Kemper Auto Insurance is part of Kemper Corporation, a U.S.-based company specializing in auto and life insurance, with approximately $13 billion in assets. Kemper stands out for offering policies tailored to “nonstandard” or higher-risk drivers, such as those with complex driving histories or vehicles that don’t fit typical insurance categories. Here’s how it works, what makes it unique, and whether it suits your profile.
Main Features
Kemper offers a variety of auto insurance products across the U.S., covering both personal vehicles and commercial fleets. The company has strong financial stability. Its Auto division (and the group overall) holds an A- (Excellent) rating from A.M. Best, a leading insurance rating agency. Recently, Kemper announced it will focus on its specialty auto segment, meaning more tailored benefits for nonstandard drivers.
Most of Kemper’s policies are sold through independent insurance agents, so you’ll typically need to work with a broker rather than completing the entire process online.
Key Advantages
A major advantage is Kemper’s willingness to insure high-risk drivers. For example, those with prior violations, accidents, or SR-22 requirements. The company also has an extensive agent network across multiple states, making it easier to find local support.
Its A- financial strength rating indicates a solid ability to pay claims, which helps build confidence and trust among policyholders.
Costs and Rates
While Kemper may offer competitive rates for high-risk profiles, prices for standard drivers tend to fall around the midrange. As of 2025, estimates suggested that the average annual premium for full coverage was around $2,279, though actual prices vary based on individual quotes.
Factors such as your driving record, vehicle type, location, and chosen coverage levels all influence the final cost. Kemper’s contracts are known for being flexible, which can help tailor protection to your needs.
Who It’s Best For
Kemper Auto Insurance is ideal for drivers who:
- Have a challenging driving history (accidents, violations, DUI, etc.) and struggle to get coverage elsewhere;
- Need specialized policies or coverage for nonstandard vehicles (rebuilt, modified, or requiring unique protection);
- Don’t mind working with an agent and understand that while premiums may be higher, coverage is available where others might decline.
That said, any driver can apply for Kemper insurance. There are no strict exclusions based on profile or background.
How to Get Kemper Auto Insurance
To obtain coverage through Kemper:
- Contact a licensed Kemper agent or broker in your area;
- Provide standard details such as your driving history, vehicle information, state of residence, and usage;
- The company will assess your risk, issue a quote, and, if approved, offer a policy for you to sign;
Before finalizing, review key details, coverage limits, deductibles, exclusions, rate adjustments, and claims handling. Since some customer reviews have noted challenges in the claims process.
Is Kemper Auto Insurance Worth It?
It can be worth it if you fall into the high-risk category or have trouble finding affordable coverage elsewhere. In such cases, Kemper might be one of the few insurers willing to offer you a policy.
Because Kemper focuses on specialty and nonstandard contracts, it remains a valuable option for many different profiles. However, always request a personalized quote to ensure the cost and coverage match your current financial and driving situation.
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