In the rapidly evolving landscape of the 2026 insurance market, finding a provider that balances specialized risk management with comprehensive protection is a challenge. Enter Kemper Preferred Auto Insurance. Whether you are a high-risk driver looking for a second chance or a seasoned vehicle owner seeking premium “preferred” benefits, understanding the nuances of Kemper Preferred Auto Insurance is essential for protecting your financial future.
This massive, deep-dive guide explores every corner of the Kemper Preferred Auto Insurance ecosystem. We will cover policy types, the transition from Infinity to Kemper Preferred Auto Insurance, the claims process, and strategic ways to lower your Kemper Preferred Auto Insurance premiums.
1. What is Kemper Preferred Auto Insurance?
Kemper Preferred Auto Insurance is a specialized segment of the Kemper Corporation, a titan in the insurance industry with over $13 billion in assets. While many know Kemper for its “Specialty” or “Non-Standard” lines (catering to high-risk drivers), the Kemper Preferred Auto Insurance line was traditionally designed for drivers with clean records, offering broader coverage limits and “package” deals that bundle home and auto.
The 2026 Market Shift
As of recent updates, the brand has consolidated much of its “preferred” offerings under the Kemper Auto and Kemper Personal Insurance umbrellas. However, for those still holding Kemper Preferred Auto Insurance policies or seeking “Prime” level coverage, the name remains synonymous with high-value protection.
Key Pillars of Kemper Preferred Auto Insurance:
- Specialized Risk Assessment: Unlike “one-size-fits-all” carriers, Kemper Preferred Auto Insurance uses advanced data to provide fair rates.
- Financial Stability: Rated “A-” (Excellent) by AM Best, ensuring they have the capital to pay your claims.
- Agent-Centric Service: You aren’t just a number; Kemper Preferred Auto Insurance is sold primarily through independent agents who provide personalized advice.
2. Core Coverage Options in Kemper Preferred Auto Insurance
When you sign up for Kemper Preferred Auto Insurance, you aren’t just getting the legal minimum. You are getting a suite of protections designed to keep you on the road.
Liability Protection
The foundation of any Kemper Preferred Auto Insurance policy is liability. This covers bodily injury and property damage you cause to others.
- Bodily Injury: Essential for covering medical bills and legal fees.
- Property Damage: Repairs the other person’s car or property.
Collision and Comprehensive
For those with newer vehicles, Kemper Preferred Auto Insurance offers robust physical damage coverage.
- Collision: Covers your car after an accident, regardless of fault.
- Comprehensive: Protects against “Acts of God”—theft, fire, hail, and vandalism.
The “Preferred” Extras
This is where Kemper Preferred Auto Insurance shines. Their “Package” policies often include:
- Blanket Property Limits: Combining limits across different coverage types for maximum payout.
- Replacement Cost Dwelling: Ensuring your home (if bundled) is rebuilt at current market prices.
- Kemper Total™: A standout feature where they pay to replace your new car with a brand-new one if it’s totaled, rather than just paying the depreciated “Actual Cash Value.”
3. Why High-Risk Drivers Choose Kemper Preferred Auto Insurance
While the word “Preferred” suggests a clean record, Kemper is a market leader in “Non-Standard” insurance. If you have a DUI, multiple tickets, or an SR-22 requirement, Kemper Preferred Auto Insurance (via their Specialty arm) is often the most affordable choice.
SR-22 Filings Made Easy
If the state requires you to prove financial responsibility, Kemper Preferred Auto Insurance agents can file an SR-22 immediately. This allows you to regain your driving privileges faster than almost any other carrier.
Acceptance of Foreign Licenses
Kemper Preferred Auto Insurance is incredibly user-friendly for international drivers. They accept:
- International Driving Permits.
- Matricula Consular ID.
- Foreign Driver’s Licenses.
4. How to Get a Kemper Preferred Auto Insurance Quote
Getting a Kemper Preferred Auto Insurance quote is a streamlined process in 2026. You can start online, but the best way to secure a “Preferred” rate is through an agent.
Step-by-Step Quote Process:
- Gather Information: Have your VIN, driver’s license number, and current policy limits ready.
