Kemper insurance review: auto and home insurance in North Carolina

Kemper is a large, publicly-traded insurance holding company headquartered in Chicago. They write auto, home, life, and specialty insurance through independent agents. Their non-standard auto division, formerly known as Infinity, is their best-known product line in NC.

AM Best rating: A- (Excellent) for most Kemper operating companies.

Kemper's non-standard auto business (through their specialty division) is a common choice for high-risk drivers in NC. When preferred carriers like Progressive, Travelers, or Nationwide decline a driver, Kemper is often one of the few options still available.

Rates on non-standard auto are higher than preferred market rates, but availability matters when other carriers won't write you. Kemper also writes standard auto for preferred-risk drivers, though that's typically not where they're most competitive.

Kemper is one of the more accessible carriers for SR-22 filings in NC following a DUI, reckless driving charge, or other serious violation. If you need an SR-22 and have been turned down elsewhere, Kemper is a viable option to explore.

Kemper writes home insurance in NC, but they're less competitive in the standard home market. They're more useful for homes that don't qualify for preferred carriers, older homes, commercial-adjacent properties, or homes with unique construction. For most standard homes, there are better-priced options in our carrier lineup.