Kemper KMPR Preferred Personal Automobile Insurance—Physical Damage — Year 1

Other product segments

Similar metrics at other companies

HIGPersonal automobile physical damage — 1st Year

93.3%+1.4pp

HMNAuto physical damage — Year One

95%—

HIGPersonal automobile physical damage — 2nd Year

4.4%-1.9pp

HIGCommercial automobile physical damage — 1st Year

80.7%+2.5pp

HIGPersonal automobile physical damage — 3rd Year

-0.2%-0.1pp

AFGProperty and casualty insurance — Year 1

52%-0.2pp

Questions, answered.

What is Kemper's preferred personal automobile insurance—physical damage — year 1?

Kemper (KMPR) reported preferred personal automobile insurance—physical damage — year 1 of 97.3% in Q4 2025.

How has Kemper's preferred personal automobile insurance—physical damage — year 1 changed year-over-year?

Kemper's preferred personal automobile insurance—physical damage — year 1 decreased by 0.1% year-over-year, from 97.4% to 97.3%.

What does preferred personal automobile insurance—physical damage — year 1 mean?

This represents the development of incurred losses for the preferred personal automobile physical damage segment at the end of the first year following the accident year. It serves as a key benchmark for early-stage claims estimation accuracy and loss ratio performance. Analyzing this data helps investors understand how quickly claims are reported and settled relative to the initial underwriting expectations.