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

Quick Facts

• Based on national averages for insurance, Kemper offers more affordable prices than Chubb
• Chubb offers more affordable rates for residents in California, New York, Pennsylvania, Tennessee, Texas, Washington, and Wisconsin
• Kemper offers more discounts than Chubb

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

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

You've maybe even narrowed it down to Chubb or Kemper as your top options, but which carrier has cheaper premiums for car insurance?

Looking at nationwide averages, Chubb has average rates that are about 19% per month more expensive than those from Kemper.

Even so, Kemper may not be the cheapest or best option for every driver out there. Auto insurance companies use tons of complex algorithms to calculate rates, so depending on how good your credit score is or how old you are (among a range of other factors), you could see wildly different prices from the ones above.

So, if you want to find out which of Chubb or Kemper is really the best for you, keep reading to see average rates for each carrier broken down by lots of different rate factors.

Chubb or Kemper: Average Car Insurance Rates by State

Chubb and Kemper compete against each other in four states, with Kemper offering less expensive premiums to the average driver in all of them. If you live in New York or Washington, Chubb is the more affordable of the two carriers when looking at the overall average prices. Kemper is the cheaper option in California and Wisconsin.

That being said, there are plenty of other factors that go into your insurance payment than just where you live. Continue reading to learn more about how other factors 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 auto insurance than any group on the road. Typically, that's because young, inexperienced 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 car insurance. Just look at the table above -- where 18-year-old drivers who have Kemper for their insurance pay nearly $150 less than those who use Chubb.

However, with both companies, you'll see your rates reduce significantly by the time you turn 25. For example, average premiums for Chubb policyholders decrease almost $350 and Kemper's prices drop around $300 over that time.

Which is the Best Company for Retired Drivers?

When it comes to auto insurance, patience and experience pay off, with drivers around retirement age paying some of the lowest premiums you'll ever see.

But who has the best rates for retired drivers between Chubb and Kemper? Kemper gets the slight edge here, with average prices coming in at about $179 per month compared to Chubb's $187. But the difference is only around 5%, so other variables will likely come into play when determining which company has the most affordable premiums for you.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance rates tend to be 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 car, which can often earn you a discount.

When it comes to relationship status, Kemper is the clear winner for those who are single, with prices about $66 a month more affordable than Chubb, on average. For married couples, the advantage is clear again - Kemper has the edge when it comes to average premiums.

Chubb vs. Kemper: Average Rates by Gender

Men are statistically more likely than women to get into an accident or get pulled over for speeding, which means they'll normally end up paying more for insurance than women.

Women typically pay more than $10 per month less than men with Chubb, and around $19 less with Kemper.

When it comes to the cheapest rates for each gender, Kemper offers the lowest average prices for both men and women, with average rates 18% less for men and 21% cheaper for women.

Chubb 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.

Auto insurance isn't the easiest topic to understand. There are so many different terms and coverages that it can make it pretty confusing to find the right policy.

Even so, most policies that many drivers look at fall into two categories -- liability only (which provides bodily injury and property damage coverage for other drivers and passengers if you cause a collision) and full coverage (which normally refers to having comprehensive and collision coverages alongside what you get with a liability policy).

If you're looking for state minimum liability limits, Kemper usually offers cheaper premiums of $139 compared to Chubb's $169. When it comes to full coverage policies with similar limits, Kemper again has the edge, with policies about $80 a month less expensive than Chubb, on average.

Is Chubb or Kemper Better for Drivers with Spotty Records?

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

It's no secret secret that accidents and tickets lead to higher rates, but which carrier -- Chubb or Kemper -- has the most affordable premiums for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Chubb policyholders can expect their prices to go up an average of $38 per month if they get a ticket, while Kemper generally raises rates around $45 a month, on average.

However, Kemper tends to offer the best prices for drivers both with clean records and with a speeding ticket. Drivers with a clean record can save about $49 per month and drivers with a ticket can save around $42 a month with Kemper.

Which Company is Best for Drivers After an Accident?

Chubb drivers who get in an accident can expect to see their prices rise by just under 25%, while those who have insurance through Kemper will see about a 35% increase.

Overall, drivers who use Kemper end up with the cheaper prices after an accident, with monthly premiums averaging $259 compared to Chubb's $290.

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 insurance bill -- typically a lot more than a collision or speeding ticket. For example, Chubb increases average prices by over $150 per month -- that's just under a 45% increase.

If you have a DUI on your record and are looking for more affordable premiums, Kemper tends to be the much cheaper option with average rates of $287 a month compared to $389 from Chubb.

