Amica vs Kemper: which is better for car insurance in 2026?
Across our six scoring categories, Amica comes out ahead in 4, Kemper in 1, with 1 too close to call. Amica edges the weighted overall score by 0.9 of a point, on the strength of complaint record, financial strength, discounts, 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. Amica is the safer default; Kemper is worth a quote if you are among drivers turned down elsewhere because of their record or credit.
Amica vs Kemper, side by side
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.
Category by category
Price
Kemper aheadKemper averages $2,422/yr for full coverage against Amica's $3,167/yr — about $745 a year, or 62.1 dollars a month, in Kemper's favor for this profile.
$3,167 a year for full coverage, 34% above the national average. Amica is one of the most expensive carriers here, and does not pretend otherwise.
$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 callNeither pulls ahead on claims satisfaction: Amica posts 718/1,000 and Kemper Not rated, a difference too small to choose on.
718 out of 1,000, eighteen points above the segment average and seventh overall in the J.D. Power 2025 study.
Not in the J.D. Power claims study, which samples only the largest insurers.
Complaint record
Amica aheadAmica takes complaint record on Fewer than expected against Kemper's Far more than expected.
Fewer complaints than expected for its size.
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
Amica aheadAmica takes financial strength on A+ against Kemper's A-.
AM Best A+ (Superior), affirmed March 2026.
AM Best A- (Excellent). Parent Kemper Corporation is publicly traded.
Discounts
Amica aheadAmica takes discounts on 17 published against Kemper's 6 published.
Seventeen published discounts — among the longest lists here — including bundling up to 30% and multi-car up to 25%.
A shorter list than standard-market carriers, plus Kemper Co-Pilot telematics with a 10% signup discount.
Digital experience
Amica aheadAmica takes digital experience on 4.82 iOS / 3.2 Android against Kemper's 2.44 iOS / 3.6 Android.
4.82 on the App Store but 3.2 on Google Play across a small rating base. The platform gap is severe and Android users should set expectations accordingly.
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 Amica if…
- You are among drivers who will pay more for service and expect to file claims.
- You want the lower complaint record — Amica sits at Fewer than expected.
- Financial strength is a priority; Amica holds A+ from AM Best.
- You expect to stack discounts — Amica's lineup is the broader of the two.
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.
Amica vs Kemper, answered
The questions people ask before switching between these two.
Other comparisons
See all 359 head-to-head comparisons →Compare real quotes from both — and 50+ others.
Averages are a starting point. Your rate is the only number that decides it.