Auto Insurance With Kemper

Whether you own or lease, Kemper has an auto policy that’s right for you. And we stand by you with claims service that's rated among the best in the industry.

Standard and Preferred Auto

Your vehicles are important to you. Ask your Kemper agent about our coverages, deductibles and limits. You can customize you standard and preferred Auto policy with the following enhancements:

Kemper Total™—protection in the event your vehicle is significantly damaged due to a covered loss

While most insurers only pay actual cash value (ACV), we may pay the amount necessary to repair the vehicle or pay you the amount necessary to buy a “new vehicle,” whichever is less. A new vehicle is one that has not been previously titled or is the latest model year available at the time
Available for brand-new leased or purchased vehicles
Auto Loan/Lease—sometimes called "Gap" insurance, this is protection in the event your vehicle is declared a “total loss”

Pays the difference between your vehicle’s actual cash value (ACV) and the outstanding amount on your loan or lease
Available for new or used vehicles that are not more than 3 model years old
Adds about 5 percent to your physical damage premium amount
Comes with your policy when you buy Kemper Total
Enhanced Coverage—combines many popular coverages at a great value

Waiver of first accident or minor violation
Diminishing deductible credit for safe driving
Waiver of deductible when parked car is damaged
Personal property protection
Trip interruption expenses
Key or entry transmitter device replacement
Savings on standard and preferred auto insurance

Immediate savings—to ensure you have the coverage you need, and to help keep your costs down, ask your Independent Agent about these discounts:

• Anti-theft Devices
• Away at School
• Driver Training
• Good Student
• Multi coverage
• Package
• Passive Restraint/Airbags

High-Risk Non-Standard Auto

Low-cost auto insurance you can trust

Looking for way to save on auto insurance? You're in luck. Kemper has low-cost auto insurance options that meet the needs of a wide variety of drivers. Whether you are an agency looking for an auto insurance company or a driver needing car insurance, Kemper has you covered. Contact a local independent agency to find out more.

Here are some of the products and services we offer:

Kemper EZPaySM Text Cancel Alerts

Text messages notify you when your policy is in danger of canceling. Stay alert – enroll and receive text message billing notifications right to your mobile device. Pay anywhere, anytime - we'll include a link to let you pay right from your phone. Login to your account here and select ‘Communication Preferences’ to enroll or contact your broker/agency to get set up today.

Roadside Assistance

Flat tire? Dead battery? Need a tow? Locked out of your car? With the purchase of Roadside Assistance from Kemper, one call puts you in touch instantly with the help you need. For just pennies a day, it’s an affordable option to get assistance with these services and more.

SR-22

Have a suspended, revoked or canceled driver’s license? Kemper offers an affordable SR-22 option to help drivers get back on the road quickly.

Reconditioned Vehicle program

We say "yes" when our competitors have to say "no" to salvage title vehicles. Nearly 2.5 million vehicles are totaled each year, and one in 15 cars on the road today have been rebuilt from the junk yard. Kemper has a program that accepts most compromised or salvaged vehicles.

Broad Form coverage

Unlike most auto policies, Broad Form Named Operator coverage (Broad Form) provides insurance on a specific driver, not the car. It’s an affordable car insurance option, because Broad Form customers pay one low price whether they own one car or more.

Discounts on non-standard Auto insurance

Kemper helps you save money with affordable car insurance options.

Kemper EZPaySM Text Cancel Alerts Text messages notify you when your policy is in danger of canceling. Stay alert – enroll and receive text message billing notifications right to your mobile device. Pay anywhere, anytime - we'll include a link to let you pay right from your phone. Login to your account here and select ‘Communication Preferences’ to enroll or contact your broker/agency to get set up today.
Paid in Full discount—Policies that have the full amount paid at the beginning of the Auto policy period receive a discount
Prior Insurance discount—Keeping an Auto insurance policy active is rewarded at Kemper. Keep your car insurance rates low with our Prior Insurance discount
Residence discount—Customers that either own their dwelling or have a Renters policy are eligible for a discount on their Auto policy
Multi-car discount—Lower car insurance rates are available for drivers who have more than one vehicle on their policy