What Discounts Does Kemper Offer for Auto Insurance?

Last Updated on October 16, 2026

By James Shaffer Reviewed by Thomas Rockford, insurance industry executive and financial analyst, on October 16, 2026 How we fact-check

Kemper offers several auto insurance discounts, but what’s available depends on your state and which Kemper underwriting company writes your policy. Kemper Auto’s own discount page names eight: Kemper Co-Pilot, advance quote, proof of prior insurance, paid in full, multi-car, defensive driving course, good student and homeowner. It puts no percentages on that list; its Co-Pilot page gives 10% off the first policy term.

If you’re comparing companies, it also helps to review whether Kemper is a good fit for your situation—especially if you’re shopping as a new customer or you’ve had gaps in coverage.

Discounts Vary by State and Program: Kemper’s advertised discounts aren’t available everywhere, and eligibility can depend on the underwriting company writing your policy.
Some Savings Don’t Show as Line Items: Factors like continuous prior insurance or marital status may affect the rate even if they aren’t labeled as a “discount.”
Timing Matters for Eligibility: Discounts tied to enrollment (telematics, advance quote, paid-in-full) are often easiest to secure when you first buy the policy.
Verify What Was Actually Applied: Ask for a discount read-back on your quote and be ready to provide proof (grades, course completion, prior coverage, vehicle features).

Table Of Contents

Kemper Auto Discounts at a Glance
Discounts That Depend on Your Household and Driving History
Student and Senior Savings to Ask About
How to Make Sure You Get Every Kemper Discount You Qualify For
FAQs on Kemper Auto Insurance Discounts
Sources

Kemper Auto Discounts at a Glance

The table below covers the eight discounts on Kemper Auto’s discount page. Kemper’s list doesn’t include a military, vehicle safety feature, paperless, e-sign or autopay discount, so ask your agent before you count on any of those. Our pages on airbags, anti-theft devices, paperless billing discounts and automatic payment options explain how those work at insurers that offer them. Your quote and declarations page are the final word on what you actually received.

Discount Type	What It Rewards	Typical Requirements	Timing / Notes
Kemper Co-Pilot	Sharing driving behavior through a mobile app	Enroll at purchase (new customers only in participating states) and register in the app	Kemper says 10% off the first policy term once you enroll, if the required drivers download and register within 6 days of the welcome text; it continues at renewal if Kemper gets at least 91 days of data each term
Advance Quote	Buying before the effective date shown on the quote	Get a quote and bind coverage ahead of the start date	Usually needs to be applied when you first purchase the policy
Proof of Prior Insurance	Maintaining continuous coverage	Show prior auto coverage (often with an ID card/dec page)	Helps avoid “newly insured” pricing; gaps can reduce eligibility
Paid-in-Full	Paying the full term premium upfront	Select a paid-in-full plan instead of monthly installments	Not available in every state/program; may reduce billing fees
Multi-Car	Insuring multiple vehicles	Two or more vehicles on one policy	Often stacks well with other discounts; learn more about multi-car discounts
Defensive Driving Course	Completing an approved driver safety course	Provide completion certificate for a qualifying course	Availability and course rules vary by state and age bracket
Good Student	Strong academic performance for full-time students	Kemper says full-time students with a 3.0 GPA or higher	See how the good student discount typically works
Homeowner	Having a homeowners policy, which Kemper doesn’t say must be with Kemper	You or someone on your policy has a homeowners policy at the same address as the auto policy	This is different from bundling; bundling still helps some drivers—see how to bundle auto and homeowners insurance

Quick tip: Ask the agent (or customer service) to read back the discounts applied to your quote line-by-line. Many discounts aren’t automatic unless you select the right program or provide proof (grades, course completion, prior insurance, etc.).

Discounts That Depend on Your Household and Driving History

Some “discounts” don’t show up as a separate line item. Instead, they’re baked into how the insurer rates your policy based on underwriting rules allowed in your state.

