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

Q: Is Elephant or Kemper cheaper?

We cannot answer that with published data. Elephant does not release public rate information, so no independent study — ours included — can put a national average next to Kemper's $2,422/yr. The only way to know is to quote both.

Q: Which handles claims better, Elephant or Kemper?

Neither has a clear edge. Elephant scores Not rated 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 Elephant better than Kemper overall?

We can't put two scores side by side here. Elephant does not publish enough of the underlying data for us to give it an overall score — we would rather say so than compute one from the two or three figures that do exist. Kemper scores 2.8 out of 5. Compare them on the individual categories above, and on the quotes you actually get.

Q: Can I switch from Elephant 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.

ElephantNot scored

Kemper

Across our six scoring categories, Elephant comes out ahead in 1, Kemper in 0, with 5 too close to call. There is no overall score to compare, though: Elephant does not publish enough of the underlying data to earn one, and we would rather leave it blank than build a number out of the two or three figures that happen to exist. Kemper is the better-documented of the two, which is not the same as being the better insurer for you. Judge these two on the categories where both have real figures — and on what they actually quote you.

Elephant vs Kemper, side by side

Category

ElephantRead the full review

KemperRead the full review

Overall scoreWeighted across the six categories below

Not scored

PriceAverage annual full-coverage premium · 25% of score

Not published

This company does not release public rate data

3.0$2,422/yr

Average full coverage vs. $2,356 national average

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

Not rated

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

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

2.5More than expected

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

Not published

No AM Best rating we could verify — see the review

3.5A-

AM Best Financial Strength Rating

DiscountsBreadth of published discounts · 15% of score

Not published

No discount list we could read on the carrier's own site

3.56 published

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

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

Not published

No app-store presence we could verify

2.52.44 iOS / 3.6 Android

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

Availability

8 states

38 states, specialising in non-standard auto

Best suited to

drivers in its eight states comparing it against other budget options

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.

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

ElephantKemper

Category by category

Price

Too close to call

Elephant does not release public rate data, so there is no like-for-like premium to set against Kemper's $2,422/yr. That is a real gap in the comparison, not a rounding error — treat Elephant's price as unknown until you have a quote in hand.

Elephant

Elephant is not included in the rate study behind every other premium in this review.

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: Elephant posts Not rated and Kemper Not rated, a difference too small to choose on.

Elephant

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

Kemper

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

Complaint record

Elephant ahead

Elephant takes complaint record on More than expected against Kemper's Far more than expected.

Elephant

More complaints than expected for its size — better than the other app-first insurers here, but still below par.

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

Too close to call

Neither pulls ahead on financial strength: Elephant posts Not published and Kemper A-, a difference too small to choose on.

Elephant

No AM Best rating we could verify, and no alternative rating found.

Kemper

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

Discounts

Too close to call

Neither pulls ahead on discounts: Elephant posts Not published and Kemper 6 published, a difference too small to choose on.

Elephant

No discount list we could read on Elephant's own site.

Kemper

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

Digital experience

Too close to call

Neither pulls ahead on digital experience: Elephant posts Not published and Kemper 2.44 iOS / 3.6 Android, a difference too small to choose on.

Elephant

No app-store figures we could verify from a primary source.

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 Elephant if…

You are among drivers in its eight states comparing it against other budget options.
You want the lower complaint record — Elephant sits at More than expected.
Availability fits: 8 states.

Read the full Elephant review →

Pick Kemper if…

You are among drivers turned down elsewhere because of their record or credit.
Availability fits: 38 states, specialising in non-standard auto.

Read the full Kemper review →

Elephant vs Kemper, answered

The questions people ask before switching between these two.

Is Elephant or Kemper cheaper?

Which handles claims better, Elephant or Kemper?

Is Elephant better than Kemper overall?

Can I switch from Elephant to Kemper mid-policy?

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