Compare Progressive vs. Kemper Insurance

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Which Company Will Save You the Most Money?

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Kemper and Progressive are two big names in the auto insurance world. Kemper was founded in 1990, Progressive was founded, 60 years prior, in 1937. Kemper is best known for providing high-risk drivers with affordable auto insurance, while Progressive is well known for allowing customers to make their own prices. On the flip side, Progressive is known for excessive solicitations, and Kemper is known to raise auto insurance rates without advance notice. Still, both of these companies have excellent 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

  Progressive Kemper
Best If Progressive
  • You want discounts and coverage (even for your pet!) or good-driving rewards
Kemper
  • You have a flawed record but need affordable premiums
Worst If Progressive
  • You don’t want a lot of solicitations
Kemper
  • You want a fast claims process

Special Car Insurance Discounts

Progressive Kemper
Progressive

Name Your Price Tool

Progressive’s Name Your Price tool lets you choose the best insurance product for you based on your financial abilities. Finding which insurance policy best fits your budget can be done with the Name Your Price tool in three simple steps.

  1. Name your price: Tell Progressive your preferred monthly premium for car insurance.
  2. Review: Progressive will generate a policy that closely aligns with your price preferences. In addition, it will highlight any areas where you may fall short on coverage.
  3. Purchase: Now that you have the perfect policy, you can buy it and get the savings as well as the protection you need.

Snapshot with Progressive
Snapshot is a small device that plugs into your car’s ODB-II port. It turns on every time you turn on the engine in your car. Once Snapshot installs, it records your driving habits whenever you’re behind the wheel. It then uses what it learns from your driving to determine if you should be paying less for car insurance. Snapshot is a great way for individuals to save money. All you have to do is drive smart. To find out more about Snapshot or purchase one, click here.

Kemper

Standard Car Insurance Discounts

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

Consumer Complaint Data

Progressive Car Insurance Kemper Insurance
2016 77 14
2015 153 19
2014 102 13
2013 34 14

U.S. Auto Insurance Shopping Study (2016)

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

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

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

Financial Strength Ratings

Progressive Car Insurance Kemper Insurance
A.M. Best A+ A-
Moody's Aa2 --
S&P's AA A-

Mobile Apps

Progressive Kemper
Progressive

The Progressive App for iPhone or Android stores all your important information regarding your auto insurance policies. The app lets you access your insurance ID cards, policy details, and allows you to make claims or payments. Additionally, The Progressive App connects you with your agent or claims representative, and offers you 24/7 roadside assistance. You can 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

Progressive Kemper
Progressive

Progressive Emergency Roadside Assistance

Progressive Emergency Roadside Assistance is available to drivers who have experienced non-accident related car trouble.

Roadside Services Covered

  • Towing within 15 miles or the nearest repair facility
  • Winching
  • Battery or Jump Start
  • Gas delivery
  • Locksmith service
  • Tire change
  • On scene labor

Note: the number of roadside events Progressive covers in a six-month period may not exceed your policy limit in order for coverage to apply.

Contact Phone Number

Progressive’s Roadside Assistance is available by calling 1 (800) 776-2778. Its website is here.

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