- Visit Kemper.com: Use the “Get a Quote” tool to find a local Kemper Preferred Auto Insurance representative.
- Compare Specs: Ensure you are comparing “apples-to-apples.” A low-cost quote might have higher deductibles than your current Kemper Preferred Auto Insurance plan.
- Check for Discounts: Ask specifically about the “Advance Quote Discount” if you are shopping 7+ days before your current policy expires.
| Feature | Kemper Preferred Level | Standard Level |
| New Car Replacement | Included (Kemper Total™) | Optional Add-on |
| Deductible Type | Diminishing Deductible | Fixed Deductible |
| Billing | Single Bill for Home/Auto | Separate Bills |
| Customer Service | Dedicated Preferred Line | General Claims Line |
5. Maximizing Your Kemper Preferred Auto Insurance Discounts
To truly get the best value out of Kemper Preferred Auto Insurance, you must leverage every available discount. In 2026, Kemper has introduced more tech-based savings than ever.
Kemper Co-Pilot (Telematics)
By downloading the Co-Pilot app, Kemper Preferred Auto Insurance policyholders can save up to 10% instantly. The app monitors:
- Braking habits.
- Speed.
- Phone usage while driving.
- Time of day.
Traditional Savings
- Multi-Car Discount: Insuring all family vehicles under one Kemper Preferred Auto Insurance umbrella.
- Paid-in-Full Discount: Paying your 6 or 12-month premium upfront to avoid monthly service fees.
- Good Student Discount: For full-time students with a 3.0 GPA or higher.
- Military Discount: Available for active duty and National Guard members.
6. The Claims Process: What to Expect
A Kemper Preferred Auto Insurance policy is only as good as its claims service. While Kemper has faced mixed reviews in the past, their 2026 “Kemper Repair Network” has significantly improved the user experience.
Filing a Claim with Kemper Preferred Auto Insurance:
- Report Immediately: Use the 24/7 claims hotline or the mobile app.
- Assignment: A Kemper Preferred Auto Insurance adjuster is typically assigned within one business day.
- The Appraisal: For minor damage, you can use the “Photo Claim” feature in the app. For major damage, an on-site appraiser will visit.
- Repairs: Using the Kemper Repair Network ensures the work is guaranteed for as long as you own the vehicle.
7. Kemper Preferred Auto Insurance vs. The Competition
How does Kemper Preferred Auto Insurance stack up against giants like State Farm or Geico?
- VS. State Farm: State Farm often has better “local” agent saturation, but Kemper Preferred Auto Insurance is usually much more lenient with high-risk drivers.
- VS. Geico: Geico is a “direct” insurer. Kemper Preferred Auto Insurance relies on independent agents who can shop other brands for you if Kemper isn’t the best fit.
- VS. Progressive: Both are strong in the SR-22 market, but Kemper Preferred Auto Insurance offers unique package features like “Blanket Limits” that Progressive lacks.
8. Frequently Asked Questions (FAQ)
Is Kemper Preferred Auto Insurance expensive?
For standard drivers, Kemper Preferred Auto Insurance is competitively priced, especially when bundling. For high-risk drivers, it is often one of the most affordable options available in 2026.
Does Kemper Preferred Auto Insurance offer Gap Insurance?
Yes. If your car is totaled and you owe more on your loan than the car is worth, Kemper Preferred Auto Insurance Gap coverage will pay the difference.
Can I manage my policy online?
Absolutely. The Kemper Preferred Auto Insurance portal allows you to make payments, print ID cards, and track claims from any device.
Conclusion: Is Kemper Preferred Auto Insurance Right for You?
Kemper Preferred Auto Insurance remains a powerful contender in the 2026 insurance market. It offers the specialized care of a niche insurer with the financial backing of a massive corporation. Whether you’re looking to protect a brand-new SUV with Kemper Total™ or just need a reliable Kemper Preferred Auto Insurance policy to get back on the road after a license suspension, Kemper has a solution.
The key to success with Kemper Preferred Auto Insurance is communication with your independent agent. They can help you navigate the “preferred” vs. “specialty” lines to ensure you aren’t overpaying for coverage you don’t need—or under-insuring your most valuable assets.