Accc vs. Kemper: Which Company is the Best Fit for You?

Quick Facts

• Based on national averages for car insurance, Accc offers significantly more affordable premiums than Kemper
• Accc offers less expensive average prices for drivers with a DUI
• Kemper may help you save more money -- they offer more discounts than ACCC Insurance Company

Accc or Kemper: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? You've probably seen commercials and billboards from companies offering big savings, but exactly how much money can you save by switching?

You might be considering Accc or Kemper for your next policy, but which one will offer you cheaper premiums?

Looking at nationwide averages, Accc is quite a bit cheaper than Kemper, with rates averaging $149 a month compared to $235 with Kemper.

However, Accc may not be the most affordable or best option for every driver out there. After all, insurance carriers can offer drastically different rates to every driver depending on rating factors like where you call home, your driving record, your credit score, or even your age (among other things), so premiums will vary quite a bit from person to person.

So, if you want to find out which of Accc or Kemper is really the best for you, keep reading to see average prices for each company broken down by lots of different rate factors.

Accc vs. Kemper: Average Car Insurance Rates by State

Accc and Kemper only compete against each other in one states, with Accc offering more affordable rates to the average driver in all of them. Utah has the most noticable difference, where Accc premiums are $44 less expensive than auto insurance prices at Kemper.

That being said, there's a lot more that goes into your car insurance cost than just the state you live in. Continue reading to see how other variables will affect your rates.

Which is the Best Company For Young Drivers?

You might already know that teen drivers typically pay a lot more for auto insurance than any group out there on the road. That's because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

Even so, that doesn't mean that teen drivers have to just accept sky-high car insurance rates. For example, 18-year-old drivers pay an average of over 45% less per month by choosing Accc over Kemper. It's worth noting that Kemper offers insurance in 15 different states compared to Accc's three, which can skew the average premiums a bit, but the difference here is still considerable.

That being said, both companies will offer you dramatically lower prices by the time you turn 25. For example, average rates for Accc policyholders reduce around $150 and Kemper's prices drop almost $300 over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age normally enjoy some of the cheapest car insurance premiums you'll ever find. After all, they've likely been driving for quite some time, which generally reduces their chances of collisions and other infractions that can raise rates.

When looking at Accc and Kemper specifically, which carrier is best for retired drivers? Accc gets the edge, with prices for drivers 65 and older more than 35% cheaper than the national average for Kemper.

Which is the Best Company for Married Drivers?

Married couples tend to get slightly less expensive insurance premiums than single policyholders. That's usually because married drivers tend to own and insure more than one vehicle, which can often earn you a discount.

For single drivers, the difference in average rates between these two carriers is significant, with Accc premiums coming in at a third less than Kemper's. The advantage is also clear for married policyholders - Accc offers the lowest average rates.

Accc or Kemper: Average Rates by Gender

Women typically to pay less for auto insurance than men. This is because men are statistically more likely than women to get into accidents and file an insurance claim, which leads to increased risk for insurers and, therefore, higher prices.

Men usually pay about 2% more a month than women with Accc, and nearly 10% with Kemper.

Looking at overall affordability, Accc comes out as the most affordable option for both genders. On average, women save about $78 per month and men save around $94 with Accc compared to the average Kemper policyholder.

Accc vs. Kemper: Compare State Minimum vs. Full Coverage Rates

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

For most people, insurance can be pretty complicated. Everyone needs car insurance, but there are so many different terms and coverages that it can be hard to find the right policy for you.

The two most common policies end up falling into two different types of coverage -- liability coverage (which covers the other party's injuries and property damage if you cause a collision) and full coverage (which generally refers to having collision and comprehensive coverages in addition to what you get with liability coverage).

Looking specifically at state minimum liability limits, Accc has the significant edge, with average monthly rates coming in at $95. If you want a full coverage policy with the same state minimum limits, Accc again has the edge, with policies averaging about $202 a month to Kemper's $331.

Is Accc or Kemper Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their auto insurance. But that's not to say you can't save money if you don't have the best driving record, either.

It's no secret secret that collisions and speeding tickets lead to higher prices, but which company -- Accc or Kemper -- has the lowest premiums for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Accc for their insurance can normally expect their monthly bill to go up around 15% after getting a speeding ticket. Kemper policyholders can expect a bit more drastic of an increase of about 21%.

But Accc tends to offer the best prices for both drivers who have clean records and those with a recent ticket, offering prices that are $48 and $71 more affordable, respectively, compared to Kemper.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their car insurance through Accc can expect to see around an $55 -- or about 30% -- rise in their auto insurance rates. Drivers who use Kemper for their insurance will see a monthly bill around $85 (or 33%) more expensive after reporting an accident to their auto insurance carrier.

At the end of the day, drivers who use Accc end up with the cheaper prices after an accident, with average premiums coming in at $181 compared to Kemper's $259.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly car insurance bill -- usually a lot more than a collision or speeding ticket. For example, Kemper increases average prices by more than $100 per month -- that's nearly a 40% increase.

Accc has the overall cheapest rates for drivers with a DUI on their records at $140 monthly, but it's worth noting that Kemper's average rates come from 15 states compared to just three for Accc, so the data may be skewed slightly.

