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Anyone comparing the Kemper Pennsylvania rate filing against alternatives should pull at least three quotes before renewal.
Drivers exposed to the Kemper Pennsylvania Rate increase have a window to compare quotes before the new pricing locks in at renewal.
About 5,530 PA drivers will pay an average of $194 more per year starting July 5, 2026
The Kemper Pennsylvania rate increase is 18.26%, and if you’re one of the roughly 5,530 drivers covered under this policy group, your bill is going up. The increase takes effect on policies renewing on or after July 5, 2026. The average driver will pay about $194 more per year, pushing the typical annual premium from $1,063 up to $1,257.
Across the book, Kemper will collect roughly $1.07 million in additional written premium each year because of this change. The best thing you can do right now is shop before your renewal date. Pennsylvania is a competitive auto insurance market, and other carriers have not all filed increases of this size at the same time.
Getting two or three quotes before July 5 could save you real ground on what you pay for the same coverage. Kemper is a mid-size national carrier that serves drivers who may have had trouble getting standard-market rates elsewhere. That customer base tends to carry higher claim costs, which partly explains why the company files larger-than-average rate changes.
Even so, an 18.26% jump is a big swing in a single filing. If your driving record has improved since you first got this policy, you may now qualify for better pricing from a competing carrier. The table above shows your current average premium, what it will be after July 5, and the annual difference. Read on for the full breakdown.
Average annual premium for affected drivers
| Current average | $1,063 |
|---|---|
| After rate change | $1,257 |
| Annual increase | +$194 (+18.3%) |
*Source: NFNT-134823816.pdf, p. 6 *
What the Kemper Pennsylvania Rate Increase Actually Changes
Kemper filed an 18.26% auto insurance rate increase in Pennsylvania, covering personal auto policies written under Infinity Select Insurance Company. The filing affects 5,530 policyholders in the state. The new rates apply to policies renewing on or after July 5, 2026.
If your renewal falls before that date, this filing does not hit you yet. Your next renewal after July 5 is when you’ll see the change.
The total dollar impact across all affected policyholders is $1,073,628 in additional written premium per year. That breaks down to an average increase of $194 per policy annually. The average premium before the change was $1,063 per year. After the increase, the average climbs to $1,257 per year .
Those are averages. Your specific increase depends on your policy type, coverage levels, vehicle, and driving history. Drivers carrying full coverage will likely see a larger absolute dollar change than drivers on a liability-only policy, since full coverage carries a higher base premium to begin with. But the 18.26% rate factor applies across the board to the affected policy group.
Pennsylvania is a state where auto rate filings go through regulatory review at the Pennsylvania Insurance Department before taking effect. The fact that this filing is moving toward a July 5 effective date means it has cleared, or is clearing, that process. Kemper filed this change because its current rates are not keeping up with what it’s paying out in claims.
That’s the short version. The longer version involves rising repair costs, medical costs tied to accident injuries, and claims severity trends that have pushed loss costs higher across the non-standard and specialty auto market. Kemper serves a segment of drivers who often don’t qualify for the lowest rates from the biggest carriers, and that segment tends to generate higher claim frequency.
When claim costs rise faster than premiums, carriers file to close the gap. An 18.26% increase is a significant correction, suggesting the gap had grown wide before this filing was submitted.
What This Means for You
If you renew with Kemper after July 5, 2026, your premium goes up an average of $194 per year. That’s about $16 more per month. For some drivers, the number will be smaller.
For others, it’ll be larger. Here’s how to think about where you might fall.
Drivers on a liability-only policy, which covers damage you cause to others but not your own car, start from a lower base premium. An 18.26% increase on a $700 annual policy adds about $128 per year. Drivers with full coverage, which adds collision and comprehensive, start from a higher base.
An 18.26% increase on a $1,400 annual policy adds closer to $255 per year. The filing’s average of $194 suggests the book sits somewhere in the middle, with a mix of coverage types across the 5,530 affected policyholders .
