Kemper Insurance review 2021

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Insurance protects you financially, and Kemper Insurance offers multi-faceted coverage for your auto, home, life and small business insurance needs. As a California-only provider, Kemper is a niche provider that could be a great fit for you if you are looking for multiple insurance products and a company that provides local agents and an overall user-friendly approach to insurance.

Kemper auto insurance

Kemper auto insurance is only available in California, but it is a good option for any driver in the state who wants to fully customize their policy. Customers can also take advantage of multiple discounts to lower their premiums.

Coverage

Kemper Insurance offers many different coverage options beyond standard bodily injury liability and property damage liability insurance. Some of the available options include:

  • Trip interruption: This coverage offers $600 for transportation and lodging expenses if you’re over 100 miles from home and get into an accident or experience car issues.
  • Dependent protection: If you get injured in a covered accident and can’t care for your child, this protection might provide up to $1,000 in daycare costs and give $10,000 to your dependents if a fatality occurs.
  • Enhanced car seat replacement: If your child’s car seat is damaged in an accident covered by your policy, Kemper will pay for a new one.
  • Pet coverage: If your dog or cat is injured in a covered accident, this coverage might give you $2,000 to cover their medical expenses.
  • Rental car reimbursement: This pays for the cost of a rental car while your vehicle is being repaired after a covered accident.
  • Roadside assistance: Roadside assistance coverage will help when you get a flat tire, run out of gas, get locked out of your car or need towing services.
  • Accident forgiveness: With accident forgiveness coverage, your rate won’t increase after an accident, even if you’re at fault.

Cost of Kemper car insurance

The average cost of car insurance is different for every individual based on several factors, including where you live, the kind of car you drive, your annual mileage, and your driving record. While insurance costs vary for everyone, the 2021 average annual cost of car insurance in California is $2,065 per year for full coverage and $733 for minimum coverage, according to data obtained from Quadrant Information Services. While Kemper’s average cost is slightly higher than the state’s average rate, customers looking for non-traditional auto insurance coverage options might not mind paying a bit extra, and there are numerous discount opportunities for additional savings.

Average Annual Premium for Minimum Coverage Average Annual Premium for Full Coverage
$937 $2,928

Discounts

In addition to the optional endorsements, Kemper Insurance offers extensive discounts for drivers. Those discounts include:

  • Multi-policy: You can get a discount by bundling your home, condo, or renters insurance with an auto policy.
  • Network discount: If you refer a friend to Kemper and they sign a policy, you both get 10% off your premium.
  • Free-A-Tree® discount: Policyholders can get a discount if they sign up for paperless statements.
  • Happily Married Discount™: Married couples, as well as people in legally recognized civil unions and domestic partnerships, can get a discount on their car insurance.
  • Preferred Payer Discount™: You qualify for savings if you pay your premium in full or even half of the annual bill upfront.
  • Retro Loyalty Discount™: You can get a discount based on how long you were a customer with your last insurance company if you switch to Kemper.
  • Safe & Sound® discount: If there are at least two named insureds on your policy, and at least one driver is over 18, you can save money if all the drivers on the policy are claims-free for at least three years and have been continuously insured for at least one year.
  • Car safety features: If your car has airbags, an anti-theft device or automatic seatbelts, you might be able to get a lower premium.
  • Mature driver discount: Drivers who are at least 55 years old and have taken an approved accident prevention course qualify for a discount on their premium.

Kemper home insurance

Kemper offers basic home insurance coverage in 13 states. Compared to its auto insurance offering, Kemper’s home insurance is basic, although it does offer a few options for add-on coverage.

Coverage

In addition to standard property coverage, like dwelling and personal property insurance, Kemper offers a few options for additional homeowners coverage, like:

  • Valuable item coverage: Customers can add valuable item insurance to increase their coverage limit for things like fine art and jewelry.
  • Identity fraud coverage: Homeowners can purchase identity theft coverage from Kemper, which helps cover the cost of identity restoration services.
  • Audio and video coverage: Kemper offers coverage for digital audio and video content.

