Compare American National vs. Kemper Insurance

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Two top-rated companies in insurance world are American National and Kemper. American National was founded in 1905, and Kemper was founded in 1990. While American National is best if you want a variety of insurance products to choose from, Kemper is best if you are high-risk driver looking for affordable premiums. On the flip side, Kemper prolongs the claims process and American National is difficult to navigate. Still both of these companies have A+ ratings from the Better Business Bureau and excellent financial strength. 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

  American National Kemper
Best If American National
  • You want a wide variety of auto/other insurance options, such as boat insurance
Kemper
  • You have a flawed record but need affordable premiums
Worst If American National
  • You want to use their website as your #1 point of reference; American National doesn’t provide abundant information on their products on the website
Kemper
  • You want a fast claims process

Special Car Insurance Discounts

American National Kemper
American National

The Fresh Start discount is offered to those who apply for a policy with American National before their current one expires. With this discount, you can save money on your first six months of coverage.

The Association discount gets you 10 percent off your premiums if you’re a member of certain national and local auto clubs.

Cashback is an American National program that is available to those who insure both their vehicles and home with American National. In addition, they must remain claim free for three consecutive years. At that point, American National sends a check that includes 25 percent of the total home and auto premiums you paid the last three years. Every year after that you remain claim free, you’ll receive a check as well.

The Three Line discount is offered when you insure your vehicle, home, and life with American National.

The Collector’s discount becomes greater which each collector vehicle added to your account. You can earn up to 85 percent on your discount, and one vehicle must have liability coverage.

Kemper

Standard Car Insurance Discounts

Bundling Coverage Discounts American National Kemper
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features American National 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 American National Kemper
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships American National Kemper
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances American National Kemper
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts American National Kemper
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

American National Car Insurance Kemper Insurance
2016 1 14
2015 0 19
2014 1 13
2013 0 14

U.S. Auto Insurance Shopping Study (2016)

American National Car Insurance Kemper Insurance
Overall Purchase Experience
Policy Offerings
Pricing
Local Agent
Call Center Representative
Insurer Website

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

American National Car Insurance Kemper Insurance
Overall Satisfaction
First Notice of Loss
Service Interaction
Appraisal
Repair Process
Rental Car Experience
Settlement

Financial Strength Ratings

American National Car Insurance Kemper Insurance
A.M. Best A A-
Moody's -- --
S&P's A A-

Mobile Apps

American National Kemper
American National

Insured2Go is ANPAC’s mobile app. The app allows you to report or track claims, review your policy information, direct access to roadside assistance, locate nearby repair shops, pay your premiums, and much more.

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

American National Kemper
American National

Easy Tow Roadside Assistance from ANPAC

Easy Tow roadside assistance program will dispatch service to you immediately. ANPAC (American National Property and Casualty) will pay for the service fee, up to the limits of you car insurance policy for roadside assistance. Call Easy Tow or access ANPAC's iPhone app Insured2Go to get service dispatched to you.

Roadside Assistance Services Covered

  • Tire change
  • Gas delivery
  • Lockouts
  • Towing
  • Jump start
  • Winching

Contact Phone Number

With roadside assistance coverage, all you have to do is call 1 (866) Easy Tow (1 866-327-9869). 

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