Kemper Claim Complaints
Regulator data last updated October 24, 2026. Page edited by Ali Ahmad, MyAutoTriage editor.
Short answer
In Texas in 2025, Kemper's rate of confirmed auto complaints per policy was 3.1 times the average for all auto insurers (33 confirmed complaints). In New York's 2024 ranking, Kemper's rate of upheld complaints per premium dollar was 5.3 times the average (10 upheld complaints). In California's 2025 report on the 50 largest auto insurers, Kemper's rate of justified complaints per insured vehicle was 43% of the average (39 justified complaints).
Texas 2025
3.06
More complaints than average
33 confirmed complaints, 65,556 auto policies. Average = 1.00.
New York 2024
5.27
More complaints than average
10 upheld complaints on $56 million of premium. Average = 1.00.
California 2025
0.43
Fewer complaints than average
39 justified complaints, 1,489,336 insured vehicles. Average of the 50 largest insurers = 1.00.
What stands out in Kemper's numbers
In Texas this page counts 1 company selling as Kemper: Infinity County Mutual Insurance Company, with 65,556 auto policies in force.
"Poor claim handling or communication" came up in 72% of Texas complaints about Kemper, against 61% for all Texas auto insurers.
Kemper's Texas complaint index barely moved: 3.07 in 2024 and 3.06 in 2025.
In New York's 2024 ranking, the 6 companies selling as Kemper placed between 39 and 123 of 128 auto insurers (1 = fewest upheld complaints for its premium).
In California's 2025 report, Kemper's company placed 18 of the 50 largest auto insurers (1 = fewest justified complaints for the vehicles it insures).
What Texas drivers complained about (2025)
In 2025 the Texas Department of Insurance closed 137 auto complaints about Kemper. The most common reasons:
- Poor claim handling or communication (72% of complaints)
- Claim delays (68% of complaints)
- Low settlement offer (28% of complaints)
- Claim denied (15% of complaints)
- Disputed who was at fault (9% of complaints)
One complaint can list more than one reason. These counts include every complaint TDI closed that year, not only confirmed ones, and count by closing year the way TDI's complaint index does.
Did complaining get people paid?
60% of the 127 claim complaints about Kemper ended with the claim settled or more money paid, by TDI's record of how each was resolved. For all Texas auto insurers the figure was 58%.
If Kemper is stalling or lowballing your claim
- Put it in writing. Ask the adjuster by email for the reason for any delay or offer, and the policy language or valuation report behind it.
- Keep a dated record of every call, promise and document. State claim rules set deadlines for acknowledging, deciding and paying claims, and a record shows when they were missed.
- Send a written counter-offer with your own evidence: estimates, comparable cars, receipts.
- If that goes nowhere, file a complaint with your state insurance department. It's free, and the insurer has to answer it in writing.
Companies counted as Kemper
- Infinity County Mutual Insurance Company (TX, NAIC 13820)
- Unitrin Preferred Insurance Company (NY, NAIC 25909)
- Unitrin Direct Insurance Company (NY, NAIC 10226)
- Unitrin Safeguard Insurance Company (NY, NAIC 40703)
- Kemper Independence Insurance Company (NY, NAIC 10914)
- Unitrin Auto and Home Insurance Company (NY, NAIC 16063)
- Infinity Insurance Company (NY, NAIC 22268)
- Infinity Insurance Company (CA)
Frequently asked questions
Does Kemper have a lot of complaints?
In Texas in 2025, Kemper's rate of confirmed auto complaints per policy was 3.1 times the average for all auto insurers (33 confirmed complaints). In New York's 2024 ranking, Kemper's rate of upheld complaints per premium dollar was 5.3 times the average (10 upheld complaints). In California's 2025 report on the 50 largest auto insurers, Kemper's rate of justified complaints per insured vehicle was 43% of the average (39 justified complaints).
What does a complaint index of 1.00 mean?
1.00 is the average for all auto insurers in that state, adjusted for size. A score of 0.50 means half as many complaints as expected for the company's size; 2.00 means twice as many. Kemper's Texas score of 3.06 means 3.1 times the average.
Sources
- Texas Department of Insurance, Complaint indexes and policy counts for insurance companies (2025, automobile)
- Texas Department of Insurance, Insurance complaints: All data
- New York Department of Financial Services, Automobile Insurance Company Complaint Rankings (filing year 2024)
- California Department of Insurance, Automobile Complaint Composite Report (complaint year 2025)
- NAIC, How to file a complaint with your state insurance department
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