• Get Quote
    • Car Insurance
    • Home Insurance
    • About
    • Blog
    • Car Insurance Quotes
    • Average Cost of Car Insurance
    • Insights
    • Reports
  • Car Insurance Home Insurance About
    Resources
    • Blog
    • Car Insurance Quotes
    • Average Cost of Car Insurance
    • Insights
    • Reports
  • Start Saving
insurify
  • Start saving now

Kemper vs USAA Car Insurance

Compare quotes from 10+ companies in one place Compare Quotes

  Personalized quotes in less than 2 minutes.

  No signup required

Ratings

Insurify Composite Score Kemper
VS USAA
What's this?
Insurify Composite ScoreUSAA
What's this?
Compare Quotes
User Ratings
Options Kemper USAA
Rating/Reviews
Full Star Full Star Half Star Empty Star Empty Star
10 reviews
Full Star Full Star Full Star Empty Star Empty Star
1,647 reviews
U.S Auto Insurance Shopping Study (2018)
Options Kemper USAA
Overall Satisfaction -- Among the best
Policy Offerings -- Among the best
Pricing -- Among the best
Local Agent -- About average
Call Center Representative -- Among the best
Insurer Website -- Among the best
U.S Auto Insurance Claims Satisfaction Study (2018)
Options Kemper USAA
Overall Satisfaction -- Among the best
First Notice of Loss (FNOL) -- Among the best
Claim Servicing -- Better than most
Estimation Process -- Better than most
Repair Process -- Among the best
Rental Experience -- Better than most
Settlement -- Better than most
J.D. Power Ratings by Region (out of 1000)
Region Kemper USAA
Southwest --
887 pt
Among the best
Southeast --
894 pt
Among the best
Texas --
899 pt
Among the best
Central --
906 pt
Among the best
Mid-Atlantic --
896 pt
Among the best
New England --
893 pt
Among the best
Florida --
888 pt
Among the best
California --
894 pt
Among the best
New York --
900 pt
Among the best
North Central --
905 pt
Among the best
Northwest --
896 pt
Among the best
Mobile App Ratings
Brand Kemper USAA
iOS
--
Full Star Full Star Full Star Full Star Empty Star
3,600 reviews
Android
--
Full Star Full Star Full Star Full Star Half Star
98,577 reviews
Financial Ratings
Company Name Kemper USAA
A.M. Best -- A++
Standard & Poor's -- AA+
Fitch -- AA+
Moody's -- Aa1

Auto Insurance Quotes

For Married Drivers

City Kemper USAA
Austin -- $48
Chicago -- $46
Philadelphia -- $31
Phoenix -- $38
Los Angeles -- $49

For Single Drivers

City Kemper USAA
Austin -- $61
Chicago -- $69
Philadelphia -- $41
Phoenix -- $57
Los Angeles -- $88

For Male Drivers

City Kemper USAA
Austin -- $55
Chicago -- $59
Philadelphia -- $37
Phoenix -- $52
Los Angeles -- $81

For Female Drivers

City Kemper USAA
Austin -- $54
Chicago -- $56
Philadelphia -- $34
Phoenix -- $43
Los Angeles -- $56

For Drivers with a Speeding Ticket

City Kemper USAA
Austin -- $72
Chicago -- $84
Philadelphia -- $44
Phoenix -- $68
Los Angeles -- $114

For Drivers with No Speeding Ticket

City Kemper USAA
Austin -- $50
Chicago -- $52
Philadelphia -- $35
Phoenix -- $43
Los Angeles -- $59

For Drivers Age Between 18-40

City Kemper USAA
Austin -- $61
Chicago -- $71
Philadelphia -- $41
Phoenix -- $58
Los Angeles -- $95

For Drivers Age Between 40-65

City Kemper USAA
Austin -- $43
Chicago -- $42
Philadelphia -- $28
Phoenix -- $34
Los Angeles -- $48

For Drivers Age of 65+

City Kemper USAA
Austin -- $71
Chicago -- $66
Philadelphia -- $46
Phoenix -- $56
Los Angeles -- $48

For Drivers with Average Credit

City Kemper USAA
Austin -- $59
Chicago -- $67
Philadelphia -- $41
Phoenix -- $51
Los Angeles -- $67

For Drivers with Fair Credit

City Kemper USAA
Austin -- $56
Chicago -- $55
Philadelphia -- $36
Phoenix -- $46
Los Angeles -- $54

For Drivers with Good Credit

City Kemper USAA
Austin -- $45
Chicago -- $46
Philadelphia -- $32
Phoenix -- $38
Los Angeles -- $55

For Drivers with Excellent Credit

City Kemper USAA
Austin -- $57
Chicago -- $62
Philadelphia -- $34
Phoenix -- $56
Los Angeles -- $99

