What JD Power Rating Kemper Holds
Kemper Auto Insurance currently holds a JD Power rating of 4.5 out of 5 for overall customer satisfaction, based on the latest 2023 U.S. Auto Insurance Study. The score reflects policyholders' experiences with claim handling, pricing, and service quality.
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How JD Power Calculates Auto Insurance Scores
JD Power surveys thousands of insured drivers, asking them to rate their insurer on five core dimensions: claim satisfaction, policy offerings, price, customer service, and overall experience. Scores are weighted, with claim satisfaction typically carrying the most influence because it directly impacts perceived value.
Key Factors Behind Kemper's Score
Several elements contribute to Kemper's 4.5 rating:
- Fast claim processing – average claim settlement time of 12 days.
- Competitive pricing – premium discounts for safe drivers and bundling.
- Digital tools – a mobile app that lets customers file claims, track status, and request documents.
- Customer support – 24/7 phone and chat assistance with a satisfaction rating above 90%.
Comparing Kemper to Other Major Insurers
The table below places Kemper's JD Power rating alongside three other well‑known carriers, highlighting differences in claim speed and discount options.
| Insurer | JD Power Rating | Average Claim Settlement (days) | Notable Discount Programs |
|---|---|---|---|
| Kemper | 4.5 | 12 | Safe driver, multi‑policy, loyalty |
| State Farm | 4.6 | 10 | Safe driver, teen, multi‑car |
| GEICO | 4.4 | 14 | Military, federal employee, multi‑policy |
| Allstate | 4.3 | 13 | Drivewise, new car, multi‑policy |
What the Rating Means for You
A JD Power rating of 4.5 suggests that most Kemper customers are satisfied with how the company handles claims and service interactions. For prospective buyers, the rating signals a reliable insurer, but individual needs—such as specific coverage options or local agent availability—still matter.
How to Use the Rating When Shopping
When comparing quotes, consider the JD Power score as one data point alongside price, coverage limits, and deductible choices. A higher rating often correlates with smoother claim experiences, which can save time and stress after an accident.