Does Kemper insurance still exist?

Editorial team Published on

✅ Yes, Kemper Insurance Still Exists

Kemper Corporation (NYSE: KMPR) is an active, publicly traded insurance provider headquartered in Chicago, Illinois.

📊 Company Overview

  • Status: Active operating corporation managing billions in assets and millions of policies nationwide.
  • Core Offerings: Personal auto, commercial auto, and life insurance products.
  • Key Brands: Operates through major subsidiaries including Kemper Auto, Kemper Life, and Infinity (a Kemper company).

What are the top 5 worst homeowners insurance companies?

Based on recent industry surveys like J.D. Power's property and satisfaction studies, the lowest-ranking homeowners insurance companies for customer satisfaction and claims include Universal Direct, Tower Hill Insurance, National General, Homesite, and Foremost.

Lowest-Ranking Home Insurers

  • Universal Direct: Ranks at the very bottom of major customer satisfaction and claims surveys due to slow response times and service issues.
  • Tower Hill Insurance: Frequently scores near the bottom for overall customer experience and policyholder satisfaction.
  • National General: Scores poorly on consumer satisfaction metrics regarding communication and payout handling.
  • Homesite: Routinely lands at the bottom of J.D. Power claims satisfaction rankings for property coverage.
  • Foremost: Receives below-average customer satisfaction scores for handling claims and policy value.

Is Kemper a good insurance company?

Kemper is a legitimate, financially stable insurance provider that can be a good option for high-risk drivers, but it generally receives poor customer service and claims satisfaction reviews.

The Pros of Kemper

  • Financial Stability: Kemper holds an A- (Excellent) financial strength rating from AM Best, meaning it has the strong fiscal backing required to pay out valid claims.
  • High-Risk and Specialty Coverage: The company specializes in non-standard auto insurance, making it a viable option for drivers with poor driving records, accidents, DUIs, or those who need an SR-22 form.
  • Unique Perks: Policies can include helpful add-ons like pet injury protection, car seat replacement, and roadside assistance.

The Cons of Kemper

  • Poor Customer Satisfaction: Kemper consistently ranks below average in customer satisfaction studies (such as J.D. Power) and carries a higher-than-average volume of complaints relative to its size with state regulators.
  • Mixed Claims Experience: While basic claims can go smoothly, many customer reviews on platforms like WalletHub and Insurify highlight frustrating communication delays and difficulties reaching adjusters during complex claims.
  • Limited Digital Tools: Their online and mobile app capabilities are more outdated compared to major national competitors.

What is the lawsuit against Kemper insurance?

Kemper Corporation has faced multiple legal actions and regulatory penalties over the years, most notably a $17.6 million class-action data breach settlement and various state regulatory fines.

Because "lawsuit against Kemper Insurance" can refer to a few different major legal matters, here are the most significant ones:

1. The $17.6M Data Breach Class Action

  • Case: Carrera Aguallo et al. v. Kemper Corp. et al. (U.S. District Court for the Northern District of Illinois)
  • Details: Plaintiffs sued Kemper and its subsidiary, Infinity Insurance Co., following major data incidents and scraping exposures in late 2020 and early 2021.
  • Allegations: The company failed to properly secure and protect sensitive personal data, including Social Security numbers and driver’s license numbers.
  • Resolution: A final $17.6 million settlement was approved, providing affected customers with fraud protection services, reimbursement for lost time, and cash relief for specific subclasses.
  • New Investigations: Additional investigations into newer potential data security incidents involving Kemper's systems have also been initiated by privacy law firms.

2. State Regulatory Penalties and Settlements

  • California Claims Settlement ($1.1 Million): A subsidiary of Kemper (Alliance United Insurance Co.) agreed to a $1.1 million stipulated judgment with Los Angeles and Ventura district attorneys. The action resolved allegations regarding delayed investigations into auto insurance claims, requiring Kemper to implement extensive compliance, training, and tracking updates.
  • Overall Regulatory Record: According to the Good Jobs First Violation Tracker, Kemper-related entities have accumulated nearly $60 million in total consumer-protection and insurance-violation penalties across various state and federal regulatory actions over the last two decades.

3. Individual Bad Faith and Injury Verdicts

  • Kemper has also faced high-profile individual lawsuits. For example, a California court issued a $13.7 million verdict against Kemper Auto Insurance after the insurer forced prolonged litigation by claiming a severely injured pedestrian's policy had lapsed, setting the stage for additional bad-faith claims.

What is the current name of Kemper insurance company?

The current name of Kemper Insurance Company is Kemper Corporation.

Company Details

  • Parent Company: Kemper Corporation (formerly known as Unitrin, Inc. until a 2011 rebranding)
  • Stock Ticker: NYSE: KMPR
  • Main Operating Brands: Kemper Auto and Kemper Life
  • Headquarters: Chicago, Illinois

Kemper Insurance Review 2026 | Auto & Home Coverage, Rates & Claims Insights

9 related questions found

What insurance companies should I stay away from?

You should review consumer complaint data and legal evaluations before picking an insurer, as large companies like Allstate, State Farm, and Liberty Mutual frequently rank poorly for delaying or undervaluing claims.

