Compare Erie vs. Kemper Insurance

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Erie and Kemper are two fierce competitors in the insurance world. Erie was founded in 1925, and Kemper was founded in 1990. Erie is a preferred provider because of their amazing customer service, while Kemper is a preferred provider because of their practical insurance rates for high-risk drivers. On the other hand, Kemper has a habit of raising rates without advanced notice, and Erie’s rates are already on the expensive side. Nonetheless, Erie and Kemper have a wide variety of discounts 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

  Erie Kemper
Best If Erie
  • You want excellent customer service
Kemper
  • You have a flawed record but need affordable premiums
Worst If Erie
  • You want more affordable insurance premiums
Kemper
  • You want a fast claims process

Special Car Insurance Discounts

Erie Kemper
Erie

Other Discounts:

  • Safe Driving Course Discount
  • Driver Training Discount
  • Accident Prevention Course Discount
Kemper

Standard Car Insurance Discounts

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

Consumer Complaint Data

Erie Car Insurance Kemper Insurance
2016 43 14
2015 40 19
2014 35 13
2013 19 14

U.S. Auto Insurance Shopping Study (2016)

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

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

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

Financial Strength Ratings

Erie Car Insurance Kemper Insurance
A.M. Best A+ A-
Moody's -- --
S&P's A A-

Mobile Apps

Erie Kemper
Erie

eSSENTIAL Accessibility App is a free mobile app for you to use to navigate Erie Insurance’s website from your mobile device. It’s specifically geared for those with physical disabilities who have trouble navigating with a mouse. The app has keyboard and mouse replacement options and aims to empower the disabled community. To read more and download the app, click 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

Erie Kemper
Erie

Erie Emergency Road Service

Emergency Road Service coverage is offered as part of your existing car insurance policy. Road Service covers labor costs thru their nationwide roadside assistance partner Agero.

Service Covered

  • Towing
  • Flat tire
  • Battery service
  • Gas delivery

Contact Phone Number

Erie Emergency Road Service Hotline: (800) 367-3743

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