Auto Insurance Comparison
Quick verdict
AAA edges ahead Kemper in our overall scoring — but each carrier wins on different dimensions. See the breakdown below before deciding.
Head-to-head
Overall scores, key facts, and what each is known for.
| AAA | Kemper | |
|---|---|---|
| Overall score | 3.75 /5 ★★★★★ Highest overall | 3.55 /5 ★★★★★ |
| Best for | AAA sits at the intersection of insurance and membership — its auto coverage is competitive on service and roadside, but headline rates frequently run above more pure-play competitors like GEICO or Progressive | Kemper is a diversified carrier with a major non-standard auto presence and several specialty sub-brands |
| Read full review | AAA review → | Kemper review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | AAA | Kemper |
|---|---|---|
| Customer experience | 4.30 | 3.30 |
| Coverage breadth | 4.00 | 3.60 |
| Affordability | 3.00 | 3.70 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
AAA
Full review →Pros
- Roadside assistance and member benefits genuinely earn the brand's reputation
- Strong claims-handling and agent service in most regions
- Broad coverage options with consistent multi-state availability
- Solid bundling discounts for members with home or life policies
Cons
- Headline rates typically run above the national average for non-members or light users
- Quality varies meaningfully by regional AAA club — service and pricing aren't uniform
- Not the best fit for high-risk drivers or drivers seeking the lowest possible rate
Kemper
Full review →Pros
- Strong specialty positioning for non-standard auto and Hispanic-market customers
- Quick online quoting with bilingual service in key markets
- Backed by parent company financial strength
- Accepts SR-22 and high-risk profiles
Cons
- Kemper does not have a telematics program.
- Kemper does provide a mobile application, but its capabilities are restricted, and its website is sparse.
Coverage at a glance
What each carrier offers in standard policies.
AAA
Kemper
The bottom line
AAA
AAA makes sense if you'd use the membership perks anyway. If you're a careful driver who just wants the cheapest competent coverage, USAA (if eligible) or GEICO typically beat AAA on price by a comfortable margin.
Read the full AAA reviewKemper
Kemper makes sense for non-standard risk or Spanish-language service needs in its core states. For standard-risk shoppers, mainstream carriers typically price more aggressively.
Read the full Kemper reviewBefore you decide
Rankings are a starting point — your profile decides the rest.
These scores reflect our editorial research across cost, coverage, and customer experience. The right carrier for you still depends on your record, location, and vehicle, so read the full reviews before you commit.