The General vs Kemper — Which Is Better for You?
Wondering whether The 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
The General
Specializing in affordable auto insurance for high-risk drivers.
- ✓High-risk drivers
- ✓SR-22 filings
- ✓No prior insurance
- ✓DUI/DWI records
Kemper
Specialty insurance solutions for underserved markets.
- ✓Non-standard drivers
- ✓Spanish-speaking customers
- ✓Low down payments
- ✓First-time buyers
Key Highlights
Why Choose The General
- •Specializes in high-risk drivers and SR-22 filings
- •Quick online quoting — often under 2 minutes
- •Strong brand recognition for non-standard auto
- •Backed by American Family Insurance Group
Why Choose Kemper
- •Broader market reach including home and renters
- •Bilingual service for Spanish-speaking customers
- •Deep specialty market expertise through Infinity Insurance
- •Flexible payment plans with very low down payments
Which Should You Choose?
Both The General and Kemper are solid choices, but the right one depends on your situation. The General is best known for high-risk drivers, while Kemper stands out for non-standard drivers.
In terms of financial strength, The General holds an AM Best rating of A compared to Kemper's A-. The General offers 1 product while Kemper offers 3 — giving it 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 The General, Kemper, and 40+ other carriers in minutes.
Frequently Asked Questions
Is The General or Kemper cheaper?
Rates vary based on your driving record, location, age, and coverage needs. The 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 — The General or Kemper?
The General offers Auto 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 — The General or Kemper?
Both carriers serve a range of driver profiles. The General is best for high-risk drivers and sr-22 filings, 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 The General and Kemper?
Consider your priorities: price, coverage breadth, financial strength, customer service, and state availability. The 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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