Auto Insurance Comparison
Foremost vs Kemper
Side-by-side comparison of Foremost vs Kemper auto insurance — ratings, cost, coverage, customer experience, pros, cons. No sales pitch, just the research.
Quick verdict
Foremost 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.
| Foremost | Kemper | |
|---|---|---|
| Overall score | 3.65 /5 ★★★★★ Highest overall | 3.55 /5 ★★★★★ |
| Best for | Foremost Insurance is Farmers' specialty arm, originally known for manufactured-home insurance and now writing non-standard auto, RV, motorcycle, and seasonal-property coverage | Kemper is a diversified carrier with a major non-standard auto presence and several specialty sub-brands |
| Read full review | Foremost review → | Kemper review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | Foremost | Kemper |
|---|---|---|
| Customer experience | 3.60 | 3.30 |
| Coverage breadth | 3.80 | 3.60 |
| Affordability | 3.50 | 3.70 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
Foremost
Full review →Pros
- Strong specialty positioning for manufactured homes, RVs, and motorcycles
- Backed by Farmers financial strength
- Accepts non-standard auto risk
- Available across all 50 states for at least some lines
Cons
- Not a fit for standard-risk auto shoppers
- Customer satisfaction trends mid-pack
- Best for specialty lines, not mainstream auto
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.
Foremost
Kemper
The bottom line
Foremost
Foremost makes sense for specialty needs — manufactured-home, RV, motorcycle — or non-standard auto. For mainstream auto coverage, look at GEICO, Progressive, or Farmers' main book.
Read the full Foremost 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.