How Do You Contact Kemper Customer Service?

Last Updated on October 19, 2026

By James Shaffer Reviewed by Thomas Rockford, insurance industry executive and financial analyst, on October 5, 2026 How we fact-check

Kemper is an insurance group headquartered in Chicago, with multiple brands and lines of coverage. The fastest way to reach the right department is to match your contact method to the brand name on your declarations page (and have your policy number ready).

Every phone number, email and address below was read on Kemper’s own support pages on October 5, 2026. Availability can vary by product, state, and whether you’re a current policyholder or filing a new claim.

One thing trips people up. Kemper now markets its personal car insurance as Kemper Auto, and no page on kemper.com uses the Infinity brand any more. But nine Infinity-named companies are still on Kemper’s list of underwriting companies, so Infinity can still be the name printed on your declarations page. If it is, Kemper services the policy at 800-782-1020, option 3. The site infinityauto.com is a separate agency marketplace, not Kemper’s service desk.

Match the Brand on Your Policy: Kemper has multiple brands, and the right phone/email depends on the name printed on your declarations page or ID card.
Use Online Tools When It’s After Hours: You can start a claim or send a message online outside phone hours, then follow up with a rep once the lines open.
Claims and Roadside Use Different Numbers: New claims have specific call-in hours, while roadside assistance is 24/7 (and the roadside number varies by policy type).
Escalate Smartly if You’re Stuck: Ask for the correct department, request written explanations for coverage/claims decisions, and contact your state insurance department if needed.

Table Of Contents

Kemper Customer Service Contact Options
Kemper Phone Numbers and Emails by Brand
Does Kemper Offer 24/7 Customer Service?
How to File a Claim With Kemper
How to Get Roadside Assistance
How to Make a Payment or Manage Your Policy Online
Mailing Address for Kemper
How to Escalate a Kemper Customer Service Issue
Does Kemper Customer Service Have Good Reviews?
FAQs on Contacting Kemper Customer Service
Sources

Kemper Customer Service Contact Options

Need Help With…	Best Way to Contact	Where to Start	What to Expect
Policy questions, billing, ID cards, changes	Phone or secure message	Kemper Contact Us (select your brand)	Hours vary by brand and state; having your policy number speeds things up.
Report a new claim (auto/home/commercial)	Online claim start or phone	Report a Claim	You can start a claim online outside phone hours. Phone reps have posted hours.
Roadside assistance (if added to your policy)	Phone	Roadside Assistance	Available 24/7, but the correct number depends on your Kemper brand/policy type.
Life insurance policy support	Phone	Kemper Life Customer Service	Support is typically handled through agents/district offices, with a central help line.
Payments and online account access	Online portal	My Policy or Customer Login	You can often pay online without creating a full account, depending on your policy type.

Quick tip: Before you call, pull up your declarations page or insurance ID card. The brand name (Kemper Auto, Infinity, Kemper Direct, etc.) determines which service team and phone number you should use.

Kemper Phone Numbers and Emails by Brand

Kemper publishes different customer service contacts depending on the brand/line of coverage. If you’re unsure which one you have, start with the Contact Us page and select the brand that matches your policy documents.

Kemper Brand / Line	Customer Service Phone	Customer Service Email	Notes
Kemper Auto	800-782-1020	customer.service@ipacc.com	Use the brand on your ID card/declarations page to route correctly.
Kemper Auto Commercial	800-722-3391	commercial.vehicle@kemper.com	Commercial auto customers should use the dedicated commercial line.
Kemper Personal Insurance	877-252-7878	customerrelations@kemper.com	Often used for personal lines serviced under Kemper Personal Insurance.
Kemper Direct	800-437-8394	service@kemperdirect.com	Kemper Direct portal availability may differ from other Kemper brands.
Infinity, a Kemper Company	800-782-1020 (Option 3)	customer.service@ipacc.com	If your documents say Infinity, use the Infinity routing option.
Kemper Specialty	Not listed	Not listed	Kemper’s Contact Us page no longer has a Kemper Specialty section. Use the number printed on your ID card or declarations page.
Kemper Life	800-777-8467	customercarePA@kemper.com	Life support is often agent-driven; the Kemper Life page has additional guidance.
Kemper Corporate (HQ)	866-860-9348	contact@kemper.com	Best for corporate/general inquiries, not always fastest for policy servicing.
Claims, any brand	800-353-6737	mail.claims@kemper.com	Same claims line for every brand. The claims fax is 888-976-2123.

