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Kemper Car Insurance Review


Rating: 7.7 / 10 (Very good)
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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

7/10
Coverage & Benefits
9/10
Pricing and Discounts
6/10
Financial Strength
8/10
Customer Experience

Overall Rating: 7.7 / 10 (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 & Benefits - 7 / 10

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

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

Customer Experience - 7.5 / 10

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. It gets two out of five stars from JD Power in its Auto Claims Satisfaction Study. The company 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.

J.D. Power 2016 Auto Insurance Study

JD Power Overall Satisfaction Score
2 out of 5 (The Rest)
First Notice of Loss
2 out of 5 (The Rest)
Service Interaction
2 out of 5 (The Rest)
Appraisal
2 out of 5 (The Rest)
Repair Process
2 out of 5 (The Rest)
Rental Car Experience
4 out of 5 (Better Than Most)
Settlement
2 out of 5 (The Rest)

National Association of Insurance Commissioners

NAICS Complaint Ratio 2016
0.83
NAICS Total Complaints 2016
14
*The NAICS Car Insurance complaint ratio (in this case 0.83) is a ratio of the number of complaints a company received to the its total premiums written in a calendar year. The median complaint ratio across all Car Insurance companies is 1. A score below 1 means the company received fewer than average complaints. A score above 1 means the company received a higher number of complaints than average.

Financial Strength

Key Details

Underwriter
Kemper
Premiums Written 2016
$0
Marketshare 2016
0.08%
AM Best Financial Rating
bbb-
Moody's Financial Rating
Baa3
Standard & Poor's Financial Rating
BBB-

Financial Strength - 6 / 10

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. Indeed, the company gets only two stars out of five in JD Power's U.S. Auto Claims Satisfaction Study. 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 and Discounts - 9 / 10

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
Mailing Address
One East Wacker Drive, Chicago, IL, 60601
Year Founded
1919

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