American Access Casualty Company vs. Kemper: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for insurance, Kemper offers less expensive premiums than American Access Casualty Company
• American Access Casualty Company offers cheaper average rates for policyholders who live in suburban areas
• Kemper offers more affordable premiums for policyholders who live in rural neighborhoods

American Access Casualty Company or Kemper: Which Company has the Cheapest Car Insurance?

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

You might have narrowed it down to American Access Casualty Company or Kemper as potential options, but between the two, which company has more affordable prices for auto insurance?

Looking at nationwide averages, Kemper has average rates that are around 16% a month cheaper than those from American Access Casualty Company.

That being said, Kemper may not be the lowest or best option for every single driver out there. After all, insurance carriers can offer drastically different rates to every driver depending on rating factors like your credit score, your driving record, where you call home, or even your age (among other things), so premiums could vary drastically from person to person.

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

American Access Casualty Company vs. Kemper: Average Car Insurance Rates by State

American Access Casualty Company and Kemper only compete against each other in Nevada, where Kemper offers the cheaper average rates. Kemper drivers tend to pay about $45 per month less on average compared to drivers who use American Access Casualty Company for their car insurance.

But there's more to auto insurance than just where you live. As we mentioned above, there's a lot of things that go into how car insurance companies determine your premiums. Keep reading to learn more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto insurance prices of any other group of drivers. Typically, that's because teen drivers are statistically much more likely to get into an accident that results in an auto insurance claim, making them much riskier to insure.

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 35% less a month by choosing Kemper over American Access Casualty Company.

Even so, both carriers will offer you dramatically lower premiums by the time you turn 25. For example, average rates for American Access Casualty Company policyholders decrease about $500 and Kemper's prices lower around $300 over that time.

Which is the Best Company for Retired Drivers?

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

When looking at American Access Casualty Company and Kemper specifically, which carrier is best for retired drivers? Kemper gets the slight edge, with rates for drivers 65 and older $17 more affordable than the national average for American Access Casualty Company.

Which is the Best Company for Married Drivers?

Did you know that auto insurance prices are normally less expensive for married drivers than they are for single drivers? That's generally because married policyholders tend to own and insure more than one vehicle, which can often earn you a discount.

For those who are single, the difference in average rates between these two companies is significant, with Kemper premiums coming in at a quarter less than American Access Casualty Company's. It's not quite so glaring for married couples, where drivers who use Kemper save about $10 per month.

American Access Casualty Company or Kemper: Average Rates by Gender

Women normally to pay less for insurance than men. This is because men are statistically more likely than women to cause a collision and get into accidents, which leads to increased risk for insurers and, therefore, higher rates.

Women usually pay nearly $30 a month less than men with American Access Casualty Company, and around $19 less with Kemper.

When it comes to the cheapest prices for each gender, Kemper offers the lowest average premiums for both men and women. On average, male drivers save about $49 per month and women save about $40 with Kemper compared to the average American Access Casualty Company policyholder.

American Access Casualty Company 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 can be pretty complicated. There are so many different coverages and limits that it can make it pretty confusing to find the right policy for you.

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 a collision) and full coverage (which includes collision and comprehensive coverages that protect your own car, alongside liability).

Looking specifically at state minimum limits for liability insurance, Kemper has the significant edge, with average monthly rates 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 around $331 a month to American Access Casualty Company's $359.

Is American Access Casualty Company or Kemper Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from auto insurance carriers offering great premiums for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

You'll probably end up paying more with at-fault accidents and speeding 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?

Policyholders who use American Access Casualty Company for their insurance can typically expect their monthly bill to go up about 9% after getting a speeding ticket. Kemper policyholders can expect a bit more drastic of an increase of around 21%.

But Kemper is normally the more affordable option for drivers both with a ticket and with a clean record. With Kemper, drivers with a clean record can save about $63 per month and drivers with a speeding ticket can save around $41 a month.

Which Company is Best for Drivers After an Accident?

American Access Casualty Company drivers who get in an accident can expect to see their rates increase by just under 30%, while those who have insurance through Kemper will see about a 35% increase.

