Compare Farmers vs. Kemper Insurance

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Which Company Will Save You the Most Money?

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Kemper and Farmers are two big companies in the world of insurance. Kemper was founded in 1990, and Farmers was founded in 1928. While Farmers offers extensive policy and discount options, it's online and mobile tools are subpar. On the flip side, Kemper provides low rates for high-risk drivers and has a good umbrella policy option, but its claims process is lengthy. Still, Farmers is superior in financial strength and J.D. Power 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

  Farmers Kemper
Best If Farmers
  • You want a lot of coverage and vehicle discounts, or if you are accident-prone
Kemper
  • You have a flawed record but need affordable premiums
Worst If Farmers
  • You want slick online tools to manage your policy
Kemper
  • You want a fast claims process

Special Car Insurance Discounts

Farmers Kemper
Farmers

Farmers Inner Circle is an exclusive information hub for Farmers customers. It provides tips and resources for saving money on insurance and how to keep your premiums from increasing. 

Kemper

Standard Car Insurance Discounts

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

Consumer Complaint Data

Farmers Car Insurance Kemper Insurance
2016 167 14
2015 262 19
2014 237 13
2013 300 14

U.S. Auto Insurance Shopping Study (2016)

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

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

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

Financial Strength Ratings

Farmers Car Insurance Kemper Insurance
A.M. Best A A-
Moody's Aa3 --
S&P's A+ A-

Mobile Apps

Farmers Kemper
Farmers

The Farmers Insurance Mobile App helps customers manage their insurance on the go. With its quick access, you can instantly view ID cards, connect with your agent, and pay your monthly premiums in one place and with one touch. The app also lets you view the details of your coverage policy, get updates from a message center, and have instant access with a “Keep Me Logged In” feature. 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

Farmers Kemper
Farmers

Farmers Towing & Roadside Assistance

Covers roadside services up to $150

Services covered:

  • Emergency towing
  • Dead battery
  • Tire change
  • Lockout
  • Winching
  • Emergency roadside connect – to access police, fire, and medical assistance

Farmers Towing & Roadside Assistance works with over 20,000 road services facilities. If you choose to select your own roadside service that is out of Farmers network, you will have to file a claim for reimbursement up to $150.

Farmers’ Roadside Emergency Safety is available by calling 1 (800) 435 -7764. Its roadside service is available by clicking here. Its Roadside Emergency Safety program can help you with an emergency tow, jump start, flat tire, lockout assistance, roadside winching, and ambulance services. 

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