Kemper Car Insurance Review 2026

Kemper car insurance review

Jerry rates Kemper 3.9 stars out of 5. This score takes into account industry ratings, consumer ratings, financial strength and national complaint data.

Kemper can provide car insurance to drivers who may struggle to get a policy elsewhere, but rates may be high compared to some of its competitors. This insurer provides a somewhat limited list of discounts but boasts relatively good ratings from Jerry customers and a high financial strength rating.

Who is Kemper best for?

Because Kemper files SR-22 documents on behalf of its drivers, it may be a good choice for drivers whose licenses have been suspended and those who struggle to find coverage elsewhere. Specifically, Kemper can provide policies to people without an active driver’s license, which can be hard to find.

Kemper’s car insurance rates can be high compared to other insurers, according to Jerry’s quote data. It’s wise to check for quotes with multiple providers to find the most affordable policy, if you have more options.

How much does Kemper car insurance cost?

The average cost of state-mandated minimum car insurance with Kemper is higher than the national average, according to aggregate data collected from over 400,000 policies quoted to real customers via Jerry in 2024 from 24 different insurance companies.

Your premium is determined by a number of factors, including your age, location, the type and age of vehicle you drive, your driving record, other drivers on your policy, and the amount of coverage you want. Maintaining consistent insurance coverage is a bigger factor than you might think, and Kemper’s specialty offering policies to people with coverage lapses likely results in higher than average rates.

Kemper car insurance rates

Here’s a look at Kemper’s car insurance rates quoted for real Jerry customers:

Kemper car insurance discounts

Kemper has a limited list of discounts compared to some of its competitors. Policyholders can save by:

• Getting a quote before their current policy ends.
• Providing proof of insurance before getting a policy with Kemper.
• Paying the premium in full up front.
• Insuring multiple vehicles.
• Taking a defensive driving course.
• Insuring a full-time student with a GPA of 3.0 or higher.
• Being a military member.
• Having a homeowners insurance policy, even through a different insurer.

Does Kemper offer insurance based on driving behavior?

Yes. New policyholders can participate in Kemper’s Co-Pilot, a telematics program that requires drivers to download a mobile app that tracks their driving behavior. Customers get an automatic 10% premium discount for enrolling, which rolls over each year they remain enrolled.

However, the insurer may use data about your driving behavior to price your policy when it renews, meaning your driving behavior could cause your rate to increase, even after the 10% discount is applied.

Kemper car insurance coverage options

Most insurers offer collision, comprehensive, liability for bodily injury, liability for property damage, medical expense, personal injury protection and uninsured/underinsured motorist coverages.

• Common coverages

  • Coverage Definitions

    Bodily injury liability (BI)

    • Who it pays: The other person, for injuries when you’re at fault in a crash.

    • What it covers: Medical bills, lost wages and legal costs for people injured in an accident you cause.

    • How it pays: Up to your policy limits, shown as two numbers. For example, 50/100 means $50K per person and $100K per accident.*

    • Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least 100/300.

    Property damage liability (PD)

    • Who it pays: The other person, for property you damage in a crash.

    • What it covers: Costs to repair or replace another person’s car, fence, mailbox or other property you hit.

    • How it pays: Up to your policy’s limit. For example, $50K.*

    • Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least $100K.

    *Bodily injury liability and property damage liability are typically shown as three numbers on your policy, like 100/300/100. The first two numbers represent your bodily injury limits per person and per accident, while the third number represents your property damage limit.

    Collision

    • Who it pays: You, for damage to your own car.

    • What it covers: Costs to repair or replace your own car after a crash with another car or object, like a guardrail or pole.

    • How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.

    • Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.

    Comprehensive

    • Who it pays: You, for damage to your own car.

    • What it covers: Damage from non-crash events like theft, vandalism, hail, flooding, falling trees, fire or hitting an animal.

    • How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.

    • Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.

    Uninsured/underinsured motorist (UM/UIM)

    • Who it pays: You and your passengers, for injuries and property damage.

    • What it covers: Your own injuries and property damage when the at-fault driver has no insurance or not enough to cover your costs, including hit-and-runs in many states.

    • How it pays: Up to your chosen limits, which often match your BI limits. There’s usually no deductible for UM, but UIM may have one.

