Kemper through Vantage Point Risk

Kemper describes itself as one of the nation's specialized insurers. It reports approximately $12 billion in assets, more than 4.6 million policies in force, roughly 24,200 agents and brokers, and about 7,500 employees, working through its Kemper Auto and Kemper Life brands (Kemper, Quick Facts, accessed September 22, 2026). On the same page Kemper publishes its AM Best ratings as A- (Excellent) for the Kemper Property and Casualty Group and A- (Excellent) for the Kemper Life Group. Ratings get reviewed, and they move. If one matters to your decision, or to a contract that demands a certain rating, check it at the source. Don't take a date-stamped number off an agency page, ours included.

Why people end up on this page

Two situations, mostly. Either you had a lapse, a ticket, an accident, a DUI or a nonrenewal on your auto policy, and somebody told you Kemper still looks at drivers in that spot. Or you run a small business with a pickup or a van, and you want to know whether Kemper will write it.

There's a third. Somewhere you read that we had to go through another firm to reach Kemper. That's out of date. We deal with Kemper ourselves now, on both personal and business policies.

What the Kemper appointment actually means

Kemper has authorized our agency to quote its policies and send it business, in every state we hold a license in. We send in the application, we get Kemper's answer, and we're the ones you call afterward. Nobody sits in the middle.

That doesn't make us a Kemper office. We're independent. We can't overrule a Kemper underwriter and we don't run Kemper's website, and we quote Kemper against our other companies instead of sending everything its way. On any policy we write, you can pay in full or finance it, depending on what the company offers.

Where Kemper writes, line by line

Kemper names the states for each auto line on its own product pages. The two lists don't match.

Source: Kemper, Personal Auto Insurance and Kemper, Commercial Auto, accessed September 22, 2026.

The gap that catches people is Oregon and Nevada commercial auto. Kemper writes personal auto in both, but neither state shows up on its commercial list. For a work truck in Oregon or Nevada we go to other companies, and our Oregon commercial auto page and Nevada commercial auto page cover what each state requires. In Washington, Idaho, Montana, Utah, New Mexico and Hawaii, Kemper's lists don't show either auto line.

Kemper personal auto: who it's built for

Kemper says plainly who its personal auto program is for, which is more than most companies bother to publish. Its product page names standard and non-standard drivers, drivers who need an SR-22, drivers with suspended, revoked or canceled licenses, and drivers without a standard US license. For that last group Kemper says acceptable ID varies by state and may include a Matrícula Consular, a foreign or international license, or a passport. Its guide to high-risk car insurance adds that Kemper Auto "offers flexible solutions for drivers with challenging histories," and discusses DUI convictions and coverage gaps. It also says Kemper files SR-22 and FR-44 forms where applicable.

The policy itself runs from liability only to full coverage. Kemper lists liability, collision, comprehensive, and uninsured and underinsured motorist coverage, with personal injury protection, roadside assistance and rental car reimbursement as options. That's a shorter list than a preferred company would hand you, and it's the usual trade for a driver in this spot.

Kemper's newer program is Kemper Auto BVP, short for Basic Value Plus. It has three tiers, Essential, Enhanced and Elite, and Kemper describes it as giving agents "more options and price points" (Kemper, Kemper Auto BVP, accessed September 22, 2026). Kemper lists BVP in Arizona, Oregon and Florida, with Texas approved. For a driver in Eugene or Phoenix, that's one more place a quote can land.

If you're here because of a specific problem, these pages go deeper and are written for any carrier, not just Kemper:

• Non-standard and high-risk auto insurance
• SR-22 insurance, with pages for Oregon, Arizona, Colorado, California and Nevada
• Car insurance after a DUI
• Insurance with a suspended license
• Auto insurance after a lapse
• Non-owner car insurance
• Car insurance without a US license (en español)

Kemper commercial auto: what it fits

Kemper's commercial auto is built for small businesses that use a vehicle to do the work, not to haul for hire. Kemper says it covers "over 1,000 occupations," from one-person operations to small fleets, with pickups and vans among the vehicles and landscaping trucks named directly. Two features stand out for a contractor. A general liability endorsement can cover work done outside the vehicle, and roadside assistance comes with the program. Kemper offers monthly, quarterly and paid-in-full payment options.

