Why Did My Kemper Insurance Go Up?

If your Kemper or Infinity car insurance went up, the records show large increases in 2022 and 2023 and smaller ones since: in California, Infinity Insurance Company, the state Department of Insurance and a consumer group agreed in a 2023 settlement that overall increases of 26.1% and 34% on two auto lines were supportable, and in Texas, Infinity County Mutual Insurance Company filed increases of up to 18.7% in 2022 and of 4.2% and 2.5% in March 2026 ^{1 2}. Kemper also reported that higher claim severity and frequency in California weighed on its personal auto results in the first half of 2026 ⁹.

Each of those percentages is an average across a company's existing policyholders on that program, not a forecast for any one bill. If your own renewal rose, the cause may be the company and program on your policy, or a change in your driving record, vehicle, address or coverage. This page lays out what the records show. We are not affiliated with the insurers named.

Infinity Property and Casualty Corporation was a separate company until July 2, 2018, when it became a wholly owned subsidiary of Kemper Corporation ⁶. Kemper now runs its auto business under the Kemper Auto brand in 22 states, and California, Florida and Texas made up 63%, 16% and 11% of that business's premiums in 2025 ⁴. It describes its personal auto customers as drivers who have had difficulty getting standard or preferred insurance, usually because of their driving records, claims or payment history ⁴.

Several legal companies sit behind the brand. Kemper's list of subsidiaries includes Infinity Insurance Company, Infinity Auto Insurance Company and other Infinity companies, Infinity County Mutual Insurance Company in Texas (marked as an entity that may be deemed an affiliate), Alliance United Insurance Company in California, and American Access Casualty Company ⁵. Kemper bought American Access, which sold specialty auto insurance in Arizona, Illinois, Indiana, Nevada and Texas, on April 1, 2021 ⁷. The company named on your declarations page is the one whose rates apply to you.

California's Department of Insurance reviews auto rate applications before they take effect, and its records show the size of Infinity's request. On January 19, 2023, Infinity Insurance Company filed for rate increases with overall rate impacts of 26.1% for its Special auto line and 34% for its RSVP auto line ¹. Consumer Watchdog petitioned for a hearing, and the company, Consumer Watchdog and the department then signed a settlement stipulation ¹.

The stipulated figures equal the requested ones: the parties agreed that overall increases of 26.1% and 34% were "supportable" and would be implemented for policies effective August 4, 2023, in accordance with the stipulation, the updated application and the Commissioner's approval in SERFF, the filing system ¹. The company also agreed that any new rate increase application for those two lines filed before August 4, 2024 would take effect no earlier than that date ¹.

Texas does not set auto rates; insurers file them with the Texas Department of Insurance (TDI). TDI describes a filing's percent change as the estimated impact on existing policyholders, a "pending" filing as one TDI is still reviewing and a closed filing with the closed type "Reviewed" as one TDI reviewed and closed ³. That is TDI's wording, not an approval.

Infinity County Mutual Insurance Company usually files in pairs under the product name "Infinity Personal Auto Programs." These are its personal auto filings since 2022 with a nonzero change, newest first, plus the two newest filings ²:

Each filing has its own SERFF tracking number; the March 2026 pair is NFNT-134880014 (4.2%) and NFNT-134880157 (2.5%) ². On October 31, 2023 the company also made two 0.0% filings under the same product name, with a January 6, 2024 renewal date ². TDI's data does not say which customers each filing covers. A Texas Infinity customer who renewed through the 2022 and 2023 filings may have seen several increases stack up. TDI says a 0% change means only rules or other items that do not affect the premium changed, or that the overall effect on policyholders is zero ³.

Kemper's annual reports give its explanation for the business as a whole. In 2022, its specialty personal auto line incurred losses and claim expenses equal to 90.3% of earned premiums, before other costs, and its specialty insurance segment reported an adjusted net operating loss of $147.4 million ⁸. Kemper said claim severity rose with inflation and supply chain constraints, and that it raised rates and cut back new business to improve profitability ⁸. In 2023 the auto loss ratio improved to 87.4%, which the company attributed to higher average earned premiums from rate increases and fewer claims ⁸.

