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

$2,976 a year for full coverage, 26% above the national average. COUNTRY is not competing on price.

$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.

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

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

Far fewer complaints than expected for its size — the strongest band we assign, and COUNTRY's single best measure.

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.

An A+ rating circulates widely, but COUNTRY's own newsroom is blocked to automated access and AM Best's site is too, so we could not read it from a primary page. We would rather show nothing than a rating we did not verify.

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

Around ten discounts, including an unusual engaged-or-newly-married discount for drivers aged 21 to 29, plus the DriverIQ telematics program.

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

3.46 on the App Store and 2.92 on Google Play — poor on both. Curiously, the separate DriverIQ telematics app rates 4.55, so the weakness is in policy servicing rather than engineering.

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.