How Kemper (Infinity) Rates Auto Insurance

Kemper is a large specialty and nonstandard auto insurer that writes much of its business through the Infinity Auto brand, serving drivers who are harder to place with standard carriers. However it is marketed, its prices are set the same way as any carrier's - from a filed, regulator-approved rate manual. We pulled Infinity Auto Insurance Company's Georgia private-passenger auto rate manual and read it directly. Below is the base rate Kemper files for every coverage, every number transcribed by hand from the filing and cited to it.

Base rates are the one thing a single quote never shows you. Reading the filing exposes exactly what each coverage costs to start - before your age, record, vehicle, and territory are applied - so you can see which coverages drive the bill and how a nonstandard specialist like Kemper structures its pricing.

What a base rate actually is

A base rate is the annual starting price for a single coverage, before any rating factor is applied. Your real premium for that coverage is the base rate multiplied by a chain of factors - your driver class, territory, vehicle, prior insurance, credit, and any surcharges or discounts. So a base rate of $656.83 for bodily injury does not mean you pay $656.83; it means that figure is the anchor a clean, average-risk profile is measured from, moved up for higher risk and down for lower. Because Kemper writes a lot of nonstandard business - drivers with tickets, lapses, or thin credit - many of its policyholders see factors that multiply these anchors upward.

Publishing the base rates matters because they let you compare carriers at the most fundamental level. Two insurers can reach a similar quoted price from very different base rates and factor stacks; the one starting from a lower base rate has more room to reward a good profile, while a higher base rate signals a book of business the carrier expects to cost more. These eight numbers are that fundamental layer for Kemper's Georgia book.

Physical-damage coverage: collision versus comprehensive

On the physical-damage side, collision starts at $141.28 and comprehensive at $59.64 - collision is well over twice the comprehensive base rate. That ordering is universal across carriers and reflects claim frequency: collision pays to repair your own car in an at-fault crash, the most common and predictable physical-damage claim, while comprehensive covers less frequent events like theft, hail, fire, and animal strikes. Both are optional coverages, and both are typically required only while a car is financed or leased.

Seeing these two anchors side by side explains a common money-saving move: on an older, paid-off car, dropping collision saves far more than dropping comprehensive, because collision starts from more than double the base rate. Many drivers keep inexpensive comprehensive coverage (protecting against theft and weather) while dropping the pricier collision coverage once a car's value no longer justifies it - a decision the raw base rates make easy to reason about.

How the base rates fit together

Laid out together, Kemper's eight Georgia base rates tell a clear story: liability - and bodily injury especially - is the heart of the premium ($656.83 BI, $218.42 PD, $152.47 UM), collision is the expensive half of physical-damage coverage ($141.28 versus $59.64 comprehensive), and the optional extras are small ($56.49 medical, $20.00 rental, $26.90 roadside). Every one of these anchors is then multiplied by Kemper's filed factors for your specific profile, which is where a nonstandard specialist's pricing really differentiates - a driver with a recent violation or a coverage lapse can see those factors push the anchors well up.

That is the useful thing about starting from the base rates: they show the skeleton of the price before the factors dress it up, so you can reason about which coverages matter most and where trimming actually saves money. For most drivers the answer the base rates point to is the same - prioritize liability and uninsured-motorist limits, treat collision as the coverage worth revisiting as a car ages, and keep the small add-ons only if you value the convenience.

What this means when you shop

Kemper's Georgia filing shows the fundamental layer of a car insurance price - the base rate for every coverage - that a single quote hides. None of these anchors is your premium by itself, but seeing them lets you reason about which coverages drive the bill (liability and collision), which are cheap to keep or drop (comprehensive and the add-ons), and how a nonstandard specialist structures its pricing before factors apply. If you are a driver who has struggled to find standard coverage, Kemper's Infinity brand is built for you - but compare its filed rates against other nonstandard carriers with identical coverage, since each files its own base rates and factors, and the same profile can land very differently from one filing to the next.