Kemper Insurance

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This review will tell you all you need to know about Kemper Insurance. You’ll learn which states the company serves and where the company fits in terms of financial strength. We also share with you how consumers view the company. And you'll learn about the many discounts it offers. Finally, we’ll walk you through how Kemper Insurance handles its claims process. Then you should have all the tools you need to decide if Kemper Insurance is right for you.

Best If

  • You have a flawed record and need affordable rates

Worst If

  • You want a fast claims process

By The Numbers

  • Kemper Insurance offers auto insurance in 26 states
  • Employs 6,000 associates
  • Is represented by more than 20,000 independent agents and brokers
  • Currently has about six million policies in effect

What Does a Policy Cost?

Comparing quotes is the best way to get the lowest rates from top insurers like Kemper Insurance. QuoteWizard is an independent company that helps you find the right policy at the best rate.

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Consumer Reviews

  • ExpertInsuranceReviews.com
    • Gave Kemper 3.5 out of 5 stars
    • Said that Kemper offers insurance at low rates
    • Liked their buy-direct option for insurance policies
  • USInsuranceAgents.com
    • Gave Kemper 2.5 out of 5 stars
    • Some consumers complained about their rates going up without advance notice
    • Some consumers liked the rates Kemper offers and its umbrella policy option
  • Better Business Bureau
    • Gave Kemper an A+ rating, though it is not BBB accredited
    • The company's age and response and resolution of complaints contributed to its score

Consumer Satisfaction and Financial Strength Ratings

Consumer Complaint Data

Year
Total Complaints
Percent Change
2016
14
-26%
2015
19
2014
13
-7%
2013
14
--
Source: National Association of Insurance Commissioners

U.S. Auto Insurance Shopping Study (2016)

Overall Purchase Experience
Policy Offerings
Pricing
Local Agent
Call Center Representativ
Insurer Website

U.S. Auto Insurance Claims Satisfaction Study (2015)

Overall Satisfaction
First Notice of Loss
Service Interaction
Appraisal
Repair Process
Rental Car Experience
Settlement
Source: J.D. Power

Financial Ratings

A-
A.M. Best
Excellent rating; fourth-highest possible
--
Moody's
--
A-
S&P's
Strong; sixth-highest rating possible

Roadside Assistance

Kemper Direct Roadside Assistance and Towing

Kemper Direct includes services like flat tire change or dead battery replacement. 

Direct Roadside Assistance works to service your broken down car. You can get it through your existing auto insurance policy. Towing services are reimbursed by filing a claim for towing costs.

Services Covered

  • Towing
  • Replace Flat Tire With Spare
  • Gas Delivery
  • Lockout Service

Contact Phone Number

Call 877.268.7416 for Roadside Assistance or Towing. Please have your membership card handy.

Mobile Apps

Kemper Photo/Express Inspection lets you submit photos of your vehicle damage after you file a claim. By uploading photos of your damages with the app, you’ll get faster claims service.

To download the app for Android, click here.

History

Kemper Insurance was founded in 1990 as Unitrin Inc. In 2002, Unitrin purchased insurance lines from Kemper Insurance. Unitrin acquired the rights to the Kemper name and began operating as Kemper Corporation.

Claims Process

To file a claim with Kemper, click here.

On its website, Kemper has more info for reporting claims over the phone. Its phone claims service is available 24/7 and can be reached at (866) 536-7376. A claims rep will guide you through each step and answer all your questions.

Kemper’s FAQ page also provides answers and details for its claims process.

Contact Information

Claims Site
Customer Service Site

Mailing Address:
Kemper Direct Customer Service
P.O. Box 3057
Scranton, PA 18505

Customer Service Phone Number: 1 (800) 437-8394