Compare The Hartford vs. Kemper Insurance

x

Which Company Will Save You the Most Money?

Compare Rates From These Top Companies

Compare Rates

The Hartford and Kemper are two well-known companies in the world of auto insurance. The Hartford was founded in 1810, and Kemper was founded 180 years later in 1990. The Hartford is well liked because it’s partnered with the AARP, while Kemper is well liked because it offers practical rates to high-risk drivers.

On the flip side, Kemper prolongs the claims process, and The Hartford lacks learning resources on their website. Nonetheless, both companies have excellent financial strength. 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

  The Hartford Kemper
Best If The Hartford
  • You’re also an AARP member
Kemper
  • You have a flawed record but need affordable premiums
Worst If The Hartford
  • You want or need 24-hour customer support for more than just claim-related issues
Kemper
  • You want a fast claims process

Special Car Insurance Discounts

The Hartford Kemper
The Hartford

The Hartford offers multiple discounts to save you money on your auto insurance premium. These discounts include:

  • Bundle Insurance Savings discount
  • Anti-Theft Device discount
  • Air Bags discount
  • Defensive Driver Course discount
  • Vehicle Fuel Type discount
  • Driver Training discount
  • Good Student discount
Kemper

Standard Car Insurance Discounts

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

Consumer Complaint Data

The Hartford Car Insurance Kemper Insurance
2016 30 14
2015 72 19
2014 69 13
2013 67 14

U.S. Auto Insurance Shopping Study (2016)

The Hartford Car Insurance Kemper Insurance
Overall Purchase Experience Among the best
Policy Offerings Among the best
Pricing Among the best
Local Agent Average
Call Center Representative Average
Insurer Website Among the best

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

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

Financial Strength Ratings

The Hartford Car Insurance Kemper Insurance
A.M. Best A A-
Moody's A2 --
S&P's A A-

Mobile Apps

The Hartford Kemper
The Hartford

The Hartford Smartphone App for Auto and Home lets you manage your insurance policies directly and conveniently from your mobile device. You can store and view your ID cards, pay your premiums, and track any claims you’ve made. Even without having to log in, you’ll have access to roadside assistance as well as an emergency checklist. Also available is a repair service finder, replacement vehicle locator, insurance agent locator, and much more. To download the app for iPhone or Android, click 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

The Hartford Kemper
The Hartford

The Hartford Towing and Labor

Towing and Labor coverage is available on your existing auto insurance policy. It covers the tow and labor costs, but does not cover additional parts needed for repairs to the car.

The Hartford offers Towing and Labor coverage, which includes all the services that a standard roadside assistance package would have.

Services Covered

  • Towing
  • Tire repair
  • Battery service
  • Gas delivery

Contact Phone Number

For immediate roadside assistance/claims service, call 1 (800) 322-7789.

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