Kemper Insurance

Looking for information about Kemper Insurance? We've got you covered.
x

Which Company Will Save You the Most Money?

Compare Rates From These Top Companies

Compare Rates
This profile will tell you everything 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 their experience with the company, as well as information on the many discounts it offers. Finally, we’ll walk you through how Kemper Insurance handles its claims process. From there, you’ll have all the tools you need to decide whether Kemper Insurance is the right insurance provider for you.

Best If

  • You have a flawed record but need affordable premiums

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

Consumer Reviews

  • ExpertInsuranceReviews.com
    • Gave Kemper 3.5 out of 5 stars
    • Said that Kemper offers insurance at reasonable 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
    • However, other 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 length of time in business 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 will give you the help you need when you’re out on the road with multiple services such as flat tire change or dead battery replacement. 

Direct Roadside Assistance works to service your broken down vehicle. It's purchased 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

Please have your Roadside Assistance Membership Card handy and call 877.268.7416 to arrange for Roadside Assistance or Towing

Mobile Apps

Kemper Photo/Express Inspection is an app for your mobile device that lets you submit photos of your vehicle damage after you file a claim. By uploading photos of your damages through the app, you’ll get faster claims service as a result.

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, which was based in Chicago at the time. From there, Unitrin acquired the rights to the Kemper name and officially began operating as Kemper Corporation. 

Claims Process

To file a claim with Kemper, click here.

On its website, Kemper provides 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 representative will be on the other line to 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