BTIS, which sells Kemper commercial auto, publishes a longer list of what the program takes. It puts the ceiling at 54,000 pounds gross vehicle weight when the vehicle isn't for hire. Liability limits run up to $1 million combined single limit where that's available, and new ventures are welcome. The trades it names are landscaping, lawn care, contractors and handymen, general contracting, electricians, drywall, masonry, concrete, welding and auto repair. It won't take dirt, sand and gravel hauling, for-hire livery, towing, heavy haul, for-hire long haul or timed delivery. If your trucks are the product, trucking and transportation is the better starting point.

Related pages: Arizona commercial auto, California commercial auto, Colorado commercial auto, commercial auto for a new business, commercial auto when a driver has violations, and contractor commercial auto.

What we can quote with Kemper

Here's everything Kemper says it sells (Kemper, Insurance Products, accessed September 22, 2026): personal auto; commercial auto, commercial general liability and a business owners policy; whole, term and graded death benefit life; and additional coverages for accident and health, fire and contents protection, motorcycle, ATV, snowmobile and boat.

Two of those need translating. A business owners policy, usually shortened to BOP, puts property and general liability for a small business into one policy. A graded death benefit life policy pays a reduced amount if you die in the first few policy years, which is how companies write life cover for people who wouldn't get through full underwriting. Kemper also publishes an article on Mexico car insurance for tourists, and it's worth reading if you drive south of the border. Kemper's point there is that a United States auto policy generally doesn't meet Mexican requirements. You have to buy liability cover from a licensed Mexican insurer, and an agent can help you arrange that (Kemper, Mexico Car Insurance for Tourists, February 1, 2024, accessed August 5, 2026). That's Kemper giving advice, not Kemper selling a policy.

What's missing from the list matters too. Kemper doesn't sell homeowners insurance. Its old property URL now redirects to Infinity Insurance Agency, a Kemper agency brand. Infinity says on that page that it arranges homeowners coverage through insurance companies it isn't affiliated with (Infinity Insurance Agency, Homeowners and Property Insurance, reached from Kemper's site, accessed August 5, 2026). So we don't call home insurance a Kemper product. If you need homeowners insurance, we'll quote it with a home insurance company and tell you which one. Infinity's own auto page does list SR-22 filings, the certificate a state requires from some drivers as proof of financial responsibility.

On this site, those products line up with auto insurance, motorcycle insurance, ATV insurance, boat insurance, commercial auto, general liability, the business owners policy and life insurance.

The discount categories Kemper publishes

Kemper lists its auto discounts without percentages, so we've got no numbers for you and we're not going to invent any. Here are the categories, and what Kemper says qualifies you (Kemper, Discounts and Savings, accessed September 22, 2026):

• Kemper Co-Pilot. A telematics program. Drivers new to Kemper in select states can get a discount for sharing driving habits through a mobile app. Select states means exactly that, so ask before assuming.
• Advance Quote. For taking a quote and buying it before the effective date shown on the quote. Shopping early pays here.
• Proof of Prior Insurance. For drivers who have had auto coverage before. Keep your old card or declarations page.
• Paid-in-Full. For paying the premium up front instead of monthly.
• Multi-Car. For insuring more than one vehicle in the household on one policy.
• Defensive Driving Course. Kemper says to ask an independent agent which courses qualify, which tells you the rules move around by state.
• Good Student. Full-time students with a 3.0 grade point average or higher.
• Homeowner. For when you or someone on the auto policy holds a homeowners policy and the address on that policy matches the address on the auto policy. Kemper puts the address match in writing, so check it before you assume the discount applies.

Kemper attaches its own caution to that list, and it's worth repeating in full: all statements are subject to the terms, exclusions and conditions of the applicable policy, current policy contract language prevails, products and discounts are not available in all states or in all underwriting companies, coverage depends on meeting underwriting qualifications and state availability, and other terms and exclusions may apply.

Who might be worth quoting with Kemper

All of this is Kemper describing itself. What an underwriter does with your application is a separate question.

• Drivers who need an SR-22, or whose license is suspended, revoked or canceled and who are working toward reinstatement.
• Drivers coming off a lapse who can show evidence of prior insurance.
• Drivers with a DUI or a rough few years on the record.
• Drivers licensed outside the US, or holding a non-standard ID, in states where Kemper accepts it.
• Households with more than one vehicle, or with a full-time student carrying a 3.0 or better.
• Contractors, landscapers and service businesses in Arizona, California, Colorado or Texas with a pickup, a van or a small fleet, especially a new venture.
• People who want life cover and have been declined elsewhere, given the graded death benefit product.
• Owners of a motorcycle, ATV, snowmobile or boat who want the specialty piece quoted alongside the car.

