State Farm vs Kemper - Who Has Cheaper Insurance?

Buying auto insurance from State Farm and Kemper is easy to do online, but first make sure you read other consumer's reviews of each company. Finding out how other insureds have fared with car insurance companies is a good indication of how your experience will be with the same company.

Quickly compare rates from top auto insurance companies like State Farm and Kemper to find the cheapest rate!

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Survey Ratings for State Farm and Kemper

  State Farm Ratings Kemper Ratings
Policy Offerings State Farm Policy Offerings Kemper Policy Offerings
Pricing State Farm Pricing Kemper Pricing
Billing and Payment State Farm Billing Kemper Billing
Contacting the Insurer State Farm Support Kemper Support
Overall Satisfaction State Farm Satisfaction Kemper Satisfaction
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Data source: J.D.Power 2011 National Auto Insurance Study

State Farm scored higher Kemper on policy offerings. Policy offerings compares the different types of coverages available from each car insurance company. More coverages means you can insure your home, car, RV, and possibly even life with the same company.

State Farm and Kemper Price Comparison

State Farm was rated about the same as Kemper on insurance prices. That doesn't mean that State Farm will always have identical prices on car insurance than Kemper, however. State Farm or Kemper may have the lowest rate for your personal situation, but you have to get quotes from both companies to find out.

State Farm vs Kemper - Who Has Cheaper Insurance?

The only way to know which company has the lowest rate is to get a car insurance comparison quote now. You may qualify for low rates with State Farm but not Kemper, or vice versa.

For satisfaction of billing and payment options, State Farm was rated the same as Kemper. Consumers generally prefer to have more flexible payment options.

Knowing you'll be able to get in touch with your company in case of an accident or claim may give you good peace of mind. State Farm was judged to be better than Kemper when consumers attempted to contact the company.

Summing it Up

Should you buy from the company with the higher overall rating? According to the ratings results shown above, State Farm received a higher overall satisfaction rating as compared to Kemper, but deciding on a car insurance company should be based on more than consumer ratings.

Consumer Auto Insurance Buying Tips

  • If you have an independent insurance agent, have them compare rates with multiple companies
  • Not filing small claims can earn you a claim-free discount on your car insurance
  • To reduce your annual premium, consider dropping full coverage on vehicles that no longer need it
  • Every year, shop your car insurance coverage around to find the lowest rate