Compare GEICO vs. Kemper Insurance

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Kemper and GEICO are two well-known companies in the insurance industry. Kemper was founded in 1990, and GEICO was founded in 1936. GEICO was rated the #1 auto insurer for 2016, and has impeccable customer service as well as a wide range of driver discounts. On the flip side, Kemper offers affordable premiums for high-risk drivers, and has a good umbrella policy options. Though GEICO is missing some basic coverage and discount options, Kemper has a slow claims process and is known to raise its clients’ premiums without advance notice. Still, both companies have good 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

  GEICO Kemper
Best If GEICO
  • You want great customer service and low premiums
Kemper
  • You have a flawed record but need affordable premiums
Worst If GEICO
  • You want other products aside from car and motorcycle insurance (other products offered through third parties)
Kemper
  • You want a fast claims process

Special Car Insurance Discounts

GEICO Kemper
GEICO

GEICO offers a number of discounts for its auto, truck, and motorcycle insurance policyholders and their families. Some of the discounts include:

  • Vehicle Equipment discounts
    • Air bags, anti-lock brake system, anti-theft system, and daytime running lights discounts
  • Driving History and Habits discounts
    • Five-year accident-free good driver and seatbelt use discounts
  • Driver’s Education discounts
    • Defensive driving, driver’s ed, and good student discounts
  • Driver Affiliations
    • Emergency deployment, military, membership/employee discounts, or federal employee status discounts
  • Customer Loyalty discounts
    • Multi-car, multi-policy/line (bundling) discounts
Kemper

Standard Car Insurance Discounts

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

Consumer Complaint Data

GEICO Car Insurance Kemper Insurance
2016 144 14
2015 283 19
2014 267 13
2013 188 14

U.S. Auto Insurance Shopping Study (2016)

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

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

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

Financial Strength Ratings

GEICO Car Insurance Kemper Insurance
A.M. Best A++ A-
Moody's Aa1- --
S&P's AA+ A-

Mobile Apps

GEICO Kemper
GEICO

The GEICO Mobile App provides customers easy access to their insurance policies. Its features include:

  • Digital ID Cards
    • Have your insurance cards stored on your phone for quick, easy access in case of emergency
  • Roadside Assistance
    • Contact GEICO direct from your mobile phone for help out on the road should you get a flat tire, have an accident, etc
  • Chat
    • Talk instantly to insurance agents with the chat feature anytime, and anywhere

Download the GEICO 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

GEICO Kemper
GEICO

GEICO Roadside Assistance With Emergency Road Service

GEICO Roadside Assistance With Emergency Road Service is a policy add-on that provides customer's with inexpensive towing and basic auto repairs. The service costs as little as $14 a year, per car and can assist motorists with:

Roadside Assistance Services Covered

  • Car battery jumping
  • Replacing flat tires with your spare
  • Bringing you gasoline if your tank's empty
  • Locksmith service (Up to $100)
  • Towing that's unrelated to an accident

Roadside Assistance With Emergency Road Service will only fix minor problems like these. However, if your car needs major work, you will be towed to a safe place where repairs can be made.

Contact Phone Number

GEICO’s Emergency Road Service is available through the company’s mobile app, or by calling (800) 443-7411.
Its roadside service website is here.

Using GEICO's mobile app is a great way to get help fast because of GPS. The GPS locator means GEICO can find you and send assistance even if you're not sure where you are.

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