Is Kemper a Good Insurance Company? Reviews From Over 364 Customers

Kemper Insurance: Rated 3.7 out of 5 by customers

Category	Average Score
Overall rating	3.7
Customer service	2.7
Discounts	2.9
Claims handling	3.2
Value	3.1
Policy transparency	3.3

Our take on Kemper insurance

Kemper specializes in car insurance for high-risk drivers who struggle to secure car insurance from other insurers. Positive customer reviews for Kemper focus on agents who are easy to work with. But negative reviews say that Kemper doesn’t offer very good value for its coverage.

Kemper customer service reviews: Rated 2.7 out of 5

Kemper’s customer service has a rating of 2.7 out of 5 from Insurify customers. Positive reviews mention that if you reach the right person, it can make all the difference in having a good experience with Kemper. But negative reviews for Kemper’s customer service mainly focus on the difficulty of finding the right person to help with an issue.

You can find reviews from real Kemper customers below.

View Kemper customer service reviews

Angesmartha

Verified Purchase

So far, they’ve been good. The customer service is good, and they’re very helpful by explaining everything and going through it with you.

Reviewed in Oregon on August 10, 2026

So far, they’ve been good. The customer service is good, and they’re very helpful by explaining everything and going through it with you.

Jazmin

Verified Review

The Service is Amazing. The Customer Experience is Phenomenal.

Reviewed in Florida on June 17, 2026

The best experience I have ever had with an agent in my life.

David

Verified Review

The Best Auto Insurance

Reviewed in New York on December 4, 2025

Excellent help.

Debora

Verified Review

Tim was an excellent agent.

Reviewed in California on June 3, 2025

Tim was clear about my options with Kemper.

Christopher

Verified Review

Roadside Assistance Issue

Reviewed in Pennsylvania on April 22, 2026

Look for someone else. This company let me down. I called for roadside assistance, and I know I asked for it when I got the policy. I always do that, but they told me I didn't have it. I had to pay out of pocket, and I was upset. I wouldn't recommend them to anyone.

Kemper customer service reviews vs. State Farm and AAA

Kemper’s customer service rating of 2.7 out of 5 falls short of State Farm and AAA. State Farm has a rating of 4.3 out of 5, and AAA has a rating of 4.4 out of 5.

State Farm and AAA score similarly in terms of customer service, with customers highlighting consistent, helpful support from agents.

The chart below shows how the companies’ customer service ratings compare.

Company	Average Score
Kemper	2.7
State Farm	4.3
AAA	4.4

Kemper discounts reviews: Rated 2.9 out of 5

Insurify customers give Kemper an average rating of 2.9 out of 5 for its discounts. Positive reviews for Kemper’s discounts focus on its competitive starting prices that are a good fit for drivers on a budget. Negative reviews, however, discuss the way prices increase after discounts drop off, leaving policyholders feeling unrewarded for their loyalty.

Kemper discounts reviews vs. State Farm and AAA

With a discount availability rating of 2.9 out of 5, Kemper ranks significantly lower than State Farm and AAA. State Farm has a rating of 3.9 out of 5, and AAA has a rating of 4.3 out of 5.

AAA has the highest discount rating of the three insurers, with its customers finding meaningful savings via bundling. State Farm scores in the middle, with customers generally appreciating the discounts but also finding them limited in scope at times.

Here’s how these companies stack up for discounts.

Company	Average Score
Kemper	2.9
State Farm	3.9
AAA	4.3

Kemper claims handling reviews: Rated 3.2 out of 5

Insurify customers with Kemper give the company a rating of 3.2 out of 5 for its claims handling. Some customers have smooth and fast claims experiences with little friction. Other customers find that they have difficulty reaching claims adjusters and that there’s a lack of follow-through with Kemper’s claims handling.

View Kemper customer reviews for claims handling

H

Verified Review

Kemper Is Dreadful!

Reviewed in New York on July 23, 2026

Avoid Kemper at all costs. It took over three weeks to begin repairs after an accident. The company canceled our home and auto insurance because we were a day late on a payment several years ago while we were away on vacation. We later got a notice from the state that we were uninsured and were fined.

Tina

Verified Review

Do NOT use Kemper

Reviewed in California on February 10, 2026

Terrible, they charge extra for glass coverage. I was in an accident on 12/30 and still have not heard back from them. When you call, it goes to a call center that cannot help you or transfer your call, just to a payment portal. Of course, they want their money, but they don’t want to help you. I got the number of the person who’s supposed to be handling my claim. I’ve been calling them since probably December 31 and have never gotten a call back. The voicemail gives the number to the supervisor and says they will call you back within 24 hours, but that’s also not true because here it is February 11 and I still have not heard back from them.

Jackie

Verified Review

Do Not Recommend

Reviewed in California on September 28, 2025

Terrible experience dealing with claims. They lack direction, have poor communication, and are dismissive to their clients. They allowed me to be at fault for an accident rather than putting in the work to properly investigate. They try to justify drastic rate increases without a concise explanation.

Kemper claims handling reviews vs. State Farm and AAA

Compared to State Farm and AAA, Kemper comes in third for claims handling, according to Insurify customers, who give Kemper a 3.2 out of 5. State Farm has an average claims handling rating of 4.1 out of 5, and AAA has a rating of 4.3 out of 5.