Your driving history also matters. If you have a recent at-fault accident or a violation on your record, your current premium is probably above the average $1,063. That means your dollar increase will also be above $194.
If you’ve had a clean record for the past three years and are still on this policy because you had a prior incident when you first signed up, this filing is a good trigger to shop. Your record may now look much better to another carrier’s underwriting model.
The timing matters too. If your renewal is in August or September, you have a few weeks after July 5 before the new rate shows up on your bill. Use that window.
Get quotes now, before your renewal notice arrives. Once Kemper sends your renewal at the new rate, you’re not locked in, but shopping takes time. Starting early gives you real options instead of a last-minute scramble. A $194-per-year increase is worth at least an hour of comparison shopping.
How Kemper Compares
Kemper operates in the non-standard and specialty auto market, which means it often insures drivers who’ve been turned away by bigger carriers or who’ve had trouble maintaining continuous coverage. That’s a different risk pool than what State Farm or GEICO typically cover, and it tends to produce higher loss ratios and bigger rate filings.
An 18.26% increase is well above the rate changes most standard-market carriers have filed in Pennsylvania over the past few years. Most large carriers in PA have filed increases in the 5% to 12% range during the recent hard market cycle. Kemper’s filing is on the high end of what Pennsylvania regulators have been seeing.
That doesn’t mean Kemper is the wrong carrier for you. It means their book of business in Pennsylvania has been generating more in claims than their old rates supported.
State Farm and GEICO are the two largest personal auto insurers in the country. Both serve standard-market drivers with clean-to-moderate records. If your record has improved, you may now fit their underwriting appetite.
Progressive is worth looking at too. Progressive is one of the few large carriers that explicitly markets to drivers with prior incidents, making it a direct Kemper competitor in the non-standard space. Progressive’s rates in Pennsylvania have also risen recently, but the company’s size and data advantage tend to produce more precise pricing, which can work in your favor if your recent record is clean.
Allstate is another option worth a quote. Allstate has filed its own increases in Pennsylvania, but the company has also been investing in telematics programs that reward low-mileage and safe-driving behavior. If you don’t drive a lot or drive at low-risk times of day, a telematics discount could offset some of what you’d otherwise pay.
None of these alternatives are guaranteed to be cheaper. But Kemper’s 18.26% increase is a strong signal that it’s time to check.
How to Save on Insurance
If you renew with Kemper after July 5, 2026, your premium goes up an average of $194 per year. Here are three actions tied directly to this filing.
- Shop before your renewal date. July 5 is when Kemper’s new rates kick in. Get at least two or three quotes before your renewal notice arrives. Progressive, GEICO, and State Farm all write personal auto in Pennsylvania and are worth contacting. Use the same coverage limits you have now so the quotes are comparable.
- Check your driving record before you shop. If you had an incident two or three years ago that put you in the non-standard market, it may have aged off your record now. Pull your motor vehicle report from PennDOT before you request quotes. A clean or near-clean record changes which carriers will write you and at what price. This filing is concentrated in a segment where past incidents drove placement at Kemper. If your profile has improved, standard-market carriers may now compete for your business.
- Ask about telematics if you’re a low-mileage driver. Several carriers active in Pennsylvania offer usage-based discounts that can run 10% to 20% off the base rate for drivers who log under 8,000 to 10,000 miles per year. If you work from home or drive mostly on weekends, that discount could more than cover the $194 increase you’d face staying with Kemper.
For a broader look at how Kemper stacks up against other options, see our carrier review page. For general advice on shopping auto insurance in Pennsylvania, visit our state guide. Kemper may still be your best option after you shop. But you won’t know until you check.
Sources
– Infinity Select Insurance Company – NFNT-134823816 – (NFNT-134823816.pdf)
Sources Used
- NAIC, 2023 Auto Insurance Database Average Premium Supplement: content.naic.org
- Insurance Information Institute, Facts + Statistics: Auto insurance: iii.org
- InsuranceRateGuard.com, 2026 quote runs across major U.S. auto carriers.
Fact-checked: 2026-05-16