InsuredBetter's Kemper Corporation Insurance Company Score:
2.5 Stars
We award Kemper Corporation a final rating of 2.5 out of 5 stars. Kemper Corporation has more than 30 years worth of experience in the insurance industry and excellent ratings by both AM Best and the Better Business Bureau (BBB), but it also has a concerning high volume of customer complaints and negative feedback across the web. Further, Kemper scored in last place on a recent J.D. Power US Auto Claims Satisfaction Study.
Kemper also lost some points due to its discontinuation of homeowners insurance and certain other personal products as of August 2023. Though Kemper is licensed nationwide, not all of the carrier's products are available in every state. While drivers considered high-risk by insurance companies may need to get auto insurance coverage through Kemper, the carrier is likely not the right choice for most customers.
Kemper Corporation Pros & Cons:
| Pros: | Cons: |
|---|---|
Offers personal and business coverage
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Recently downsized coverage catalog
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Excellent ratings from AM Best and the BBB
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No longer offers homeowners insurance
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Offers auto insurance for high-risk drivers
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Ranked last in J.D. Power’s recent U.S. Auto Claims Satisfaction Study
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Strong financial stability
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Large volume of customer complaints
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Mobile app has limited features
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Kemper Corporation Insurance Products by Type
Kemper offers a wide selection of coverages for both individuals and businesses. Its insurance products include:
Personal insurance:
- Car insurance
- Accident and health insurance
- Fire/contents protection
- Motorcycle insurance
- ATV insurance
Life insurance:
- Whole life insurance
- Term life insurance
- Guaranteed issue life insurance
Business insurance:
- Commercial auto insurance
- Commercial general liability insurance
- Business owners policy insurance
Your independent insurance agent can help you find more information about the coverage offered by Kemper and help you determine if this insurance company is right for you.
Kemper Corporation Personal Auto Insurance
Kemper Corporation offers personal auto insurance among its other products. The carrier's policies offer the standard protections you'd expect to find, as well as a few extras outlined below.
Coverage types, features, and benefits:
Roadside assistance
Kemper offers optional roadside assistance coverage for customers who may end up stranded on the side of the road due to dead batteries, accidents, etc. This coverage can help pay for an emergency tow and other roadside services.
New car replacement
Kemper's optional new car replacement coverage can pay the cost to fully replace or repair a vehicle if the cost of the damage exceeds its current value.
Gap insurance
Kemper's optional gap insurance can cover the difference between what's still owed on a car loan or lease and the vehicle's actual cash value if it's declared a total loss.
Enhanced coverage
Kemper's option for enhanced coverage offers a package of accident forgiveness, a diminishing deductible credit for safe drivers, a waived deductible for cars that get damaged while parked, and personal property coverage for items stored in the car if the vehicle gets stolen.
Kemper Corporation Personal Auto Insurance Average Prices
We pulled average quotes for personal car insurance from Kemper Corporation by policy type.
| Car Insurance Policy Type | Average Annual Cost of Car Insurance |
|---|---|
| Minimum coverage | $1,150 |
| Full coverage | $2,662 |
What Discounts Does Kemper Offer?
Kemper offers a good selection of competitive discounts on its insurance, especially for auto policyholders. Its discounts include:
- Good student discount: This is offered to auto insurance customers who are students who maintain a GPA of 3.0 or higher.
- Multi-car discount: This is offered to auto insurance customers who insure more than one vehicle through Kemper.
- Paid-in-full discount: This is offered to auto insurance customers who pay their entire annual premium upfront.
- Defensive driving course discount: This is offered to auto insurance customers who complete an approved defensive driving course.
- Military discount: This is offered to auto insurance customers who are active duty military or National Guard members.
- Homeowner discount: This is offered to auto insurance customers who own homes.
Your independent insurance agent can help you find out more information about these discounts offered by Kemper, as well as other discounts and ways to save through the insurance company.
Kemper Corporation Customer Service
Kemper allows customers to report claims anytime, online or via phone. The carrier also provides the following customer service options:
- Online bill pay
- Snail mail
- Limited mobile app
- Contact form on website
Claims reporting via phone service hours:
| Days | Hours (CST) |
| Monday - Friday | 9 am - 7 pm |
| Saturday | 11 am - 6 pm |
| Sunday | CLOSED |
The best way to ensure a smooth customer service experience is to work with an independent insurance agent. Independent insurance agents can help handle claims and other concerns for you so you can relax and enjoy your coverage.
Kemper Corporation FAQs
What is Kemper's average claim response time frame?
Kemper allows customers to file claims via phone or online, but the carrier’s official website does not detail a claims response time frame promise. The insurance company states that claims’ statuses are updated on the website at the end of each business day.
What is Kemper's customer service availability?
Kemper's phone customer service department has restricted hours, Monday through Friday. Customers can pay their bills through the official website. Kemper also has a social media presence on Facebook, X, and LinkedIn, making the company more accessible to customers.
What is Kemper's claims process?
Kemper allows its customers to file claims via phone, email, website, or mail. The insurance company, however, does not list much information about its claims process beyond how to file. Kemper provides details about all the information customers need to have ready before filing a claim and lists the process of everything customers should do before filing if they’re involved in an auto accident.
Does Kemper create a user-friendly experience for customers?
Kemper’s official website is easy to navigate. However, the website could use more details about the carrier’s coverage options, claims process, and claims response time frame. Kemper offers modern customer service options such as online bill pay and online claims reporting, but the claims and customer service departments are available at restricted hours.
The insurance company also has a limited social media presence on Facebook, X, and LinkedIn. Overall, Kemper provides a moderately user-friendly experience for its customers.
Does Kemper sell homeowners insurance?
Though Kemper Corporation used to sell homeowners insurance, the carrier stopped offering this coverage as of August 2023, along with some other forms of insurance.
Is Kemper a good insurance company?
You may be wondering, "Is Kemper insurance good?" or, "Is Kemper good insurance?" Kemper was founded in 1990 and is highly rated by both AM Best and the BBB. The carrier has had a concerning high volume of complaints filed against it through the BBB in the past three years, as well as negative customer feedback across the web.
The insurance company offers coverage nationwide and has a large selection of insurance products, but not all products are available in every state. Due to the high volume of customer dissatisfaction, Kemper might not be considered a good insurance company for all customers. However, those in need of car insurance for high-risk drivers or who have DUIs on their record might find the coverage they need through Kemper.
What is Kemper insurance?
Kemper is an insurance company that offers a variety of personal and business products, including life insurance, car insurance, and business owners policies. Kemper Corporation was founded in 1990 and offers coverage nationwide.
Who are Kemper's insurance products right for?
Kemper offers personal auto insurance for drivers considered high-risk, such as those with DUIs on their record. Drivers with suspended licenses or who need SR-22 forms can find coverage through Kemper.
Sources
https://www.kemper.com/
https://www.bbb.org/us/il/chicago/profile/insurance-companies/kemper-corporation-0654-5449/customer-reviews
https://news.ambest.com/pr/PressContent.aspx?refnum=33711&altsrc=2
https://wallethub.com/profile/ci/kemper-13015166i
https://www.nerdwallet.com/reviews/insurance/kemper
https://www.bankrate.com/insurance/reviews/kemper/
https://www.thezebra.com/insurance-companies/kemper-insurance-reviews-coverage-options-and-ratings/
https://www.consumeraffairs.com/insurance/kemper_auto.html?#reviews
https://clearsurance.com/insurance-reviews/kemper-corporation-5835ece073b103329e91ab98