State Farm scores similarly to AAA, with customers of State Farm generally finding the insurer’s claims process to be quick and dependable. Customers of AAA feel similarly, reporting a smooth overall claims process with responsive agents along the way.

Compare claims handling reviews from Kemper, State Farm, and AAA below.

Company	Average Score
Kemper	3.2
State Farm	4.1
AAA	4.3

Kemper value for money reviews: Rated 3.1 out of 5

Kemper’s value for money doesn’t receive high marks, coming in at 3.1 out of 5 based on reviews from Insurify customers. Some customers say that Kemper seems expensive for what you get and that difficulties with claims can make it not seem worth the price. But other reviews from longtime Kemper customers say they find the policy easy to maintain and reasonably priced.

Below, you can read real reviews from Insurify customers with Kemper.

View Kemper customer reviews for value for money

Erick

Verified Review

Much better price than anyone else. Oh yeah, and they go out of their way to help you solve any problems immediately. Great service, great price.

Reviewed in Texas on August 29, 2025

Much better price than anyone else. Oh yeah, and they go out of their way to help you solve any problems immediately. Great service, great price.

Roberta

Verified Review

I feel what I pay is a bit high, but I did want collision and that jumped up the price. I feel Kemper is a good insurance company.

Reviewed in Florida on February 14, 2026

I feel what I pay is a bit high, but I did want collision and that jumped up the price. I feel Kemper is a good insurance company.

Gavin

Verified Review

Kemper Experience

Reviewed in Florida on October 22, 2025

Great value for money. Good transparency.

Kemper value for money reviews vs. State Farm and AAA

Reviews from Kemper customers about the insurer’s value for money place it below State Farm and AAA, ranking at 3.1 out of 5. State Farm has a value rating of 3.7 out of 5, and AAA has a rating of 4.3 out of 5.

AAA has a higher value rating than State Farm and Kemper. AAA’s customers largely find value in the company’s reliable, dependable service. State Farm ranks in the middle of the three, with customers generally finding value but also noting occasional rate increases that lower how they feel about the value of their policy.

The chart below shows how the ratings for these companies compare.

Company	Average Score
Kemper	3.1
State Farm	3.7
AAA	4.3

Kemper policy transparency reviews: Rated 3.3 out of 5

Kemper gets a 3.3 out of 5 for policy transparency from Insurify customers. Some customer reviews talk about clear explanations from specific agents and say that Kemper policy choices were easy to understand when guided properly.

But a recurring theme is surprising billing amounts that don’t line up with what Kemper customers thought they agreed to, creating negative experiences. Customers sometimes describe unclear terms around renewal, payment handling, and fees.

Below, you can read through reviews of Kemper from real Insurify customers.

View Kemper customer reviews for policy transparency

Lisa

Verified Review

Good

Reviewed in Florida on October 14, 2025

Make sure you know if you’re going with a six-month or a 12-month policy.

Cinquette

Verified Review

Worst experience with insurance ever

Reviewed in Pennsylvania on October 18, 2025

They tell you it’s no money down to start coverage, then double charge you on your first due date. After I told them I’m switching coverage and not renewing at the renewal date, they put my card on auto-pay and on my renewal day withdrew money from my account, putting me in overdraft. I am now with State Farm and was able to get the withdrawal reversed.

Kemper policy transparency reviews vs. State Farm and AAA

Kemper’s policy transparency score of 3.3 out of 5 lags behind its competitors, according to reviews from Insurify customers. State Farm receives a rating of 3.9 out of 5, and AAA receives a rating of 4.2 out of 5.

AAA has the highest policy transparency rating of the three insurers. Customers of AAA often mention coverage that’s understandable from the start as well as straightforward support from agents. State Farm scores in the middle, with customers sometimes reporting receiving unclear explanations to their questions and concerns.

To see how the companies’ policy transparency compares, look at the chart below.

Company	Average Score
Kemper	3.3
State Farm	3.9
AAA	4.2

Kemper customer reviews: Read what over 364 Insurify customers have to say about Kemper

The reviews below show what more than 364 Insurify customers have said about Kemper in the past 12 months.

Kemper vs. State Farm, AAA, and Allstate

Overall, Kemper typically trails competitors such as State Farm and AAA in most categories. That said, comparing multiple companies is the easiest way to find the best company for you.

Here’s how Kemper stacks up against its top competitors, like State Farm, AAA, and Allstate.

Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare
Average price N/A	Average price $78/mo*	Average price $194/mo*	Average price $125/mo*	Average price N/A
Overall rating	Overall rating	Overall rating	Overall rating	Overall rating
Value for money 3.1/5	Value for money 3.7/5	Value for money 4.3/5	Value for money 3.2/5	Value for money 3.5/5
Customer service 2.7/5	Customer service 4.3/5	Customer service 4.4/5	Customer service 3.9/5	Customer service 4.0/5
Claims handling 3.2/5	Claims handling 4.1/5	Claims handling 4.3/5	Claims handling 3.8/5	Claims handling 4.2/5
Special highlight AI-generated from 364 user reviews Hard-to-insure drivers	Special highlight AI-generated from 20966 user reviews Customer service	Special highlight AI-generated from 2366 user reviews AAA members	Special highlight AI-generated from 12188 user reviews Accident forgiveness	Special highlight AI-generated from 1027 user reviews Usage-based savings

Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers