Compare Travelers vs. Kemper Insurance

Two well known insurance companies in the industry are Kemper and Travelers. Travelers is one of the oldest insurance companies, founded in 1864, over 126 years before Kemper, which wa founded in 1990. Kemper is best for customers with a bad driving record looking for affordable insurance rates, while Travelers is best for customers needing flexible payment plans or GAP coverage. On the flip side, Travelers lacks helpful customer service and enough information on their website. Whereas, Kemper has a habit of raising insurance rates without advanced notice. Still, both companies have A+ ratings from the Better Business Bureau. 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

  Travelers Kemper
Best If Travelers
  • You need flexible payment plans or GAP coverage
Kemper
  • You have a flawed record and need affordable rates
Worst If Travelers
  • You value customer satisfaction or a strong website
Kemper
  • You want a fast claims process

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Special Car Insurance Discounts

Travelers Kemper
Travelers

Travelers IntelliDrive Program

If you are a low-mileage driver, you can save money on your auto insurance policy with IntelliDrive. Once you sign up, you receive a small device that you plug in under your car’s dashboard. For about 60 to 90 days, you drive with the IntelliDrive device, and then return it to Travelers. From there, the company assesses your mileage discounts and gives you any rewards you are eligible for receiving.

Hybrid/Electric Vehicle Discount

Owning a hybrid or electric car helps save energy and help the environment. If you drive one of these vehicles, you can save up to 10 percent on your auto insurance with Travelers. It’s how the company rewards customers who decide to have a positive impact on the environment by owning one.

Kemper

Standard Car Insurance Discounts

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

Consumer Complaint Data

Travelers Auto Insurance Kemper Insurance
2016 34 14
2015 46 19
2014 29 13
2013 165 14

U.S. Auto Insurance Shopping Study (2016)

Travelers Auto Insurance Kemper Insurance
Overall Purchase Experience Above average
Policy Offerings Average
Pricing Above average
Local Agent Average
Call Center Representative Above average
Insurer Website --

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

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

Financial Strength Ratings

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

Mobile Apps

Travelers Kemper
Travelers

Travelers Mobile is the insurance company’s basic website consolidated onto a mobile-friendly platform. Access right from your mobile phone your insurance policy details, information on current claims you’ve filed, and pay your insurance premiums. You can download the app 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

Travelers Kemper
Travelers

Travelers Roadside Assistance

Travelers Roadside Assistance if offered at two levels of coverage ranging from basic to premium.

Basic Roadside Assistance

Services covered

  • Towing up to 15 miles
  • Battery service
  • Fuel delivery
  • Tire change
  • Lockout assistance

Premier Roadside Assistance

Covers all services in the basic package and:

  • Trip Interruption Coverage

If you're stranded and need a rental car Travelers will reimburse you for $200 a day. But only if you break down over 100 miles from home.

  • Personal Property coverage

Up to $500 limit for items damaged or stolen in the breakdown or incident.

Contact Phone Number

Travelers’ Roadside Assistance is available by calling 1 (877) 252-4633. Its website is here.

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.