Discounts

Kemper Insurance offers discounts to help homeowners save money on their premium, such as:

  • Multi-policy discount: Homeowners can save money on their insurance if they bundle their home and auto policy.
  • Age of home discount: If your home is less than 15 years old, Kemper will give you a discount.
  • Age of roof discount: If your home’s roof is less than six years old, you might be able to save some money on your premium.
  • Coverage bundle discount: Homeowners who buy three or more add-on coverages can get a 10 percent discount on each one.
  • Renovation discount: Homes that are more than 25 years old and have renovated heating, wiring or plumbing systems can get a 10 percent discount on their rate.
  • New home buyer discount: New homebuyers who recently purchased their home within the last two years can get a discount.
  • Happily Married Discount™: Married homeowners qualify for a discount.
  • Hip roof discount: If your home has a hip roof (shaped like a pyramid), you can save money on your home insurance.
  • Safe & Sound® discount: If your home is equipped with certain safety devices, like fire alarms or an anti-theft system, you can get a discount.
  • Window protection discount: Homeowners in coastal areas impacted by hurricanes can save money on their premiums by installing storm-proof shutters.

Kemper life insurance

Kemper offers basic life insurance policies, with only two options for coverage. The website includes limited information on life insurance coverage in general, so you might want to work with an agent to make sure you’re purchasing the right type of coverage and the right amount of coverage for your needs.

Types of policies offered

Kemper Insurance offers two forms of life insurance.

Term Life Insurance

Kemper’s term life insurance includes coverage for a specific period — either 10, 20 or 30 years. The major upside is that your premiums remain the same throughout the term, and it is cheaper than whole life insurance.

Whole Life Insurance

Whole life insurance offers coverage for your entire lifetime and includes a cash value component. Kemper specifically offers limited pay whole life policies, which means you pay your premium for a certain number of years, and after the period is up, you’re no longer required to make monthly payments to keep your policy in force.

Kemper ratings, reviews, customer satisfaction and complaints

Organization Rating
AM Best A
Insurance Information Institute Registered
J.D. Power (auto insurance) 769/1,000 (California region)

Kemper Insurance reviews are average when you look at ratings from leading research organizations. The company stands out for its good financial strength, with an A rating from AM Best. However, Kemper ranked last in J.D. Power’s 2021 U.S. Auto Insurance Study for the California region.

Top reasons to consider Kemper

If you’re looking for an insurance company with a lot of additional coverage options and generous discount choices, Kemper may be the right fit for you. It offers plenty of additional coverage options for home and auto policies, and its discounts are in line with other major insurance providers.

Kemper may be a good option for people who have had trouble getting car insurance in the past. Kemper insurance provides good coverage options for new drivers, drivers with accidents and drivers who need an SR-22 to continue driving. Because of the student discounts, it’s also a great choice for those in college or those with young adults in college.

Kemper home insurance is a good option if you live in one of the 13 covered states. The coverage is minimal, but you can take advantage of many discounts that will likely lower your premium.

Kemper’s limited pay whole life insurance policies may be a good fit for someone searching for a life insurance policy with cash value that doesn’t expire and that they don’t have to make premium payments on forever.

Additional policies offered by Kemper

In addition to home and car insurance, Kemper offers other insurance products that may be useful to people who want to bundle their services:

  • Boat Insurance
  • Commercial Auto
  • Health Insurance
  • Personal Catastrophe Liability
  • Renters/Condo Insurance
  • Fire insurance

Frequently asked questions

What information is needed to get a quote from Kemper?

Getting a quote with Kemper is quick and easy. To get a quote, all you will need is your vehicle information (year, make and model), your driving record and personal information. You’ll fill out a quick form online, and your quote will be delivered instantly.

How do I file a Kemper insurance claim?

You can report a claim online with Kemper’s website. You’ll need your personal information, information about the other driver (if applicable) and vehicle and accident information. Once you submit your claim online, a representative will follow up with you.

What if I need an SR-22?

Kemper can help you with your SR-22 needs. Contact a local agent today to find out what you need to get an SR-22.

Can I pay my Kemper insurance bill with autopay?

Yes, Kemper offers a discount for people who sign up with EZPaySM. Payments are automatically deducted from the account on file so you don’t need to worry about taking care of your bill each month.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Written by
Elizabeth Rivelli
Insurance Contributor
Elizabeth has two years of experience writing for insurance domains such as Bankrate.com, The Simple Dollar, Coverage.com and NextAdvisor, among others. In addition to auto insurance, Elizabeth regularly writes about home insurance, renters insurance and life insurance. She also covers industry trends and general insurance education.
Edited by
Insurance Editor