Kemper Auto

Available in 10+ states as of today, Kemper Auto is a nonstandard carrier making insurance easier to pursue for drivers who may otherwise struggle. They focus on providing support to their customers, both prospective and current, whether online or over the phone, and highlight that they have Spanish-speaking insurance agents available to assist as well, which is a great detail. Overall, we suggest that drivers look into Kemper Auto, particularly if you have incidents on record or need to file an SR-22, as this is where their specialty lies.

As far as price goes, Kemper Auto is slightly pricier than the average carrier might be, especially for lower-grade coverage options -- but this is because they opt to take on more risk when it comes to the customers they serve. Insurance for nonstandard drivers is not only difficult to get, but almost always expensive -- from that perspective, when compared to its direct competitors in the nonstandard arena of car insurance, Kemper is about average as far as pricing goes.

Claims handling through Kemper Auto seems to be about average, based on customer feedback. While some complain about delayed response times or slow resolutions, others had good customer service and overall positive outcomes. Claims can be filed right on their website 24 hours a day.

If your car insurance lapsed for a period of time, Kemper is one carrier likely to allow you to purchase a policy through them with ease. Definitely try getting a quote from them today if this applies to you.

If you are a driver under driver, you may find the insurance market to be difficult to navigate -- for many carriers, this is a demographic they tend to overcharge or avoid altogether. As Kemper Auto focuses on serving the underserved driver populations, however, they offer a superior experience. We recommend young drivers get a quote from Kemper, as it's likely to be very competitive.

While Kemper does sell multiple insurance products, it does not currently offer bundling with any of those. If bundling is a priority for you, we suggest looking at a different insurer.

Whether you got unlucky recently and got pulled over or you have an accident or two in your past, driving events on record can significantly affect the insurance shopping process. Kemper Auto's business model is specifically designed to help drivers who fall into this category -- that is, drivers with tickets, DUIs, bad credit, or accidents on record. They can be much easier and more affordable to work with than some of the other big names in auto insurance, plus they are quick to assist with SR-22s.

Drivers who have a clear driving record and a good credit score are not Kemper Auto's target audience, and thus may not benefit from their service. It is likely that you will find a different carrier either more affordable or better regarding coverage options.