Auto Insurance Comparison
Quick verdict
NJM comes out clearly 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.
| NJM | Kemper | |
|---|---|---|
| Overall score | 4.35 /5 ★★★★★ Highest overall | 3.55 /5 ★★★★★ |
| Best for | NJM is a mutual carrier with one of the strongest customer-satisfaction reputations in the industry | Kemper is a diversified carrier with a major non-standard auto presence and several specialty sub-brands |
| Read full review | NJM review → | Kemper review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | NJM | Kemper |
|---|---|---|
| Customer experience | 4.80 | 3.30 |
| Coverage breadth | 4.20 | 3.60 |
| Affordability | 4.00 | 3.70 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
NJM
Full review →Pros
- Industry-leading customer satisfaction in independent surveys year after year
- Mutual structure means dividends to policyholders, not shareholders
- Strong claims-handling reputation with very low complaint volumes
- Competitive pricing for clean records and mature drivers in its footprint
Cons
- Only available in NJ, PA, OH, MD, and CT — no national availability
- Limited brand presence and ad spend means fewer people know it exists
- Less aggressive on telematics and usage-based programs than digital natives
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.
NJM
Kemper
The bottom line
NJM
If you're in NJ, PA, OH, MD, or CT, get a quote. NJM is one of the carriers most likely to actually deliver on what every insurance ad promises.
Read the full NJM 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.