    • Do you need it? Required in some states, but Jerry recommends every driver get it, since about 1 in 8 drivers does not have car insurance.

    Personal injury protection (PIP)

    • Who it pays: You and your passengers, for medical bills and lost income, no matter who caused the accident.

    • What it covers: Medical bills, lost wages, childcare, funeral costs and other expenses after an accident, regardless of fault.

    • How it pays: Up to your policy limit. There’s usually no deductible, though this varies by state.

    • Do you need it? Required in no-fault states. If available in your state, it’s worth considering.

    Medical payments (MedPay)

    • Who it pays: You and your passengers, for medical bills.

    • What it covers: Medical expenses after an accident, regardless of fault.

    • How it pays: No deductible. Pays up to your policy’s limit.

    • Do you need it? Optional in most states, but can be valuable if you don’t have health insurance or have a high-deductible health plan.

Kemper also provides the following types of coverage:

• Roadside assistance, which includes fuel delivery, towing, jump-starts and tire-change services if your vehicle is disabled on the road.
• SR-22 coverage for drivers with violations such as DUIs or driving without insurance, or those who have had their licenses suspended, revoked or canceled.

• NAIC

  Kemper had a higher-than-average consumer complaint index with the National Association of Insurance Commissioners (NAIC) between 2021 and 2023, meaning the insurer had more complaints than expected for a company of its size during that period.

  Qualitative rating	3-year consumer complaint index
  High	Above 1.5.
  Moderately high	1 to 1.5.
  About average	Near 1.
  Moderately low	1 to 0.5.
  Low	0.5 to 0.

  The NAIC is the member group for state insurance commissioners in the United States. It makes recommendations, analyzes insurer financial filings, maintains reporting and more for insurance regulators.

• CRASH Network

  CRASH Network, an automotive industry trade publication, gives Kemper a C- in its 2024 Insurer Report Card. The report card asks more than 1,000 collision repair professionals across the United States “how well an insurer’s claims handling policies, attitude and payment practices ensure quality repairs and customer service for motorists.” 

  Kemper was ranked No. 72 out of the 88 insurers rated.

  For 2026, the CRASH Network’s survey received responses from 1,107 repair professionals. Insurers that received a grade from at least 35 respondents were included in the 2026 report card. Read more about the report card methodology on the CRASH Network’s website.

• AM Best

  AM Best gives Kemper a financial strength rating of A-, which means the insurer has an excellent ability to pay out claims.

  AM Best is a credit rating agency that specializes in insurers’ ability to meet their financial obligations.

Kemper auto insurance customer reviews

Hundreds of Jerry customers who have used and reviewed Kemper’s auto insurance have rated the company well.

4.1

327 Reviews

Jerry customer reviews of Kemper

5 Stars

56%

4 Stars

17%

3 Stars

13%

2 Stars

6%

1 Star

7%

How to contact Kemper

Kemper encourages prospective policyholders to contact a local agent for quotes and coverage information (https://www.kemper.com/get-started/find-an-agent). Policyholders can contact the company via the form on its website (https://www.kemper.com/about-kemper/contact-us).

Here are the phone numbers for Kemper.

Customer service: 800-353-6737.

Claims: 800-353-6737.

Methodology

Statistics, rates and conclusions in this article are based on Jerry’s proprietary database of real-world car insurance quotes, not third-party models or estimates. As a licensed insurance broker in all 50 states, Jerry has firsthand visibility into how quotes are generated and validated, and all data is aggregated and anonymized to protect privacy. With millions of quotes delivered each year (often multiple offers per driver), our datasets are large enough to avoid bias toward any one region, insurer or driver type.

Unless otherwise indicated, quotes shown are from drivers with clean records in the last 12 months. Quotes involving accidents, violations or credit use the last 18 months to ensure a reliable sample.

How we rate car insurance companies

Jerry’s team of car insurance expert writers and editors analyzes real customer ratings, regulatory data and industry reports to evaluate each insurer across the factors that matter most when shopping for and using auto insurance: claims handling, customer satisfaction, complaint volume, coverage breadth, cost and discounts, financial stability and direct customer feedback from Jerry shoppers.

