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

Quick Facts

• Based on national averages for insurance, Kemper offers significantly more affordable rates than Amica Mutual
• Amica Mutual tends to be a much less expensive option for policyholders whose driving record contains an at-fault collision
• Kemper offers cheaper average prices for policyholders who drive fewer than 12,000 miles every year

Amica Mutual or Kemper: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching to a new insurance policy. With so many ads from all sorts of companies offering big savings, you're probably wondering exactly how much you might be able to save.

You might be considering Amica Mutual or Kemper as your top options, but between the two, which one will offer you more affordable premiums?

Looking at the national average rates for both carriers, Kemper has average rates that are around 35% a month cheaper than those from Amica Mutual.

That being said, that doesn't necessarily mean Kemper will be the less expensive option for each driver. After all, auto insurance companies can offer drastically different rates to each driver depending on rating factors like where you call home, your credit score, your driving record, or even your age (among other things), so prices could change drastically from person to person.

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

Amica Mutual vs. Kemper: Average Car Insurance Rates by State

Amica Mutual and Kemper only compete against each other in one states, with Kemper offering more affordable premiums to the average driver in all of them. Connecticut has the most noticable difference, where Kemper rates are $162 less expensive than insurance prices at Amica Mutual.

There's a lot more that goes into your car insurance cost than just the state you live in. Read on to find out 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 other group of drivers. That's usually because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

Even so, that doesn't mean that teen drivers have to just accept sky-high auto insurance premiums. For example, 18-year-old drivers pay an average of over 30% less per month by choosing Kemper over Amica Mutual.

However, both carriers will reduce prices by the time you turn 25. Kemper offers the steepest decrease, with 25-year-olds paying less than half what 18-year-old drivers are charged. Amica Mutual's average rates decrease almost 60% during that same period.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll normally enjoy the most affordable car insurance prices you can find. You've been on the road for years, and all that experience pays off when it comes to your monthly premiums for auto insurance.

When looking at Amica Mutual and Kemper specifically, which carrier is best for retired drivers? Kemper gets the edge, with rates for drivers 65 and older $166 cheaper than the national average for Amica Mutual.

Which is the Best Company for Married Drivers?

Did you know that insurance premiums are generally less expensive for married policyholders than they are for those who are single? That's because policies for married couples normally cover more than one vehicle, which many companies will give you a discount for.

For single drivers, the difference in average prices between these two carriers is significant, with Kemper rates coming in at about 30% less than Amica Mutual's. The advantage for married drivers with Kemper is also obvious, where drivers save nearly 45% a month.

Amica Mutual or Kemper: Average Rates by Gender

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

Typically, men see prices around 2% per month higher with Amica Mutual, and almost 10% with Kemper.

Looking at overall affordability, Kemper comes out as the lowest option for both genders. On average, women save about $131 a month and men save about $118 with Kemper compared to the average Amica Mutual policyholder.

Amica Mutual 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 insurance can be pretty complicated. Everyone needs auto insurance, but there are so many different terms and limits that it can be hard to find the right policy for you.

But most 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 includes two additional coverages -- collision and comprehensive -- in addition to what you get with a liability policy).

Looking specifically at state minimum limits for liability insurance, Kemper has the significant edge, with average monthly premiums 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 per month to Amica Mutual's $508.

Is Amica Mutual or Kemper Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their car insurance. But that's not to say you can't save money if you don't have the best driving record, either.

It's no secret secret that speeding tickets and collisions lead to higher rates, but which company -- Amica Mutual or Kemper -- has the cheapest prices for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Amica Mutual for their 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, Kemper tends to offer the best prices for drivers both with a ticket and with a clean record, offering premiums that are 19% and 18% more affordable, respectively, compared to Amica Mutual Insurance.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their auto insurance through Amica Mutual can expect to see about an $39 -- or around 15% -- rise in their car insurance rates. Drivers who use Kemper for their insurance will see a monthly bill about $85 (or 33%) more expensive after reporting an accident to their auto insurance carrier.

At the end of the day, drivers who use Amica Mutual end up with the cheaper prices after an accident, with average prices coming in at $254 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 speeding ticket or even a collision. On average, Amica Mutual will raise your premiums around 69% after a DUI, while Kemper's average rates rise by nearly 40%.

How does Credit Score Impact Amica Mutual and Kemper Rates?

