Compare USAA vs. Kemper Insurance

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Kemper and USAA are two top-rated companies in the insurance world. USAA was founded in 1922, and Kemper was founded in 1990. While USAA is well liked for excellent customer service and seamless claims process, Kemper is liked for providing affordable insurance premiums to high-risk drivers. On the other hand, Kemper is has a habit of prolonging the claims process and USAA only offers insurance for military personnel and their family. Both, USAA and Kemper offer an abundant amount of discounts and 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

  USAA Kemper
Best If USAA
  • You (or a parent) are a member of the military, and customer service is very important to you
Kemper
  • You have a flawed record but need affordable premiums
Worst If USAA
  • You are not in the military, and do not have a parent who served in the military
Kemper
  • You want a fast claims process

Special Car Insurance Discounts

USAA Kemper
USAA Kemper

Standard Car Insurance Discounts

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

Consumer Complaint Data

USAA Car Insurance Kemper Insurance
2016 245 14
2015 415 19
2014 380 13
2013 270 14

U.S. Auto Insurance Shopping Study (2016)

USAA Car Insurance Kemper Insurance
Overall Purchase Experience Among the best
Policy Offerings Among the best
Pricing Among the best
Local Agent --
Call Center Representative Among the best
Insurer Website Among the best

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

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

Financial Strength Ratings

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

Mobile Apps

USAA Kemper
USAA

The USAA Mobile App lets you manage your insurance policies quickly and conveniently from your mobile device. The app has a touch fingerprint ID feature or voice recognition for a more secure login process. Use the USAA Mobile App to pay insurance premiums, transfer funds, and more. 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

USAA Kemper
USAA

USAA Roadside Assistance

USAA Roadside Assistance is offered thru USAA Towing and Labor as an additional coverage option on your policy. Only vehicles covered by USAA insurance are eligible for roadside assistance. USAA contracts their roadside service with Cross Country Motor Club to help you in need of help.

Roadside Services Covered

  • Towing
  • Gas delivery
  • Tire replacement

Contact Phone Number

USAA’s Roadside Assistance is available by calling 1 (866) 375—5374. This program can assist you in a number of undesirable situations and emergencies.

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