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

How do Allstate and Kemper compare when it comes to auto insurance prices and discounts? If you want to find out which carrier has the best premiums for your unique profile, check out our latest guide below.
Newly insured car driving down the road
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Quick Facts

  • Based on national averages for car insurance, Allstate offers less expensive rates than Kemper
  • Allstate offers more affordable premiums for policyholders who drive fewer than 12,000 miles annually
  • Allstate has more affordable rates for drivers who have below-average credit


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

Are you considering a new insurance policy? With so many ads from all sorts of companies offering large savings, you're probably wondering exactly how much you might be able to save.

You might be considering Allstate or Kemper as your top options, but which one will save you the most?

Allstate Kemper
$199$235

As you can see, Allstate has average rates that are around 15% a month cheaper than those from Kemper when looking at the national average rates for insurance.

However, that doesn't mean Allstate will necessarily be less expensive than Kemper for every driver. After all, car insurance carriers can offer drastically different rates to every driver depending on rating factors like where you call home, your age, your credit score, or even your driving record (among other things). So, at the end of the day, prices from each company will differ quite a bit from person to person.

Wanting to know if Allstate or Kemper is really the right carrier for you? Keep on reading to see how average rates can change based on all of the factors we've mentioned above.

Allstate vs. Kemper: Average Car Insurance Rates by State

State Allstate Kemper
CA$232$140
CO$209$193
CT$215$125
MO$264$266
MT$204$197
NM$174$174
NV$247$234
NY$376$782
OR$246$198
SD$160$165
UT$180$164
VA$132$219
WA$169$174
WI$189$192

Allstate and Kemper compete against each other in 14 states, with Kemper offering cheaper premiums to the average driver in all but six of them. If you live in New York, South Dakota, Virginia, Washington, or Wisconsin, Allstate is the more affordable of the two companies when looking at the overall average prices, but Kemper is the cheaper option in most of the others.

That being said, there's a lot more that goes into your auto insurance bill than just where you live. Continue reading to learn more about how other variables will affect your rates.


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Which is the Best Company For Young Drivers?

Allstate Kemper
18-year-old drivers$448$490
25-year-old drivers$167$213

Teen drivers will almost always have the most expensive car insurance rates of any other group of drivers out there on the road. That's because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

That being said, that doesn't mean teen drivers can't still save money on their insurance. As you can see above, teens who use Allstate save over 10% per month compared to those who use Kemper.

But both carriers will reduce prices by the time drivers turn 25. For example, average premiums for Allstate policyholders lower about $300 and Kemper's prices drop almost $300 over that time.

Which is the Best Company for Retired Drivers?

Allstate Kemper
65+-year-old drivers$152$179

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

So, which company offers the best prices to retired drivers? Allstate gets the edge, with premiums for drivers 65 and older more than 15% cheaper than the national average for Kemper.

Which is the Best Company for Married Drivers?

Allstate Kemper
Single$231$272
Married$155$185

Married policyholders tend to get slightly less expensive car insurance rates than single policyholders. That's usually because married couples tend to own and insure multiple vehicles, which can often earn you a discount.

For those who are single, the difference in average prices between these two companies is significant, with Allstate premiums coming in at around 15% less than Kemper's. The advantage is also clear for married drivers - Allstate offers the cheapest average rates.

Allstate or Kemper: Average Rates by Gender

Allstate Kemper
Male$203$244
Female$194$225

Men are statistically more likely than women to cause a collision and get into accidents. That means when it comes to insurance men will typically end up paying a little more.

Women usually pay about $10 a month less than men with Allstate, and around $19 less with Kemper.

Looking at overall affordability, Allstate comes out as the lowest option for both genders, with average prices $41 less for men and $31 cheaper for women.


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

Allstate Kemper
State Minimum*$108$139
Full Coverage**$289$331

*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 pretty complicated. There are many different coverages that account for several 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 end up falling into two different types of coverage -- liability coverage (which covers the other party's injuries and property damage if you cause an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, alongside liability coverage).

Looking specifically at state minimum limits for liability insurance, Allstate has the edge, with average monthly rates coming in at $108. If you want a full coverage policy with the same state minimum limits, Allstate again has the edge, with policies averaging about $289 per month to Kemper's $331.

Is Allstate 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.

Accidents and speeding tickets will most likely raise your premiums, but is Allstate or Kemper more affordable for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Allstate Kemper
Clean Record$156$174
1 Speeding Ticket$183$219

Policyholders who use Allstate for their auto 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%.

Even so, Allstate has cheaper rates for drivers in both categories. With Allstate, drivers with a clean record can save around $18 a month and drivers with a ticket can save about $36 per month.

Which Company is Best for Drivers After an Accident?

Allstate Kemper
Clean Record$156$174
1 At-Fault Accident$229$259

Both carriers will increase prices pretty significantly if you get into an at-fault collision with Kemper increasing by around 33%. Allstate has a less extreme climb, but you can still expect to pay more than 30% more than you were prior to your first accident.

At the end of the day, Allstate offers the cheapest premiums for drivers with an at-fault collision on their records, with average rates coming in at $229 compared to Kemper's $259.

Which Company is Best for Drivers with a DUI?

