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

Quick Facts

• In general, Alliance United offers slightly less expensive rates than Kemper
• Alliance United tends to be a much cheaper option for residents of urban areas
• Kemper has more affordable prices for residents of suburban areas

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

Are you in the market for a new insurance policy? After all, you've seen ads from all sorts of companies offering huge discounts. But exactly how much can you save by switching?

You might be considering Alliance United or Kemper as potential options, but between the two, which company will save you the most?

Looking at nationwide averages, Alliance United is about $10 per month cheaper than Kemper.

However, that doesn't mean Alliance United will necessarily be more affordable than Kemper for every driver. Car insurance companies use a ton of complex algorithms to calculate premiums, so depending on where you live or how old you are (among a whole bunch of other factors), you could see wildly different prices from the ones above.

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

Alliance United or Kemper: Average Car Insurance Rates by State

Alliance United and Kemper only compete against each other in California, where Kemper offers the cheaper average prices. For California residents, Kemper offers auto insurance for $140 per month on average. Alliance United's average rates come out to be over 60% more expensive, at $225 a month.

That being said, there are plenty of other factors that go into your car insurance bill than just your home state. Keep reading to learn more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers typically pay a lot more for insurance than any group out there on the road. It's normally because young, inexperienced drivers are statistically much more likely to get into an accident that results in a car insurance claim, making them much riskier to insure.

That being said, that doesn't mean that teen drivers have to just accept sky-high auto insurance premiums. As you can see above, teens who use Alliance United save nearly $70 a month compared to those who use Kemper. It's worth noting that Kemper offers insurance in 15 different states compared to Alliance United's one, which can skew the average rates a bit, but the difference here is still considerable.

Even so, with both carriers, you'll see your premiums reduce significantly by the time you turn 25. For example, average prices for Alliance United policyholders lower almost $200 and Kemper's rates decrease around $300 over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age generally enjoy some of the lowest car insurance premiums you can find. After all, they've likely been driving for quite some time, which usually decreases their chances of accidents and other infractions that can increase prices.

But who has the best premiums for retired drivers between Alliance United and Kemper? Kemper gets the slight edge here, with average prices coming in at about $179 monthly compared to Alliance United's $194.

Which is the Best Company for Married Drivers?

Did you know that insurance rates are generally more expensive for those who are single than they are for married couples? That's normally because married policyholders tend to own and insure more than one car, which can often earn you a discount.

When it comes to relationship status, Alliance United is the winner for single policyholders, with premiums around $22 per month less expensive than Kemper, on average.

Alliance United vs. Kemper: Average Rates by Gender

Because men are more likely to get tickets and get into collisions, they raise the chances of filing a claim with insurance. Therefore, insurance companies will tend to offer men more expensive rates.

Everyone gets the same monthly prices regardless of gender with Alliance United, and about 8% more with Kemper.

Looking at the data for each carrier specifically, Alliance United comes out as the cheapest option for both genders. On average, women save about $0 a month and men save around $19 with Alliance United compared to the average Kemper policyholder.

Alliance United 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.

For most people, car insurance isn't the easiest topic to understand. There are so many different limits and coverages that it can make it pretty confusing to find the right policy.

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

In this case, Alliance United offers the lowest average rates for state minimum liability insurance, while Kemper has the edge for full coverage policies with similar coverage limits. Drivers looking for basic state minimum coverage can save around $35 with Alliance United, while full coverage comes out to be about $20 cheaper with Kemper.

Is Alliance United 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.

It's no secret secret that at-fault collisions and tickets lead to higher premiums, but which company -- Alliance United or Kemper -- has the cheapest prices for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Alliance United policyholders can expect their premiums to go up an average of $46 per month if they get a ticket, while Kemper usually raises prices around $45 a month, on average.

But Alliance United tends to offer the best prices for both drivers who have clean records and those with a recent speeding ticket, offering rates that are $35 and $34 more affordable, respectively, compared to Kemper.

Which Company is Best for Drivers After an Accident?

Both carriers will raise prices pretty significantly if you get into an at-fault accident with Alliance United raising by $150. Kemper has a less extreme increase, but you can still expect to pay $85 more than you were prior to your first collision.

Overall, the less expensive rates come from Kemper, with monthly premiums averaging $259 compared to Alliance United's $289.

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 -- normally a lot more than a collision or ticket. Alliance United drivers usually see a 52% raise in their auto insurance prices after a DUI charge, while Kemper will usually climb premiums by about 39%.

Kemper has the overall most affordable rates for drivers with a DUI on their records at $287 per month, but it's worth noting that Kemper's average rates come from 15 states compared to just one for Alliance United, so the data may be skewed slightly.

How does Credit Score Impact Alliance United and Kemper Rates?