At the end of the day, the less expensive prices come from Kemper, with average premiums coming in at $259 compared to American Access Casualty Company's $332.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single collision or ticket when it comes to your car insurance bill. Kemper drivers usually see a 39% increase in their auto insurance prices after a DUI charge, while American Access Casualty Company will generally climb rates by around 18%.

How does Credit Score Impact American Access Casualty Company and Kemper Rates?

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

The reasoning 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 rates, while those with poor credit will typically be forced to pay more.

Looking specifically at Kemper and American Access Casualty Company, which one has the cheapest premiums 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 American Access Casualty Company or Kemper Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a substantial impact on your monthly prices. Usually, the more milage you drive, 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 American Access Casualty Company charges. However, there's a small difference in monthly premiums for Kemper, with policyholders who drive 6,000 miles each year paying about $1 less every month compared to those who drive 12,000 miles yearly. Still, for drivers in both categories, Kemper is the cheaper company.

American Access Casualty Company or Kemper: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can have a pretty big impact on your monthly auto insurance cost. Normally, those who live in rural areas will pay less than drivers in urban areas since there are a lot fewer vehicles on the road where they live, which reduces the chances of an accident.

Kemper generally comes out as the more affordable option for drivers in rural and urban areas, while American Access Casualty Company wins in suburban areas.

Those in rural areas can expect to save around $100 with Kemper compared to American Access Casualty Company. People who live in suburban areas pay about $81 less with American Access Casualty Company compared to Kemper. For policyholders in urban ZIP codes, Kemper's average rates are around $115 less than American Access Casualty Company.

American Access Casualty Company 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 insurance discounts as possible.

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

Luckily, we did the hard work for you and broke down all of the different discounts offered by both American Access Casualty Company 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 blows American Access Casualty Company away when it comes to the sheer amount of discounts available, offering 24 different discounts to American Access Casualty Company's six.

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

On the other hand, American Access Casualty Company has a proprietary discount of their own -- a prior insurance discounts.

Final Thoughts: Is American Access Casualty Company or Kemper Best for You?

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

Kemper might be best for you if....

• You haven't received any speeding tickets or been in a collision in the last few years.
• You already have a great credit score.
• You have a short drive to work everyday.

American Access Casualty Company might be best for you if...

• Your home is located in the suburbs.

Hopefully, this guide helps you get a better idea of the difference between American Access Casualty Company 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 sure-fire way to make sure you're getting the best deal on your car insurance policy is to compare quotes from several companies, not just American Access Casualty Company and Kemper. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP codes below and get free quotes from dozens of top auto insurance carriers in your area, all in just a few minutes.

American Access Casualty Company vs. Kemper FAQs

Is American Access Casualty Company or Kemper cheaper?

Kemper is the less expensive of the two companies when looking at national average prices, with policies averaging $235 per month with Kemper and $279 for American Access Casualty Company. However, that doesn't mean Kemper will be the cheapest carrier for each driver, since there are multiple different factors that are considered when it comes to your car insurance bill.

Who is better, American Access Casualty Company or Kemper?

Unfortunately, the real answer is "it depends.". No one company is "better" for everyone -- it all depends on what your unique insurance profile looks like. For example, American Access Casualty Company is cheaper for drivers who have less-than-stellar credit scores, while Kemper offers more affordable rates for drivers with an at-fault accident on their record.

Why do American Access Casualty Company and Kemper offer me different rates?

Auto insurance carriers use quite a few different variables when calculating the premiums they charge. Things such as gender, age, where you live, your driving record, and sometimes even things like your credit score can all be used. Both American Access Casualty Company and Kemper calculate rates using different formulas, so it's likely they'll offer different prices. The best way to determine which carrier is the most affordable for you is by comparing personalized quotes from a range of different companies.

How do I know if American Access Casualty Company or Kemper is right for me?

The only way to find the car insurance company that's right for you is by getting quotes from multiple 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 information once 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 best price. And maybe you'll find that the best carrier for you isn't American Access Casualty Company 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.