Quotes & Discounts
| Discount Type | Kemper | USAA |
|---|---|---|
| Low Mileage Discount |
--
|
Varies |
| Anti-Theft Device Discount |
Varies
|
up to 20% |
| Paid in full discount |
Varies
|
-- |
| Driving training discount |
Varies
|
Varies |
| TeenSmart Discount |
--
|
Varies |
| Preferred payment discount |
Varies
|
-- |
| Military Discount |
--
|
up to 15% |
| Multiple Vehicle Discount |
Varies
|
up to 13% |
| Passive Restraint Discount |
Varies
|
up to 15% |
| Loyalty Discount |
--
|
Varies |
| New Car Discount |
--
|
Varies |
| Prior carrier discount |
Varies
|
-- |
| Defensive Driver Discount |
--
|
Varies |
| Family Discount |
--
|
up to 10% |
| Student Away at School Discount |
Varies
|
up to 20% |
| Anti-lock Brake Discount |
Varies
|
Varies |
| Accident Forgiveness |
--
|
Varies |
| Good Student Discount |
Varies
|
Varies |
| Good Driver Discount |
--
|
up to 10% |
| Multiple Policy Discount |
--
|
up to 9% |
| Daytime Running Lights Discount |
--
|
Varies |
| Home Owner Discount |
Varies
|
-- |
| Vehicle Storage Discount |
--
|
up to 60% |
Insurance by State
- Kemper
- USAA
- Both
Uber and Lyft driver insurance:
- Kemper
- USAA
- Both
SR-22 Insurance by State
- Kemper
- USAA
- Both
Compare Insurance Products
| Product | Kemper | USAA |
|---|---|---|
 Aviation Insurance |
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 Boat Insurance |
--
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 Car Insurance |
|
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 Classic Car Insurance |
--
|
|
 Collectibles Insurance |
--
|
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 Condo Insurance |
--
|
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 Dwelling Fire Insurance |
--
|
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 Farm Insurance |
--
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 Flood Insurance |
--
|
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 Home Insurance |
|
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 Life Insurance |
--
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 Mobile Home Insurance |
--
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 Motorcycle Insurance |
--
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 Personal Articles Insurance |
--
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 RV Insurance |
--
|
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 Renters Insurance |
--
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 Small Business Insurance |
--
|
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 Umbrella Insurance |
--
|
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User Reviews
Most Helpful Review
It. Is not 1 I didn't get a quote from you
Most Critical Review
March 1, 2018
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 Positive Review
October 23, 2017
Rates are reasonable, customer service is knowledgeable, and they offer multiple services. They also paid quickly on a claim I filed.
Most Critical Review
December 19, 2018
I was a customer of USAA for years, then discovered that they had someone else's car on my policy (and had removed my car). When I spoke to them about it, they said that if they had to research it find out whose fault it is, that they would retroactively raise my rates for the past two years - even though my car is 4 years older than they can that was insured. Amazing how quickly the conversation turned from "lets see what's happening" to "we need to cover our ass and make this issue go away". This isn't doing what's right for the customer. As a result, I shopped them and discovered that I could get identical coverage with another national insurance carrier for half the annual cost.
October 27, 2017