Auto Insurance Comparison
Safeco vs Kemper
Side-by-side comparison of Safeco vs Kemper auto insurance — ratings, cost, coverage, customer experience, pros, cons. No sales pitch, just the research.
Quick verdict
Safeco 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.
| Safeco | Kemper | |
|---|---|---|
| Overall score | 3.70 /5 ★★★★★ Highest overall | 3.55 /5 ★★★★★ |
| Best for | Safeco Insurance is Liberty Mutual's independent-agent brand — same parent company, different distribution model | Kemper is a diversified carrier with a major non-standard auto presence and several specialty sub-brands |
| Read full review | Safeco review → | Kemper review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | Safeco | Kemper |
|---|---|---|
| Customer experience | 3.60 | 3.30 |
| Coverage breadth | 4.00 | 3.60 |
| Affordability | 3.50 | 3.70 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
Safeco
Full review →Pros
- Shoppers hunting for deals.
- Those who drive passengers for profit (in certain states)
- Those searching for a house and vehicle insurance package
Cons
- People who want to get the best customer service and claims experience available
- People who decline to bundle their coverage
- People only interested in basic coverage
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.
Safeco
Kemper
The bottom line
Safeco
Safeco is a fine choice if you're working with an independent agent — they can compare it against other carriers in real time. Direct shoppers will get the same financial backing through Liberty Mutual.
Read the full Safeco 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.