Kemper vs USAA 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
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Insurify Composite Score

USAA
96
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Insurify Composite Score

Kemper VS USAA
Not Rated
96
What is this?
User Ratings
OptionsKemper USAA
Rating/Reviews
9 reviews
1,031 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsKemper USAA
Call Center Representative--Among the best
Insurer Website--Among the best
Local Agent--About average
Overall Satisfaction--Among the best
Policy Offerings--Among the best
Pricing--Among the best
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsKemper USAA
Claim Servicing--Better than most
Estimation Process--Better than most
First Notice of Loss (FNOL)--Among the best
Overall Satisfaction--Among the best
Rental Experience--Better than most
Repair Process--Among the best
Settlement--Better than most
J.D. Power Ratings by Region (out of 1000)
RegionKemper USAA
California--894 pt
Among the best
Central--906 pt
Among the best
Florida--888 pt
Among the best
Mid-Atlantic--896 pt
Among the best
New England--893 pt
Among the best
New York--900 pt
Among the best
North Central--905 pt
Among the best
Northwest--896 pt
Among the best
Southeast--894 pt
Among the best
Southwest--887 pt
Among the best
Texas--899 pt
Among the best
Mobile App Ratings
RegionKemper USAA
Android--
98,577 Reviews
iOS--
3,600 Reviews
Financial Ratings
OptionsKemper USAA
A.M. Best--A++
Fitch--AA+
Moody's--Aa1
Standard & Poor's--AA+

Auto Insurance Quotes

For Married Drivers

CityKemper USAA
Austin--$48
Chicago--$47
Philadelphia--$31
Phoenix--$39
Santa Monica--$50

For Single Drivers

CityKemper USAA
Austin--$61
Chicago--$69
Philadelphia--$41
Phoenix--$58
Santa Monica--$89

For Male Drivers

CityKemper USAA
Austin--$55
Chicago--$59
Philadelphia--$38
Phoenix--$52
Santa Monica--$82

For Female Drivers

CityKemper USAA
Austin--$54
Chicago--$57
Philadelphia--$35
Phoenix--$44
Santa Monica--$57

For Drivers with Speeding Ticket

CityKemper USAA
Austin--$73
Chicago--$85
Philadelphia--$45
Phoenix--$69
Santa Monica--$115

For Drivers with No Speeding Ticket

CityKemper USAA
Austin--$51
Chicago--$52
Philadelphia--$35
Phoenix--$44
Santa Monica--$59

For Drivers Age Between 18-40

CityKemper USAA
Austin--$61
Chicago--$71
Philadelphia--$42
Phoenix--$59
Santa Monica--$95

For Drivers Age Between 40-65

CityKemper USAA
Austin--$44
Chicago--$43
Philadelphia--$28
Phoenix--$35
Santa Monica--$49

For Drivers Age of 65+

CityKemper USAA
Austin--$71
Chicago--$66
Philadelphia--$46
Phoenix--$57
Santa Monica--$48

For Drivers with Average Credit

CityKemper USAA
Austin--$59
Chicago--$68
Philadelphia--$41
Phoenix--$51
Santa Monica--$68

For Drivers with Fair Credit

CityKemper USAA
Austin--$57
Chicago--$55
Philadelphia--$37
Phoenix--$46
Santa Monica--$55

For Drivers with Good Credit

CityKemper USAA
Austin--$45
Chicago--$47
Philadelphia--$32
Phoenix--$38
Santa Monica--$55

For Drivers with Excellent Credit

CityKemper USAA
Austin--$57
Chicago--$62
Philadelphia--$35
Phoenix--$57
Santa Monica--$99

Quotes & Discounts

Discount typeKemper USAA
Anti-Theft DeviceVariesUp to 20%
Anti-lock BrakeVariesVaries
Driving trainingVariesVaries
Good StudentVariesVaries
Home OwnerVaries--
Mature driverVaries--
Multiple PolicyVariesUp to 9%
Multiple VehicleVariesUp to 13%
Paid in fullVaries--
Passive RestraintVariesUp to 15%
Preferred paymentVaries--
Prior carrierVaries--
Student Away at SchoolVariesUp to 20%
Accident Forgiveness--Varies
Daytime Running Lights--Varies
Defensive Driver--Varies
Family--Up to 10%
Good Driver--Up to 10%
Low Mileage--Varies
Loyalty--Varies
Military--Up to 15%
New Car--Varies
Vehicle Storage--Up to 60%
teenSMART--Varies

Payment Methods

Discount typeKemper USAA
Automatic Online Payment
--yes
Credit Card Payment yes--
Debit Card Payments yes--
Mail Payment
yesyes
Mobile App Payments
--yes
Online Payment
yesyes
Phone Payment
yes--

Features and Services

Features and ServicesKemper USAA
24/7 service--yes
Flexible / convenient payments--yes
Mobile app--yes
Online account managementyesyes
Roadside assistanceyesyes
Text and email alertsyes--

Optional Coverages

Optional CoveragesKemper USAA
Accident Forgiveness
yesyes
Extended Coverage
--yes
Gap Insurance
yes--
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--

Uber and Lyft driver insurance

  • Kemper
  • USAA
  • Both

SR‌-22 Insurance by State

  • Kemper
  • USAA
  • Both

Compare Insurance Products

ProductKemper USAA
Personal Articles InsurancePersonal Articles Insurance--yes
Car InsuranceCar Insuranceyesyes
Aviation InsuranceAviation Insurance--yes
Boat InsuranceBoat Insurance--yes
Classic Car InsuranceClassic Car Insurance--yes
Collectibles InsuranceCollectibles Insurance--yes
Condo InsuranceCondo Insurance--yes
Dwelling Fire InsuranceDwelling Fire Insurance--yes
Farm InsuranceFarm Insurance--yes
Flood InsuranceFlood Insurance--yes
Home InsuranceHome Insuranceyesyes
Life InsuranceLife Insurance--yes
Mobile Home InsuranceMobile Home Insurance--yes
Motorcycle InsuranceMotorcycle Insurance--yes
Renters InsuranceRenters Insurance--yes
RV InsuranceRV Insurance--yes
Small Business InsuranceSmall Business Insurance--yes
Umbrella InsuranceUmbrella Insurance--yes

User Reviews

  • Kemper Reviews
  • USAA 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.