Progressive vs Kemper — Which Is Better for You?
Wondering whether Progressive or Kemper is the right fit? We compare coverage, rates, financial strength, and more to help you decide.
Compare Both Carriers' RatesAt a Glance
Progressive
One of the largest auto insurers in the US with competitive rates and innovative tools.
- ✓Drivers with violations
- ✓Multi-policy bundling
- ✓Usage-based discounts
- ✓Online quote shoppers
Kemper
Specialty insurance solutions for underserved markets.
- ✓Non-standard drivers
- ✓Spanish-speaking customers
- ✓Low down payments
- ✓First-time buyers
Key Highlights
Why Choose Progressive
- •Available in all 50 states — widest geographic reach
- •Advanced digital tools like Name Your Price® and Snapshot®
- •AM Best A+ rating for top financial stability
- •Broad product lineup beyond just auto
Why Choose Kemper
- •Strong focus on underserved and specialty markets
- •Bilingual service in English and Spanish
- •Flexible payment plans with very low down payments
- •Competitive rates for first-time insurance buyers
Which Should You Choose?
Both Progressive and Kemper are solid choices, but the right one depends on your situation. Progressive is best known for drivers with violations, while Kemper stands out for non-standard drivers.
In terms of financial strength, Progressive holds an AM Best rating of A+ compared to Kemper's A-. Progressive offers 6 products while Kemper offers 3, so Progressive 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 Progressive, Kemper, and 40+ other carriers in minutes.
Frequently Asked Questions
Is Progressive or Kemper cheaper?
Rates vary based on your driving record, location, age, and coverage needs. Progressive 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 — Progressive or Kemper?
Progressive offers Auto, Home, Renters, Motorcycle, Boat, 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 — Progressive or Kemper?
Both carriers serve a range of driver profiles. Progressive is best for drivers with violations and multi-policy bundling, 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 Progressive and Kemper?
Consider your priorities: price, coverage breadth, financial strength, customer service, and state availability. Progressive 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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