Auto Insurance Comparison
MetLife vs Kemper
Side-by-side comparison of MetLife vs Kemper auto insurance — ratings, cost, coverage, customer experience, pros, cons. No sales pitch, just the research.
Quick verdict
MetLife 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.
| MetLife | Kemper | |
|---|---|---|
| Overall score | 3.60 /5 ★★★★★ Highest overall | 3.55 /5 ★★★★★ |
| Best for | MetLife exited the U | Kemper is a diversified carrier with a major non-standard auto presence and several specialty sub-brands |
| Read full review | MetLife review → | Kemper review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | MetLife | Kemper |
|---|---|---|
| Customer experience | 3.60 | 3.30 |
| Coverage breadth | 3.80 | 3.60 |
| Affordability | 3.40 | 3.70 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
MetLife
Full review →Pros
- Strong financial backing during its time as a personal auto carrier
- Solid claims-handling reputation among legacy policyholders
- Brand recognition and trust from decades in the personal-lines market
Cons
- No longer writing new U.S. auto policies — the business sold to Farmers in 2021
- Existing policies transitioned to Farmers administration, which may have shifted service quality and rates
- If you're shopping for a new policy today, MetLife is not an active option
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.
MetLife
Kemper
The bottom line
MetLife
MetLife is no longer an active U.S. personal auto carrier. If you're shopping now, see our Farmers review for the current picture — that's the carrier administering the former MetLife book.
Read the full MetLife 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.