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Kemper Car Insurance Review

19 Customer Comments & Reviews - see all comments
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Kemper is a large multi-line insurance company based in Chicago. It offers agent-based motor vehicle insurance in 28 states. Rights to renewal of the original Kemper company were acquired in 2002 by Unitrin, which subsequently changed its name to Kemper.

How is Kemper rated?

Breakdown

3.5/5
Coverage
3.0/5
Financial Strength
0.0/5
Supplemental Coverage
4.5/5
Pricing & Discounts
3.8/5
Claims Satisfaction & Customer Experience
0.0/5
Automation

Overall Rating: 3.7 / 5 (Very good)

Although Kemper is a large and well-established Chicago insurance company, its motor vehicle insurance business is just one part of its operations. Its financial picture is not as encouraging as that of most of its competitors and the claims experience of its customers is below average. It does offer some high-risk policies that other carriers do not. Drivers who fall into this category might look to Kemper as an acceptable choice for insurance coverage.

Kemper Coverage

Basic Coverage

  • Bodily Injury Liability
  • Property Damage Liability
  • Collision
  • Comprehensive
  • Personal Injury

Additional Coverage

  • Rental Reimbursement
  • Towing & Labor Cost
  • Vet Bills

Coverage - 3.5 / 5

Kemper offers all of the standard and required auto insurance coverages. It also offers some unusual optional coverages for vet bills, car seats, child- and elder-care, and trip interruption.

Customer Experience

National Association of Insurance Commissioners

NAIC Complaint Ratio
0.83
NAIC Total Complaints 2020
14

Customer Ratings

BBB Rating
A+
Number of BBB Positive Reviews
3
Number of BBB Neutral Reviews
0
Number of BBB Negative Reviews
10
Date Collected
2017-10-11
*The NAIC Car Insurance complaint ratio (in this case 0.83) compares a company’s performance to other companies in the market. The median complaint ratio across all car insurance companies is 1. A score below 1 means the company received fewer than the expected number of complaints. A score above 1 means the company received a more than the expected number of complaints.

Claims Satisfaction & Customer Experience - 3.8 / 5

Although Kemper enjoys an A+ BBB rating, there are very few reviews of or complaints about the organization on the BBB website. The company is not listed on TrustPilot. What's more, Kemper does have a better than average NAIC complaint ratio, but because the motor vehicle insurance division of Kemper is so small, these numbers may not accurately truly represent customer satisfaction.

Financial Strength

Key Details

Underwriter
Kemper
Premiums Written 2020
$0
Marketshare
0.08%
AM Best Financial Rating
bbb-
Moody's Financial Rating
Baa3
Standard & Poor's Financial Rating
BBB-

Financial Strength - 3 / 5

Kemper is one of the few auto insurers we review that has less-than-excellent ratings from all three of the largest financial analysis firms. These comparatively low ratings might give consumers reason to think carefully before purchasing a policy. The risk is not primarily that the company might go bankrupt, but that financial pressures will trickle down to the claims-adjuster level and result in the denial or low-balling of accident claims. Although the company can plausibly claim to have been founded almost 100 years ago, in actuality the company founded then ran into financial difficulty and was sold to another company, Unitrin, which subsequently changed its name to Kemper. Thus while in most cases 98 years of operation would suggest financial strength and prudent management, this is not the case with Kemper.
*The above information reflects the financial strength of the underwriter of the Kemper car insurance policies: Kemper.

Pricing & Discounts

Discounts

  • Multiple Vehicle
  • Anti-Theft
  • Senior
  • Bundled Policy

Additional Discounts

  • Newly Married
  • Full/Automatic Payment

Pricing & Discounts - 4.5 / 5

In addition to many of the usual discounts, Kemper offers a discount on policies written on referral from existing customer. Both the old and new customer receive a 10% discount under the plan. The company also offers a discount for paperless billing.

