Auto Insurance Comparison
State Auto vs Kemper
Side-by-side comparison of State Auto vs Kemper auto insurance — ratings, cost, coverage, customer experience, pros, cons. No sales pitch, just the research.
Quick verdict
State Auto 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.
| State Auto | Kemper | |
|---|---|---|
| Overall score | 3.75 /5 ★★★★★ Highest overall | 3.55 /5 ★★★★★ |
| Best for | State Auto Insurance is now part of Liberty Mutual (acquired 2022) but continues to operate under the State Auto brand through independent agents | Kemper is a diversified carrier with a major non-standard auto presence and several specialty sub-brands |
| Read full review | State Auto review → | Kemper review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | State Auto | Kemper |
|---|---|---|
| Customer experience | 3.80 | 3.30 |
| Coverage breadth | 3.90 | 3.60 |
| Affordability | 3.50 | 3.70 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
State Auto
Full review →Pros
- Now backed by Liberty Mutual financial strength
- Independent agent distribution with shop-around flexibility
- Multi-line bundling discounts
- Solid customer satisfaction in operating states
Cons
- Geographic concentration in Midwest and Southeast
- Recent acquisition means brand and service evolution still underway
- Mid-market pricing, not a budget 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.
State Auto
Kemper
The bottom line
State Auto
State Auto is a fine regional choice in the Midwest and Southeast through an independent agent. The Liberty Mutual acquisition adds financial strength but the long-term brand identity is still settling.
Read the full State Auto 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.