Auto Insurance Comparison
Kemper vs Bristol West
Side-by-side comparison of Kemper vs Bristol West auto insurance — ratings, cost, coverage, customer experience, pros, cons. No sales pitch, just the research.
Quick verdict
Kemper edges ahead Bristol West 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.
| Kemper | Bristol West | |
|---|---|---|
| Overall score | 3.55 /5 ★★★★★ Highest overall | 3.35 /5 ★★★★★ |
| Best for | Kemper is a diversified carrier with a major non-standard auto presence and several specialty sub-brands | Bristol West is Farmers' non-standard arm, writing policies for drivers Farmers' main underwriting wouldn't accept — tickets, lapses, SR-22 needs |
| Read full review | Kemper review → | Bristol West review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | Kemper | Bristol West |
|---|---|---|
| Customer experience | 3.30 | 3.10 |
| Coverage breadth | 3.60 | 3.30 |
| Affordability | 3.70 | 3.60 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
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.
Bristol West
Full review →Pros
- Backed by Farmers — strong financial backing for a non-standard carrier
- Accepts SR-22 filings and high-risk profiles
- Available in 41 states
- Quick online quotes
Cons
- Customer satisfaction and claims experience trend below industry averages
- Not a fit for standard-risk drivers — rates are non-competitive there
- Limited coverage flexibility compared to mainstream Farmers policies
Coverage at a glance
What each carrier offers in standard policies.
Kemper
Bristol West
The bottom line
Kemper
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 reviewBristol West
Bristol West makes sense for non-standard risk where Farmers' main book won't write you. Standard-risk drivers should shop mainstream first.
Read the full Bristol West 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.