Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate drivers about...

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Reviewed by Laura Walker
Licensed Agent for 10 Years

UPDATED: Jun 11, 2019

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Kemper Independent Insurance is a subsidiary of a large corporation called Unitrin. Unitrin is based in Chicago, Illinois, and has a vast array of companies that handle insurance and financial services. The company’s total revenue is about $3 billion yearly, and it employs over 8,400 people.

The Kemper division of Unitrin handles auto insurance, as well as homeowners insurance and personal property protection. The actual line of insurance companies that became Kemper date from 1926 through the Lumberman’s Mutual Casualty Insurance Company.

Through various acquisitions, Unitrin became the parent company; the company name had already been changed to Kemper Independent.

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About Kemper Auto Insurance

Kemper specializes in broad-spectrum coverage to minimize “gaps”—areas which are uncovered by various policies. Kemper advertises a special “Package Plus” in which customers can choose to carry automobile, homeowners, collectibles, watercraft, and even identify theft insurance under one policy, with one premium.

The policy can be tailored to individual needs for coverage. This helps to lower premiums by “bundling” the policies.

Kemper advertises competitive auto insurance rates on their website and has a portal for customers to manage their accounts through the internet.

Kemper Insurance is sold through a network of independent agents, giving customers the opportunity to speak with a knowledgeable representative when they buy a policy and any time they have a question about their policy’s administration.

Kemper also has a 24-hour toll-free claims line that allows customers to speak directly to a company representative if necessary.

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Kemper Auto Insurance Discounts

Kemper offers several auto insurance discounts. Customers can lower premiums by having airbags, anti-lock brakes, and anti-theft devices on their vehicles. Even some after-market installations of these items may qualify you for a discount.

Customers can also save money if they have a student away at college. Kemper offers substantially lower rates for college students through their parents’ policies than they could obtain on their own.

Kemper also offers discounts for taking driver’s education courses, as well, which can lower the high cost of car insurance for young drivers.

You can also qualify for a Kemper discount if you have multiple cars on the same policy, or if you bundle your insurance policies into a single payment.

Kemper also provides GAP coverage insurance for loaned or leased vehicles. When a vehicle is sold on installments or leased to a customer, there is often a “gap” between the depreciating book value of the vehicle and what is actually owed on the car.

If the car is less than 3 years old, Kemper will allow you to attach an additional rider to your policy specifying the amount that will be paid for the car if it is totaled—usually the payoff of the loan or lease.

Kemper Auto Insurance Reviews and Ratings

Kemper Insurance enjoys modestly high customer satisfaction ratings overall.

As compiled by J.D. Power and Associates, an independent reporting firm, Kemper scored three out of five stars in overall customer satisfaction, translating to “about average.” Kemper gained three stars in the categories of “Pricing,” “Billing and Payment,” and “Contacting the Insurer,” with two stars in “Policy Offerings.”

On the J.D. Power Customer Satisfaction Index, a 1000-point scale which compares automobile insurance companies “side-by-side,” Kemper scored 771, placing it 18th out of the 33 companies ranked.

There could be several reasons for Kemper’s rather mediocre showing in the ratings. The company is competing against both very large and very small companies, and while its parent company is large, Kemper itself is not as big.

It was well-documented that Kemper answered claims quickly and efficiently during the Hurricane Katrina disaster. Customer service for Kemper has the reputation of being efficient.

The score, then, may reflect the fact that Kemper leans toward “bundled” policies. By definition, in order to give large discounts on bundled coverage, companies must make them fairly standard. If you are the type of customer who likes to pick and choose your coverage, Kemper may seem a bit inflexible.

As people look for more and more ways to cut costs and save on insurance premiums, the fact that you must take an “all or nothing” approach to some of Kemper’s policies may not make for good customer relationships.

For example, a customer may not be happy about paying for roadside assistance as part of a bundled automobile insurance policy when he or she already pays for this service through, AAA, AARP, or some other group membership.

Also, there may be less flexibility with a bundled package about raising your deductibles to save on premiums; you may be required to raise all of your deductibles the same amount, or you may not be able to raise them at all.

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