Does Kemper Offer 24/7 Customer Service?

Kemper offers 24/7 help for certain urgent needs, but many customer service departments operate during posted business hours. In practice, here’s how it usually breaks down:

Roadside assistance: Available 24/7 (if you purchased roadside coverage on your policy).
Online claim reporting: Kemper’s claim page lets you start a claim online outside phone hours, then work with an adjuster during business hours. Kemper does not publish a round-the-clock promise for online intake.
Live reps for existing claim updates: Monday to Friday, 8 a.m. to 5 p.m. For policy servicing, Kemper publishes no hours at all, so they vary by brand and state.

Quick tip: If you can’t reach a live rep after hours, submit your request through the Contact Us form or start the claim online—then follow up by phone the next business day with your confirmation/claim number.

How to File a Claim With Kemper

You can file a claim online or by phone. Kemper recommends having the following details ready (this helps prevent delays and repeat calls):

Policyholder’s name
Policy number
Date/time of loss and what happened
Injuries and damage details (and photos, if available)

Start online: Use Kemper’s claim intake page at https://www.kemper.com/claims/report-a-claim.

Call to report a new claim: 800-353-6737 (800-3KEMPER). Kemper posts separate phone hours for new claims and existing claim updates, and American Access Casualty has its own line and its own hours:

Claims Support Type	Posted Phone Hours	Phone
New claims (Auto, Home, Commercial Auto)	Mon–Fri 8:00 a.m.–7:00 p.m. CT; Sat 11:00 a.m.–6:00 p.m. CT	800-353-6737
Existing claims (status updates)	Mon–Fri 8:00 a.m.–5:00 p.m.; contact your adjuster during local regular business hours	800-353-6737
New claims (American Access Casualty)	Mon–Fri 8:00 a.m.–8:00 p.m. CT; Sat 9:00 a.m.–5:00 p.m. CT	630-645-7755
Existing claims (American Access Casualty)	Mon–Fri 8:00 a.m.–4:30 p.m. CT	630-645-7755

After you file, you’ll typically receive a claim number and be assigned an adjuster. For many auto claims, Kemper may offer digital options like photo estimates and two-way texting with your adjuster, depending on the claim and state.

How to Get Roadside Assistance

If you added roadside assistance coverage to your policy, Kemper’s roadside service is available 24/7. Use the roadside number that matches your brand/policy type (and have your policy number ready):

Policy Type	Roadside Phone	Notes
Kemper Auto and Infinity	877-512-6964	This line handles 11-digit policy numbers (1000XXXXXXX or 500XXXXXXXX) and 15-digit ones.
Kemper Personal Insurance	855-849-3858	This line handles 10-digit policy numbers (1000XXXXXX). Call 24/7 if roadside is on your policy.
Kemper Specialty	Not listed	Kemper’s roadside page no longer lists a Kemper Specialty number. Use the roadside number on your ID card.

You can also find the latest roadside instructions here: https://www.kemper.com/claims/report-a-claim/roadside-assistance.

How to Make a Payment or Manage Your Policy Online

Kemper offers online tools to help you manage your policy, make payments, and access certain policy documents. Start here:

Manage your account: https://www.kemper.com/my-policy or https://signin.kemper.com/login/customer/
Make a payment: https://www.kemper.com/my-policy/make-a-payment

If you run into login or payment issues, use the Contact Us page to route your request to the correct brand team.

Mailing Address for Kemper

Mailing addresses can vary by brand and department (claims vs. general correspondence). If you’re sending time-sensitive documents, confirm the correct address on your bill, claims correspondence, or the Contact Us page.

