Auto Insurance Comparison
Kemper vs The General
Side-by-side comparison of Kemper vs The General auto insurance — ratings, cost, coverage, customer experience, pros, cons. No sales pitch, just the research.
Quick verdict
Kemper edges ahead The 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 | The General | |
|---|---|---|
| Overall score | 3.55 /5 ★★★★★ Highest overall | 3.25 /5 ★★★★★ |
| Best for | Kemper is a diversified carrier with a major non-standard auto presence and several specialty sub-brands | The General writes non-standard auto insurance for drivers who can't easily get coverage from mainstream carriers |
| Read full review | Kemper review → | The General review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | Kemper | The General |
|---|---|---|
| Customer experience | 3.30 | 3.00 |
| Coverage breadth | 3.60 | 3.00 |
| Affordability | 3.70 | 3.80 |
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.
The General
Full review →Pros
- Strong specialization in non-standard risk — accepts drivers others reject
- Quick online quotes including SR-22 filings
- Available in 45 states, broader than most non-standard competitors
- Affordable for high-risk profiles that mainstream carriers price out
Cons
- Customer satisfaction and claims experience trend below industry averages
- Standard-risk drivers will pay more here than at mainstream carriers
- Coverage menu is intentionally minimal — limited add-on options
Coverage at a glance
What each carrier offers in standard policies.
Kemper
The 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 reviewThe General
If you've been denied by mainstream carriers or need SR-22 filing, The General is a legitimate option. If you're a standard-risk driver, you're paying for risk pooling you don't need — get quotes from GEICO and Progressive first.
Read the full The 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.