Contact & Additional Information

Homepage URL
Company Phone
(866) 860-9348
Headquarters Address
One East Wacker Drive, Chicago, IL, 60601
Year Founded
1919

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19 Customer Comments & Reviews

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D
Darryl C
6/29/2020
I have a claim with Kemper because of and accident that was the fault of their insured. As I was dealing with them to resolve it, I requested the claims adjuster's supervisor contact information. I was given the information of an employee that no longer worked in claims. I am still working to resolve in a reasonable way my claim.


J
Jim
5/14/2020
They can't add. At present with the COVID-19, I made a double monthly payment to buy me some time to make some money to pay for my 6 month policy. Kemper took my Double monthly payment and billed me the next month. Quite obviously they are Not rocket scientists!


J
Jill
4/3/2020
An awful company! My son had hail damage on the roof of his FJ. The vehicle is very tall and he didn’t notice it for 6 months. When he reported it he was told they had to investigate the claim. The investigator, Sandra Nelson, called and left messages and text messages for me. I gave my son her name and number and he called her repeatedly. Her mailbox was full and wouldn’t accept any messages. The last time she texted me I gave her my son’s number and told her to call him directly. She never did. When my son finally reached her 3 weeks later she said he had never called her. After yelling at him my son hung up. She then called me and screamed at me! She refused to give me her manager’s... Read More


jackclough75
2/28/2020
Amazing that an adjuster (the person who is able to help) doesn't have a voice mail box. The most simple tool for conducting business. The floor manager "George" who lives in India will happily ignore your conversation and then direct your call to the person with no VMB. The claim adjuster Amanda will not call you back for 3 weeks, because she doesn't know who is calling. When you call her boss, "Christian," you will wait as well. There is no person who wants to help. They are just trying to get their paychecks and go home. It shows.


allpaths2recovery
1/14/2020
Kemper Auto insurance will only give you the run around. Do not expect them to pay. No insurance would be better than this.


Malik S
1/14/2020
Stay far away from Kemper if you can. They have the worst customer service for any insurance I have ever dealt with. They will jack up your rate for any claim even if your not at fault. they are slow at returning phone calls. They will accept any claim against you and increase your rate even if you have every supporting document (Police reports etc) to show that your not at fault. they may be a little cheaper then other insurance companies but you will pay more in the long run. I wish I would have never opened a policy with them. Be warned.


M
Milene L
12/17/2019
Horrible customer service. I've been trying to get a hold of my adjuster for days now, and I just learned that he is deliberated ignoring my calls. I called the claims phone and tried to get his email so I could try to communicate with the adjuster through email, the customer service guy literally said he could not give to me and hung on my face. stay away! I filing a BBB report against them right now.


jojeda1994
12/2/2019
They need to work on their customer service. I was hit by one of their insured drivers. Just to get a hold of them is a hassle. They send you to voicemails. After finally getting one of them on the phone asking for a rental because I needed to work, the guy said just get the rental and send me the bill we'll cut you the check. I tried asking about the injury claim and was told the same and that they'll determine if they will pay the bill or not and auto repairs and he was really rude saying "you claimed you were going through your insurance, your insurance is Mercury, this isn't Mercury so deal with them." While yes, I am going through my insurance only because Kemper was taking days to... Read More


P
Purpscarrasco1014
10/15/2019
I called customer service because I had a issue with my payment . Apparently they charged me two times with in minutes away from each other I logged in and the session apparently ended I then checked my bank account and I wasn’t charged so I went back into the website and payed my payment only to find out I was double charged but I only received one confirmation number . I called to let them know and they are horrible the First Lady said it was 4 mins apart . First of all I was letting you guys know they double charged me . Point being I only got a confirmation for one payment . The second guy didn’t even apologize for anything . This insurance has horrible customer service reps that... Read More


shallinenielsen
10/1/2019
I sold a car to a wrecking yard. Notified my agent of the sale. Took forever to jump through all the hoops with Kemper to prove that this had occurred. In the meantime, they sent my final bill to a collection agency. I knew I would owe something and would have been happy to pay. I had always paid in the past on time. Never received a bill. Very poor service. Unethical. Hope they go out of business.



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