Compare Amica Mutual vs. Kemper Insurance

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Amica Mutual and Kemper are two well known competitors in auto insurance industry. Amica Mutual was founded in 1907 and Kemper wasn’t founded until 1990. While Amica provides customers with a straightforward claims process, Kemper offers high-risk drivers affordable insurance premiums.

On the other hand, Kemper tends to prolong the claims process, and Amica Mutual has mediocre customer service. Still, both companies have a wide variety of discounts and both have excellent financial strength ratings.

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

  Amica Mutual Kemper
Best If Amica Mutual
  • You want a straightforward claims process
Kemper
  • You have a flawed record but need affordable premiums
Worst If Amica Mutual
  • You’re relying on impeccable customer service
Kemper
  • You want a fast claims process

Special Car Insurance Discounts

Amica Mutual Kemper
Amica Mutual

Legacy Discount is available to those under 30 and who have been with Amica under a family member’s insurance policy.

Anti-Theft Devices Discount is awarded to customers who install anti-theft devices like an alarm system, active or passive alarms, or vehicle recovery/tracking systems.

Electronic Stability Control Discount is available if your car has a factory-installed four-wheel electronic stability control system.

Platinum Choice Auto is another service offered by Amica that’s a bit more exclusive from the other discounts. With Platinum Choice, you can acquire multiple levels of security for your automobile all in one package. Some of the benefits of Platinum include being able to customize your package policy with individual coverage policies. These policies include Accident Forgiveness, Full Glass Coverage, Identity Fraud Monitoring, and Prestige Rental Coverage.

Kemper

Standard Car Insurance Discounts

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

Consumer Complaint Data

Amica Mutual Insurance Kemper Insurance
2016 29 14
2015 59 19
2014 66 13
2013 61 14

U.S. Auto Insurance Shopping Study (2016)

Amica Mutual Insurance Kemper Insurance
Overall Purchase Experience Above average
Policy Offerings Above average
Pricing Average
Local Agent Average
Call Center Representative Among the best
Insurer Website --

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

Amica Mutual Insurance Kemper Insurance
Overall Satisfaction Among the best
First Notice of Loss Among the best
Service Interaction Average
Appraisal Among the best
Repair Process Average
Rental Car Experience Below average
Settlement Among the best

Financial Strength Ratings

Amica Mutual Insurance Kemper Insurance
A.M. Best A++ A-
Moody's -- --
S&P's A A-

Mobile Apps

Amica Mutual Kemper
Amica Mutual

Amica Mobile lets you access the company’s website from your mobile device. From there, you can make payments, file and track claims, view and save insurance ID cards, and get quotes. You can download Amica Mobile 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

Amica Mutual Kemper
Amica Mutual

Amica Roadside Assistance

Roadside Assistance is available from Amica thru a Towing and Labor coverage add on to your current auto policy. Regardless if you're purchased Towing and Labor coverage, Amica roadside assistance can still help you get service to your vehicle.

Roadside Services Covered

  • Towing (non-accident related)
  • Changing flat tires
  • Jump-start battery
  • Delivering fuel
  • Unlocking doors

Contact Phone Number

You can reach roadside assistance at 866-286-9968 to receive help on the road almost instantly. 

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