Kemper auto insurance offers the best rates for at-risk drivers.
While Kemper auto insurance reviews have been mixed, the company may be ideal for teens, drunk drivers, or new drivers. Kemper auto insurance plans cover any state requirements you may need to meet, plus some additional options.
But what is the Kemper auto insurance customer experience like? In this article, we’ll learn about its reputation, coverage, and discounts. Remember, the only way to determine what you’ll pay for Kemper auto insurance is to get a quote.
Whenever you buy auto insurance, we recommend that you get quotes from multiple auto insurance companies so you can compare coverage and rates. In addition to the insurance company you choose, factors like your age, vehicle make and model, and driving history can also affect your premiums, so what’s best for your neighbors may not be right for you.
Kemper Auto Insurance Overview
Kemper Corporation provides auto insurance through several different subsidiaries, including:
- Personal and Business Lines (through agents only)
- Specialty California (non-standard auto insurance)
- Kemper Direct (available online and by phone)
- Unlimited Car Insurance
- Union Insurance
In this Kemper insurance review, we focus on the Kemper brand of car insurance. Both Infinity and Alliance United is owned by Kemper, but they are sold separately and offer different services.
Kemper started as Unitrin in 1990. Over the years, it has expanded to offer many different insurance products in all 50 states. In total, Kemper serves approximately 6.3 million customers, including health and life insurance customers. The company is worth about $5.3 billion. By comparison, Progressive is worth about $49 billion. However, the size of a company doesn’t necessarily tell you its customer service or credibility.
While the company does receive an A+ rating from the BBB, it has a 1.0 out of 5.0-star rating on the BBB’s Kemper Insurance Review. However, this is based on less than 100 customer reviews, which is a very small overall sample size. What’s more, Kemper was ranked last in the California region in JD Power’s 2020 U.S. Auto Insurance StudySM.
Kemper car insurance coverage
The company offers auto insurance in 50 states under several different names, and it specializes in non-standard coverage for high-risk drivers. Kemper offers six basic types of auto insurance that most companies offer :
- Liability car insurance
- Comprehensive car insurance
- Medical Payment (MedPay)
- Personal Injury Protection (PIP)
- Uninsured/Uninsured Motorists (UM/UIM)
You can also get a variety of additional coverage options with Kemper Insurance. Keep in mind that because Kemper operates multiple companies, coverage depends on the policyholder’s coverage eligibility and state law. You may find:
- Extensive form coverage (one driver, multiple cars)
- car rental reimbursement
- Refurbished Vehicle Coverage
- roadside assistance
- gap insurance
- new car replacement
Finally, the following benefits are part of the Kemper Enhanced Insurance Plan:
- accident forgiveness
- Decreasing deductible
- Damage, while the car is parked, is not exempt from car insurance
- personal property insurance
- Trip Interruption Fee
- key or keychain replacement
Get a Kemper Auto Insurance Quote
You can get a Kemper auto insurance quote a few different ways, depending on the company you go through. If you are looking for high-risk coverage in California, you must contact a Kemper Specialty California agent directly. For other state or standard auto insurance, you can receive quotes online. Make sure you have the following information ready:
- Your contact details and driving record
- The make, model, and Vehicle Identification Number (VIN) of your car
- Contact information and driving records of others on your policy
- your current insurance coverage
Kemper Insurance Review
While Kemper Corporation has an A+ rating from the BBB, customer satisfaction reviews vary for the company. Nearly all BBB customer reviews give the company a 1.0 star.