Skip to Main Content

Kemper Insurance review 2022

Updated Nov 15, 2022
Bankrate logo

The Bankrate promise

At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation of . Our content is backed by Coverage.com, LLC, a licensed entity (NPN: 19966249). For more information, please see our .

At a glance

Not rated
Caret Down

About Bankrate Score

Hover for more
Kemper might be a good choice for high-risk drivers or drivers without a standard driver’s license. However, the company’s standard auto insurance program doesn’t stand out among its competitors, and Kemper’s home insurance options aren’t as robust as other companies.

Pros

  • Car insurance options for high-risk drivers
  • Strong social responsibility program

Cons

  • Low J.D. Power auto claims satisfaction rating
  • Higher-than-average auto insurance rates
  • Limited home endorsement options
Answer a few questions to see personalized rates from top carriers
 

Kemper, founded in 1990, writes various insurance products through a network of underwriting companies. The carrier notably offers options for high-risk drivers and those without drivers’ licenses, so it could be a good option for those with less-than-perfect driving records. Kemper is licensed in all 50 states and Washington, D.C., but not all products are available in all areas. If you’re interested in Kemper, Bankrate’s Kemper Insurance review may help you decide if you should seek out quotes from this lesser-known company.

Kemper car insurance

Kemper car insurance might be a good choice for many customers, including drivers seeking personalized coverage and struggling to find an insurer due to driving history blemishes. Its Kemper Personal Insurance is designed for more standard drivers, while “Kemper Auto” is geared toward high-risk drivers. Although Kemper is licensed to do business in all 50 states and Washington, D.C., product availability may vary by state. Kemper also uses a number of underwriting companies for its auto insurance, so your policy may not actually be written by Kemper. Additionally, Kemper received the lowest score in the 2021 J.D. Power U.S. Auto Claims Satisfaction Study, which could indicate that customers may have a poor claims experience.

Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Shop rates and compare quotes

Get personalized auto insurance quotes by answering a few quick questions
Caret DownCaret Up
Please select age
Location-Icon Created with Sketch.
Quick facts
Moneybag
Save $610 on average this year by shopping for new car insurance
Location Pin
Rates vary by state up to 246%
Auto Insurance
The average American pays $145/month for auto insurance
Powered by Coverage.com (NPN: 19966249)
Insurance Disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

See more providers in
Choose from insurers in

 

The Kemper Personal Insurance auto policy has customization options, but none are unique or rare. You may be able to add options like Kemper Loan/Lease coverage (also called gap coverage), Kemper Total (for replacement value on new cars), or Kemper Prime Auto Enhanced (which adds several features). Coverage options on the Kemper Auto policy are more limited, but the policy may still be a good car insurance option for some drivers. If you have a suspended license or need an SR-22 form, Kemper Auto may be able to help you. The non-standard program also writes coverage for drivers with international licenses, state IDs and Matrícula Consular identification cards from Mexico.

Kemper car insurance cost

Kemper’s average auto insurance rates are generally higher than the national average. Full coverage costs an average of $2,687 per year with Kemper versus $1,771 per year nationally. Minimum coverage with Kemper averages $1,102 per year, which is quite a bit more than the national average of $545. However, keep in mind that Kemper has a product that caters to high-risk drivers, which may skew the overall premiums to the higher side. Getting a quote for coverage is the best way to determine how much you’ll pay for Kemper car insurance.

Kemper average annual full coverage premium National average annual full coverage premium
Clean driving history $2,687 $1,771
Speeding ticket conviction $3,055 $2,138
At-fault accident $3,469 $2,521
Adding a 16-year-old driver $5,808 $3,852

Kemper car insurance discounts

Kemper offers several savings opportunities that may help policyholders save on their car insurance. Some of Kemper’s car insurance discounts include savings for getting a quote before your prior policy ends, being a member of the military, having prior insurance and taking a defensive driving course. None of the discounts are too unique, but they may still help you lower your premium.

Kemper home insurance

Kemper might be the best home insurance company if you are looking for a simplified shopping experience that still includes some options for personalization. Kemper home insurance comes in three packages: Kemper Prime Home Essentials, Kemper Prime Home Enhanced and Kemper Prime Home Elite. The Essentials package is the most basic, and the Elite package is the most robust, but each option has a set of endorsements that can be used to get more financial protection.

Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Mortgage

Compare home insurance rates

Answer a few questions to see personalized rates from top carriers.
Location-Icon Created with Sketch.
Your information is kept secure
Caret DownCaret Up
Caret DownCaret Up
Field is required
Powered by Coverage.com (NPN: 19966249)
Insurance Disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Quick Facts
Moneybag
$382/year
average savings through Bankrate
Two Thirds
2 out of 3 homes
are underinsured
Insurance Home
1 out of every 20
insured homes makes a claim each year
Circle Check
100% of homes
need insurance before getting a mortgage
See more providers in
Choose from insurers in
Mortgage

Leaving so soon? Your custom quotes are just minutes away.

