Kemper Auto
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Kemper Auto’s public materials position it as a non‑standard personal auto market focused on drivers who have had coverage challenges, including those needing SR‑22 filings or without a traditional U.S. driver’s license. The marketing emphasizes flexible policy structures and a range of limits from basic (state minimum) to more extensive packages, with pricing and eligibility varying by state and underwriting company. Preferred / target business (personal auto) - Drivers with prior insurance (even with another carrier) – highlighted via a “Prior Coverage Discount,” indicating a preference for insured-to-insured business when available. - Insureds willing to purchase in advance of effective date (Advanced Purchase Discount) and with a stable garaging address, and households with a homeowner at the same location (Homeowner Discount). ([kemper.com](https://www.kemper.com/insurance-products/personal-auto/kemper-auto-coverage)) - Non‑standard or higher‑risk drivers who still meet company underwriting qualifications: the site notes Kemper specializes in personal auto for drivers who’ve faced coverage challenges, not standard preferred auto. ([kemper.com](https://www.kemper.com/insurance-products/personal-auto/kemper-auto-coverage)) Non‑standard appetite signals - Will consider drivers without a traditional U.S. driver’s license; FAQs state options are available with non‑standard IDs such as matrícula consular, foreign or international licenses, or passports, subject to state rules. ([kemper.com](https://www.kemper.com/insurance-products/personal-auto/kemper-auto-coverage)) - Will consider drivers with suspended, revoked, or canceled licenses where an SR‑22 filing is required; the FAQs specifically reference affordable SR‑22 certificate options. ([kemper.com](https://www.kemper.com/insurance-products/personal-auto/kemper-auto-coverage)) - Emphasis on flexible coverage from “basic to extensive” for people who have had coverage issues suggests tolerance for prior lapses and driving/credit challenges, provided minimum underwriting qualifications are met. Geographic availability - Current personal auto availability is listed as: Arizona, California, Colorado, Florida, Georgia, Illinois, Nevada, Oregon, Pennsylvania, and Texas. Producers should treat this list as the active personal auto footprint and verify within agent systems for any state‑specific restrictions or recent changes. ([kemper.com](https://www.kemper.com/insurance-products/personal-auto/kemper-auto-coverage)) Coverage and product notes - Standard personal auto coverages marketed: liability (BI/PD), UM/UIM, collision, comprehensive, PIP where applicable, rental reimbursement, and 24/7 roadside assistance. The company markets itself as providing “affordable personal auto insurance” with optional endorsements layered on, subject to state rules and underwriting qualification. ([kemper.com](https://www.kemper.com/insurance-products/personal-auto/kemper-auto-coverage)) - Public content repeatedly notes that products, services, discounts and coverage options are not available in all states or all Kemper underwriting companies and are always subject to policy terms and eligibility, reinforcing a state‑by‑state underwriting framework. ([kemper.com](https://www.kemper.com/insurance-products/personal-auto/kemper-auto-coverage)) Restricted / declined (inferred from positioning – confirm in internal manuals) - No explicit public list of ineligible drivers or vehicles is given on the marketing page. Instead, it states that coverage is subject to meeting underwriting qualifications and state availability, and that policy contract language controls. ([kemper.com](https://www.kemper.com/insurance-products/personal-auto/kemper-auto-coverage)) - Operationally, agents should expect typical non‑standard auto restrictions to apply (e.g., severe or recent major violations, certain commercial‑use exposures written on personal paper, exotic/antique units, and non‑garaged or non‑titled interests) per the internal state underwriting manuals referenced in agent training, but these details are not published on the consumer site. Broker / producer notes - Kemper distributes mainly through independent agents; the personal auto page directs consumers to contact a local Kemper agent for state‑specific coverage, limits, and eligibility guidance, and emphasizes that an agent should help determine required and optional limits. ([kemper.com](https://www.kemper.com/insurance-products/personal-auto/kemper-auto-coverage)) - For new producers, Kemper instructs that independent agents who want to sell Kemper Auto should apply for appointment by completing the online form linked from the FAQ (“How can interested independent agents get appointed to sell Kemper Auto insurance?”). ([kemper.com](https://www.kemper.com/insurance-products/personal-auto/kemper-auto-coverage)) - The footer and disclosure language remind agents that coverage, discounts and options vary by state and underwriting company; current policy contracts and internal underwriting qualification rules always prevail over marketing language. ([kemper.com](https://www.kemper.com/insurance-products/personal-auto/kemper-auto-coverage)) Submission / workflow expectations (from public site; detailed rules via agent portal) - New business is initiated via quote tools accessible to appointed agents or through agent‑assisted web quotes; prospective insureds are steered to “Get a Quote” and “Find an Agent,” not direct‑to‑consumer binding, reflecting a controlled, agent‑driven underwriting process. ([kemper.com](https://www.kemper.com/)) - The public site does not publish specific documentation or data‑point requirements (e.g., MVR thresholds, proof of prior, acceptable vehicles); those are housed in state manuals on the agent portal referenced in agent training materials, so producers should continue to rely on portal manuals and company bulletins for bind/issue rules, documentation checklists and referral triggers. Operational takeaway - Treat Kemper Auto as a non‑standard personal auto market with appetite for drivers who have prior coverage gaps, alternative IDs or need SR‑22, operating in a limited state footprint. Use the internal, state‑specific underwriting manuals available via agent login for hard rules on acceptable drivers, vehicles and violations. Use the public page primarily for high‑level appetite cues, discount positioning (prior coverage, advance purchase, homeowner), and confirmation of where personal auto is currently marketed.