Marital Status (Where Allowed)

In many states, married drivers pay less than single drivers with similar profiles. Kemper may reflect this as pricing rather than a labeled discount. Learn more about whether auto insurance is cheaper if you’re married and when insurers may ask for proof of marriage.

Prior Insurance and Continuous Coverage

Kemper Auto lists a proof of prior insurance discount if you have had auto insurance before. If you’re planning to switch your car insurance company mid-policy, keep your new effective date aligned so you don’t create a lapse. A longer history of continuous coverage typically improves pricing across many insurers.

Safe Driving and Telematics

Kemper highlights its telematics program (Kemper Co-Pilot) as a way for new customers in participating states to save by sharing their driving through an app. Kemper says enrolling takes 10% off the first policy term, the discount continues at renewal if Kemper gets at least 91 days of driving data each term, and it comes off if the app is deleted before then or you opt out. Separately, a clean driving record is one of the most reliable long-term ways to lower premiums—see how the good driver discount works with many carriers.

Student and Senior Savings to Ask About

If your policy includes a student driver or an older driver, ask about discounts that are frequently available in those situations.

Away at school: If a student is away at college and only drives occasionally, you may qualify for a distant student discount.
Mature driver / safety course: Some insurers offer discounts after completing an approved course, especially for older drivers—see auto insurance discounts for seniors.

How to Make Sure You Get Every Kemper Discount You Qualify For

Bring proof upfront: prior insurance, student grades, and defensive driving completion.
Choose the right billing plan: if paid-in-full savings apply in your state, it’s typically tied to selecting that plan at purchase.
Add vehicles and drivers correctly: multi-car savings usually require all household vehicles on the same policy, and student/senior discounts often require accurate driver assignments.
Ask what’s state-specific: some discounts are only offered in certain states or through specific Kemper programs.

If you want help confirming what discounts are available in your ZIP code (and which ones are already applied), use this Kemper customer service contact number resource to reach the right department.

My advice is to bring proof of your prior insurance and any good student or course paperwork when you quote, and ask about Co-Pilot before you buy, since Kemper only offers it to new customers. Then check the declarations page to make sure every discount you were promised is on it.

FAQs on Kemper Auto Insurance Discounts

Does Kemper offer the same auto insurance discounts in every state?

No. Discount availability and eligibility rules vary by state and by the underwriting company issuing the policy. The same driver and vehicle can see different discount options depending on location and program availability.

Are Kemper discounts applied automatically, or do I have to ask?

Some discounts apply when the rating system identifies eligibility, but many require action or proof—such as selecting a paid-in-full plan, enrolling in a program, or providing documents for a course, grades, or prior insurance. It’s smart to ask which discounts are applied and which are missing.

What counts as “proof of prior insurance” for Kemper’s discount?

Typically, an insurance ID card, declarations page, or other documentation showing you had active auto coverage before the new policy starts. A lapse in coverage can reduce eligibility or increase the premium, even if you were insured for years before the gap.

Can I still get a discount if I pay monthly instead of paying in full?

You may still qualify for other discounts, but paid-in-full savings (if offered) is usually tied to choosing the one-pay billing plan. Monthly billing can include installment-related fees depending on the program and state.

Will adding a second car always lower my Kemper premium?

Not always. A multi-car discount can reduce the overall policy cost, but adding a vehicle also adds risk and coverage cost. The net result depends on the vehicles, drivers, coverages, and how each car is used.

Do vehicle safety and anti-theft features reduce Kemper rates?

Kemper Auto’s discount page doesn’t list a safety-feature or anti-theft discount, so ask your agent whether your vehicle’s equipment affects the rate. Eligibility can depend on the exact equipment and whether it’s factory-installed or meets the insurer’s requirements. Make sure the vehicle’s trim/package details are entered accurately on the quote.

If my teen is away at college, can that lower my Kemper rate?

Kemper Auto doesn’t list an away-at-school discount, so ask. If the student is away at school without regular access to the vehicle (or drives only during breaks), you may qualify for a reduced-use or “away at school” type discount. The insurer will usually require school/location details and may ask how often the vehicle is driven.

Sources

Checked October 16, 2026

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