Kemper Auto Insurance Review 2024: Coverage, Rates & Customer Satisfaction

Kemper Auto Insurance isn’t a local company that offers policies in only one or two states. Rather, it’s a nationwide insurance provider that offers policies in all 50 states. But even with this large net of coverage, Kemper still isn’t as recognized compared with other insurance companies.

But are well-known insurance providers the only ones capable of offering quality products and experiences?

In this Kemper Auto Insurance review, you’ll learn more about this large insurance agency, what it offers, and how it works. This will help you understand whether Kemper could suit your needs or whether exploring other insurance options might be a better idea.

In this article

• What is Kemper Auto Insurance?
• What insurance does Kemper Insurance offer?
• How Kemper specialty auto insurance works
• How to get an auto insurance quote from Kemper
• How to maximize your savings with Kemper auto insurance
• How to cancel Kemper auto insurance
• Kemper auto insurance FAQs
• Bottom line

What is Kemper Auto Insurance?

Kemper Auto Insurance is an insurance agency based out of Chicago, Illinois. It’s part of the Kemper Corporation, which is a family of companies. The company can trace its roots back to 1912 when it was founded by James Kemper. His son, James Kemper, Jr., later held numerous roles at the company, including chairman and chief executive.

Since its founding, Kemper has grown into a vast multi-policy insurance provider that operates nationwide. It services over 6 million policies, is represented by more than 30,000 insurance agents and brokers, and has over 9,500 employees. With over $14 billion in assets, Kemper is a leading insurer in the U.S.

In addition, Kemper has an A rating from AM Best. This rating describes the financial strength of a company, with an A falling into the excellent category. As defined by AM Best, an excellent rating recognizes an insurance company with “an excellent ability to meet their ongoing insurance obligations.” In other words, Kemper is seen as a financially stable company that doesn’t appear to be vulnerable to changes in underwriting or economic conditions.

What insurance does Kemper Insurance offer?

Kemper Insurance offers many types of insurance coverage, including:

• Auto insurance
• Home insurance
• Renters insurance
• Motorcycle insurance
• Boat insurance
• Business insurance
• Life insurance
• Health insurance

Because Kemper offers so many insurance products, it’s easy to bundle policies together if you need coverage in multiple areas. You may even qualify for a multi-policy discount if you buy two or more policies from Kemper.

For auto insurance, Kemper offers your typical car insurance coverage options. You’re able to receive a car insurance quote by calling Kemper directly or working with an independent agent in your local area.

Here are some of the general policies Kemper has to offer:

• Liability coverage: Typically pays for property damage or injuries resulting from a car accident you caused. Liability insurance coverage is often separated into bodily injury liability and property damage liability coverage.
• Full coverage: Often a combination of two or more insurance coverages, typically including comprehensive coverage and collision coverage. Comprehensive insurance can cover damages to your vehicle from weather, animals, and vandalism. Collision insurance is to help pay for damages to your vehicle if you’re in an accident with a car or another object.
• Uninsured/underinsured coverage: Uninsured motorist coverage helps cover you if you’re in an accident with an at-fault driver who doesn’t have liability insurance. Underinsured motorist coverage helps cover expenses when an at-fault driver doesn’t have enough liability insurance to cover the bills involved.

Kemper also offers additional options to help cover your vehicle, such as:

• Personal property protection
• Trip interruption expenses
• Key or entry transmitter device replacement
• Waiver of first accident or minor violation
• Gap insurance
• Waiver of your deductible when the insured car is damaged while parked
• Diminishing deductible credit for safe driving

If you want to monitor and manage your Kemper auto policy, consider using the Kemper Auto Insurance mobile app. It’s available on both iPhone and Android devices and allows you to make payments and submit information for the claims process. Policyholders can also display their insurance ID cards and find preferred repair shops through the mobile app.