Auto Insurance

Whether you own or lease, Kemper Preferred’s insurance professionals have 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.


Your coverage options

When you use our Personally Yours® option, you can customize your Auto policy with these 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
  • Standard rental reimbursement is doubled (in states where available)
  • Auto Loan/Lease is included


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


Parked Auto—protection for your vehicle when it's legally parked

  • With Parked Auto, if your vehicle is legally parked and unoccupied when it’s damaged as a result of a crash, we’ll waive your Collision deductible on a covered loss



Immediate savings—to help keep your costs down, ask your Independent Agent about these discounts:

  • Anti-lock Brakes
  • Anti-theft Devices
  • Away at School
  • Driver Training
  • Good Student
  • Sr. Operator Defensive Driving Course
  • Multi-car
  • Package Plus
  • Passive Restraint/Airbags

Savings down the road—and, once you become a Kemper Preferred customer, after a qualifying period, we will not increase your rates for your first accident or conviction for a minor moving violation (stop sign violation, improper lane change, etc.). This Accident Forgiveness loyalty benefit can help to keep your rates down.  

What else do I need to know?

Kemper Preferred can help you with your Auto insurance needs.  Talk to your Independent Agent today.  If you don’t have an agent, find one now.   



All statements are subject to the terms, exclusions and conditions of the applicable policy. In all instances current policy contract language prevails. Products, services and discounts referenced herein are not available in all states or in all underwriting companies. Coverage is subject to individual policyholders meeting our underwriting qualifications and state availability. Other terms, conditions and exclusions may apply.

Find an Agency

For personal and commercial auto, home or valuables insurance, find an agency by entering a zip code or address below.

For non-standard auto insurance in California, click here.