Compare Nationwide vs. Kemper Insurance

Kemper and Nationwide are two well-known companies in the world of insurance. Kemper was founded in 1990, and Nationwide was founded in 1925. Nationwide was ranked #2 in top auto insurers for 2016, has an excellent vanishing deductible program, low rates, and great customer service. Meanwhile, Kemper also provides affordable premiums for drivers with imperfect records, and has a good umbrella policy option. However, Nationwide’s online and mobile tools are subpar, and Kemper’s claims process is known to be slow and lengthy. 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

  Nationwide Kemper
Best If Nationwide
  • You want a fast and fair claims process
Kemper
  • You have a flawed record and need affordable rates
Worst If Nationwide
  • You want strong online or mobile services
Kemper
  • You want a fast claims process

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Special Car Insurance Discounts

Nationwide Kemper
Nationwide

Paperless Documents
Nationwide has a unique discount that saves customers money and saves the company (and the planet) paper. Going paperless simply means sending all the bills, or documents you’d otherwise receive in the mail over to e-mail. It’s an easy way to save paper and keep better track of your important insurance documents. Read more about this discount here.

Kemper

Standard Car Insurance Discounts

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

Consumer Complaint Data

Nationwide Auto Insurance Kemper Insurance
2016 53 14
2015 112 19
2014 90 13
2013 134 14

U.S. Auto Insurance Shopping Study (2016)

Nationwide Auto Insurance Kemper Insurance
Overall Purchase Experience Average
Policy Offerings Average
Pricing Average
Local Agent Average
Call Center Representative Average
Insurer Website Average

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

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

Financial Strength Ratings

Nationwide Auto Insurance Kemper Insurance
A.M. Best A+ A-
Moody's A1 --
S&P's A+ A-

Mobile Apps

Nationwide Kemper
Nationwide

The Nationwide Mobile App allows you to:

  • Pay your bills
  • File or view a claim
  • Get in touch with your agent
  • And much more. All with a single touch

To download the app, click here.

Nationwide Mobile Banking App can be downloaded to your web browser or your mobile phone. The app grants you access to your Nationwide bank accounts. It also lets you stay on top of your insurance related finances. You can deposit checks or pay insurance bills at home or by phone. For more information and to download the Mobile Banking App, 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

Nationwide Kemper
Nationwide

Nationwide Roadside Assistance

Nationwide Roadside Assistance offers two levels of coverage that apply to everyone on your policy. It doesn't matter who's car you might be in.

Nationwide Roadside Assistance Basic

Services covered:

  • Towing up to 15 miles
  • Winching
  • Gas delivery
  • Battery service
  • Lockout service up to $100
  • Tire replacement

Nationwide Roadside Assistance Plus

Covers all the services of the basic plan plus:

  • Towing up to 100 miles
  • Trip interruption coverage that will reimburse the cost

Contact Phone Number

Call 1 (800) 421-3535.

Its roadside service website is here. This service can help if you need a: locksmith, jumpstart, tire fixed, tow, or gas delivered.

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.