Rate increases continued. Kemper says higher average earned premiums per exposure "resulting from rate increases" drove its personal auto premium growth in 2025, with average earned premium per exposure up 10.1%, while higher claim severity and frequency, mainly on bodily injury and property damage coverages, pushed its underlying auto loss ratio to 77.2% from 69.6% ⁴. In the first half of 2026 that ratio rose to 85.9% from 71.2% a year earlier, which Kemper attributes to higher claim severity and frequency, primarily on bodily injury coverages in California, and to a Florida refund ⁹.

Florida is moving the other way. Kemper says it has had lower personal auto loss costs in Florida since the state's 2023 insurance reform, and that it concluded its Florida personal auto profit for the three years through 2025 will probably exceed the limit in a Florida statute ⁴. It recorded a $35.0 million reduction to earned premiums in late 2025 and says the statute requires the excess to be returned to policyholders active as of December 31, 2025, with credits expected in 2026 ⁴.

• A different company or program. Kemper sells through several companies and programs, each with its own filings ^{2 5}.
• Your record changed. A new at-fault accident, claim or ticket can add a surcharge. See how tickets and accidents affect car insurance.
• Your vehicle or drivers changed. Adding a car or driver can raise the bill.
• You moved. Rates vary by ZIP code.
• A discount ended. See why discounts disappear at renewal.
• Timing. A rate change reaches each policy only at its first renewal on or after the effective date.

1. Find the insurer's name on your declarations page: Infinity Insurance Company, Infinity County Mutual Insurance Company, Alliance United Insurance Company, American Access Casualty Company or another Kemper company.
2. Compare the renewal with last term line by line. Our guide to reading a renewal notice shows where to look.
3. Ask your agent what changed: drivers, vehicles, coverages, discounts or the program.
4. Look up the filing. Our explainer on what a rate filing is covers how to read one. See the California, Florida, Texas and Arizona pages, or the states hub, for how rates work where you live.
5. Compare quotes from several insurers before the renewal date. You can compare quotes here.
6. Contact your state insurance department with questions about how your policy was rated.

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For causes that apply at any insurer, see why car insurance goes up and why car insurance goes up with no accident. Drivers who need a state filing can read what an SR-22 is.

• ¹ Official record: California Department of Insurance settlement stipulation in file PA-2023-00003, for the January 19, 2023 filing date, the 26.1% and 34% requested and stipulated increases, the August 4, 2023 effective date and the one-year limit on new increases, checked October 14, 2026.
• ² Official record: TDI's public rate filing data on data.texas.gov for Infinity County Mutual Insurance Company (received dates, products, SERFF tracking numbers, percent changes, renewal effective dates, status and closed type), checked October 14, 2026.
• ³ Official record: TDI's rate filing page defining percent change, pending and closed status, the "Reviewed" closed type and a 0% change, checked October 14, 2026.
• ⁴ Official record: Kemper Corporation's 2025 Form 10-K, for the Kemper Auto brand, the 22 states and state premium shares, the 10.1% rise in average earned premium per exposure, the 77.2% and 69.6% underlying loss ratios and the $35.0 million Florida profit-limit reduction, checked October 14, 2026.
• ⁵ Official record: Exhibit 21 to Kemper's 2025 Form 10-K, for the list of Kemper subsidiaries, checked October 14, 2026.
• ⁶ Official record: Kemper's Form 8-K on the July 2, 2018 completion of the Infinity merger, checked October 14, 2026.
• ⁷ Reported: Kemper's April 1, 2021 release on closing the American Access Casualty Company acquisition and that company's states, checked October 14, 2026.
• ⁸ Official record: Kemper Corporation's 2023 Form 10-K, for the 2022 and 2023 personal auto loss ratios of 90.3% and 87.4%, the $147.4 million 2022 segment loss and the company's explanation of rate increases and underwriting actions, checked October 14, 2026.
• ⁹ Official record: Kemper Corporation's Form 10-Q for the second quarter of 2026, for the 85.9% and 71.2% underlying personal auto loss ratios and the stated causes, checked October 14, 2026.