Is Kemper Good for Car Insurance?

Last Updated on January 6, 2026

If you’re shopping for auto insurance, you’ve probably noticed one frustrating truth: the “best” company depends on your driving history, your state, and how you want to buy coverage. Kemper is a national insurance group that sells personal auto insurance through multiple brands and channels, and it often appeals to drivers who want flexible underwriting, agent support, and practical discounts.

So, is Kemper good for car insurance? It can be—especially if you’ve had a lapse in coverage, tickets, or need SR-22 filing. But availability, pricing, and the overall customer experience can vary a lot by state and by the specific Kemper company that issues your policy. The safest move is to compare quotes and confirm what’s offered where you live.

Kemper Auto Insurance Review: The Short Version

Kemper is often worth a quote if you want coverage options that range from minimum-required insurance to more robust protection, and you don’t mind that the experience may be more “agent + call center” than “app-first.” It’s also a common option for drivers who may have trouble qualifying with some standard insurers.

• Best for: drivers with coverage challenges (tickets, lapses, SR-22 needs), families trying to lower teen-driver costs, and shoppers who prefer working with an agent.
• May not be best for: drivers with spotless records who want the absolute lowest price, people who want a top-tier mobile app experience, or anyone who needs niche add-ons (varies heavily by state).

How Kemper Car Insurance Works

Kemper’s auto insurance is commonly sold in two ways:

• Through an agent: If you like guidance (or you have a complicated situation), an agent can help you compare coverage options and pricing. Sometimes, buying through an agent can even be cheaper than going direct, depending on the insurer and your profile.
• Online in select states: Kemper also offers online quoting in certain locations. If your state isn’t listed, you may need to use an agent—or Kemper may not currently be writing new policies where you live.

This is why Kemper can feel “great” in one state and “hard to buy” in another. Before you spend time shopping, confirm availability for your ZIP code and ask whether the policy is written by Kemper, Infinity (a Kemper company), or another affiliated underwriting company.

Who Kemper Is Usually a Good Fit For

Kemper is often most competitive for drivers who don’t fit the tightest “preferred” underwriting boxes. If you have a poor driving record, a lapse in coverage, or you need to rebuild your insurance history, Kemper may be easier to qualify with than some big-name carriers.

It can also be a useful stepping stone: once your record improves and you maintain continuous coverage, you may be able to move from high-risk to standard car insurance and lower your costs over time.

And if you’re looking for something highly specialized—like coverage for a classic or collector vehicle—you’ll want to confirm that Kemper actually offers the right endorsements in your state (many drivers end up needing a specialty insurer for this).

Coverage Options You Can Typically Get From Kemper

Like most insurers, Kemper generally offers the building blocks of an auto policy. What’s available depends on your state, vehicle, and underwriting company, but you’ll usually see:

• Liability coverage (required in most states) — if you’re shopping strictly for minimum coverage, confirm your limits match state requirements and your personal risk tolerance.
• Collision + comprehensive — what most people mean when they say “full coverage,” though full coverage and comprehensive coverage aren’t the same thing.
• Uninsured/underinsured motorist coverage (important in many states).
• PIP or MedPay (varies by state).
• Roadside assistance and rental reimbursement (optional add-ons).

If you’re financing or leasing, your lender will usually require collision and comprehensive. If you want protections like gap insurance or new car replacement coverage, ask specifically whether they’re offered in your state and what rules apply.

Kemper is also known for helping drivers who need state filings. If you’re required to carry an SR-22, ask an agent whether Kemper can file it in your state and what the total cost looks like (policy premium + filing fees).

Kemper Discounts to Ask About

Discounts vary by state and underwriting company, but Kemper lists a number of common savings opportunities on its site, including paid-in-full, multi-car, and more. You can also see our breakdown of Kemper auto insurance discounts and what typically qualifies.

Here are some of the more common discounts people ask about:

• Advance/advanced purchase discount (buying ahead of your effective date)
• Prior insurance discount (proof of continuous coverage)
• Paid-in-full discount (often paired with the question of paying car insurance in full vs. monthly)
• Multi-car discount (learn how these work in our guide to multi-car discounts)
• Defensive driving discount (often available after an approved defensive driving course)
• Good student + teen driver savings (especially relevant if you’re looking for cheaper car insurance for teens)
• Military discount for eligible drivers (see active duty military auto insurance discounts)

For the full list, Kemper’s official discount page is here: Kemper discounts and savings.

Kemper Co-Pilot: A Telematics Discount (Usage-Based Insurance)

Kemper also offers a telematics program called Co-Pilot in select states. In short, you enroll, let the program collect driving data through your phone, and you may receive an automatic discount for participating (terms vary by state and policy).

If you’re considering it, read the rules carefully before you opt in—especially things like minimum driving-data requirements each policy term and whether the discount applies only to new customers. You can review Kemper’s Co-Pilot overview here: Kemper Co-Pilot program.

Claims and Customer Experience

Like most insurers, your day-to-day experience with Kemper depends on your local agent (if you use one), your state, and how your policy is serviced. A smart way to judge fit is to test the customer portal and confirm exactly how claims are handled for your policy type.

If you ever need to file a claim, Kemper provides an online starting point and phone support. Here’s the official “report a claim” page: Report a claim with Kemper.

Claim timelines vary widely based on fault disputes, injuries, repair delays, and state rules. If your claim is dragging on, this guide explains what’s normal and what’s not: How long can an auto insurance claim stay open?

Pros and Cons of Kemper Car Insurance

Pros

• Often easier to qualify than some “preferred-only” insurers if you’ve had insurance challenges.
• SR-22 availability in many situations (state-dependent).
• Many common discounts, including multi-car, paid-in-full, prior coverage, and more.
• Agent option for drivers who want more hands-on help.

Cons

• Availability and pricing vary a lot by state and underwriting company.
• Not always the cheapest for drivers with perfect records—always comparison shop.
• Digital experience can be mixed compared to the biggest “app-first” carriers.
• Service consistency depends on the channel (agent vs. direct) and local support.

FAQs on Kemper Car Insurance

Is Kemper Worth It?

Kemper is usually worth considering if you want a real insurer option when your driving record, prior coverage history, or SR-22 requirement limits your choices. It can also be a decent fit for households trying to manage teen-driver costs and stack discounts.

That said, don’t assume Kemper is your best deal without comparing. The cheapest option depends on your ZIP code, vehicle, coverage limits, and driving history—and the gap between companies can be huge. If you’re trying to minimize costs, start here: What is the cheapest car insurance you can get?

Kemper Contact Information

Need help with a policy question or want the most direct contact path for your situation? Use our quick guide to contact Kemper for the right phone numbers and support options.

Corporate address: Kemper Corporation, 200 East Randolph Street, Suite 3300, Chicago, IL 60601
Claims phone: 800-353-6737
Customer service phone: 800-782-1020
Online contact page: Kemper contact options