Kemper Auto Insurance Review: Quotes and Service (2022)

Kemper’s customer satisfaction and financial strength have been rated by companies like the Better Business Bureau (BBB), AM Best and the National Association of Insurance Commissioners (NAIC). While it’s not a great option for those who value customer service, the company itself does appear to be financially sound.

MoneyGeek determined the affordability scores based on survey data collected from consumer intelligence company J.D. Power. As per these scores, Kemper is a very expensive auto insurance company, and the policies it sells are not affordable for most car owners. Still, you should always get a personalized quote from the insurer directly, so you can better analyze the cost, discounts and coverages.

In fact, you should always look at factors other than price, unless you’re looking for the cheapest car insurance policy only. The coverages and discounts offered, the company’s financial stability and customer satisfaction scores are just some of the features that can help you find the best policy at a price that’s right for you.

Car insurance from Kemper is expensive for all drivers, whether they’re seeking full or minimum coverage and whether they’re young drivers or drivers with violations.

Insurance providers are not transparent about how they calculate rates for their insurance policies. However, all insurance companies charge more for full coverage or a policy with add-on coverages. Additionally, drivers deemed to be higher risk, such as young drivers and those with a poor driving history, will usually have to pay more for their premiums.

MoneyGeek has resources with which you can compare Kemper with other popular car insurers in your state. You can also use our comparison tool to see how Kemper performs in terms of customer satisfaction, standout coverages and costs. This tool can also point you to other resources to help you compare insurance providers.

Kemper offers the standard coverages like all other car insurers in the U.S, namely, liability insurance, comprehensive and collision insurance.

Apart from these, policyholders can buy two add-on coverage from Kemper: gap insurance and new car replacement. However, Kemper doesn’t offer many of the typical add-on coverages, such as roadside assistance, rental reimbursement, accident forgiveness or deductible modification.

Additionally, Kemper doesn’t offer any unique coverages you may be looking for, like custom parts insurance or full auto glass insurance.

Kemper's offerings are somewhat basic, but they do have a decent lineup of additional auto insurance coverages available to those who want them. People shopping for auto insurance will always want to shop around to collect quotes from different companies to ensure they’re getting the best deal based on their unique circumstances.

Kemper offers several other insurance products, which can make it a good option if you want to bundle your policies and save.

AM Best’s ratings system looks at the company itself in terms of financial strength and ability to meet obligations to policyholders in the event of a claim. Kemper’s A- rating indicates that it’s positioned to do that. However, it’s important to keep in mind that this rating is not the same as a warranty.