Auto-Owners vs Kemper: which is better for car insurance in 2026?

$2,094 a year for full coverage, 11% below the national average — mid-pack, and close to State Farm and Progressive.

$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.

711 out of 1,000, eleven points above the segment average and better than every carrier in the top four by market share except State Farm.

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

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.

AM Best A+ (Superior).

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

Around ten published discounts including a 20% good-student discount and a 36-month on-time payment discount — though Auto-Owners blocks automated access to its own discounts page, so this count comes from secondary sources.

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

4.72 on the App Store and 4.8 on Google Play — the only carrier here rated higher on Android than iOS, and the best Play Store score in the review.

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.