Auto Insurance Comparison
Kemper vs National General
Side-by-side comparison of Kemper vs National General auto insurance — ratings, cost, coverage, customer experience, pros, cons. No sales pitch, just the research.
Quick verdict
Kemper is essentially tied with National General 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 | National General | |
|---|---|---|
| Overall score | 3.55 /5 ★★★★★ Highest overall | 3.55 /5 ★★★★★ |
| Best for | Kemper is a diversified carrier with a major non-standard auto presence and several specialty sub-brands | National General is Allstate's non-standard and specialty subsidiary, acquired in 2021 |
| Read full review | Kemper review → | National General review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | Kemper | National General |
|---|---|---|
| Customer experience | 3.30 | 3.40 |
| Coverage breadth | 3.60 | 3.70 |
| 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.
National General
Full review →Pros
- Available in all 50 states for non-standard auto
- Strong specialty lines including RV and motorcycle insurance
- Backed by Allstate financial strength
- Accepts SR-22 and high-risk profiles
Cons
- Customer satisfaction trends below industry averages
- Not competitive for standard-risk drivers
- Coverage menu varies meaningfully by state and risk profile
Coverage at a glance
What each carrier offers in standard policies.
Kemper
National General
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 reviewNational General
National General fits the non-standard niche or specialty needs (RV, motorcycle). Standard-risk auto shoppers will find better rates and service at mainstream carriers.
Read the full National General 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.