Did you know that many insurance companies take your credit score into account when calculating premiums? This isn't always the case (Massachusetts, for example, has banned the use of credit score as a rating factor) but it does affect quite a few policyholders out there.

Car insurance carriers argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, drivers with bad credit will often be forced to pay more.

So, which carrier offers the lowest rates for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

If you have fantastic credit, Kemper will typically reward you. Improving your "good" credit score to an "excellent" one will generally save Kemper customers around 15%. On the other hand, Alliance United doesn't have data available for credit scores, which means they most likely don't use credit to calculate your prices.

Which Company is Best for Drivers with Bad Credit?

If you have bad credit, it can cost you with Kemper. If your credit score is in the "poor" range, at Kemper, you may pay about 25% more per month compared to those with "fair" scores (and even more compared to drivers with good or excellent scores). On the other hand, Alliance United doesn't have data available for credit scores, which means drivers with bad credit could find better rates with Alliance United over Kemper.

Is Alliance United 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 substantial impact on your monthly auto insurance payment? That's because the fewer miles you put on your vehicle, the less likely you are to get into an accident and cause an insurance claim.

Looking specifically at Alliance United and Kemper, Alliance United is the more affordable option for people who work from home, while Alliance United has better premiums for those with short commutes. Kemper's average prices for drivers with 6,000 annual miles come in $20 more expensive than Alliance United. Those who drive 12,000 miles each year can expect to pay $2 more with Alliance United over Kemper.

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

We've already mentioned how your home state can play a role in how much you pay for insurance, but the type of area you live in can have a pretty big impact as well. Usually, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders because there are a lot more cars on the roads in those areas.

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

If you live in a rural area, you can expect to pay around $182 a month with Kemper and $206 with Alliance United. People in suburban areas pay a monthly premium of about $226 with Kemper compared to $239 with Alliance United. For drivers in urban ZIP codes, Alliance United's average prices are around $230 while Kemper offers rates about $296.

Alliance United vs. Kemper Discounts

Regardless of 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 possible, and the best way to do that is by utilizing as many insurance discounts as you can.

The hard part is finding all of the discounts you qualify for, since it can feel sometimes like every carrier has different discounts and each one is advertised differently.

In the section below, we've taken a look at all of the different discounts Alliance United and Kemper offer their customers so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

Kemper knocks Alliance United out of the park when it comes to the sheer number of discounts available, offering 21 more discounts than Alliance United.

Both carriers offer quite a few of the same discounts -- like discounts for being a defensive driver, discounts for being a good driver, and renewal discounts -- but Kemper also offers AAA discounts, ABS discounts, advance quote discounts, and more that Alliance United does not.

Alliance United's discounts come through just three categories -- Defensive Driver, Good Driving, and Renewal Discount.

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

You've seen the effect certain factors have on your car insurance and the different discounts companies offer. But, when it comes down to it, which insurance company is the best carrier for you and your specific profile and needs?

Kemper might be best for you if....

• Your driving record contains an at-fault accident.
• Your neighborhood is in the suburbs.
• You drive fewer than 12,000 miles yearly.

Alliance United might be best for you if...

• You haven't received any speeding tickets or been in a collision in the last few years.
• You have a speeding ticket on your driving record.
• You're buying auto insurance for a teen and looking for a wallet-friendly option.

We hope this guide helps you get a better idea of the difference between Alliance United 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 sure-fire way to make sure you're getting the best deal on your insurance policy is to compare quotes from a handful of carriers, not just Alliance United 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 car insurance companies in your area, all in just a few minutes.

Alliance United vs. Kemper FAQs

Is Alliance United or Kemper cheaper?

Looking just at the national average premiums, Alliance United is the less expensive of the two carriers, offering average rates of $225 a month compared to $235 for Kemper. That being said, Alliance United won't necessarily be the most affordable carrier for every policyholder, since there are lots of different variables (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Alliance United or Kemper?

Sadly, the real answer is "it depends.". One company is not "better" for everyone -- it all boils down to your unique auto insurance profile. For example, Alliance United offers cheaper rates for single drivers, while Kemper is more affordable for drivers who have already retired.

Why do Alliance United and Kemper offer me different rates?

Insurance companies take a look at many different factors when determining the premiums they charge policyholders. Variables such as your driving record, where you live, age, gender, and sometimes even things like your credit score can all be used. Both Alliance United and Kemper calculate prices using different formulas, so each one will most likely offer different rates. The only real way to see which carrier is the cheapest for you is by comparing personalized quotes from a bunch of different carriers.

How do I know if Alliance United 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 several companies and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your information once and you'll get free quotes from dozens of the best insurance carriers in your area. That way, you can guarantee you're getting the best rate. And who knows, the best carrier for you might not be Alliance United 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.