they still couldn't communicate properly! Now I can't even get in contact with my adjustor. When I call it literally said, "Your adjustor could not be found" for 2 weeks before they found him and even then no reply. DO NOT CALL ON FRIDAYS, they do the most to avoid answering. They'll, "Call you," let it ring for 3 seconds then hang up so you won't answer and send you a text right after making it seem like they tried contacting you!

    Thanks for your vote! Report

    Reviewed 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.

    Thanks for your vote! Report

    Reviewed 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 **.

    Thanks for your vote! Report

    Reviewed 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!!!

    Thanks for your vote! Report

    Reviewed 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.

    Thanks for your vote! Report
    Loading more reviews...

    Kemper - Auto Company Information

    Company Name: