Compare Farmers vs. Kemper Insurance

Get affordable car insurance quotes from top companies like Farmers and Kemper

Kemper and Farmers are two big companies in the world of insurance. Kemper was founded in 1990, and Farmers was founded in 1928. While Farmers offers extensive policy and discount options, it's online and mobile tools are subpar. On the flip side, Kemper provides low rates for high-risk drivers and has a good umbrella policy option, but its claims process is lengthy. Still, Farmers is superior in financial strength and J.D. Power 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

  Farmers Kemper
Best If Farmers
  • You want a lot of coverage and vehicle discounts, or if you are accident-prone
 Kemper
  • You have a flawed record and need affordable rates
Worst If Farmers
  • You want slick online tools to manage your policy
 Kemper
  • You want a fast claims process

Special Car Insurance Discounts

Farmers Kemper
Farmers

Farmers Inner Circle is an exclusive hub for Farmers customers. It has tips and resources for saving money on insurance and how to keep your rates low.

 Kemper

Compare Insurance Prices

Comparing quotes is the best way to get your lowest rates from top insurers like Farmers and Kemper. QuoteWizard is an independent company that helps you find your right policy at your best rate.

Standard Car Insurance Discounts

Bundling Coverage Discounts Farmers Kemper
Multi-Car check check
Home and Car check
Car and Life check
Vehicle Type and Safety Features Farmers Kemper
Alternative Fuel check
Electronic Stability Control (ESC) check
Anti-Lock Brake check check
Anti-Theft check check
Passive Restraint check check
New Car
Economy Car
Utility Vehicle check
Farm or Ranch Vehicle check
Driving Record and Insurance History Farmers Kemper
Accident Free/Good Driver check
Prior Insurance
Long Term Policy Holder check
Defensive Driving Course check check
Student, Professional, and Club Memberships Farmers Kemper
Affinity Group check
College Graduate
Good Student check check
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances Farmers Kemper
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts Farmers Kemper
Married
Paid in Full check
Advance Renewal
Electronic Funds Transfer
Senior Driver check
55 and Retired

Consumer Complaint Data

Farmers Auto Insurance Kemper Insurance
2016 167 14
2015 262 19
2014 237 13
2013 300 14

U.S. Auto Insurance Shopping Study (2016)

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

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

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

Financial Strength Ratings

Farmers Auto Insurance Kemper Insurance
A.M. Best A A-
Moody's Aa3 --
S&P's A+ A-

Mobile Apps

Farmers Kemper
Farmers

Farmers Insurance Mobile App

helps customers manage their insurance on the go. You can instantly view ID cards, connect with your agent, and pay your monthly premiums in one place. The app also lets you:

  • View the details of your coverage policy
  • Get updates from a message center
  • Have instant access with a “Keep Me Logged In” feature

Download the Farmers Insurance Mobile App.

 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.

Download the Kemper Photo/Express Inspection app for Android.

Roadside Assistance

Farmers Kemper
Farmers

Farmers Towing & Roadside Assistance

Covers roadside services up to $150

Services covered:

  • Emergency towing
  • Dead battery
  • Tire change
  • Lockout
  • Winching
  • Emergency roadside connect – to access police, fire, and medical assistance

Farmers Towing & Roadside Assistance works with over 20,000 road services shops. If you use a service that's out of Farmers network, you'll have to file a claim for up to $150.

Farmers’ Roadside Emergency Safety Contact Number

Call 1 (800) 435 -7764 or click here for help with assistance with roadside issues. This service help you with an emergency tow, jump start, flat tire, lockout assistance, winching, and ambulance services. 

 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.