 

Kemper home insurance is also underwritten by a number of companies, which means options could vary based on the underwriting company that your policy is assigned to. However, Kemper does note that it offers optional coverage like scheduled personal property, equipment breakdown, identity fraud expense and water backup coverage. While these options are helpful, Kemper doesn’t list nearly as many endorsements on its website as many of its competitors.

Kemper home insurance cost

Unlike its auto insurance, Kemper home insurance tends to be competitively priced. On average, a policy with $250,000 in dwelling coverage costs $907 per year, whereas the national average cost for home insurance is $1,383 for the same coverage. However, Kemper’s policies may have fewer options for customization than its competitors, which may contribute to its lower prices.

Dwelling coverage limit Kemper average annual premium National average annual premium
$150,000 $547 $980
$250,000 $907 $1,383
$350,000 $1,262 $1,887
$450,000 $1,578 $2,351
$750,000 $2,797 $3,414

Kemper home insurance discounts

Kemper does offer a few home insurance discounts, including savings for military members, alarm systems, safety devices and bundled policies. While none of these savings opportunities stand out as unique to Kemper, they could still lower your rate.

Kemper life insurance

If you already have home or auto insurance with Kemper, you might want to consider the company’s life insurance options. While its products don’t stand out as particularly unique or impressive, keeping all your policies with one company can appeal to some policyholders. Kemper didn’t make our list of best life insurance companies, though, so you may want to consider comparing companies before choosing one.

Kemper life insurance comes in three forms: whole life, term life and guaranteed issue life. Like its other product lines, Kemper life insurance is underwritten by a variety of third-party companies, so your options may vary based on which underwriting company you qualify for.

Kemper life insurance endorsements

Kemper does not list any life insurance endorsements on its website, but it does note that various riders can be added to whole life policies. Talking with a Kemper agent about your rider options is likely the best way to learn what endorsements are available.

Other Kemper perks worth considering

In addition to auto, home and life insurance, Kemper offers the following insurance products:

  • Renters
  • Condo
  • Mobile home
  • Flood
  • Motorcycle
  • ATV
  • RV
  • Boat
  • Personal valuables
  • Personal umbrella
  • Fire/contents protection
  • Accident and health
  • Commercial auto
  • Commercial general liability
  • Business owners

Most of these products are also underwritten by third parties, just like the products already discussed, so coverage options may vary by state and underwriting company.

Kemper corporate sustainability

Kemper has implemented corporate responsibility programs in several areas:

  • The Kemper Foundation supports communities in health, education and community development.
  • Kemper Cares is an employee volunteer program.
  • Read Conmigo is a part of the Kemper Foundation that supports teachers operating in a bilingual Spanish-English classroom setting.
  • Kemper Scholars Program awards scholarships to help students develop leadership skills.

Not sure if Kemper is right for you? Consider these alternatives

When looking for the right home, life or car insurance company, it’s usually helpful to compare quotes from several carriers. This allows you to compare multiple facts about each insurer to find the option that is best for you. Some similar companies to Kemper include:

  • Direct Auto: If Kemper’s non-standard auto insurance is appealing to you, check out Direct Auto as well. The company offers car insurance options to high-risk drivers and also sells numerous other types of coverage.
  • Farmers: Farmers home insurance has a similar structure to Kemper, with three different tiers of coverage to choose from. However, Farmers offers more options for customization than Kemper and has a longer list of discounts.
  • Geico: Geico offers coverage for standard and non-standard drivers and offers plenty of ways to save. The company also sells home insurance through a third party.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes, and carriers in all 50 states and Washington, D.C. Quoted rates are based on 40-year-old male and female homeowners with a clean claim history, good credit and the following coverage limits:

Auto

  • $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 coverage that meets each state’s requirements. Our sample drivers own a 2020 Toyota Camry, commute five days a week and drive 12,000 miles annually.

Age: Rates were calculated by evaluating our base profile with the ages 18-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts.

Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), single speeding ticket and single at-fault accident.

Homeowners

  • Coverage A, Dwelling: $150,000, $250,000, $350,000, $450,000, $750,000
  • Coverage B, Other Structures: $15,000, $25,000, $35,000, $45,000, $75,000
  • Coverage C, Personal Property: $75,000, $125,000, $175,000, $225,000, $375,000
  • Coverage D, Loss of Use: $30,000, $50,000, $70,000, $90,000, $150,000
  • Coverage E, Liability: $300,000, $300,000, $300,000, $300,000, $500,000
  • Coverage F, Medical Payments: $1,000

The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).

These are sample rates and should be used for comparative purposes only. Your quotes will differ.

Compare rates and save on auto insurance today!

Close X