To calculate our 2026 Jerry Score rating, we analyzed over 1,200,000 actual policy quotes for real Jerry customers last year, across 100+ different insurers. This was used alongside data from independent industry sources covering financial strength, claims handling, customer satisfaction and customer complaints to create a proprietary score for our top insurance companies.

We regularly reassess insurers’ star ratings and fact-check these reviews to ensure they’re accurate and up-to-date. Each factor rolls up into a weighted composite score on a 1 to 5 scale.

What we measure

• Claims and repair experience (16%)
  • J.D. Power Auto Claims Satisfaction Study (5%)
  • CRASH Network Insurer Report Card — collision repair professionals’ ratings of how well insurers’ practices support quality repairs (4%)
  • J.D. Power U.S. Auto Insurance Study — regional customer satisfaction with policy experience (7%)
• Customer complaints (11%)
  • NAIC Complaint Index — current complaint volume relative to industry average (8%)
  • NAIC three-year trend — direction of complaint volume over time (3%)
• Cost and value (11%)
  • Loss ratio — share of premium dollars paid out in claims, with scoring tuned to identify insurers in the healthy 65% to 78% middle ground (5%)
  • Discount and program density — count of available discounts and savings programs (6%)
• Financial stability (15%)
  • AM Best Financial Strength Rating (12%)
  • AM Best Outlook (3%)
• Coverage and features (13%)
  • Breadth of optional coverages, telematics programs and rider availability
• Customer experience (24%)
  • Clearsurance peer reviews — aggregated policyholder ratings (10%)
  • Mobile app — availability and average rating across iOS and Android (7%)
  • Better Business Bureau rating (7%)
• Jerry customer reviews (10%)
  • Direct feedback from Jerry customers who hold or have held a policy with that insurer

Insurers must have data coverage of at least 60% across these measures to receive a composite score.

Editorial integrity

We’re all about balanced, unbiased and helpful content at Jerry. None of our articles are sponsored by advertisers or insurance companies, so you can trust the information we provide. As a comparison platform that works with 100+ insurers, Jerry has no reason to favor one insurer over another. Our job is to help you find the best fit for your situation.

Jerry does earn a commission from insurers when you purchase a policy through our platform. This does not affect our editorial ratings or insurer assessments, though, which are determined independently by our insurance experts. Click to read more about Jerry’s data gathering and verification processes.

Expert-driven. Built for you.

Why you can count on Jerry’s articles

Why you can count on Jerry’s articles

Our goal is clear, trustworthy information.

Our content is created, edited and fact checked by a team of licensed insurance agents, automotive pros and experienced journalists who know the industry inside and out. Facts are thoroughly researched, verified and kept current, and our editorial team is separate from our business partners, so our opinions & tips are unbiased. All insights drawn from Jerry’s proprietary, aggregated customer auto insurance quotes data provide unique, real-world guidance.

Our experts

Annie Millerbernd

Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by Northwestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.

Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.

See more

Lacie Glover

Lacie Glover is a Lead Writer and Editor with sixteen years’ experience in the insurance category. Prior to Jerry, she spent more than a decade on NerdWallet’s content team writing, editing and then overseeing the auto insurance category, as well as dabbling in other insurance and automotive topics. Prior to her career in the online personal finance content space, Lacie spent time in the hard sciences, in clinical research and chemistry labs. She has a bachelor’s degree from Colorado State University.

See more

Expert-driven. Built for you.

Why you can count on Jerry’s articles

Why you can count on Jerry’s articles

Our goal is clear, trustworthy information.

Our content is created, edited and fact checked by a team of licensed insurance agents, automotive pros and experienced journalists who know the industry inside and out. Facts are thoroughly researched, verified and kept current, and our editorial team is separate from our business partners, so our opinions & tips are unbiased. All insights drawn from Jerry’s proprietary, aggregated customer auto insurance quotes data provide unique, real-world guidance.

Our experts

Annie Millerbernd

Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by Northwestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.

Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.

See more

Lacie Glover

Lacie Glover is a Lead Writer and Editor with sixteen years’ experience in the insurance category. Prior to Jerry, she spent more than a decade on NerdWallet’s content team writing, editing and then overseeing the auto insurance category, as well as dabbling in other insurance and automotive topics. Prior to her career in the online personal finance content space, Lacie spent time in the hard sciences, in clinical research and chemistry labs. She has a bachelor’s degree from Colorado State University.

See more