Auto Insurance Comparison
Quick verdict
Root 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.
| Root | Kemper | |
|---|---|---|
| Overall score | 3.60 /5 ★★★★★ Highest overall | 3.55 /5 ★★★★★ |
| Best for | Root is a digital-native carrier built around a test-drive model — you install the app, drive for ~3 weeks, and Root prices your policy based on actual driving behavior | Kemper is a diversified carrier with a major non-standard auto presence and several specialty sub-brands |
| Read full review | Root review → | Kemper review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | Root | Kemper |
|---|---|---|
| Customer experience | 3.50 | 3.30 |
| Coverage breadth | 3.50 | 3.60 |
| Affordability | 3.80 | 3.70 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
Root
Full review →Pros
- Low-mileage drivers
- Drivers who do everything to keep themselves safe on the road
- Prospective customers want to save on renters and vehicle insurance.
Cons
- high-risk drivers in the high-risk categories.
- Insurance agents who prioritize work
- drivers who seek a comprehensive insurance plan
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.
Root
Kemper
The bottom line
Root
Root is worth trying if you're a genuinely safe driver who's comfortable with a 3-week test and digital-only service. If you need immediate coverage or prefer human agents, look elsewhere.
Read the full Root 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.