Kemper Insurance Review (2026)
- Overall rating: fair (2.7/5 stars)
- Average cost: $1,397 for a 6-month policy
- Digital Experience Score: Fair (2.8/5 stars)
Read more below to get a quote directly from Kemper.
Kemper Insurance: A fair choice for most shoppers
A broad list of discounts, extra coverage options and accessability for high risk drivers has earned Kemper a fair rating from experts at The Zebra.
Our customers generally agree, according to the respondants to our survey. Kemper customer service has garnered mixed reviews, but trust and reliability make up for this.
Market Stability and Longevity: Kemper's established history suggests reliable long-term coverage.
Response Times Across Channels: Kemper's fast responses get your policy questions answered quickly without long waits.
Mobile App Functionality and Usability: Kemper's poor or missing app forces you to use less convenient methods.
Communication During Claims Process: Kemper's inadequate communication forces you to chase down claim updates.
How The Zebra evaluates insurance companies
| Rating | Explanation | Star rating equivalent |
|---|---|---|
| Subpar | Lowest ranking, suggesting instability or high risk | 0-1.9 |
| Fair | Somewhat stable but not consistently reliable | 2-2.9 |
| Good | Generally dependable with moderate stability | 3-3.9 |
| Solid | Strong, reliable and dependable with minor risks | 4-4.4 |
| Exceptional | Highest rating, indicating outstanding stability and reliability | 4.5-5 |
Methodology — how The Zebra reviews insurance companies
The team of insurance experts at The Zebra evaluates companies by focusing on customer experience first, with an emphasis on service quality, reliability, and ease of interaction. Unlike previous models, pricing is not scored but is instead presented separately as context for comparison.
Each category has been scored using a combination of our internal customer satisfaction survey results and published scores from reputable organizations such as AM Best and J.D. Power.
- Service Accessibility & Support Quality (25%): This category measures how easy it is to get help when needed, evaluating factors such as support channel availability (phone, chat, in-person, app), response times, agent knowledge, service hours, and language accessibility.
- Claims Experience (25%): This category assesses how smoothly the claims process works, considering ease of filing (online, app, or phone), transparency and communication, processing times, and fairness in dispute resolution.
- Digital Experience & Policy Management (25%): This category evaluates the convenience of managing your policy: this includes mobile app usability, website experience, account management, digital document access, self-service options, and platform integrations
- Trust & Reliability (25%): This category looks at a company’s overall reliability, measuring financial strength, market stability, regulatory history, communication transparency, and consistency in policy terms.
Price context: Pricing varies significantly based on individual circumstances and risk factors. Customers can evaluate cost-effectiveness based on their specific situation and the service quality scores provided.
How much is Kemper car insurance?
Currently, the national average for a 6-month car insurance policy is $1,084, whereas Kemper is about $1,397.
The Zebra’s Dynamic Insurance Rating Tool data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
See how Kemper stacks up against competitors →
Discounts offered at Kemper equal to it's larger competitors
The discounts offered by Kemper are not much different from those available from other larger insurance providers. Keep in mind discounts may vary depending on your state and whether or not you’re considered a preferred, standard or non-standard customer.
Active duty military and members of the National Guard are eligible for this discount.
Keep up the good grades to be rewarded with a student discount.
Kemper offers a discount for non-standard policyholders who maintain active insurance and don’t let it lapse.
| Kemper Co-Pilot | Defensive Driving Course Discount |
| Advance Quote Discount | Good Student Discount |
| Proof of Prior Insurance Discount | Military Discount |
| Paid-in-Full Discount | Homeowner Discount |
| Multi-Car Discount |
To learn more about each discount Kemper has to offer, see their discounts page.
Compare with other companies
See how Kemper stacks up against similar companies
Cost: $1,397 average cost for a six month policy
Customer satisfaction: Medium
Our take:
- Good trust and reliability
- Average service accessibility & support quality
- Below average claims satisfaction
Cost: $1,086 for a six month auto policy
Customer satisfaction: High
Our take:
- Cheaper prices than Kemper
- Better customer service scores than Kemper
- Better claims experience than Kemper
Cost: $1,460 average cost for a six-month policy
Customer satisfaction: Medium
Our take:
- Higher prices to Kemper
- Similar claims experience scores to Kemper
- Better digital experience than Kemper
Kemper's customer service & claims experience: A mixed bag
Kemper's customer service varies widely depending on the issue. They tend to give an above-average experience at things like customer agent knowledge, along with both availability and response times through all channels. Where there could be a challenge is through the communication during the claims experience, along with transparency and average processing time of those claims.
Thinking about Kemper?
See what other drivers are asking
Will Kemper help if I need SR-22 or had a lapse?
Who does Kemper insure?
Why is my third-party claim with Kemper taking forever?
Does Kemper take drivers with tickets and accidents?
How much will your rates climb after filing a claim with Kemper?
No one wants to file a claim, but sometimes it's impossible to avoid. See the table below for some examples of what you could be facing after filing a claim.
Updating data...
| Accident/Violation | Avg. 6 Mo. Premium |
|---|---|
| None | $1,385 |
| Two comp claims | $1,385 |
| One comp claim | $1,385 |
| At-fault accident - greater than $2000 | $2,637 |
| At-fault accident - $1000-$2000 | $2,637 |
Kemper's claims process is accessible online and via their mobile app, making it convenient for policyholders. While simple claims are often resolved quickly, more complex cases can lead to longer wait times. Customer satisfaction surveys consistently place Kemper in the lower tier, indicating they offer poor communication during handling complicated claims efficiently.
Coverage options: Flexible and customizable
Along with standard coverage like comprehensive, collision, liability, medical payments and uninsured/underinsured motorist, Kemper allows its customers to tailor their policies to meet their needs. Below are some optional extras that can be added to a Kemper insurance policy.
- Kemper Total™: If you’re involved in an accident that caused significant damage to your vehicle, this coverage will pay out according to your car’s replacement value instead of the standard actual cash value (ACV), which may be less than you expect due to depreciation. Kemper will either pay to repair the damage or replace your vehicle — whichever costs less. The only caveat is that this coverage is only available for brand-new cars that are leased or purchased.
- Gap insurance: Sometimes known as auto loan/lease coverage, gap coverage ensures you’re not left financially underwater following a total loss. It will cover the outstanding amount on your vehicle loan or lease if the payout — based on ACV — won’t cover the full amount you owe. Gap insurance is automatically included if you opt into Kemper Total™.
- Enhanced coverage: Get optional coverages, like accident forgiveness, trip interruption coverage, key replacement, personal property protection, diminishing deductible and a deductible waiver (if your parked car is damaged), rolled into one package.
Carrier pulse: Recent news from Kemper
- Kemper has also affirmed strong credit ratings for its property & casualty group by AM Best[3]
Final thoughts: Is Kemper Right for You?
Despite Kemper's many years in the insurance space, it appears to adhere to more outdated practices than other insurance companies. Online and mobile capabilities are limited, so if you are someone who enjoys technological advancements, this may disappoint you. It also has less-than-stellar customer reviews and a higher-than-average complaint index. Still, Kemper offers a large selection of discount opportunities, coverage options and insurance products. The Zebra believes that this company is worth looking into for customers with basic insurance needs or those that are considered high-risk.
Frequently Asked Questions about Kemper
Get quotes from Kemper and other top companies
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Anonymized User Survey. The Zebra
Yahoo Finance. Yahoo Finance
About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.