Compare Esurance vs. Kemper Insurance

Esurance and Kemper are two widely-used insurance companies with their respective policies and discounts on auto insurance. Esurance was founded in 1999, while Kemper was founded in 1990. Both companies rank well for financial strength as well as offer a lot of discounts.

However, consumers have complained about Kemper raising their premiums, and Esurance consumers have criticized the company for its faulty roadside assistance and limited payment options. Still, many customers like Kemper for its low premiums for high-risk drivers, and Esurance comes out strong for J.D. Power ratings, a strong online platform, and good customer service.

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

  Esurance Kemper
Best If Esurance
  • You want low rates, straightforward prices, and strong online tools
Kemper
  • You have a flawed record and need affordable rates
Worst If Esurance
  • You want excellent roadside assistance
Kemper
  • You want a fast claims process

Compare Insurance Prices

Comparing quotes is the best way to get the lowest rates from top insurers like Esurance and Kemper. QuoteWizard is an independent company that helps you find the right policy at the best rate.

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Special Car Insurance Discounts

Esurance Kemper
Esurance

There are a few discounts unique to Esurance that stand out. We’ll provide you with more information on these discounts below.

Fast 5 Discount

This discount gives you 5 percent off of your first-term premium for auto insurance. All you have to do to get this discount is start a quote online at esurance.com.

Paid-in-Full Discount

This discount saves you 10 percent off your premium if you pay the full amount instead of monthly payments.

Switch & Save Discount

This discount saves you up to 5 percent off your premium for the first two policy terms. You can get this discount when you switch to Esurance from your current insurer.

Emergency Road Assistance Discount

You can get this discount when you buy emergency road assistance from a different provider like AAA. It can can save you up to 5 percent on your premium.

Pac-12 Discount

You can get this discount if you attended or are an alum of a Pac-12 school. Find out more about this unique discount here.

Kemper

Standard Car Insurance Discounts

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

Consumer Complaint Data

Esurance Auto Insurance Kemper Insurance
2016 48 14
2015 67 19
2014 47 13
2013 43 14

U.S. Auto Insurance Shopping Study (2016)

Esurance Auto Insurance Kemper Insurance
Overall Purchase Experience Average
Policy Offerings Average
Pricing Average
Local Agent Average
Call Center Representative --
Insurer Website Among the best

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

Esurance Auto Insurance Kemper Insurance
Overall Satisfaction Below average
First Notice of Loss Below average
Service Interaction Below average
Appraisal Below average
Repair Process Below average
Rental Car Experience Below average
Settlement Below average

Financial Strength Ratings

Esurance Auto Insurance Kemper Insurance
A.M. Best A+ A-
Moody's -- --
S&P's -- A-

Mobile Apps

Esurance Kemper
Esurance

Esurance Mobile

This app lets you take care of your insurance anytime and anywhere. View your insurance ID cards, file a claim, track claim status, and pay your premiums directly from your mobile device. Esurance Mobile makes managing your insurance fast, smart, and easy. To download the app for iPhone or Android, click here.

Kemper

Kemper Photo/Express Inspection lets you submit photos of your vehicle damage after you file a claim. By uploading photos of your damages with the app, you’ll get faster claims service.

To download the app for Android, click here.

Roadside Assistance

Esurance Kemper
Esurance

Esurance Emergency Road Service coverage

Esurance offers free roadside assistance 24/7. The company pays up to $75 per incident toward:

  • Towing
  • Tire changes
  • Gas, oil, and water delivery
  • Battery services
  • Lockout service

Roadside assistance is free if you select comprehensive and collision coverage for a vehicle on your insurance policy.

Emergency Road Service offers free rescue tracking. It uses your smartphone to give the service provider your exact location. It will also give you updates on their ETA.

Emergency Road Service is only eligible for Esurance covered vehicles.

Roadside Assistance Phone: 1 (888) 374-6472

Kemper

Kemper Direct Roadside Assistance and Towing

Kemper Direct includes services like flat tire change or dead battery replacement. 

Direct Roadside Assistance works to service your broken down car. You can get it 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

Call 877.268.7416 for Roadside Assistance or Towing. Please have your membership card handy.