Farmers vs Kemper: which is better for car insurance in 2026?
Across our six scoring categories, Farmers comes out ahead in 3, Kemper in 1, with 2 too close to call. On our weighted overall score the two finish within 0.3 of a point — a genuine draw. The right answer here depends less on which company is "better" and more on which one prices your specific profile lower, and that is not knowable without running both quotes. Farmers is the stronger pick for drivers who want an agent and have specific coverage needs farmers can meet; Kemper for drivers turned down elsewhere because of their record or credit.
Farmers 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 Farmers's $4,048/yr — about $1626 a year, or 135.5 dollars a month, in Kemper's favor for this profile.
$4,048 a year for full coverage, 72% above the national average and the most expensive carrier in this review by a wide margin.
$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: Farmers posts 690/1,000 and Kemper Not rated, a difference too small to choose on.
690 out of 1,000, ten points below the segment average.
Not in the J.D. Power claims study, which samples only the largest insurers.
Complaint record
Farmers aheadFarmers takes complaint record on About the expected number against Kemper's Far more than expected.
Close to the number of complaints 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
Farmers aheadFarmers takes financial strength on A against Kemper's A-.
AM Best A (Excellent).
AM Best A- (Excellent). Parent Kemper Corporation is publicly traded.
Discounts
Too close to callNeither pulls ahead on discounts: Farmers posts 10 published* and Kemper 6 published, a difference too small to choose on.
Roughly ten discounts, though Farmers blocks automated access to its own discounts page, so we could not verify the list or its telematics program name directly.
A shorter list than standard-market carriers, plus Kemper Co-Pilot telematics with a 10% signup discount.
Digital experience
Farmers aheadFarmers takes digital experience on 4.84 iOS / 4.7 Android against Kemper's 2.44 iOS / 3.6 Android.
4.84 on the App Store and 4.7 on Google Play — the best-rated app pairing in this review, across a relatively small rating base.
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 Farmers if…
- You are among drivers who want an agent and have specific coverage needs farmers can meet.
- You want the lower complaint record — Farmers sits at About the expected number.
- Financial strength is a priority; Farmers holds A from AM Best.
- You would rather handle everything in an app than on a phone call.
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.
Farmers vs Kemper, answered
The questions people ask before switching between these two.
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