Kemper vs Nationwide Car Insurance

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4.8 Rating

2,700 Reviews

12 Million

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Last Updated: January 2022

Ratings

Insurify Composite Score

Kemper
Not Rated
What is this?

Insurify Composite Score

Nationwide
89
What is this?

Insurify Composite Score

Kemper VS Nationwide
Not Rated
89
What is this?
User Ratings
OptionsKemper Nationwide
Rating/Reviews
9 reviews
3,848 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsKemper Nationwide
Call Center Representative--The rest
Insurer Website--Among the best
Local Agent--Better than most
Overall Satisfaction--About average
Policy Offerings--Better than most
Pricing--About average
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsKemper Nationwide
Claim Servicing--About average
Estimation Process--Better than most
First Notice of Loss (FNOL)--Better than most
Overall Satisfaction--About average
Rental Experience--Better than most
Repair Process--Better than most
Settlement--About average
J.D. Power Ratings by Region (out of 1000)
RegionKemper Nationwide
California--796 pt
About average
Central--803 pt
The rest
Florida--793 pt
The rest
Mid-Atlantic--823 pt
The rest
New England--817 pt
About average
New York--806 pt
The rest
North Central--815 pt
The rest
Northwest--782 pt
The rest
Southeast--823 pt
About average
Southwest--805 pt
The rest
Texas--813 pt
The rest
Mobile App Ratings
RegionKemper Nationwide
Android--
1,829 Reviews
iOS--
40 Reviews
Financial Ratings
OptionsKemper Nationwide
A.M. Best--A+
Moody's--A1
Standard & Poor's--A+

Auto Insurance Quotes

For Married Drivers

CityKemper Nationwide
Austin--$73
Chicago--$184
Philadelphia--$87
Santa Monica--$96

For Single Drivers

CityKemper Nationwide
Austin--$99
Chicago--$183
Philadelphia--$96
Santa Monica--$231

For Male Drivers

CityKemper Nationwide
Austin--$84
Chicago--$185
Philadelphia--$90
Santa Monica--$215

For Female Drivers

CityKemper Nationwide
Austin--$88
Chicago--$182
Philadelphia--$93
Santa Monica--$112

For Drivers with Speeding Ticket

CityKemper Nationwide
Austin--$115
Chicago--$285
Philadelphia--$102
Santa Monica--$270

For Drivers with No Speeding Ticket

CityKemper Nationwide
Austin--$80
Chicago--$161
Philadelphia--$90
Santa Monica--$141

For Drivers Age Between 18-40

CityKemper Nationwide
Austin--$97
Chicago--$185
Philadelphia--$94
Santa Monica--$262

For Drivers Age Between 40-65

CityKemper Nationwide
Austin--$70
Chicago--$172
Philadelphia--$82
Santa Monica--$85

For Drivers Age of 65+

CityKemper Nationwide
Austin--$108
Chicago--$217
Philadelphia--$112
Santa Monica--$88

For Drivers with Average Credit

CityKemper Nationwide
Austin--$105
Chicago--$207
Philadelphia--$104
Santa Monica--$147

For Drivers with Fair Credit

CityKemper Nationwide
Austin--$87
Chicago--$185
Philadelphia--$91
Santa Monica--$117

For Drivers with Good Credit

CityKemper Nationwide
Austin--$70
Chicago--$197
Philadelphia--$90
Santa Monica--$106

For Drivers with Excellent Credit

CityKemper Nationwide
Austin--$83
Chicago--$144
Philadelphia--$80
Santa Monica--$285

Quotes & Discounts

Discount typeKemper Nationwide
Anti-Theft DeviceVariesUp to 5%
Anti-lock BrakeVaries--
Driving trainingVaries--
Good StudentVariesUp to 15%
Home OwnerVaries--
Mature driverVaries--
Multiple PolicyVariesUp to 25%
Multiple VehicleVariesUp to 20%
Paid in fullVaries--
Passive RestraintVaries--
Preferred paymentVariesVaries
Prior carrierVaries--
Student Away at SchoolVaries--
Accident Forgiveness--Varies
Accident Free--Varies
Affinity group--Varies
Defensive Driver--Up to 10%
Driving Habits--Varies
Family--Up to 25%
Farm Bureau--Up to 10%
Good Driver--Up to 10%
Organization--Up to 10%
Paperless documents--Varies
SmartRide--Up to 10%

Payment Methods

Discount typeKemper Nationwide
Automatic Online Payment
--yes
Credit Card Payment yesyes
Debit Card Payments yesyes
Electronic Check
--yes
Mail Payment
yesyes
Multi-Payment Installment Plans
--yes
Online Payment
yesyes
Person 2 Person Payment --yes
Phone Payment
yesyes

