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

Quick Facts

• Looking at the national averages for insurance, American National offers significantly more affordable prices than Kemper
• American National offers cheaper average premiums for policyholders who live in rural neighborhoods
• Kemper may help you save more money -- they offer more discounts than American National Insurance Company

American National or 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 large savings. But exactly how much can you save by switching?

You've maybe even narrowed it down to American National or Kemper as potential options, but between the two, which one will offer you less expensive rates?

As you can see, Kemper is quite a bit more expensive than American National, with premiums averaging $235 a month compared to just $87 with American National when looking at the national average rates for auto insurance.

However, that doesn't mean American National will necessarily be cheaper than Kemper for each driver. Insurance carriers use a ton of complex algorithms to determine prices, so depending on how clean your driving record is or where you live (among several other factors), you could see wildly different premiums from the ones above.

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

American National vs. Kemper: Average Car Insurance Rates by State

American National and Kemper only compete against each other in one states, with American National offering less expensive prices to the average driver in all of them. Colorado has the most noticable difference, where American National premiums are $106 more affordable than car insurance rates at Kemper.

That being said, there are plenty of other factors that go into your insurance bill than just where you live. Continue reading to see how other variables will affect your rates.

Which is the Best Company For Young Drivers?

You might already know that teen drivers usually pay a lot more for car insurance than any group out there on the road. It's because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But that doesn't mean teen drivers can't still save money on their auto insurance. As you can see above, teens who use American National save almost 60% per month compared to those who use Kemper.

Even so, with both companies, you'll see your prices lower significantly once you turn 25. For example, average premiums for American National policyholders reduce over 60% and Kemper's prices drop more than 55% over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll typically enjoy the lowest insurance rates you'll ever find. You've been on the road for years, and all that experience pays off when it comes to your monthly prices for car insurance.

So, which carrier offers the best rates to retired drivers? American National gets the edge here, with average premiums coming in at around $66 per month compared to Kemper's $179.

Which is the Best Company for Married Drivers?

Married couples tend to get slightly cheaper auto insurance prices than single drivers. That's because policies for married drivers generally cover more than one vehicle, which quite a few carriers will give you a discount for.

For those who are single, the difference in average rates between these two companies is significant, with American National premiums coming in at about a third of Kemper's. For married policyholders, the advantage is clear again - American National has the edge when it comes to average prices.

American National 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 get into accidents and get tickets, which leads to increased risk for insurers and, therefore, higher rates.

On average, women see premiums around 1% a month less with American National, and nearly 10% less with Kemper when compared to their male counterparts.

When it comes to the most affordable rates for each gender, American National offers the cheapest average premiums for both men and women. On average, women save about $138 per month and men save about $156 with American National compared to the average Kemper policyholder.

American National 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.

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

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 a collision) and full coverage (which usually refers to having collision and comprehensive coverages in addition to liability).

Looking specifically at state minimum liability insurance, American National has the significant edge, with average monthly prices coming in at $52. If you want a full coverage policy with the same state minimum limits, American National again has the edge, with policies averaging around $123 a month to Kemper's $331.

Is American National or Kemper Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from car insurance carriers offering great rates 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 speeding tickets and collisions on your record, but which of these two companies offers the most affordable premiums to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use American National for their auto insurance can typically expect their monthly bill to go up about 20% after getting a speeding ticket. Kemper policyholders can expect a bit more drastic of an increase of around 21%.

That being said, American National is generally the more affordable option for drivers both with clean records and with a ticket -- their rates are around 61% less expensive for drivers with clean records and 62% more affordable for those with a ticket.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their insurance through American National can expect to see about an $28 -- or around 29% -- rise in their car insurance prices. Drivers who use Kemper for their auto insurance will see a monthly bill about $85 (or 33%) more expensive after reporting an accident to their insurance company.

At the end of the day, the cheaper premiums come from American National, with average rates coming in at $95 compared to Kemper's $259.

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 auto insurance bill -- normally a lot more than a collision or speeding ticket. For example, Kemper increases average prices by more than $100 per month -- that's nearly a 40% increase.

How does Credit Score Impact American National and Kemper Rates?

You may not realized it, but your credit score can be used as one of the factors to calculate your monthly car insurance rates. Certain states and carriers do not allow for credit score to be used as an auto insurance factor, but it will come into play for several drivers.

Insurance companies 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, policyholders with good credit will often be rewarded with less expensive prices.

So, which carrier offers the best premiums for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is American National 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, those who drive less will end up with more affordable premiums since there's less of a chance of causing an accident and filing an insurance claim.

For both remote workers and those taking short commutes, American National tends to be the cheaper option. Kemper's average prices for drivers with 6,000 annual miles come in just under 65% more expensive than American National. Those who drive 12,000 miles yearly can expect to pay more than 60% more with Kemper over American National.

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

Where you live can have a substantial impact on your monthly car insurance payment. Normally, those who live in rural areas will pay less than policyholders in urban areas since there are a lot fewer cars on the road where they live, which decreases the chances of an accident.

American National boasts the cheapest average premiums for drivers in all areas, regardless of if they're urban, suburban, or rural.

For drivers in urban ZIP codes, American National Insurance Company's average rates are around $192 less than Kemper. People who live in suburban areas pay about $141 less with American National compared to Kemper. Those in rural areas can expect to save around $109 with American National compared to Kemper.

American National vs. Kemper Discounts

No matter why you might be in the market for a new insurance policy, you're always going to want to save as much money as you can. That's where auto insurance discounts comes into play.

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

Luckily, we did the hard work for you and looked at all of the different discounts American National and Kemper offer their customers so that you can find the company that has the most discounts and, therefore, the largest savings.

Kemper blows American National away when it comes to the sheer amount of discounts available, offering 10 more discounts than American National.

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

On the other hand, American National has a few proprietary discounts of their own for things like claim free discounts, COVID-19 relief discount, excess vehicle discounts, and more.

Final Thoughts: Is American National or Kemper Best for You?

So, you've seen how different variables can affect your car insurance prices. We've broken down the different discounts each carrier offers, too. But, at the end of the day, is American National or Kemper the right carrier for you and your specific profile and needs?

American National might be best for you if....

• You have a clean driving record, free of accidents, tickets, or DUIs.
• You have above-average credit.
• You are purchasing your auto insurance with a spouse.

Kemper might be best for you if...

• You value the experience that comes with a large national insurance company.
• You're looking for the carrier with the most discounts.

Hopefully, this guide helps you get a good idea of the differences between American National and Kemper and that you can now make a more informed decision when it comes to your auto 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 multiple companies, not just American National and Kemper. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of the top insurance carriers in your area, all in just a few minutes.

American National vs. Kemper FAQs

Is American National or Kemper cheaper?

American National is the less expensive of the two companies when looking at national average premiums, with policies averaging $87 a month with American National and $235 for Kemper. Even so, that doesn't mean American National will be the lowest company for everyone, since there are multiple different factors (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, American National or Kemper?

Sadly, the real answer is "it depends.". One carrier is not "better" for every policyholder -- it all comes down to what your unique auto insurance profile looks like.

Why do American National and Kemper offer me different rates?

Car insurance carriers use many different variables when determining the rates they charge. Things like where you park your vehicle, where your home is, age, gender, and sometimes even things like your credit score can all come into play. Both American National and Kemper calculate prices using different factors, 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 American National or Kemper is right for me?

The only way to find the insurance carrier that's right for you is by getting quotes from a handful of carriers 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 quotes from dozens of your local top auto insurance companies for free. That way, you can guarantee you're getting the cheapest premium. And maybe you'll find that the best company for you isn't American National 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.