Compare Allstate vs. Kemper Insurance

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Allstate and Kemper are both insurance companies with their respective auto insurance policies and programs. Allstate was founded in 1931, while Kemper was founded in 1990. Compared to Allstate, Kemper falls short in a few areas: it lacks J.D. Power ratings and has a limited list of driver discounts. However, it is a good insurer for those with flawed driving records seeking low insurance premiums.

Allstate ranks higher financially and has more positive consumer reviews. Both offer roadside assistance, but Kemper’s services are once again quite limited.

So which one offers the kinds of discounts, services, and even customer ratings that best fit your car insurance wants and needs? Keep reading to find out.

Best If/Worst If

  Allstate Kemper
Best If Allstate
  • You want easy, online tools to access your account
Kemper
  • You have a flawed record but need affordable premiums
Worst If Allstate
  • You're looking for reasonably priced premiums
Kemper
  • You want a fast claims process

Special Car Insurance Discounts

Allstate Kemper
Allstate Kemper

Standard Car Insurance Discounts

Bundling Coverage Discounts Allstate Kemper
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features Allstate Kemper
Alternative Fuel
Electronic Stability Control (ESC)
Anti-Lock Brake
Anti-Theft
Passive Restraint
New Car
Economy Car
Utility Vehicle
Farm or Ranch Vehicle
Driving Record and Insurance History Allstate Kemper
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships Allstate Kemper
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances Allstate Kemper
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts Allstate Kemper
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

Allstate Insurance Kemper Insurance
2016 322 14
2015 460 19
2014 569 13
2013 530 14

U.S. Auto Insurance Shopping Study (2016)

Allstate Insurance Kemper Insurance
Overall Purchase Experience Below average
Policy Offerings Average
Pricing Below average
Local Agent Average
Call Center Representative Below average
Insurer Website Average

U.S. Auto Insurance Claims Satisfaction Study (2015)

Allstate Insurance Kemper Insurance
Overall Satisfaction Average
First Notice of Loss Average
Service Interaction Average
Appraisal Above average
Repair Process Below average
Rental Car Experience Above average
Settlement Average

Financial Strength Ratings

Allstate Insurance Kemper Insurance
A.M. Best A+ A-
Moody's Aa3 --
S&P's AA- A-

Mobile Apps

Allstate Kemper
Allstate

Allstate Mobile has all the information you need on policies and claims. You can download the app here, or text ALLSTATEAPP to 25788.

Drivewise Mobile makes the Allstate Drivewise discount even easier. The app collects information about your good driving habits and then rewards you for practicing safe driving. All you have to do is download the app, login, and start driving. Download the app here.

Digital Locker is another Allstate app that lets you create an inventory of all the items in your home. It then stores the information securely in the cloud. This app lets you keep a visual log of all your valuable items. Digital Locker makes managing personal items and property easy and quick. Download the app here.

GoodRide is a great app from Allstate for motorbike owners. It lets you input details about your bike as well as information about your route, time, and mileage each time you go out for a ride. GoodRide also keeps track of all your repairs and miles. Download GoodRide from Allstate here.

Allstate Motor Club offers 24/7 roadside assistance to its members. They can access any emergency service from their smartphones with just one touch. You have to first join Allstate Motor Club separately, but downloading the app is 100% free! Download the app here.

Kemper

Kemper Photo/Express Inspection is an app for your mobile device that lets you submit photos of your vehicle damage after you file a claim. By uploading photos of your damages through the app, you’ll get faster claims service as a result.

To download the app for Android, click here.

Roadside Assistance

Allstate Kemper
Allstate

Allstate offers three services that can help give you a hand when you run into trouble on the road. You can access help from your phone using GPS tracking and then follow the assistance on the map as it comes your way.

Allstate has 3 service options for drivers to choose from that offer different levels of service.

Allstate Motor Club - Platinum Elite Member $99/year

  • 24-Hour emergency service covered up to $250 per occurrence
    • Towing
    • Tire change
    • Gas delivery
    • Lockouts
  • Motorcycle & RV Coverage
  • $10,000 Theft/Hit and Run Protection
    • Will pay up to $10,000 to witnesses that provide information leading to the arrest of the thief or assailant
  • $2,000 Arrest Bond Certificate
    • If you’re detained by authorities for a moving violation, Allstate will post $2,000 bail to get you out of jail. Limitations on bail amount in certain states
  • $1,500 Trip Interruption Benefit
    • If your car breaks down away from home Allstate will cover lodging, meals and transportation
  • Free CARFAX Vehicle History Report ( typically cost $40)
  • Travel Savings & Discounts
    • Hotel
    • Car rental
    • Airline
    • Access Savings Mobile app. Lets you search for discounts near you

Good Hands Rescue

Open to everyone to use no policy or membership requirements. Use the app to select and locate service from a network of nationwide providers.

Good Hands Rescue app gives you:

  • GPS location to get service to you quicker
  • Real-time updates to give you an ETA of service arrival
  • Locate the nearest repair center

Roadside Services Included

    Towing
  • Gas delivery
  • Jump-starts
  • Lockouts
  • Tire changes

Towing & Labor Coverage

Can be purchased as additional coverage on your Allstate insurance policy.

Basic services include

  • Towing
  • Lockouts
  • Fuel Delivery
  • Tire Changes
  • Jump-starts
Kemper

Kemper Direct Roadside Assistance and Towing

Kemper will give you the help you need when you’re out on the road with multiple services such as flat tire change or dead battery replacement. 

Direct Roadside Assistance works to service your broken down vehicle. It's purchased through your existing auto insurance policy. Towing services are reimbursed by filing a claim for towing costs.

Services Covered

  • Towing
  • Replace Flat Tire With Spare
  • Gas Delivery
  • Lockout Service

Contact Phone Number

Please have your Roadside Assistance Membership Card handy and call 877.268.7416 to arrange for Roadside Assistance or Towing