About Kemper

Kemper Auto Coverage

Affordable Protection in an Ever-Changing World


Kemper Auto specializes in personal auto insurance options for anyone who may have had difficulty obtaining or maintaining insurance coverage in the past. We offer flexible policies and comprehensive coverage options that range from basic to robust, allowing you to choose the coverage that meets your needs and your budget.

Kemper Auto specializes in personal auto insurance options for anyone who may have had

difficulty obtaining or maintaining insurance coverage in the past. We offer flexible policies and comprehensive coverage options that range from basic to robust, allowing you to choose the coverage that meets your needs and your budget. Kemper Auto offers a variety of standard coverage options, including:

Annual Policies - The ability to lock in low rates for an entire year, to help you save money longer.

Roadside Assistance - 24/7 towing, jump-start, fuel delivery, lockout, and tire change

services to assist customers when their vehicle is disabled get to a repair shop or back on the road.

Kemper Auto Frequently Asked Questions Is it possible to get coverage without a driver's license? Kemper Auto has policy options available even for those who only have State IDs, Matricula

Consular, or International Licenses. Can I get coverage if I have a suspended driver's license? Kemper Auto offers affordable SR-22 coverage for suspended, revoked, or canceled driver’s licenses. Will Kemper Auto cover a reconditioned vehicle? Yes, and some policyholders may be able to get liability and full coverage on their reconditioned vehicle. What discounts are available? Kemper Personal Insurance offers several discounts and saving opportunities to help keep your costs down, including:


  • Defensive Driver – When you complete a qualified driver training or defensive driving course.

  • Military – For active and retired members of the military, and Junior and Senior Cadets at a military academy.

  • Anti-Theft – If your car has an active or passive device that disables the car.

  • Good Student – When your young driver ranks scholastically high in school

Kemper Prime Auto Enhanced* – 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 the insured car is damaged when parked

  • Personal property protection

  • Trip interruption expenses

  • Key or entry transmitter device replacement


Kemper Total™ - Ideal for new cars. While most insurers only pay actual cash value, we can pay the amount necessary to repair the vehicle or buy a new one.

Auto Loan/Lease - Sometimes called "gap" insurance, this can pay the difference between your vehicle’s actual cash value and the outstanding amount on your loan or lease.