Quotes & Discounts

State Kemper USAA
Arizona $29/mo
--
California $33/mo
--
Colorado $43/mo
--
Illinois $29/mo
--
Indiana $32/mo
--
Missouri $37/mo
--
Nevada $35/mo
--
New Mexico $26/mo
--
Ohio $24/mo
--
Oklahoma $24/mo
--
Oregon $35/mo
--
Texas $40/mo
--
Utah $4/mo
--
Washington $79/mo
--
Discount Type Kemper USAA
Anti-Theft Device Discount
Varies
up to 20%
Mature driver discount
Varies
--
Multiple Policy Discount
Varies
up to 9%
Home Owner Discount
Varies
--
Preferred payment discount
Varies
--
Prior carrier discount
Varies
--
Paid in full discount
Varies
--
Passive Restraint Discount
Varies
up to 15%
Multiple Vehicle Discount
Varies
up to 13%
Driving training discount
Varies
Varies
Good Student Discount
Varies
Varies
Student Away at School Discount
Varies
up to 20%
Anti-lock Brake Discount
Varies
Varies
Vehicle Storage Discount
--
up to 60%
Military Discount
--
up to 15%
Family Discount
--
up to 10%
Good Driver Discount
--
up to 10%
Accident Forgiveness
--
Varies
Daytime Running Lights Discount
--
Varies
teenSMART Discount
--
Varies
New Car Discount
--
Varies
Loyalty Discount
--
Varies
Low Mileage Discount
--
Varies
Defensive Driver Discount
--
Varies
Compare Quotes

Payment Methods

Payment Type Kemper USAA
Online Payment Complete Tick Complete Tick
Credit Card Payment Complete Tick
--
Debit Card Payments Complete Tick
--
Mail Payment Complete Tick Complete Tick
Phone Payment Complete Tick
--
Mobile App Payments
--
Complete Tick
Automatic Online Payment
--
Complete Tick

Feature and Services

Features and Services Kemper USAA
Online account management Complete Tick Complete Tick
Roadside assistance Complete Tick Complete Tick
Text and email alerts Complete Tick
--
24/7 service
--
Complete Tick
Mobile app
--
Complete Tick
Flexible / convenient payments
--
Complete Tick

Optional Coverages

Coverage Type Kemper USAA
New Car Replacement Coverage Complete Tick
--
Gap Insurance Complete Tick
--
Rental Reimbursement Complete Tick Complete Tick
Roadside Assistance Complete Tick Complete Tick
Personal Auto Plus Complete Tick
--
Reconditioned Vehicle Program Complete Tick
--
SR-22 Coverage Complete Tick
--
Accident Forgiveness Complete Tick Complete Tick
Pet Coverage Complete Tick
--
Extended Coverage
--
Complete Tick

Insurance by State

  • Car Insurance
  • Life Insurance
  • Umbrella Insurance
  • Motorcycle Insurance
  • Renters Insurance
  • Home / Condo Insurance
  • 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
--
Complete Tick
  Boat Insurance
--
Complete Tick
  Car Insurance Complete Tick Complete Tick
  Classic Car Insurance
--
Complete Tick
  Collectibles Insurance
--
Complete Tick
  Condo Insurance
--
Complete Tick
  Dwelling Fire Insurance
--
Complete Tick
  Farm Insurance
--
Complete Tick
  Flood Insurance
--
Complete Tick
  Home Insurance Complete Tick Complete Tick
  Life Insurance
--
Complete Tick
  Mobile Home Insurance
--
Complete Tick
  Motorcycle Insurance
--
Complete Tick
  Personal Articles Insurance
--
Complete Tick
  RV Insurance
--
Complete Tick
  Renters Insurance
--
Complete Tick
  Small Business Insurance
--
Complete Tick
  Umbrella Insurance
--
Complete Tick

Popular Comparisons

  • Kemper vs State Farm
  • Allstate vs Kemper
  • GEICO vs Kemper
  • Farm Bureau Financial Services vs USAA
  • AARP vs USAA
  • GEICO vs USAA

User Reviews

  • Kemper Reviews
  • USAA Reviews
★ ★★ ★★
2.5
10 user reviews
5 Stars
11% Complete
11%
3 Stars
6% Complete
6%
1 Star
83% Complete
83%
Write a Review
Most Helpful Review
★ ★★ ★★
By Jas
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 Critical Review
★ ★★ ★★
By Jas
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.

★ ★★ ★★
2.8
1,647 user reviews
5 Stars
37% Complete
37%
4 Stars
5% Complete
5%
3 Stars
5% Complete
5%
2 Stars
7% Complete
7%
1 Star
47% Complete
47%
Write a Review
Most Positive Review
★ ★★ ★★
By Donna
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
★ ★★ ★★
By Roo
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.

insurify

Don't miss saving $400 on your car insurance

Compare Quotes

insurify Blog

10 Best & Worst Sites to Compare Car Insurance Quotes Car Insurance Calculator 10 Best & Worst Sites to Compare Home Insurance Quotes Cheap Car Insurance Quotes Car Insurance Quotes Average Car Insurance Cost
Blog Blog en español Blog in 中文 Press Do Not Sell My Data

Compare Car Insurance Companies

Car Insurance By City

Atlanta, GA Charleston, SC Charlotte, NC Chicago, IL Columbus, OH Dallas, TX Denver, CO Houston, TX Jacksonville, FL Las Vegas, NV Los Angeles, CA Memphis, TN Miami, FL Orlando, FL Philadelphia, PA Phoenix, AZ San Antonio, TX San Diego, CA Tampa, FL

Car Insurance By State

AK AL AR AZ CA CO CT DC DE FL GA HI IA ID IL IN KS KY LA MA MD ME MI MN MO MS MT NC ND NE NH NJ NM NV NY OH OK OR PA RI SC SD TN TX UT VA VT WA WI WV WY

© 2013-2021 Insurify, Inc. All rights reserved. Ensurify Insurance Agency is a licensed insurance agency in 50 states.