Features and Services

Features and ServicesKemper Nationwide
Online account managementyesyes
Roadside assistanceyesyes
Text and email alertsyes--

Optional Coverages

Optional CoveragesKemper Nationwide
Accident Forgiveness
yesyes
Antique or Collector Car Insurance
--yes
Gap Insurance
yesyes
New Car Replacement Coverage
yes--
Personal Auto Plus
yes--
Pet Coverage
yes--
Reconditioned Vehicle Program
yes--
Rental Reimbursement
yesyes
Roadside Assistance
yesyes
SR-22 Coverage
yes--
Vanishing Deductible
--yes

SR‌-22 Insurance by State

  • Kemper
  • Nationwide
  • Both

Compare Insurance Products

ProductKemper Nationwide
Car InsuranceCar Insuranceyesyes
Home InsuranceHome Insuranceyesyes
Life InsuranceLife Insurance--yes
Pet InsurancePet Insurance--yes

User Reviews

  • Kemper Reviews
  • Nationwide Reviews
2.1
5 Stars
22 %
3 Stars
11 %
1 Star
67 %

Most Helpful Review

By Jas
I had this insurance company and had a semi head on collide with me (he went into my lanr, ruled a DUI and then a passenger car rear ended me to finish off the crash, I was pregnant and taken to the hospital. The amount of times i had to call Kemper was unbelievable, and they still did not get the money owed by the other insurance companies involved AAA & State Farm. Those companies ignored me until i sent demand letters threatening lawsuits. Kemper will not help you.

Most Critical Review

By Jas
I had this insurance company and had a semi head on collide with me (he went into my lanr, ruled a DUI and then a passenger car rear ended me to finish off the crash, I was pregnant and taken to the hospital. The amount of times i had to call Kemper was unbelievable, and they still did not get the money owed by the other insurance companies involved AAA & State Farm. Those companies ignored me until i sent demand letters threatening lawsuits. Kemper will not help you.

All Reviews

Showing 1 - 9 out of 9 Reviews
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Read reviews that mention

Veronica
I signed up for this insurance when I got my first car and it was exciting times, unfortunately I got into an accident and the comfort and security that an insurance company is suppose to bring, was not something I was ever going to know. Kemper Infinity Auto has brought me the worst auto insurance experience I could have even imagined. While in the process of filling my claim, the adjuster assigned to my claim was let go; and the case was never reassigned- leaving it incorrectly inputted for months, which resulted in me paying thousands of dollar to my lien holder because this company does not care about the people they say they consider "family". To fix this situation, I, a paying customer had to connect three-way calls between each company and department because no one at this insurance company wanted to do their job of processing claims correctly. Now after a year I think my policy is over, because the contract I signed was for a year and I never authorized for them to automatically renew my policy- hell, I don't even have a car, but low and behold posted to my checking account is another charged from this company. So unless you like to be charged amounts you never agreed to, and then demand refunds that could've been avoided in the first place or you like forcing people to their jobs- don't use this company and learn from my mistake.
Tiffany
HORRIBLE! I would NEVER in this life nor the next suggest anyone gets insurance through them ! Was ran off the road and they waited until after the fact everything was done for me to get a rental to tell me I have to pay for the rental out of my own pocket. Once I agreed and paid well over 1300 for my rental I have yet to hear from anyone about getting my funds back after proof of me paying for my rental was sent to them several times ! The agents INCLUDING supervisors NEVER RETURN PHONE CALLS NOR EMAILS. They’re a piss off insurance company. Highly thinking about taking this to court
David N
Never use this company for your insurance needs. This is the parent-company for Infinity Insurance which has to be one of the worst insurance agencies in the United States. The customer service is horrible, half of the agents sound like they just woke up right before you called. God forbid that you ACTUALLY have an accident because this insurance company will have some of the worst service you receive. They made me wait 5-6 days for a tow truck to take my vehicle to a repair shop thats only 3 blocks away. They rarely answer the phones and when they finally do they make you feel like you're interrupting them and that its a hassle to serve you. Zero stars. Would not recommend.
Jas
I had this insurance company and had a semi head on collide with me (he went into my lanr, ruled a DUI and then a passenger car rear ended me to finish off the crash, I was pregnant and taken to the hospital. The amount of times i had to call Kemper was unbelievable, and they still did not get the money owed by the other insurance companies involved AAA & State Farm. Those companies ignored me until i sent demand letters threatening lawsuits. Kemper will not help you.
Samantha
Great service
Joshua
Joe
It. Is not 1 I didn't get a quote from you
Insurify User
Expensive
Insurify User
I was not at fault in this incident. My company advised me in how to handle requests from insurance company paying for the damages.

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.