Kemper Co-Pilot is a free utility app designed for iPhone users who are policyholders with Kemper Auto. This app offers discounts on auto insurance and allows users to earn rewards by demonstrating safe driving habits. It actively monitors driving behaviors such as speed, braking, and phone usage, encouraging users to adopt safer driving patterns, which can help reduce the risk of road accidents.

The app features include safe driving streaks, personalized tips for reducing driving risks, and rewards for achieving specific safe driving milestones. Additionally, users can engage with a leaderboard to compare their driving behavior with others. However, it is important to note that availability and certain features may be limited based on the user's state and underwriting company.