These are the addresses on Kemper’s Contact Us page as of October 5, 2026:

Kemper Auto, Kemper Auto Commercial and Infinity: P.O. Box 830189, Birmingham, AL 35283-0189
Kemper Personal Insurance: 5555 Gate Parkway, Suite 500, Jacksonville, FL 32256
Kemper Direct: P.O. Box 3057, Scranton, PA 18505
Kemper Life: 1350 Timberlake Manor Parkway, Suite 200, Chesterfield, MO 63017
Claims, any brand: 123 Town Square Place, PMB 785, Jersey City, NJ 07310
Kemper Corporate headquarters: Kemper Corporation, 200 East Randolph Street, Suite 3300, Chicago, IL 60601

How to Escalate a Kemper Customer Service Issue

If you’re stuck (for example, you can’t get a call back, a payment won’t post, or you need a claim decision explained), these steps usually help:

Ask for the correct team: Claims, billing, underwriting, or policy services are often separate departments.
Request documentation: For claims or coverage questions, ask for the explanation in writing and keep copies of letters/emails/photos.
Escalate internally: Request a supervisor or a customer relations/escalations team through the appropriate brand contact.
External options (if needed): If you believe your claim or complaint isn’t being handled properly, you can contact your state department of insurance. Rules and timelines vary by state.
My advice is to write down the brand name off your declarations page before you dial anything. Half the Kemper calls that go wrong start at the wrong brand’s number.

Does Kemper Customer Service Have Good Reviews?

Customer service experiences can vary widely by product, state, and claim type. If you’re comparing insurers (or deciding whether to renew), use multiple sources and focus on patterns—not single reviews.

J.D. Power studies measure satisfaction across seven dimensions, by region: 2025 U.S. Auto Insurance Study and 2025 U.S. Auto Claims Satisfaction Study. Be aware that neither free press release names Kemper. They publish regional winners and the study average, so you will not find a Kemper score there.
BBB record. The Kemper Corporation profile carries an A+ rating and Kemper Corporation is a BBB Accredited Business. It showed 384 total complaints in the last three years, 109 of them closed in the last 12 months, when I read it on October 4, 2026. The BBB is not a regulator and those counts move, so treat them as a pattern check rather than a score.
Regulatory insight: Your state department of insurance may publish complaint resources or company lookups.

FAQs on Contacting Kemper Customer Service

What is Kemper’s main customer service phone number?

There isn’t one. Kemper lists a different customer service number for each brand. Kemper Auto and Infinity use 800-782-1020 (Infinity customers press option 3), Kemper Personal Insurance uses 877-252-7878, Kemper Direct uses 800-437-8394, Kemper Auto Commercial uses 800-722-3391 and Kemper Life uses 800-777-8467. Check the brand name on your declarations page first.

What does 800-3KEMPER (800-353-6737) help with?

800-3KEMPER (800-353-6737) is the claims line for every Kemper brand, for both new claims and existing ones. New claims are taken Monday to Friday from 8 a.m. to 7 p.m. CT and Saturday from 11 a.m. to 6 p.m. CT. Existing claim questions run Monday to Friday, 8 a.m. to 5 p.m. American Access Casualty policies use 630-645-7755 instead.

How do I find the correct Kemper contact info for my policy?

Check your declarations page, billing statement or ID card for the brand name: Kemper Auto, Kemper Direct, Infinity, Kemper Personal Insurance or Kemper Life. Then use Kemper’s Contact Us page to pick that brand and get its phone number, email and mailing address. If your paperwork says Infinity, you are still a Kemper customer.

Can I file a Kemper claim online any time?

You can start one online outside phone hours, which covers most of what people need at 2 a.m. Kemper doesn’t publish a 24/7 promise for online intake, though, so if your claim is urgent, call when the phone lines open: Monday to Friday from 8 a.m. to 7 p.m. CT, Saturday from 11 a.m. to 6 p.m. CT.

What information should I have before contacting Kemper?

Have your policy number and the policyholder’s name ready. For claims, you’ll also want the date/time of loss, a description of what happened, and details about injuries and damage (photos help). For billing or policy changes, having your ZIP code and a recent statement can speed up verification.

How do I get roadside assistance through Kemper?

If you bought roadside coverage, Kemper says the service runs 24/7. Kemper Auto and Infinity policies use 877-512-6964. Kemper Personal Insurance policies use 855-849-3858. Those are the only two numbers Kemper’s roadside page lists, so for any other brand use the roadside number printed on your ID card.

How do I escalate a complaint or dispute with Kemper?

Start by asking for the correct department (claims, billing, policy services) and request any decision explanations in writing. If you can’t get resolution, ask for a supervisor or customer relations/escalations through your brand’s contact line. As a last step, you can contact your state department of insurance to file a consumer complaint—rules and timelines vary by state.

Sources

Checked October 5, 2026