Major Insurers Frequently Criticized for Claims Practices

  • Allstate: Legal and consumer groups often cite this company for low initial settlement offers, strict litigation tactics, and high complaint volumes.
  • State Farm: Policyholders frequently report long wait times, poor communication, and disputes over how storm or property damage is classified.
  • Liberty Mutual: Personal injury attorneys and consumer reports often flag this company for low payout offers and difficulties during the auto claims adjustment process.
  • Progressive: This carrier faces regular criticism for undervaluing vehicle repair estimates and pushing back heavily on injury claims.

Budget and High-Risk "Last Resort" Companies

  • Minimum-Coverage Specialists: Smaller budget companies (such as Fred Loya or Country-Wide) focus on high-risk drivers. They often sell bare-minimum policies that leave you exposed, and they have reputations for poor customer service and slow response times.
  • Guaranteed Acceptance Ads: Any company that advertises zero turn-downs or guaranteed coverage usually provides limited dollar limits and high out-of-pocket costs when an accident happens.

You can read a detailed breakdown of bad-faith tactics in the Colorado Law Worst Insurers Guide.

Who is the most trusted home insurance company?

USAA is widely ranked as the most trusted home insurance company in the U.S. for military members and veterans, while Amica Mutual Insurance Company is the top-rated provider for overall customer and claims satisfaction among the general public [0.6.7, U.S. News].

Top Trusted Home Insurers

  • USAA: Ranks highest in national trust and consumer sentiment studies, but is exclusive to military personnel, veterans, and their families.
  • Amica: Consistently places No. 1 in overall customer satisfaction and property claims handling in J.D. Power's Home Insurance and Claims Studies.
  • State Farm: Recognized as the largest property and casualty insurer with high financial strength (A++) and widespread local agent availability.
  • Chubb: Highly trusted for high-value and luxury homes with top-tier claims service, though at a higher premium cost.

What is going on with Kemper insurance?

Kemper Corporation is refocusing on its core specialty auto and life markets while navigating leadership changes, divestitures, and recent financial headwinds.

Recent Corporate and Strategic Changes

  • Sale of Distribution Operations: Kemper completed the sale of its Newins Insurance Agency Holdings (including Illinois Vehicle, A-Abana, and Access Auto Insurance) to Confie. This shift allows the company to focus entirely on independent agent channels for specialty auto.
  • Exit from Preferred Lines: Kemper previously wound down and exited the preferred home and auto insurance market to reallocate capital toward its core specialty operations.
  • Leadership Transitions: Stephen J. McAnena was appointed President and CEO, replacing previous interim and departing executives. Additionally, the company hired Eric Kappler as President of Property & Casualty following executive shifts in the auto division.

Financial and Market Pressures

  • Earnings and Claim Pressures: The company reported a net loss in early 2026, largely impacted by high claim frequency and severity in the California personal auto market, alongside regulatory changes such as California's increase to minimum auto liability limits.
  • Restructuring and Savings: To counter financial strains, Kemper has targeted $60 million in run-rate cost savings, actively actioning the majority of these reductions while maintaining strong available borrowing capacity and liquidity.

Which insurance company has the most complaints?

By absolute volume of complaints, Star Health and Allied Insurance records the highest number of grievances in the insurance sector, driven largely by claim repudiations.

Top Insurers by Complaint Volume

  • Star Health and Allied Insurance: Recorded over 12,000 to 13,000 formal complaints annually, leading the non-life and health sector.
  • Care Health Insurance: Follows with several thousand complaints, ranking second in the health segment.
  • Niva Bupa Health Insurance: Ranks third among health providers for total grievance volume.
  • Life Insurance Corporation (LIC): Holds the highest absolute complaint volume in the life insurance segment due to its massive customer base.

Understanding Complaint Metrics

  • Absolute Volume vs. Scale: Raw complaint numbers often reflect the size of an insurer's customer base or retail market share rather than poor service alone.
  • Proportional Ratios: When measured as complaints per 10,000 claims, companies like Navi General or Shriram General show much higher relative frequencies compared to market giants.
  • Primary Causes: The majority of policyholder grievances across top-complaint firms involve partial or complete claim rejections and delays in processing.

Is Kemper insurance better than Progressive?

Progressive is generally considered better than Kemper for most drivers because it offers lower average rates, higher overall customer satisfaction ratings, and a better digital experience.

Cost and Pricing

  • Progressive: Features more affordable average full-coverage rates (around $136 per month) and smaller rate increases after driving infractions.
  • Kemper: Tends to be more expensive on average (around $175 per month for full coverage), though it can occasionally offer competitive rates for specific high-risk profiles or local markets.

Coverage and Discounts

  • Progressive: Provides a wide array of policy add-ons like rideshare coverage, pet injury protection, gap insurance, and a large lineup of discounts.
  • Kemper: Focuses heavily on nonstandard or high-risk drivers (such as those needing SR-22 filings), offering flexible packages like gap insurance and basic supplemental coverage.

Customer Satisfaction and Digital Tools

  • Progressive: Scores higher in overall customer satisfaction in industry studies and provides robust online and mobile tools.
  • Kemper: Receives mixed or below-average customer satisfaction scores, and its mobile app and claims communication have lower user ratings, though it maintains strong financial stability ratings (A+ from A.M. Best).

You can review policy options and get estimates directly from Progressive or explore alternative choices via WalletHub.