Allstate Kemper
Clean Record$156$174
1 DUI$227$287

If you get a DUI charge on your record, it's probably going to cost you more than a simple speeding ticket or even a collision. On average, Kemper will climb your prices about 39% after a DUI, while Allstate's average premiums rise by over 30%.

But if you end up with a DUI charge and are looking for more affordable prices, Allstate tends to be less expensive for the average driver, with monthly premiums coming in at around $227 to Kemper's $287.


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How does Credit Score Impact Allstate and Kemper Rates?

Did you know many car insurance companies take your credit score into account when determining premiums? Certain states and carriers do not allow for credit score to be used as an insurance factor, but it might come into play for several drivers.

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

Looking specifically at Kemper and Allstate, which carrier has the most affordable rates for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Allstate Kemper
Excellent Credit Score$145$175
Good Credit Score$172$208

If you have solid credit, Allstate will generally reward you the most. For policyholders with "excellent" credit scores, Allstate comes in more than 17.14 more affordable. Drivers with "good" credit scores typically save about 17% with Allstate compared to average premiums from Kemper.

Which Company is Best for Drivers with Bad Credit?

Allstate Kemper
Fair Credit Score$203$240
Poor Credit Score$275$323

Allstate typically offers lower rates than Kemper when it comes to drivers with bad credit. Drivers with "fair" credit pay around 15% a month less with Allstate compared to Kemper, and those with "poor" scores generally save an average of about 15% per month.


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

Allstate Kemper
6,000 Annual Miles$197$234
12,000 Annual Miles$200$235

Did you know that the amount of time you spend in your car have a big impact on your monthly car insurance cost? Usually, the more milage you put on your vehicle, the more you can expect to pay for insurance.

Allstate tends to be the less expensive option for both remote workers and those taking short commutes. Allstate's average prices for drivers with 6,000 annual miles come in over 15% more affordable than Kemper. Those who drive 12,000 miles yearly can expect to pay nearly 15% less with Allstate over Kemper.

Allstate or 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 car insurance, but the type of area you live in can have a large impact as well. Typically, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders because of the number of cars that are on the roads where they live.

Allstate Kemper
Urban Areas$222$296
Suburban Areas$199$226
Rural Areas$174$182

Allstate tends to offer the lowest rates for drivers in every type of area, no matter if it's urban, suburban, or rural.

Those in rural areas can expect to save around $8 with Allstate compared to Kemper. People who live in suburban areas pay about $27 less with Allstate compared to Kemper. For drivers in urban ZIP codes, Allstate's average premiums are around $74 less than Kemper.

Allstate 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're eligible for.

Luckily, we did the hard work for you and compared all of the different discounts offered by Allstate and Kemper so that you can see which company can save you the most money each month.

Allstate Kemper
AAA Discount 
ABS Discount
Advance Quote Discount
Agency Transfer Discount 
Alert Driving Discount 
Annual Mileage Discount 
Anti-Theft Discount
Continuous Insurance Discount 
Covid-19 Relief Discount 
Defensive Driver Discount
Distant Student Discount
Drive Wise Discount 
Driver Training Discount
DRL Discount
Economy Car Discount 
EFT Discount
ESC Discount
Farm Discount 
Full Coverage Discount 
Good Driving Discount

Allstate knocks Kemper out of the park when it comes to the sheer number of discounts available, offering 40 different discounts to Kemper's 24.

There are a couple discounts both carriers offer, but Allstate also offers discounts for agency transfer, alert driving, annual mileage, and more.

On the other hand, Kemper has a few proprietary discounts of their own for things like AAA discounts, continuous insurance discounts, full coverage discounts, and more.


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Final Thoughts: Is Allstate or Kemper Best for You?

So, we've broken down the average prices for many of the factors car insurance companies look at, and we've shown you all the discounts each carrier offers. That's all well and good, but when it comes down to it, which company is the right one for you and your specific needs?

Allstate might be best for you if....

  • You have received a ticket within the last few years.
  • You're looking for the best rates on liability only coverage.
  • You're of retirement age and want to take advantage of lower prices.


Kemper might be best for you if...

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

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

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on auto insurance -- comparing quotes from a handful of carriers, not just Allstate and Kemper. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code below and get multiple free quotes from some of the best insurance companies in your area, all in just a few minutes.


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Allstate vs. Kemper FAQs

Is Allstate or Kemper cheaper?

Allstate is the cheaper of the two carriers when looking at national average premiums, with policies averaging $199 per month with Allstate and $235 for Kemper. But that doesn't mean Allstate will be the cheapest carrier for everyone, since there are multiple different variables that are considered when it comes to your auto insurance payment.

Who is better, Allstate or Kemper?

Unfortunately, the answer truly is "it depends.". One company is not necessarily "better" for every policyholder -- it all comes down to what your unique car insurance profile looks like.

Why do Allstate and Kemper offer me different rates?

Insurance companies use lots of different factors when calculating the prices they charge. Variables such as your driving record, where you live, age, gender, and sometimes even things like your credit score can all be used. Both Allstate and Kemper use different formulas, so it's likely they'll offer different premiums. The best way to determine which carrier is the most affordable for you is by comparing personalized quotes from a range of different carriers.

How do I know if Allstate 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 multiple companies 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 information once and you'll get quotes from dozens of your local top car insurance carriers 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 Allstate 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.

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