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

Quick Facts

• Based on national averages for insurance, Alfa Alliance offers cheaper prices than Kemper
• Alfa Alliance offers less expensive average premiums for couples purchasing auto insurance together
• Kemper has more affordable prices for drivers with a DUI charge on their record

Alfa Alliance vs. Kemper: Which Company has the Cheapest Car Insurance?

So, you're considering switching your auto insurance. You've probably seen commercials and billboards from companies offering big discounts, but exactly how much money can you save by switching?

You've maybe even narrowed your search down to Alfa Alliance or Kemper for your next policy, but between the two, which carrier will offer you less expensive premiums?

Looking at the national average rates for both companies, Alfa Alliance is about $41 per month more affordable than Kemper.

That being said, that doesn't necessarily mean Alfa Alliance will be the cheaper option for every driver. Insurance carriers use a variety of complex algorithms to calculate rates, so depending on how clean your driving record is or how good your credit score is (among a multitude of other factors), you could see wildly different prices from the ones above.

Luckily, we've broken down average rates from both Alfa Alliance and Kemper by many different rate factors, so read on to find out which company is the best for you.

Alfa Alliance or Kemper: Average Car Insurance Rates by State

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There are plenty of other factors that go into your car insurance cost than just where you live. Keep reading to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- normally pay a lot for insurance compared to older drivers. That's because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But still, even with seemingly sky-high prices, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Alfa Alliance for their car insurance pay nearly $250 less than those who use Kemper.

But both companies will lower premiums by the time drivers turn 25. For example, average rates for Alfa Alliance policyholders drop almost 15% and Kemper's premiums decrease more than 55% over that time.

Which is the Best Company for Retired Drivers?

When it comes to auto insurance, patience and experience pay off, with drivers around retirement age paying some of the lowest prices out there.

So, which carrier offers the best rates to retired drivers? Alfa Alliance gets the edge here, with average prices coming in at around $155 a month compared to Kemper's $179.

Which is the Best Company for Married Drivers?

Those who are single tend to get offered slightly more expensive car insurance premiums than married policyholders. That's because policies for married drivers typically cover multiple cars, which many carriers will offer you a discount for.

When it comes to relationship status, Alfa Alliance is the clear winner for single drivers, with prices about $63 a month less expensive than Kemper, on average. But for married couples, that advantage is much less clear - Alfa Alliance has the edge when it comes to average premiums , but the difference is only $10.

Alfa Alliance vs. Kemper: Average Rates by Gender

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

Men generally pay around $1 per month more than women with Alfa Alliance, and about $19 more with Kemper.

Looking at overall affordability, Alfa Alliance comes out as the cheapest option for both genders. On average, male drivers save about $49 a month and women save around $31 with Alfa Alliance compared to the average Kemper policyholder.

Alfa Alliance or 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.

It's no secret that auto insurance can be a complicated subject for most people. Everyone needs car insurance, but there are so many different terms and limits that it can be hard to find the right policy.

The two most common policies that many drivers look at fall into two categories -- liability only (which provides bodily injury and property damage coverage for other drivers and their passengers if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to liability).

If you're looking for state minimum liability insurance, Alfa Alliance normally offers significantly cheaper rates of $103 compared to Kemper's $139. When it comes to full coverage policies with similar limits, Alfa Alliance again has the edge, with policies about $45 per month more affordable than Kemper, on average.

Is Alfa Alliance or Kemper Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their auto insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

You'll probably end up paying more with at-fault collisions and tickets on your record, but which of these two companies offers the most affordable prices to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Alfa Alliance policyholders can expect their premiums to go up an average of $23 a month if they get a ticket, while Kemper usually raises rates around $45 per month, on average.

However, Alfa Alliance is typically the cheaper option for both drivers who have clean records and those with a recent speeding ticket -- their rates are around 39% less expensive for drivers with clean records and 41% more affordable for those with a ticket.

Which Company is Best for Drivers After an Accident?

Alfa Alliance drivers who get in a collision can expect to see their prices climb by just under 35%, while those who have insurance through Kemper will see about a 35% increase.

Overall, the cheaper rates come from Alfa Alliance, with monthly premiums averaging $162 compared to Kemper's $259.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge on your record, it's probably going to cost you more than a simple ticket or even an accident. On average, Alfa Alliance will raise your prices around 72% after a DUI, while Kemper's average premiums increase by just under 40%.

