National General vs Kemper — Which Is Better for You?
Wondering whether National General or Kemper is the right fit? We compare coverage, rates, financial strength, and more to help you decide.
Compare Both Carriers' RatesAt a Glance
National General
Affordable coverage for a wide range of drivers, now part of Allstate.
- ✓Budget-conscious drivers
- ✓Non-standard auto
- ✓Flexible payment plans
- ✓Quick binding
Kemper
Specialty insurance solutions for underserved markets.
- ✓Non-standard drivers
- ✓Spanish-speaking customers
- ✓Low down payments
- ✓First-time buyers
Key Highlights
Why Choose National General
- •Available in more states with broader reach
- •Allstate backing adds financial strength and resources
- •Fast quoting and same-day coverage binding
- •Competitive rates across a wide driver spectrum
Why Choose Kemper
- •Deep focus on specialty and underserved markets
- •Bilingual English/Spanish service and support
- •Parent of Infinity Insurance — strong specialty track record
- •Very low down payment options available
Which Should You Choose?
Both National General and Kemper are solid choices, but the right one depends on your situation. National General is best known for budget-conscious drivers, while Kemper stands out for non-standard drivers.
In terms of financial strength, National General holds an AM Best rating of A compared to Kemper's A-. National General offers 5 products while Kemper offers 3, so National General has a broader coverage lineup.
The best way to decide? Compare personalized quotes from both. Rates can vary dramatically based on your specific profile — your driving record, location, age, and coverage needs all affect pricing. Truvo makes it easy to compare quotes from National General, Kemper, and 40+ other carriers in minutes.
Frequently Asked Questions
Is National General or Kemper cheaper?
Rates vary based on your driving record, location, age, and coverage needs. National General and Kemper use different rating factors, so one may be significantly cheaper for your profile. The best way to find out is to compare personalized quotes from both through Truvo.
Which has better coverage — National General or Kemper?
National General offers Auto, Home, Renters, Motorcycle, RV coverage, while Kemper offers Auto, Home, Renters. The "better" coverage depends on what you need — consider factors like policy limits, deductible options, and add-on coverages available from each carrier.
Which is better for high-risk drivers — National General or Kemper?
Both carriers serve a range of driver profiles. National General is best for budget-conscious drivers and non-standard auto, while Kemper is best for non-standard drivers and spanish-speaking customers. Compare quotes from both to see which offers you the best rate.
How do I choose between National General and Kemper?
Consider your priorities: price, coverage breadth, financial strength, customer service, and state availability. National General is rated A by AM Best, while Kemper is rated A-. Truvo compares quotes from both carriers so you can make an informed decision.
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