Kemper vs Liberty Mutual: which is better for car insurance in 2026?
Across our six scoring categories, Kemper comes out ahead in 0, Liberty Mutual in 4, with 2 too close to call. There is no overall score to compare, though: Liberty Mutual 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.
Kemper vs Liberty Mutual, 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
Too close to callLiberty Mutual 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 Liberty Mutual's price as unknown until you have a quote in hand.
$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 published. Liberty Mutual releases no public rate data, so no independent study — including ours — can put a national average against it. Any figure you see quoted for Liberty Mutual is an estimate.
Claims satisfaction
Too close to callNeither pulls ahead on claims satisfaction: Kemper posts Not rated and Liberty Mutual 730/1,000, a difference too small to choose on.
Not in the J.D. Power claims study, which samples only the largest insurers.
730 out of 1,000, third-highest in the J.D. Power 2025 study and thirty points above the segment average.
Complaint record
Liberty Mutual aheadLiberty Mutual takes complaint record on More than expected against Kemper's Far more than expected.
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.
More complaints than expected for its size, based on 2021–2023 data — a different window from most carriers here, so not perfectly comparable.
Financial strength
Liberty Mutual aheadLiberty Mutual takes financial strength on A against Kemper's A-.
AM Best A- (Excellent). Parent Kemper Corporation is publicly traded.
AM Best A (Excellent).
Discounts
Liberty Mutual aheadLiberty Mutual takes discounts on 12 published against Kemper's 6 published.
A shorter list than standard-market carriers, plus Kemper Co-Pilot telematics with a 10% signup discount.
Twelve published discounts, plus a customization tool Liberty Mutual says saves 12% or more — though that is excluded in nine states.
Digital experience
Liberty Mutual aheadLiberty Mutual takes digital experience on 4.79 iOS / 4.6 Android against Kemper's 2.44 iOS / 3.6 Android.
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.
4.79 on the App Store and 4.6 on Google Play across 669,000 combined ratings. Solid on both platforms.
So which one?
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.
Pick Liberty Mutual if…
- You are among drivers who value claims handling and will quote it directly.
- You want the lower complaint record — Liberty Mutual sits at More than expected.
- Financial strength is a priority; Liberty Mutual holds A from AM Best.
- You expect to stack discounts — Liberty Mutual's lineup is the broader of the two.
Kemper vs Liberty Mutual, answered
The questions people ask before switching between these two.
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Averages are a starting point. Your rate is the only number that decides it.