Kemper insurance review 2025

Kemper car insurance cost

Kemper’s average auto insurance rates are generally higher than the national average. Full coverage costs an average of $3,174 annually with Kemper versus $2,692 per year nationally. Minimum coverage with Kemper averages $1,340 per year, which is significantly more than the national average of $808. However, keep in mind that getting a quote is the best way to determine how much you’ll pay for Kemper car insurance.

How much is Kemper car insurance?

Drivers with a history of accidents or ticket convictions may find getting cheap car insurance more difficult than drivers with a clean driving record. Although Kemper’s average rates are higher than the national average, the company does offer coverage for drivers with a DUI (not all carriers do). This may be helpful for drivers who can’t secure coverage from a standard provider.

Drivers with international licenses usually have trouble obtaining coverage since providers cannot access their driving history. Not having a driving history to pull from may increase your rates, but Kemper states they offer coverage for drivers with state IDs and international licenses. Note that the rates below are averages, and your individual rate may differ based on a variety of factors.

Kemper car insurance quotes by age

When it comes to car insurance, age is a key consideration insurers use when calculating rates. Young drivers have fewer years of driving experience when compared to most older drivers. They also have a higher likelihood of filing claims, which leads to more expensive car insurance rates. As such, rates trend downward as drivers get older. Below is a comparison of current car insurance rates from Kemper by age based on a clean driving record. Again, note that your individual rate may differ.

Compare Kemper car insurance rates

No two insurance companies are exactly alike. They offer different insurance products and discounts and might have different underwriting standards or serve unique customer demographics. This is why most financial experts recommend requesting quotes from several insurance providers before purchasing a policy. While Kemper’s auto insurance rates are higher than average, you might find that the rates are competitive for nonstandard auto insurance.

Kemper customer satisfaction

When considering one insurance company over another, one factor you may want to think about is customer satisfaction. While you can ask friends and family for their experience, you can also reference third-party ratings from data aggregation sources like J.D. Power and AM Best, which carry out studies and release reports about customers’ satisfaction with their insurance and historical financial strength, respectively.

Kemper auto claims satisfaction

Kemper auto insurance customer complaints

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:

• Kemper Co-Pilot: Kemper offers a telematics program that tracks your driving habits. Users can earn an automatic 10 percent discount just for enrolling in the program.
• Defensive driving course discount: If you complete an approved defensive driving course and meet the company’s requirements, Kemper could reward you with a discount.
• Multi-car discount: If you’re insuring more than one vehicle with Kemper, you could earn a discount on each policy’s premium.
• Good student discount: Full-time students who maintain a 3.0 or higher GPA could earn an auto insurance discount.
• Paid-in-full discount: Kemper offers customers a discount for paying the entire term’s premium up front instead of in installments.
• Military discount: If you’re an active duty or National Guard member, you might be eligible for an auto insurance discount.

Pros and cons of Kemper life insurance

Kemper offers several life insurance options, such as whole life, term life, guaranteed issue and accidental and health coverage. While it didn’t make our list of best life insurance companies, the company has many options and could be of interest if you already have a Kemper Auto policy.

Kemper life insurance riders

Kemper does not provide much information about its life insurance riders online, but it does mention that riders are available for whole life insurance policies. You can contact a Kemper agent for life insurance quotes and more information on riders.

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

If otherwise specified, the base profile has been modified with the following driver characteristics:

Bankrate Score

Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach. 

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

• Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC). 
• Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
• Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.

Bankrate Score

• Tier 1 (Cost & ratings): To determine how well home insurance companies satisfy these priorities, our team analyzed average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
• Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
• Tier 3 (Support): To encompass the many ways a home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.