If everyone in your house has a clean record and the home is worth real money, Kemper probably isn't where we'd start. We'll say so instead of quoting it to pad the list.

Availability, and what we can't promise

We can go to Kemper in all twelve states we're licensed in: Oregon, California, Washington, Idaho, Montana, Nevada, Utah, Colorado, Arizona, Texas, New Mexico and Hawaii. Kemper decides where each product actually sells, and the states it names are in the table above. Kemper also says its products, services and discounts aren't available in all states or in all of its underwriting companies, and that products and prices differ across its business segments.

So we can knock on the door. What's behind it depends on your state, the product, and which underwriting company Kemper uses there. Coverage is subject to policy terms, underwriting and availability. Nothing on this page is an offer of coverage, a promise of eligibility, or a guarantee of placement.

Kemper, Infinity and the name on your policy

People ask whether Kemper and Infinity are the same company. They're part of the same group: Kemper completed its acquisition of Infinity Property and Casualty on July 2, 2018. Kemper's list of underwriting companies today includes Infinity Insurance Company, Infinity Auto Insurance Company, Infinity Casualty Insurance Company and several other Infinity entities, alongside names like Financial Indemnity Insurance Company, Kemper Independence Insurance Company, Trinity Universal Insurance Company and American Access Casualty Company.

The brand on the website is Kemper Auto. The company on your declarations page may be one of those legal entities, and that's the name that matters for a claim, a complaint or a certificate. If you're unsure which one issued your policy, send us the declarations page and we'll tell you.

How Kemper compares to the other markets we hold

There's no winner here, so we won't name one.

Kemper is mostly an auto company, personal and commercial, pointed at drivers a preferred company would turn down. For those drivers we compare several companies at once. Two others that write them are National General, an Allstate company whose published underwriting guides provide for SR-22 filings and named non-owner policies, and GEICO, which files SR-22s and offers a non-owner SR-22 policy. All three price the same record very differently, and that's the reason to look at them together.

Mercury is personal lines, with real home capacity in California. Travelers and Nationwide are broad national companies across personal and commercial. Safeco, now under Liberty Mutual personal insurance, has been an independent agent brand for a long time. Lemonade runs through an app and writes in its own set of states, and The Hartford leans commercial.

Which one is worth submitting depends on the driving records, the vehicles, the business and where you live. Sorting that out is the job. If Kemper isn't the answer, we'll say so and start from a coverage comparison instead.

Claims and policy service

Kemper handles its own claims. You can report an auto, auto glass, roadside, towing, property or Kemper Life claim through Kemper's claims page. New claims for auto, home and commercial auto go to 800-353-6737, Monday to Friday 8:00am to 7:00pm Central and Saturday 11:00am to 6:00pm Central. Policies written through American Access Casualty use 630-645-7755, Monday to Friday 8:00am to 8:00pm Central and Saturday 9:00am to 5:00pm Central (Kemper, Report a Claim, accessed September 22, 2026). Kemper says to have the policyholder name, the policy number, a description of the incident and the date and time ready before you call.

Kemper also runs a repair shop lookup and separate claims help pages for auto, life, and accident and health. For payments and policy documents, use Kemper's account portal. If your policy is serviced through our office and you'd rather start with a person, use the Service Center or find direct numbers in our carrier directory.

Visit the official Kemper website →

What to send us if you want a Kemper quote

• Your current declarations page, or the last one you had if coverage has lapsed
• Every driver, with license number, license state and how long each has been licensed
• Tickets, accidents and any lapse in the last five years, with dates
• Vehicles with VINs, annual mileage, and where they park overnight
• Any filing requirement a court or the DMV has told you about
• If a driver has no US license, the license or ID they do hold, and the country that issued it
• For a business: vehicles, drivers, radius of operation, and what the business actually does
• For life: date of birth, tobacco use, and the amount and term you have in mind

Richard Sweet, owner of Vantage Point Risk and an independent insurance advisor. Last reviewed September 24, 2026. How we review this.