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Kemper Insurance Review 2021
Kemper Insurance is one of the country’s largest auto insurance providers. It is known for insuring high-risk drivers and is sold by independent insurance agents in select states. Kemper also offers life, homeowners, and supplemental health insurance. Kemper Insurance is also one of the few auto insurance companies that accept drivers with poor credits. If you are either a high-risk driver or a driver with a less than fair credit rating, Kemper might be worth considering for your next policy.
Kemper reviews and ratings
- Customer satisfaction ratings are average.
- Gets fewer complaints to state regulators regarding home and auto insurance than other companies relative to its size.
- Offers rideshare insurance in most states.
Kemper Auto Insurance Rating
3.5
Kemper Auto Insurance garnered an average of 3.5 stars based on its comprehensive policy rates and overall performance in covering high-risk drivers. We assess Kemper’s rating by looking closely at its policy rates for different drivers, financial stability, ease of making a claim, discounts, and complaint information from the National Association of Insurance Commissioners. Upon examining these factors, we recognie Kemper as one of the more favorable auto insurance companies for high-risk drivers.
Kemper Auto Insurance Coverage for High-Risk Drivers
| Kemper Car Insurance Coverage for High-Risk Drivers | Description |
|---|---|
| SR-22 Availability | Kemper will give high-risk drivers under their policy SR-22 as part of every state’s requirement. |
| Salvaged Auto Insurance | Kemper insures “salvaged-titled” cars that were repaired and rebuilt after being totaled. |
| Text-Alerts | Kemper warns drivers when their policy is at-risk due to late payment. |
Kemper Car Insurance Coverages and Features
| Kemper Auto Coverage Options | Description |
|---|---|
| Accident Forgiveness | With Kemper, one at-fault accident will not increase your rate. |
| Gap Insurance | If your car is totaled within the 3 years of use, Kemper will pay for the remaining loan or balance of your loaned car. |
| Trip Interruption | If your car breaks down $100 miles away from home, Kemper will give up to $1000 to cover your lodging, transport, and other expenses. |
| New Car Replacement | If you totaled your car due to an accident, the company would replace your depreciated car with a new car or cover all the costs of repairs. |
| Pet Coverage | Kemper will cover up to $2000 cost of medical bills for your pet if injured in your car during an accident. |
| Child’s Car Seat Replacement | Kemper will replace your damaged child’s car seat without a deductible. |
| Dependent Coverage | Kemper will pay up to $1,000 for the daycare cost of your child if you aren't in stable condition to provide after a collision or during your recovery. Additionally, it will also cover up to $10,000 if in any case, someone died because of the car crash. |
Kemper Auto Insurance Discounts
- Accident and Traffic Violation Avoidance Discount
- Multi-Car Policy Discount
- Homeowners Discount
- Safety Equipment Installation Discount
- Upfront Premium Payment Discount
- Windows with VIN Discount
- Paperless Transaction Discount
- Good Grades Discount
- Defensive Driving Completion Discount
- Loyalty Discount
- Referral Discount
- Focused Driver Pledged Discount
Kemper Homeowners Insurance
| Kemper Homeowners Insurance Policies | Description |
|---|---|
| Valuable Item Coverage | Kemper allows clients to add extra insurance for specific items that are valuable without any deductible. |
| Identity Fraud | Kemper will reimburse up to $15,000 of your expenses relating to the crime. |
| Contents Replacement Cost | Kemper pays up to 70% of the value of your damaged belongings for repair or replacement, minus your deductible. |
| Replacement Cost Coverage | Kemper will cover your home and will pay more than the value of your home for rebuilding. |
Kemper Homeowners Insurance Discounts
- Multi-Coverage Discount
- Insured Home Less Than 15 Years Discount
- New Roof (Less Than 6 Years Old) Discount
- New Home Purchase Discount
- Updated Home Systems Discounts
- Hurricane Safety System Installation Discount
- Safety Device Installation Discount
Kemper Customer Satisfaction Assessments
Kemper is considered one of the most reliable insurance companies in the country. It has very low customer complaints garnered from the National Association of Insurance Commissioners relative to its size for the car, life, and home insurance.
Kemper’s overall rating in the US is above average with significant consideration to the range it covers across the nation. Here is a comprehensive study from the 2019 J.D. Power Study:
| Assessment Category | Kemper’s Customer Satisfaction Rating |
|---|---|
| Auto Insurance Policy Claim Satisfaction | Average |
| Auto Insurance Shopping Satisfaction | Average |
| Home Insurance Policy Satisfaction | Below Average |
| Property Insurance Claims Satisfaction | Below Average |
Kemper’s Digital Platforms
| Digital Platform | Description |
|---|---|
| Kemper’s Website | Kemper’s website is slightly mediocre, however, you can easily find a reliable local agent, get a quote, and learn more about their products and services using the site. |
| Kemper Photo | Kemper created a mobile and user-friendly app that lets upload photos in cases of accidents. |
Kemper’s Client Satisfaction Pros and Cons
| PROS | CONS |
|---|---|
| Kemper offers SR-22 forms. | Kemper garnered average customer satisfaction ratings compared to other companies. |
| Kemper’s policies are available in all states. | Kemper does not have a mobile app to view policies, pay bills, and other essential services. |
| Kemper offers a lot of discounts. |
Insurance Online Car Insurance Rating and Review Methodology
We commend every insurance company that extends value to customer-first features and operations. The rating we disclose is assessed through weighted averages and scores from several categories: financial stability, customer complaints and satisfaction, transparency of their digital platforms, and competitive pricing.
Moreover, we conduct customer satisfaction surveys to extensively provide reviews and ratings that are dependable and fair. However, it is best to compare several insurance companies to account for your judgment and needs.
*Insurance Online is not compensated with our ratings and reviews by any insurance companies.
Insurance Online Complaints Methodology
We examine the complaints from state insurance regulators that are reported to the National Association of Insurance Commissioners (NAIC) between 2017-2019. NAIC extensively calculates the complaint index yearly following each subsidiary to measure the company size’s total share of complaints in ratio.
Kemper Insurance FAQs
Is the state’s minimum requirement enough to acquire a policy with Kemper?
It depends on the policies implemented in every state. However, there is no minimum coverage acquisition required.
How high will I set my car liability limit with Kemper?
It usually depends on the severity of the damage during the collision. However, the higher your liability limits, the higher the expenses shouldered.
What I have been in an accident under Kemper’s policy and I don’t have all the information needed?
It is fine if you can’t provide the information right away. The most important thing is to report the incident right away or as soon as you are able.
Sandra Cruz | Linkedin
Based in Newport Beach, CA, Sandra has been a licensed insurance agent in California and Texas for 5 years and is an editor and writer specializing in all types of insurance matters. Sandra is Insurance Online's authority on auto, home, and business insurance and has been featured in publications such as Forbes, Yahoo! Finance, and US World News Report.