How to Cancel Your Kemper Car Insurance Policy in 5 Easy Steps
Excellent
Been here before? Get your quotes back.
)
)
Written byMandy Sleight
)
Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
)
Edited byMatthew Gross
)
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
Updated
Why You Can Trust Compare.com: At Compare.com, it’s our mission to find simple ways to help our customers save money on the things they need. While we partner with some of the companies and brands we talk about in our articles, all of our content is written and reviewed by our independent editorial team and never influenced by our partnerships. Learn about how we make money, review our editorial standards, and reference our data methodology to learn more about why you can trust Compare.com.
Advertiser Disclosure
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
Table of contents
Kemper Insurance offers affordable coverage for high-risk drivers, according to Compare.com data. But if Kemper no longer meets your needs — like if your driving record improves or you don’t need SR-22 insurance — canceling might be the right choice.
You can cancel your Kemper car insurance by phone or in person. Here’s how to cancel Kemper auto insurance and what to consider before canceling.
5 Steps to Cancel Your Kemper Car Insurance Policy
)
You can cancel your car insurance policy anytime and for any reason. But before contacting Kemper, you should take the following steps to ensure canceling is right for you.
1. Review your current policy
For Kemper to process your cancellation, you’ll need some information from your declarations page, including your policy number and expiration date. Checking your policy end date can help determine whether you might get a refund or have to pay a cancellation fee.
You should also note your current insurance coverage, limits, and deductibles. You can use this information later when deciding on your new policy.
2. Understand what you need from your next policy
Figuring out what’s lacking in your current insurance policy can help you decide what you need from your next one.
Maybe you chose Kemper because you’re a high-risk driver, needed to meet an SR-22 insurance requirement, or could only afford state-minimum coverage. But if your driving record improves or you can pay more for your premiums, you might be able to get better coverage for your needs.
Think about how much you want to pay, as well. Claims costs are rising — partly because of repair and maintenance costs — which increased nearly 3% from 2023 to 2024, according to Bureau of Transportation Statistics (BTS) data.
You can also consider additional coverage, like gap insurance. If you’re using a loan to buy a car, review your lender’s minimum-coverage requirements to ensure you have enough liability coverage and don’t exceed its comprehensive and collision deductible maximums.
3. Compare quotes and purchase your new policy
Lapses in coverage can cause claim denials and higher premiums, so you should have a new policy in place before canceling your insurance.
Car insurance premiums rose nearly 11% from 2023 to 2024, according to the BTS. Comparing auto insurance quotes from different companies can help you find the lowest price for your coverage needs.
Car insurance comparison sites make comparing quotes easy. They help you quickly compare coverage and pricing from multiple insurance companies.
Find Cheap Car Insurance
Compare the best car insurance rates for your budget.
Secure. Free. Easy-to-use.
Based on 1395+ reviews
4.8/5
4. Contact Kemper customer service
Call Kemper customer service or your agent to cancel your policy. You can also cancel by logging in to Kemper’s online portal or visiting your agent’s office.
Make sure you have your policy number and cancellation date. Your agent may also ask why you’re canceling and for your new policy information to process the cancellation.
And if you cancel your policy midterm and have paid your premiums in advance, you might receive a refund.
Kemper doesn’t specify whether you must pay a cancellation fee or sign a cancellation letter.
5. Confirm your cancellation and get your refund
Ask how long the cancellation process takes and how you’ll receive confirmation — usually by mail or email. If you’re entitled to a refund, ask how and when you’ll receive it.
If you have an automatic payment plan or pay through bill pay, make sure to stop payments. You may owe money if there’s a cancellation fee or you haven’t paid your policy up to the end date.
Ways to Cancel Your Kemper Auto Insurance Policy
)
You can cancel your Kemper auto insurance policy through a few different methods. You can call, log in to your account online, or visit your agent’s office.
Here’s an overview of each method.
By phone
You can call Kemper customer service at 1 (800) 782-1020 or contact your Kemper agent to request cancellation. You can find your agent’s phone number and address using Kemper’s agent locator.
In person
To cancel your Kemper auto insurance policy in person, visit your agent’s office. Make sure to check the office’s hours.