How does Credit Score Impact Chubb and Kemper Rates?

Often times, your credit score can be used as one of the factors to determine your monthly car insurance premiums. Certain states and companies do not allow for credit score to be used as a rating factor, but it does affect many policyholders out there.

The reasoning auto 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 prices, while those with poor credit will usually be forced to pay more.

So, which company offers the best rates for policyholders with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, you'll usually find a better deal with Chubb. Drivers with "excellent" credit can save 6% compared to Kemper, and those with "good" scores can also expect to see savings -- around $11 or 5% more affordable each month.

Which Company is Best for Drivers with Bad Credit?

If you have bad credit, it can be somewhat of a toss-up as far as which company offers you the best premiums. Drivers with "fair" credit pay about $11 less with Chubb than Kemper, but those whose credit is considered "poor" have it flipped -- saving around $243 a month with Kemper.

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

The amount of time you spend behind the wheel of your car plays a big role in your monthly rates. Generally, those who drive fewer miles will end up with less expensive prices since there's less of a chance of getting into an accident and causing an insurance claim.

Kemper tends to be the cheaper option for both drivers who put 6,000 miles on their vehicles annually, as well as those who average twice that figure. Kemper's average rates for drivers with 6,000 annual miles come in about $52 more affordable than Chubb. Those who drive 12,000 miles every year can expect to pay around $61 less with Kemper over Chubb.

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

Where you park your vehicle can have a pretty big impact on your monthly insurance bill. Normally, policyholders who live in heavily-populated urban areas will pay quite a bit more than rural drivers because of the number of cars that are on the roads in those areas.

Kemper boasts the most affordable average prices for drivers in every type of area, no matter if it's urban, suburban, or rural.

Policyholders in rural ZIP codes see the lowest rates from both companies, but Kemper comes out on top with average premiums about $182 monthly. Kemper also has less expensive average prices for drivers in urban and suburban ZIP codes -- a 18% and 13% per month respective difference when compared to Chubb policyholders in similar areas.

Chubb vs. Kemper Discounts

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

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

Below, we've broken down all of the different discounts offered by both Chubb and Kemper so that you can see which one offers the most discounts and see which ones you might be able to take advantage of.

Kemper blows Chubb away when it comes to the sheer amount of discounts available, offering nine more discounts than Chubb.

There are a couple discounts both carriers offer, but Kemper also offers AAA discounts, advance quote discounts, continuous insurance discounts, and more that Chubb does not.

On the flip side, Chubb has a couple unique discounts of its own -- driver-vehicle combination discounts, occasional operator discounts, vehicle ownership discounts, and more.

Final Thoughts: Is Chubb or Kemper Best for You?

So, you've seen how different variables can affect your auto insurance premiums. We've shown you all the discounts each carrier offers, too. But, at the end of the day, which company is the best company for you, your vehicle, and your wallet?

Kemper might be best for you if....

• Your driving record contains an at-fault accident.
• You care about discounts (Kemper offers the most).
• You're buying insurance for a teen and looking for a wallet-friendly option.

Chubb might be best for you if...

• You live in one of the following states: California, New York, Pennsylvania, Tennessee, Texas, Washington, and Wisconsin.
• You already have a great credit score.

We hope this guide helps you get a better idea of the difference between Chubb and Kemper and that it aids in making a more informed decision about 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 several companies, not just Chubb 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 auto insurance carriers in your area, all in just a few minutes.

Chubb vs. Kemper FAQs

Is Chubb or Kemper cheaper?

Looking just at the national average rates, Kemper is the cheaper of the two companies, offering average rates of $235 a month compared to $291 for Chubb. That being said, Kemper won't necessarily be the most affordable carrier for each driver, since there are many different factors (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Chubb or Kemper?

Unfortunately, the only answer we can give you is "it depends.". No single company is "better" for every driver -- it all comes down to what your unique insurance profile looks like. For example, Kemper offers less expensive prices for drivers with a recent DUI, while Chubb is more affordable for drivers with excellent credit.

Why do Chubb and Kemper offer me different rates?

Auto insurance carriers take a look at quite a few different variables when calculating the premiums they charge drivers. Factors such as your driving record, age, gender, where you call home, and sometimes even things like your credit score can all be taken into consideration. Both Chubb and Kemper use different formulas, so each one will most likely offer different rates. The only real way to see which carrier is the lowest for you is by comparing personalized quotes from a range of different companies.

How do I know if Chubb 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 does all the hard work for you. Just enter your ZIP code and you'll get free quotes from dozens of the best auto insurance companies 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 Chubb 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.