Kemper car insurance costs and discounts
Overall, we found Kemper’s auto insurance policies to be a bit more expensive for adults and families without young drivers. If you fall into these categories, you may want to pay a few hundred dollars more per policy for Kemper auto insurance.
However, Kemper does offer good rates for high-risk drivers. This means teens and students can find better rates with Kemper than other insurance companies. Likewise, families with teens can purchase home auto insurance at the company. Besides being young, there are a few other factors that can make you a high-risk driver:
- Submit SR-22
- Have a record of drunk driving or other serious violations
- Bad credit score (not related to California or Hawaii)
- no prior insurance
- There is a time-lapse coverage
All of these things will increase your auto insurance rates, so it’s good to learn about companies that still offer great deals for high-risk drivers. There are a few other factors that can affect your car insurance rates :
- age
- local population density
- accident record
- most recent ticket
- the type of car you drive
- Other drivers of your policy
Finally, you can get some discounts on Kemper car insurance coverage:
- full payment
- advance insurance
- homeowner
- Tenant Insurance Policy
- multi-vehicle
- Bundle policies into Package Plus
- anti-theft device
- leave school
- driver training
- good student
- Passive Restraint / Airbag
Auto Insurance Rates by Metro Area in California
- California’s most popular auto insurance company by market share
- California’s Best Auto Insurance Companies Based on Customer Satisfaction
- Sample California Auto Insurance Quote
- Auto Insurance Rates by Metro Area in California
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The average premium in California is $1,397, according to S&P Global. Getting auto insurance in California will be different than getting auto insurance anywhere else in the United States. California has a unique affordable auto insurance program that is not available anywhere else.
California law prohibits consideration of age, gender, or credit score when calculating rates. Other factors, such as driving history, marital status, vehicle type, previous coverage, and mileage, can all play a role in your coverage amount.
California is a big market for auto insurance, which means there are great opportunities to shop. Make sure to get quotes from several different insurance companies and compare their coverage and loss ratios. You also want to consider deductibles or the amount you’ll pay out of your pocket if you’re in the insurance market. By shopping around, you will be able to find the best price for yourself.
Sample California Auto Insurance Quote
In California, the cost of insurance will vary depending on where you live. To find the company with the cheapest policy, we used the California Department of Insurance’s auto insurance comparison tool to find the best company for drivers in three different areas of California.
Our analysis is based on standard coverage for an adult driver who drives no more than 10,000 miles per year, has five to eight years of driving experience, and has a Honda agreement.