How does Credit Score Impact Alfa Alliance and Kemper Rates?

In many cases, your credit score can be used as one of the factors to determine your monthly insurance rates. This isn't always the case (California, for example, has banned the use of credit score as a rating factor) but it will come into play for lots of policyholders.

Car 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, drivers with good credit will often be rewarded with more affordable premiums.

Looking specifically at Kemper and Alfa Alliance, which company has the cheapest prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

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

How much you drive can have a pretty big impact on your monthly rates. Generally, the more miles you put on your vehicle, the more you can expect to pay for coverage.

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

Alfa Alliance vs. Kemper: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can have a substantial impact on your monthly insurance payment. Usually, those who live in urban areas will pay more than drivers in rural areas because there are a lot more vehicles on the roads in those areas.

Looking at these companies side-by-side, Alfa Alliance tends to offer the most affordable option for drivers in rural and urban areas, while Kemper wins in suburban areas.

If you live in a rural area, you can expect to save around 18% with Alfa Alliance compared to Kemper. Drivers in suburban ZIP codes pay about 3% less with Kemper compared to Alfa Alliance. In urban areas, Alfa Alliance Insurance's average prices are around 32% less than Kemper.

Alfa Alliance vs. Kemper Discounts

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

But where do you even start? With what seems like a million different discounts out there, it may be hard to find all the ones you're eligible for.

Below, we've compared all of the different discounts offered by Alfa Alliance and Kemper so that you can see which carrier offers the most discounts and see which ones you might be able to take advantage of.

Kemper knocks Alfa Alliance out of the park when it comes to the sheer number of discounts available, offering 24 different discounts to Alfa Alliance's 24.

Both carriers offer quite a few of the same discounts -- like advance quote discounts, discounts for being a good driver, discounts for being a homeowner, and paid in full discounts -- but Kemper also offers AAA discounts, ABS discounts, anti-theft discounts, and more that Alfa Alliance does not.

On the flip side, Alfa Alliance has a unique discount of its own -- a intra-agency transfer discounts.

Final Thoughts: Is Alfa Alliance or Kemper Best for You?

You've seen the effect certain variables have on your insurance and the different discounts companies offer. That's all well and good, but at the end of the day, which insurance carrier is the right one for you and your specific profile and needs?

Alfa Alliance might be best for you if....

• Your driving record contains an at-fault accident.
• Your home is in a busy urban area.
• You're married and plan to have both of your names on the vehicle's auto insurance policy.

Kemper might be best for you if...

• You have a DUI charge on your record.
• You're looking for the company with the most discounts.
• You live in an suburban area.

We hope this guide helps you get a better idea of the difference between Alfa Alliance and Kemper. We also hope we've given you the information you need to make the best decision when it comes to your car insurance.

At the end of the day, the best way to make sure you're getting the best deal on your insurance policy is to compare quotes from multiple carriers, not just Alfa Alliance and Kemper. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP codes below and get free quotes from dozens of top auto insurance companies in your area, all in just a few minutes.

Alfa Alliance vs. Kemper FAQs

Is Alfa Alliance or Kemper cheaper?

Looking just at the national average rates, Alfa Alliance is the cheaper of the two carriers, offering average rates of $194 a month compared to $235 for Kemper. Even so, Alfa Alliance won't necessarily be the lowest carrier for everyone, since there are several different factors that are considered when it comes to your car insurance bill.

Who is better, Alfa Alliance or Kemper?

Unfortunately, the only answer we can give you is "it depends.". Neither company is "better" for every driver -- it all depends on what your unique insurance profile looks like. For example, Alfa Alliance offers less expensive prices for policyholders with an at-fault collision on their record, while Kemper is more affordable for drivers who have less-than-stellar credit scores.

Why do Alfa Alliance and Kemper offer me different rates?

Car insurance companies take a look at several different variables when calculating the premiums they charge drivers. Factors such as age, where you park your car, your driving record, gender, and sometimes even things like your credit score can all be used. Both Alfa Alliance and Kemper calculate prices using different formulas, so each one will most likely offer different premiums. The only real way to see which carrier is the cheapest for you is by comparing personalized quotes from a range of different carriers.

How do I know if Alfa Alliance 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 companies 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 information once and you'll get free quotes from dozens of the best insurance carriers in your area. With those, you can guarantee you're getting the lowest price. And who knows, the best carrier for you might not be Alfa Alliance or Kemper at all!

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.