Auto Insurance Comparison
Kemper vs Dairyland
Side-by-side comparison of Kemper vs Dairyland auto insurance — ratings, cost, coverage, customer experience, pros, cons. No sales pitch, just the research.
Quick verdict
Kemper edges ahead Dairyland 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 | Dairyland | |
|---|---|---|
| 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 | Dairyland is a non-standard auto carrier that's particularly well-known for motorcycle insurance |
| Read full review | Kemper review → | Dairyland review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | Kemper | Dairyland |
|---|---|---|
| Customer experience | 3.30 | 3.10 |
| Coverage breadth | 3.60 | 3.40 |
| 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.
Dairyland
Full review →Pros
- Strong motorcycle insurance specialization — often the cheapest moto quote
- Accepts non-standard auto risk including SR-22 needs
- Owned by Sentry — financial strength is solid
- Available in 39 states for auto
Cons
- Customer satisfaction trends below industry averages
- Not competitive for standard-risk auto-only drivers
- Coverage menu is leaner than mainstream carriers
Coverage at a glance
What each carrier offers in standard policies.
Kemper
Dairyland
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 reviewDairyland
Dairyland is genuinely worth a quote if you have a motorcycle or non-standard auto risk. For standard-risk auto-only, look at GEICO and Progressive first.
Read the full Dairyland 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.