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

$2,023 a year for full coverage, about 14% below the national average — the cheapest of the four largest insurers on our benchmark profile.

$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.

697 out of 1,000, three points under the segment average. Not a weakness exactly, but not a reason to choose Geico either.

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

Fewer complaints than its size predicts, which for the third-largest auto insurer in the country is a meaningful result.

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++, the top rating. Geico is a Berkshire Hathaway company.

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

Seventeen published discounts with maximum values attached — up to 22% for a clean record, 25% for multi-vehicle, 25% for deployed military.

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

4.8 on the App Store across 4.75 million ratings — by far the largest rating base of any insurer here — and 4.5 on Google Play.

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.