Kemper Auto, formerly American Access Casualty Company, provides non-standard auto insurance coverage. Customers can pay premiums securely online via the Kemper Auto portal or as a guest, by phone, mail, or through doxo, with options for one-time or recurring payments to maintain continuous coverage.
Learn how to pay your Kemper Auto (American Access) bill, set up auto payments, view policies, and contact support using the official links below.
Kemper Auto – Make a Payment
Access the secure payment portal for credit/debit card or electronic check payments.
Guest Payment – Kemper Auto Customer Portal
https://customer.aains.com/payment-guest
Make a quick one-time payment without logging in—enter your policy number and policy holder’s date of birth.
Payment Options
1. Pay Online via Kemper Auto Portal
- Website: Visit payments.aains.com to register or log in.
- Features:
- One-time or recurring payments (monthly, quarterly).
- View balances, payment history, and policy details.
- Secure 24/7 access with instant processing and email confirmations.
- Payment Methods: Credit/debit card (Visa, MasterCard, Discover) or eCheck (ACH from checking/savings).
- Enrollment: Use your policy number and primary driver’s date of birth to verify; create an account for stored payment info.
- Fees: No processing fees for online payments.
2. Pay as Guest
- Website: Go to customer.aains.com/payment-guest.
- Process: Enter policy number and holder’s DOB, select payment amount, add card or bank details, and submit.
- Ideal for: Quick payments without account setup.
3. Pay Through Bank Bill Pay
- Use your bank’s online service to add Kemper Auto (American Access Casualty) as a payee.
- Instructions: Enter the company’s mailing address; schedule one-time or recurring transfers from your checking/savings account.
- Processing: 5-7 business days.
4. Pay By Phone
- Phone Number: Call (630) 570-7181 (billing inquiries) or 888-663-5443 (customer service).
- Accepted: Credit/debit card or eCheck.
- Available: Mon-Fri during business hours.
5. Pay By Mail
- Mailing Address: American Access Casualty Company (Kemper Auto), PO Box details on your statement (typically in Texas or Illinois).
- Instructions: Include payment coupon with check or money order (no cash); allow 7-10 days for processing.
6. Payment via doxo
- doxo.com: Pay with credit/debit card, Apple Pay, or bank account. Free for bank transfers; fees may apply for cards.
Account & Billing Support
- Customer Service Phone: 888-663-5443 (general support) or (630) 570-7181 (billing-specific); available Mon-Fri 8 a.m.-5 p.m. CT.
- Email: Use the secure message center in your online account.
- Address: Check your policy documents or website for regional offices.
FAQs
Is paying online safe?
Yes, Kemper Auto uses industry-standard encryption to securely process transactions and protect your financial data. It’s more secure than mailing paper checks.
When will my online payment be applied to my account?
Online payments are typically processed and applied to your account within 1-2 business days. Payments are posted date received, so pay early to avoid lapses in coverage.
Is there a fee to pay my bill online?
No, Kemper Auto does not charge any processing fees for online payments or account convenience fees.
Can I use a credit/debit card, checking account, or savings account to pay online?
Yes, you can safely pay your bill online using a credit card, debit card, or electronic check from a checking or savings account.
What if I enrolled in autopay but still received a late fee?
Contact Kemper Auto’s customer service line at 888-663-5443 immediately so they can investigate and reverse any incorrectly assessed late charges.
What do I do if my online payment won’t go through?
Double check that your payment details are entered correctly. Contact your bank or credit card company to ensure there are no holds on your account, then try processing the payment again or contact Kemper Auto for assistance.
Can I cancel a scheduled online payment?
Yes, just log into your Kemper Auto account and cancel the upcoming scheduled payment at least 3 business days before the due date to avoid the funds being withdrawn from your account.
Tips for Managing Your Kemper Auto Bill
- Set up automatic recurring payments through the portal to never miss a due date and maintain coverage.
- Save your payment details in your online account for one-click future payments.
- Opt for paperless billing during registration to receive email notifications for new statements.
- Update expired cards or billing info promptly via your account to prevent declines.
- Use guest pay for one-off needs, but create an account for full access to history and reminders.
- Contact support early for payment plans or assistance to avoid lapses.
Kemper Auto (formerly American Access Casualty) offers convenient, fee-free online bill pay—use the portal for secure, instant access!
