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

Quick Facts

• In general, Kemper offers significantly cheaper premiums than Acuity
• Kemper offers more affordable average prices for policyholders who drive fewer than 6,000 miles annually
• Kemper tends to be a much less expensive option for policyholders whose driving record contains an at-fault collision

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

So, you're thinking about switching to a new insurance policy. You've probably seen commercials and billboards from companies offering large savings, but exactly how much money can you save by switching?

You might have narrowed your search down to Acuity or Kemper, but which company will offer you cheaper premiums?

Looking at nationwide averages, Acuity has average rates that are around 25% a month more expensive than those from Kemper.

However, that doesn't mean Kemper will necessarily be more affordable than Acuity for every driver. Insurance carriers vary their rates depending on things like how good your credit score is, where you live, how clean your driving record is, how old you are, and a ton of other factors, so prices will vary quite a bit from person to person.

Luckily, we've broken down average premiums from both Acuity and Kemper by multiple different rate factors, so read on to find out which carrier is the best for you.

Acuity vs. Kemper: Average Car Insurance Rates by State

Acuity and Kemper only compete against each other in two states, with Kemper offering less expensive rates to the average driver in all of them. Colorado has the most noticable difference, where Kemper prices are $189 cheaper than car insurance rates at Acuity.

But there's more to calculating auto insurance premiums than just the state you live in. Read on to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive insurance prices of any other group of drivers. That's because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But still, even with seemingly sky-high rates, teen drivers can still find ways to save money. For example, 18-year-old drivers pay an average of almost 50% less per month by choosing Kemper over Acuity.

Even so, both companies will offer you dramatically lower premiums once you turn 25. For example, average prices for Acuity policyholders reduce about $500 and Kemper's rates drop around $300 over that time.

Which is the Best Company for Retired Drivers?

When it comes to car insurance, patience and experience pay off, with drivers around retirement age paying some of the lowest premiums you can find.

So, which company offers the best prices to retired drivers? In this case, Kemper has the slight edge, with rates about $4 a month less than Acuity. But the difference is only around 5%, so other variables (like where you live or your credit score) will likely come into play when determining which carrier has the most affordable prices for you.

Which is the Best Company for Married Drivers?

Single drivers tend to get offered slightly more expensive auto insurance premiums than married drivers. This usually boils down to married couples having multiple vehicles on their policy -- something a lot of insurance carriers will reward with discounts.

For those who are single, the difference in average rates between these two companies is significant, with Kemper premiums coming in at a third less than Acuity's. It's not quite so glaring for married policyholders, where drivers who use Kemper save about 5% per month.

Acuity or Kemper: Average Rates by Gender

Men are statistically more likely than women to get into accidents and get speeding tickets, which means they'll usually end up paying more for auto insurance than women.

With Acuity, men typically pay around 6% more a month than women., and about 8% more with Kemper.

When it comes to the cheapest prices for each gender, Kemper offers the most affordable average rates for both men and women. On average, women save about $79 per month and men save around $79 with Kemper compared to the average Acuity policyholder.

Acuity 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, car insurance isn't the easiest topic to understand. There are lots of different coverages that account for a bunch of different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause a collision.

The two most common policies that drivers look at fall into two categories -- liability coverage (which provides bodily injury and property damage coverage for other drivers and passengers if you cause an accident) and full coverage (which generally refers to having collision and comprehensive coverages alongside what you get with a liability policy).

Looking specifically at state minimum liability insurance, Kemper has the edge, with average monthly premiums coming in at $139. If you want a full coverage policy with the same state minimum limits, Kemper again has the edge, with policies averaging about $331 a month to Acuity's $454.

Is Acuity or Kemper Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their 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 speeding tickets and at-fault collisions lead to higher prices, but which company -- Acuity or Kemper -- has the lowest premiums for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Acuity for their auto insurance can normally expect their monthly bill to go up around 29% after getting a speeding ticket. Kemper policyholders can expect a less drastic increase of about 21%.

That being said, Kemper is typically the less expensive option for both drivers who have a recent ticket and those with clean records, offering rates that are $55 and $104 more affordable, respectively, compared to Acuity Insurance.

Which Company is Best for Drivers After an Accident?

Acuity drivers who get in a collision can expect to see their prices increase by over $100, while those who have insurance through Kemper will see around a $85 increase.

At the end of the day, the cheaper rates come from Kemper, with average premiums coming in at $259 compared to Acuity Insurance's $344.

