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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.
 
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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
http://www.kemper.com
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
Deb
7/19/2019
I was involved in an accident where a driver abandon their car after they hit another car and left it in the line of traffic on a rainy day. I might add that their car was driveable but they left it. I came down over a bridge going approx 25-30 MPH (5 o'clock traffic) and with no place to go hit them. It took six months for Kemper to resolve this without ever contacting me of their findings. The only conversation that the adjuster had with me is that the other party had hired an attorney in the event that I received any documentation; of which I didn't. It is time to renew my policy and I reach out to other insurance companies for a competitive rate only to find out that I have this... Read More

mariallivicura
6/28/2019
I have had no updates or assistance after being rear ended about a month ago. First car accident, cant seem to do their job and back up their insurers or get the job done when witnesses have been provided. Currently locked out of my car, it took 3 separate phone calls to actually confirm that someone was being dispatched to me after the first was cancelled (as that road side assistance provider didn't do lockouts) and no one made me aware. They will tell you your car is covered for up to $75 for roadside assistance but will make your life a living hell and provide you no information on what isn't covered, what the cost would be or a supervisor's full name in case you need assistance.... Read More

B
Bhavani
6/21/2019
Got rear ended by some one stoned at 9:30am and kemper my insurance company made my life a living hell for me to have the medical care I needed. I was paralyzed on my left side and could not left my left arm and they still sent me to their IME's who deemed me good to go back to work. I would not recommend you choose this company to have your back when you need them. I don't even have a bad driving history not sure why my agent chose this terrible insurance company.

J
Juan L
6/17/2019
The customer service is one of the worst!!! every time I need there services it can take up to half an hour to answer, and most of the time I just give up waiting. Will never buy insurance from this plays. TERRIBLE SERVICE!

Bikash M
6/11/2019
Horrible insurance, if i can give negative review.... worst ever experience being kemper customer.

C
CHUSIE916
4/29/2019
HORRIBLE INSURANCE COMPANY!! HORRIBLE WHEN IT COMES TO A CLAIM! I GOT INTO A CAR ACCIDENT THAT WASNT NY FAULT.. BEEN PAYING FOR FULL COVERAGE INSURANCE, COME TO FIND OUT I DO LONGER HAVE IT. AND NO ONE WILL CALL ME BACK REGARDING MY CLAIM EVEN THO IT WAS NOT MY FAULT!!!! PLEASE STAY AWAY FROM THIS COMPANY!!!! THE CLAIM REPS HAVE NO IDEA WHAT THEY ARE DOING. BUT ARE GOOD AT TAKING YOUR MONEY!

B
bgladishvasc
3/14/2019
the worst insurance company, ill never use them again , poor claims service mike tibi is a liar,

R
Rebecca Y
2/6/2019
I had to make a claim 2 weeks ago.I have yet to have someone contact me. I've currently been trying to get ahold of someone and keep getting put on hold for over thirty min to which I hang up. I work full time and do not have time to wait all day. I'm not sure what the outcome of this will be, but this is a bit ridiculous!

F
Former c
10/8/2018
Horrible! Great at taking your money but horrible with a claim! Even the repair shop said they don't know what they are doing. Going back to Progressives! The discount is not worth the trouble.

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