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Allstate vs Kemper: which is better for car insurance in 2026?

Q: Is Allstate or Kemper cheaper?

On average, Kemper. Our benchmark profile pays $2,422/yr with Kemper versus $3,176/yr with Allstate — roughly $754 a year. But that is one profile: a 35-year-old with a clean record and good credit. Change the driver and the order can flip, which is why the only rate that matters is the one you are quoted.

Q: Which handles claims better, Allstate or Kemper?

Neither has a clear edge. Allstate scores 693/1,000 and Kemper Not rated on the claims measure we use — close enough that the individual adjuster you draw matters more than the company average.

Q: Is Allstate better than Kemper overall?

Allstate scores higher overall in our review — 3.4 against 2.8 out of 5. "Better" still depends on you, though: Kemper may quote you less, and our score weights six factors that we chose, not the ones you might weight most.

Q: Can I switch from Allstate to Kemper mid-policy?

Yes. Auto policies can be cancelled at any time, and most insurers refund the unused premium pro-rata — though some charge a short-rate cancellation fee, so check your policy before you cancel. The one rule worth following: get the new policy bound and in force before you cancel the old one. Even a single day uninsured can count as a coverage lapse, which raises your rate at the next renewal and, in some states, exposes you to a registration penalty.

Allstate

Kemper

Across our six scoring categories, Allstate comes out ahead in 3, Kemper in 1, with 2 too close to call. Allstate edges the weighted overall score by 0.6 of a point, on the strength of complaint record, financial strength, digital experience. That is not a reason to skip Kemper: it scores higher on price, and a quote that comes in lower beats a review that scores higher. Allstate is the safer default; Kemper is worth a quote if you are among drivers turned down elsewhere because of their record or credit.

Allstate vs Kemper, side by side

Category

AllstateRead the full review

KemperRead the full review

Overall scoreWeighted across the six categories below

Better

PriceAverage annual full-coverage premium · 25% of score

2.0$3,176/yr

Average full coverage vs. $2,356 national average

3.0$2,422/yr

Average full coverage vs. $2,356 national average

Better

Claims satisfactionJ.D. Power 2025 claims study, out of 1,000 · 20% of score

3.5693/1,000

J.D. Power 2025 claims study, segment average 700

Not rated

Below the sampling frame of the J.D. Power claims study, which covers only the largest insurers

Complaint recordComplaints relative to company size · 15% of score

3.5About the expected number

Complaints relative to company size, NAIC data 2022–2024

Better

1.5Far more than expected

Complaints relative to company size, NAIC data 2022–2024

Financial strengthAM Best Financial Strength Rating · 10% of score

4.5A+

AM Best Financial Strength Rating

Better

3.5A-

AM Best Financial Strength Rating

DiscountsBreadth of published discounts · 15% of score

3.55 published

Discounts on the carrier's own pages · Telematics: Drivewise

3.56 published

Discounts on the carrier's own pages · Telematics: Kemper Co-Pilot

Digital experienceApp ratings and self-service depth · 15% of score

4.54.79 iOS / 4.1 Android

App Store (1.26M ratings) and Google Play (125K ratings), August 2026

Better

2.52.44 iOS / 3.6 Android

App Store (99 ratings) and Google Play (115 ratings), August 2026

Availability

All 50 states and D.C., through local agents

38 states, specialising in non-standard auto

Best suited to

drivers who want an agent and will bundle enough to offset the premium

drivers turned down elsewhere because of their record or credit

Sources: average premiums from NerdWallet's August 2026 rate analysis (Quadrant Information Services), for a 35-year-old driver with a clean record and good credit in a 2023 Toyota Camry LE at 12,000 miles a year, 100/300/50 limits with $1,000 deductibles — national average $2,356. Claims satisfaction from the J.D. Power 2025 U.S. Auto Claims Satisfaction Study (segment average 700). Complaint record from NerdWallet's analysis of NAIC complaint data, 2022–2024. Financial strength from AM Best. Discounts and app data from each carrier's published pages and the Apple App Store / Google Play, retrieved August 2026. Updated August 2026.

Allstate vs Kemper across all six categoriesScored 1–5. Longer is better in every category — the price bar already accounts for cheaper being better.

AllstateKemper

Category by category

Price

Kemper ahead

Kemper averages $2,422/yr for full coverage against Allstate's $3,176/yr — about $754 a year, or 62.8 dollars a month, in Kemper's favor for this profile.

Allstate

$3,176 a year for full coverage — 35% above the national average and the third most expensive carrier in this review. This is the number that defines Allstate.

Kemper

$2,422 a year for full coverage on our standard benchmark, 3% above the national average — but Kemper's actual customers are drivers who would pay far more, or be refused outright, almost anywhere else.

Claims satisfaction

Too close to call

Neither pulls ahead on claims satisfaction: Allstate posts 693/1,000 and Kemper Not rated, a difference too small to choose on.

Allstate

693 out of 1,000, seven points below the segment average. Middling, and not enough to justify the premium on its own.

Kemper

Not in the J.D. Power claims study, which samples only the largest insurers.

Complaint record

Allstate ahead

Allstate takes complaint record on About the expected number against Kemper's Far more than expected.

Allstate

Close to the number of complaints expected for its size.

Kemper

Far more complaints than expected for its size. Non-standard carriers tend to run high on this measure, which is context rather than an excuse.

Financial strength

Allstate ahead

Allstate takes financial strength on A+ against Kemper's A-.

Allstate

AM Best A+ (Superior).

Kemper

AM Best A- (Excellent). Parent Kemper Corporation is publicly traded.

Discounts

Too close to call

Neither pulls ahead on discounts: Allstate posts 5 published and Kemper 6 published, a difference too small to choose on.

Allstate

Allstate's current discounts page publishes only five named discounts, the thinnest list of any national carrier here — several features it was historically known for no longer appear on live pages.

Kemper

A shorter list than standard-market carriers, plus Kemper Co-Pilot telematics with a 10% signup discount.

Digital experience

Allstate ahead

Allstate takes digital experience on 4.79 iOS / 4.1 Android against Kemper's 2.44 iOS / 3.6 Android.

Allstate

4.79 on the App Store but only 4.1 on Google Play, the widest platform gap among the large insurers.

Kemper

2.44 on the App Store and 3.6 on Google Play. The current app relaunched in mid-2026, so those scores reflect a new listing rather than a settled one.

So which one?

Pick Allstate if…

You are among drivers who want an agent and will bundle enough to offset the premium.
You want the lower complaint record — Allstate sits at About the expected number.
Financial strength is a priority; Allstate holds A+ from AM Best.
You would rather handle everything in an app than on a phone call.

Read the full Allstate review →

Pick Kemper if…

You are among drivers turned down elsewhere because of their record or credit.
Price is your first filter — Kemper averages $2,422/yr for full coverage on our benchmark profile.
Availability fits: 38 states, specialising in non-standard auto.

Read the full Kemper review →

Allstate vs Kemper, answered

The questions people ask before switching between these two.

Is Allstate or Kemper cheaper?

Which handles claims better, Allstate or Kemper?

Is Allstate better than Kemper overall?

Can I switch from Allstate to Kemper mid-policy?

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