When to Cancel Your Car Insurance Policy
You can cancel your car insurance policy at any time, but you may have to pay a fee if you cancel midterm.
High-risk insurance companies like The General, Mercury, and National General charge a midterm cancellation fee. Kemper is also a non-standard insurer, so you may have to pay a fee to cancel before your policy renewal date — the company’s website doesn’t mention if it charges cancellation fees.
If you plan to cancel your Kemper insurance policy in the middle of the term, ask if there’s a cancellation fee and how much it costs. You can factor the fee into the price of your new policy to see if it’s worth canceling your Kemper policy midterm or waiting until it renews.
What to Consider Before Canceling Your Kemper Auto Insurance Policy
)
A few things to consider before canceling your Kemper auto insurance policy include:
Shop around before you drop Kemper. Compare quotes from several companies to find the best car insurance for your needs and budget.
Avoid a coverage gap. Prevent a lapse in coverage by switching insurers before you cancel your Kemper policy.
Check for a cancellation fee. Find out if you have to pay a cancellation fee. Include it in your cost comparison to determine if switching companies is still the best choice for your budget.
Consider potential lost discounts. You may lose discounts that aren’t available from other insurance companies. Don’t forget to compare discounts when evaluating insurers to maximize savings and get the most out of your new policy.
Kemper Car Insurance Premiums vs. the Competition
The table below shows Kemper’s average rates and those of its closest competitors, according to our data.
Company ▲▼ | Average Monthly Premium ▲▼ | Compared to Kemper ▲▼ |
|---|---|---|
| Kemper | $222 | - |
| GEICO | $86 | -61% |
| Progressive | $124 | -44% |
| State Farm | $86 | -61% |
| Industry average | $134 | -40% |
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Kemper’s rates are well above the industry average and its competitors. GEICO and State Farm average rates are 61% less than Kemper, making them a good place to start when comparing auto insurance quotes.
Canceling Kemper Insurance FAQs
We answered Kemper customers’ most common questions when canceling their auto insurance policy.
Can you cancel Kemper auto insurance anytime?
Yes. Kemper allows you to cancel your auto insurance policy anytime. Depending on your situation, you may be eligible for a refund or need to pay a fee if you cancel midterm. Ask your Kemper agent for more details.
Does Kemper charge a cancellation fee?
Maybe. Kemper doesn’t advertise if it charges a cancellation fee. It’s common among high-risk insurance companies like Kemper to charge a fee if you cancel your car insurance policy midterm or use a finance company. Finance companies pay your entire premium up front, and you pay them back.
Is Kemper Insurance going out of business?
No. Kemper Auto is still available for high-risk drivers. It also offers life insurance through Kemper Life. But Kemper no longer offers home and auto insurance through its Kemper Personal Insurance brand.
Can you cancel Kemper auto insurance online?
Maybe. Check your policy’s terms and conditions to see if you can cancel online. If you can’t, contact Kemper customer service at 1 (800) 782-1020 or call your local Kemper agent.
Sources
Bureau of Transportation Statistics, “Transportation Consumer Price Index – December 2024,” accessed January 17, 2025.
Related articles
- Car Insurance Discount for First Responders: Top Companies, Potential Savings, and More
- How to Cancel Your AAA Car Insurance Policy in 5 Easy Steps
- How Many Cars Can You Have in Your Name?
- How to Cancel Your MAPFRE Car Insurance Policy in 5 Easy Steps
- How to Cancel Your Erie Car Insurance Policy in 5 Easy Steps
- How to Cancel Your NJM Car Insurance Policy in 5 Easy Steps
- How to Cancel Your Amica Car Insurance Policy in 5 Easy Steps
About Compare.com
Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
- All of Compare.com's content is written and reviewed for accuracy by a team of experienced writers and editors who are experts on the topics they cover.
- None of Compare.com's content is ever influenced by the companies and brands we partner with.
- Compare.com's editorial team operates independently of any of the company's partnership or business development interests. We publish unbiased information strictly for the benefit of our readers.
- All of the content you see on Compare.com is based on comprehensive analysis and all data is gathered and vetted from trustworthy sources.
Learn more about us, our team, and what makes us tick.
)
Mandy SleightInsurance Writer
Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
)
)
)
)
)
)