How does Credit Score Impact Accc and Kemper Rates?

Did you know many auto insurance companies take into account your credit score when determining premiums? This isn't true for everyone (for example, Massachusetts and Hawaii are two states that ban the practice entirely), but it will come into play for several drivers.

Insurance carriers argue that someone with good credit is more likely to pay their bills on time, which makes them less risky to insure. Because of that, policyholders with good credit will often be rewarded with cheaper prices.

Looking specifically at Accc and Kemper, which carrier has the best premiums for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, Accc will generally reward you the most. For policyholders with "excellent" credit scores, Accc comes in just under 39.43 less expensive. Drivers with "good" credit scores typically save about 40% with Accc compared to average rates from Kemper.

Which Company is Best for Drivers with Bad Credit?

Accc typically offers lower premiums than Kemper when it comes to drivers with bad credit. Drivers with "fair" credit pay around 36% a month less with Accc compared to Kemper, and those with "poor" scores normally save an average of about 35% a month.

Is Accc or Kemper Better for Drivers who Work from Home or Have Short Commutes?

Did you know that the amount of time you spend in your car have a large impact on your monthly prices? Usually, those who drive fewer miles will end up with more affordable rates since there's less of a chance of causing an accident and filing an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Accc charges. However, there's a small difference in monthly premiums for Kemper, with policyholders who drive 6,000 miles yearly paying around $1 less each month compared to those who drive 12,000 miles annually. Still, for drivers in both categories, Accc is the cheaper company.

Accc or Kemper: Compare Rates for Urban, Suburban, and Rural Drivers

Where you park your car can play a substantial role in how much you pay for car insurance. Typically, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders because of the number of vehicles that are on the roads where they live.

When comparing these two companies side-by-side, Accc generally comes out as the most affordable option for drivers in all areas, regardless of if they're urban, suburban, or rural.

For drivers in urban ZIP codes, ACCC Insurance Company's average rates are about $123 less than Kemper. People who live in suburban areas pay around $83 less with Accc compared to Kemper. Those in rural areas can expect to save about $52 with Accc compared to Kemper.

Accc vs. Kemper Discounts

No matter why you might be in the market for a new auto insurance policy, you're always going to want to save as much money as you can, and the best way to do that is by utilizing as many insurance discounts as possible.

But where do you even start? With so many discounts out there, it may seem challenging to find all the of the ones you qualify for.

Luckily, we did the hard work for you and compared all of the different discounts offered by Accc and Kemper so that you can see which company offers the most discounts and see which ones you might be able to take advantage of.

Kemper blows Accc away when it comes to the sheer amount of discounts available, offering 13 more discounts than Accc.

A couple of those are overlapping for things like anti-theft discounts, EFT discounts, and discounts for being a good student. Kemper also offers discounts for AAA, ABS, advance quote, and more.

On the other hand, Accc has a few proprietary discounts of their own for things like claim free discounts, diminution of value discounts, liability only discounts, and more.

Final Thoughts: Is Accc or Kemper Best for You?

So, we've broken down the average premiums for many of the factors car insurance carriers look at, and we've shown you all the discounts each company offers. That's all well and good, but at the end of the day, which carrier is the right carrier for you and your specific needs?

Accc might be best for you if....

• You want to save money on your auto insurance after a collision.
• Your credit score is high.
• You don't spend much time in your car.

Kemper might be best for you if...

• You are considering moving to another state -- ACCC Insurance Company only offers policies in three states.
• You're looking for the company with the most discounts.

Hopefully, this guide has ben a valuable resource as you compare Accc and Kemper and that you can now make a more informed decision when it comes to your insurance.

At the end of the day, the best way to make sure you're getting the best deal on your car insurance policy is to compare quotes from multiple companies, not just Accc and Kemper. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP codes below and get free quotes from dozens of top insurance carriers in your area, all in just a few minutes.

Accc vs. Kemper FAQs

Is Accc or Kemper cheaper?

Accc is the more affordable of the two companies when looking at national average prices, with policies averaging $149 per month with Accc and $235 for Kemper. Even so, that doesn't mean Accc will be the cheapest carrier for every policyholder, since there are many different variables that are considered when it comes to your auto insurance bill.

Who is better, Accc or Kemper?

Unfortunately, the only answer we can give you is "it depends.". One company is not necessarily "better" for each policyholder -- it all boils down to your unique car insurance profile.

Why do Accc and Kemper offer me different rates?

Insurance carriers use many different factors when calculating the rates they charge. Things like your driving record, where your home is, gender, age, and sometimes even things like your credit score can all be used. Both Accc and Kemper calculate prices differently, so it's likely they'll offer different premiums. The best way to determine which carrier is the lowest for you is by comparing personalized quotes from a variety of different companies.

How do I know if Accc or Kemper is right for me?

The only way to find the auto insurance company that's right for you is by getting quotes from a handful of carriers and finding the one best suited for your individual budget. Luckily, Compare.com makes it easy for you to do just that. Just enter your area information and you'll get quotes from dozens of your local top car insurance companies for free. That way, you can guarantee you're getting the best price. And maybe you'll find that the best carrier for you isn't Accc or Kemper at all, but another you hadn't even thought of!

Methodology

All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.