Often times, your credit score can come into play when companies determine your monthly bill. This isn't true for everyone (Massachusetts, for example, has banned the use of credit score as an auto insurance factor) but it does affect lots of drivers out there.

Car insurance carriers argue that those with poor credit scores are less likely to pay their bills on time every month, which raises the risk involved on their end, while the opposite is true for those with good credit.

Looking specifically at Kemper and Amica Mutual, which carrier has the best 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 Amica Mutual 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 large impact on how much insurance companies will charge for coverage? Generally, those who drive less will end up with cheaper premiums since there's less of a chance of causing an accident and filing an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Amica Mutual charges. However, there's a small difference in monthly rates for Kemper, with policyholders who drive 6,000 miles yearly paying about $1 less each month compared to those who drive 12,000 miles annually. Still, for drivers in both categories, Kemper is the more affordable company.

Amica Mutual 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 auto insurance, but the type of area you live in can have a considerable impact as well. Normally, those who live in urban areas will pay more than drivers in rural areas due to the number of cars that are on the roads where they live.

Kemper tends to offer the lowest rates for drivers in all areas, regardless of if they're urban, suburban, or rural.

Those in rural areas can expect to save around 43% with Kemper compared to Amica Mutual. People who live in suburban areas pay about 35% less with Kemper compared to Amica Mutual. For policyholders in urban ZIP codes, Kemper's average prices are around 27% less than Amica Mutual Insurance.

Amica Mutual vs. Kemper Discounts

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

But with what seems like a million different discounts out there, it can be challenging to find all the ones you can take advantage of or to nail down the company that has the most discounts for your unique driver profile.

Luckily, we did the hard work for you and compared all of the different discounts offered by Amica Mutual and Kemper so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Kemper blows Amica Mutual away when it comes to the sheer amount of discounts available, offering 24 more discounts than Amica Mutual.

Both carriers offer lots of the same discounts -- like -- but Kemper also offers discounts for AAA, ABS, advance quote, and more.

Amica Mutual's discounts come through just.

Final Thoughts: Is Amica Mutual or Kemper Best for You?

You've seen the effect certain variables have on your auto insurance and the different discounts companies offer. That's all well and good, but when it comes down to it, which insurance carrier is the right company for you and your specific needs?

Kemper might be best for you if....

• You have a clean driving record, free of accidents, tickets, or DUIs.
• Your neighborhood is in the suburbs.
• You're married and plan to have both of your names on the vehicle's car insurance policy.

Amica Mutual might be best for you if...

• You want to save money on your insurance after a collision.

Hopefully, this guide has ben a valuable resource as you compare Amica Mutual and Kemper and that it aids in making a more informed decision about your auto 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 Amica Mutual and Kemper. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of the top car insurance companies in your area, all in just a few minutes.

Amica Mutual vs. Kemper FAQs

Is Amica Mutual or Kemper cheaper?

Kemper is the less expensive of the two carriers when looking at national average premiums, with policies averaging $235 a month with Kemper and $359 for Amica Mutual. But that doesn't mean Kemper will be the cheapest company for every driver, since there are many different factors that are considered when it comes to your auto insurance payment.

Who is better, Amica Mutual or Kemper?

Sadly, the answer truly is "it depends.". One carrier is not necessarily "better" for each policyholder -- it all comes down to what your unique car insurance profile looks like. For example, Kemper is cheaper for drivers who have less-than-stellar credit scores, while Amica Mutual offers less expensive prices for drivers with an at-fault accident on their record.

Why do Amica Mutual and Kemper offer me different rates?

Insurance companies use a lot of different variables when determining the rates they charge. Things such as your driving record, age, where you live, gender, and sometimes even things like your credit score can all be used. Both Amica Mutual and Kemper calculate premiums using different formulas, so it's likely they'll offer different rates. The best way to determine which company is the lowest for you is by comparing personalized quotes from several different carriers.

How do I know if Amica Mutual or Kemper is right for me?

The only way to find the auto insurance carrier that's right for you is by getting quotes from multiple companies and finding the one best suited for your individual budget. Luckily, sites like Compare.com do all the hard work for you. Just enter your area information and you'll get quotes from dozens of your local top insurance carriers for free. With those, you can guarantee you're getting the cheapest price. And maybe you'll find that the best company for you isn't Amica Mutual 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.