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 an accident or speeding ticket. Acuity drivers usually see a 36% raise in their insurance prices after a DUI charge, while Kemper will generally increase rates by about 39%.

How does Credit Score Impact Acuity and Kemper Rates?

Often times, your credit score can come into play when carriers determine your monthly bill. Certain states and companies do not allow for credit score to be used as a car insurance factor, but it might come into play for several policyholders.

The reasoning car insurance carriers use is that drivers with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper premiums, while those with poor credit will normally be forced to pay more.

So, which carrier offers the best prices for policyholders with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

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

The amount of time you spend behind the wheel of your car plays a big role in how much auto insurance companies will charge for coverage. Typically, those who drive less will end up with more affordable premiums since there's less of a chance of causing a collision and filing an insurance claim.

Kemper tends to be the less expensive option for both remote workers and those taking short commutes. Kemper average rates for drivers with 6,000 annual miles come in nearly $65 cheaper than Acuity. Those who drive 12,000 miles every year can expect to pay $95 less with Kemper over Acuity.

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

Where your home is can play a large role in how much you pay for insurance. Generally, drivers who live in less densely populated rural areas will pay quite a bit less than urban policyholders since there are a lot fewer cars on the roads where they live.

When comparing these two carriers side-by-side, Kemper usually comes out as the cheapest option for drivers in every type of area, no matter if it's urban, suburban, or rural.

For drivers in urban ZIP codes, Kemper's average prices are around 21% less than Acuity Insurance. People who live in suburban areas pay about 28% less with Kemper compared to Acuity. Those in rural areas can expect to save around 28% with Kemper compared to Acuity.

Acuity vs. Kemper Discounts

You want to save as much money as you can, right? The best way to do that is by taking advantage of as many car insurance discounts as possible.

But with what seems like a million different discounts out there, it can be hard to find all the ones you're eligible for or to nail down the company that has the most discounts for your unique driver profile.

Luckily, we did the hard work for you and looked at all of the different discounts Acuity and Kemper offer their customers so that you can see which carrier offers the most discounts and see which ones you might be able to take advantage of.

Kemper blows Acuity away when it comes to the sheer amount of discounts available, offering 24 different discounts to Acuity's nine.

There are a couple discounts both companies offer, but Kemper also offers discounts for AAA, ABS, advance quote, and more.

On the other hand, Acuity has a few proprietary discounts of their own like college graduate discounts and COVID-19 relief discount.

Final Thoughts: Is Acuity or Kemper Best for You?

So, we've broken down the average premiums for many of the factors auto insurance carriers look at, and walked through the different discounts each carrier offers, too. That's all well and good, but when it comes down to it, is Acuity or Kemper the best fit for you?

Kemper might be best for you if....

• Your driving record includes a DUI charge.
• Your neighborhood is in a city.
• You live in a rural area.

Acuity might be best for you if...

• You have a more unique driver profile than those we mentioned above.

Hopefully, this guide helps you get a better idea of the difference between Acuity and Kemper. We also hope we've given you the information you need to make the best 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 several companies, not just Acuity and Kemper. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP codes below and get multiple quotes from some of the best auto insurance carriers in your area, all for free.

Acuity vs. Kemper FAQs

Is Acuity or Kemper cheaper?

Kemper is the more affordable of the two companies when looking at national average rates, with policies averaging $235 per month with Kemper and $313 for Acuity. But that doesn't mean Kemper will be the lowest company for everyone, since there are many different variables (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Acuity or Kemper?

Sadly, the only answer we can give you is "it depends.". One carrier is not necessarily "better" for each policyholder -- it all depends on the makeup of your unique insurance profile.

Why do Acuity and Kemper offer me different rates?

Car insurance carriers use many different factors when determining the prices they charge. Variables such as gender, age, where you live, your driving record, and sometimes even things like your credit score can all be taken into consideration. Both Acuity and Kemper calculate rates using different formulas, so it's likely they'll offer different premiums. The best way to determine which company is the most affordable for you is by comparing personalized quotes from a variety of different companies.

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

The only way to find the insurance carrier that's right for you is by getting quotes from multiple carriers and finding the one best suited for your individual budget. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code and you'll get quotes from dozens of your local top auto insurance companies for free. With those, you can guarantee you're getting the cheapest rate. And maybe you'll find that the best company for you isn't Acuity 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.