The Kemper family of companies is strong and stable, here for the long haul. We specialize in personal auto insurance for drivers who’ve faced coverage challenges, and we’re committed to making that easier. With flexible policies and coverage options ranging from basic to extensive, we offer choices that help fit your life and budget.
Featured Discounts and Savings
Prior Coverage Discount
Get a discount if you can show us you had auto coverage before (like with your old insurance card). It can be with any insurance company!
Advanced Purchase Discount
Save just by planning ahead. Get a discount when you buy a policy that starts after the date you purchase it.
Homeowner Discount
If you or someone on your policy has homeowners insurance at the same address as your auto policy, you may qualify for a discount.
Kemper Auto Coverage Options and Endorsements
Liability
A basic form of car insurance that helps cover costs if you’re at fault in an accident. It includes property damage and bodily injury.
Roadside Assistance
24/7 towing, jump-start, fuel delivery, lockout, and tire change services to assist customers when their vehicle is unable to reach a repair shop or get back on the road.
Uninsured/Underinsured motorist coverage
Helps protect you if you’re hit by an at-fault driver who doesn’t have insurance or does not have enough insurance to cover all costs associated with the accident.
Collision coverage
Helps to pay for damage if your vehicle hits another vehicle, a stationary object or rolls over.
Comprehensive Coverage
Helps cover vehicle damage from theft, vandalism, fire, hail, etc.
Personal Injury Protection (PIP)
Known as “no-fault insurance,” PIP is for reasonable and necessary medical expenses, lost wages, and other damages from an accident, regardless of who is at fault.
Rental car reimbursement
An optional add-on that helps pay for a car rental while the insured’s vehicle is being repaired.
FAQs
When people talk about “full coverage,” they usually mean a policy that combines liability, collision, and comprehensive coverage. Kemper offers all these coverages and more! That said, people have different financial situations, so one person’s idea of “full coverage” will be different from another’s. Talk to your agent to make sure your policy covers what matters most to you.
At a minimum, drivers are legally required to carry certain types of coverage, like liability insurance. Other requirements may vary by state. The “right amount” of coverage depends on personal factors like driving habits and risks. The best way to figure out what coverage is needed is to talk to a Kemper Auto insurance agent. They can help determine what’s required and can assist you in determining what additional coverage makes sense for your needs and budget.
Yes, Kemper Auto has options available, even if you only have a non-standard ID like matrícula consular, foreign and international license or passport. Acceptable IDs vary by state. Contact an agent to learn more.
Kemper Auto offers affordable SR-22 certificate options for suspended, revoked, or canceled driver’s licenses.
Siempre contigo®
We’re always with you
This material is for general informational purposes only. Products, services, and discounts referenced herein are not available in all states or in all underwriting companies. All statements are subject to the terms, exclusions and conditions of the applicable policy. In all instances, current policy contract language prevails. Coverage is subject to individual policyholders meeting our underwriting qualifications and state availability. Other terms, conditions and exclusions may apply.