Editors’ take: Kemper auto insurance could be a good option for customers who have a tough time finding insurance options. The insurance company could be a last resort option for those who need insurance to drive legally. Kemper can be expensive, and it won’t be a good option for people who good driving records.
Kemper auto insurance at a glance
|Availability||Available in 34 states|
|J.D. Power customer satisfaction ratings||Lower than average|
|How to get an insurance quote||Online in some states or over the phone|
|How to submit a claim||Online or over the phone|
- Free roadside assistance with DriverClub
- SR-22 coverage
- Mobile app
- Low claims satisfaction score
- Not available in all states
What you need to know about Kemper auto insurance
Headquartered in Chicago, Kemper is home to several subsidiaries, including Kemper Auto, Kemper Personal Insurance, Kemper Health, Kemper Life and Infinity Auto. The company provides auto insurance for drivers deemed high-risk or who have had difficulty getting or maintaining coverage in the past.
Kemper offers policy options, like SR-22 coverage, for drivers who have had their licenses suspended, revoked or canceled. An SR-22 certificate is a document that proves you have the necessary car insurance to comply with state law.
You may need to provide an SR-22 form if you have any convictions, like for a DUI or reckless driving, not having insurance, failure to pay damages for an at-fault accident or underage drinking.
You can use Kemper’s mobile app, available for iPhones and Androids, to manage your auto insurance policy. With the app, you can make payments, display ID cards, find repair shops and submit claims information.
But take note: The ratings for the app on both the Apple App store Google Play store are relatively low.
Low customer satisfaction ratings
Kemper was the lowest-rated auto insurer in the J.D. Power 2021 U.S. Auto Claims Satisfaction Survey.
Auto coverage offered by Kemper
Kemper provides specialized auto insurance for drivers who may have difficulty obtaining coverage. It offers policy options for people who don’t have a driver’s license, and SR-22 coverage for drivers whose licenses have been canceled, suspended or revoked.
This specialized (otherwise known as nonstandard) car insurance is designed for people with less-than-stellar driving records. Nonstandard insurance is often more expensive than standard car insurance and may offer fewer coverage choices.
Kemper auto insurance is not available in all states, so you’ll need to check with a local agent to learn about the options available where you live. Here are some of the coverage options Kemper provides.
- Roadside assistance — This 24/7 service includes towing, jump-starts, fuel delivery, lockout service and tire changes. Members of Kemper’s DriverClub program get this benefit for free.
- Kemper Total — With this coverage option, Kemper pays the amount necessary to repair or replace a totaled vehicle.
- Comprehensive coverage
- Auto loan/lease coverage — This is also called gap insurance.
- Liability and full coverage on reconditioned vehicles
Kemper offers a Kemper Prime Auto Enhanced insurance package that combines additional coverages like trip interruption coverage, diminishing deductible, personal property protection, key replacement, accident forgiveness and a deductible waiver when an insured car is parked.
Auto insurance discounts offered by Kemper
Kemper offers a wide range of discount options. Check with a local agent to see what you might be eligible for.
- Advance quote discount — You may be eligible if you receive a quote and choose to start your coverage before the date on the quote.
- Proof of prior insurance discount
- Paid-in-full discount
- Multi-car discount
- Defensive driving course discount
- Good student discount
- Military discount
- Homeowner discount
FAQs about Kemper auto insurance
Kemper acquired Infinity Property and Casualty in 2018.
You can file an auto or glass insurance claim online or over the phone. To file a claim, you’ll need to have the policyholder’s name, policy number and a description of the accident, damages and injuries, as well as the date and time of the incident.
Not sure if Kemper auto insurance is right for you? Consider these alternatives.
- SafeAuto: This company provides auto insurance for high-risk drivers.
- Good2Go: Good2Go offers nonstandard coverage and a discount for using its safe-driving app.