Auto Insurance Comparison
Quick verdict
Kemper comes out clearly ahead Titan 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 | Titan | |
|---|---|---|
| Overall score | 3.55 /5 ★★★★★ Highest overall | 3.05 /5 ★★★★★ |
| Best for | Kemper is a diversified carrier with a major non-standard auto presence and several specialty sub-brands | Titan is a non-standard auto carrier that's now part of Nationwide's portfolio, specializing in SR-22 filings and drivers with adverse records |
| Read full review | Kemper review → | Titan review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | Kemper | Titan |
|---|---|---|
| Customer experience | 3.30 | 2.90 |
| Coverage breadth | 3.60 | 2.80 |
| Affordability | 3.70 | 3.50 |
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.
Titan
Full review →Pros
- Backed by Nationwide — solid financial strength for a non-standard carrier
- Strong SR-22 specialization
- Accepts profiles other carriers reject
Cons
- Customer satisfaction below industry averages
- Limited geographic footprint
- Not a fit for standard-risk drivers
Coverage at a glance
What each carrier offers in standard policies.
Kemper
Titan
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 reviewTitan
Titan is worth a quote if you need SR-22 filing in the states it operates. Standard-risk drivers should shop mainstream first.
Read the full Titan 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.