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

Quick Facts

• Based on national averages for auto insurance, Cig offers significantly less expensive rates than Kemper
• Cig offers more discounts than Kemper
• Cig offers cheaper average premiums for policyholders who drive a short distance to work everyday

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

So, you're thinking about switching your auto insurance. With so many ads from all sorts of companies offering huge discounts, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed it down to Cig or Kemper, but between the two, which carrier will save you the most?

Looking at the national average rates for both companies, Kemper has average rates that are about 50% per month more expensive than those from Cig.

That being said, Cig may not be the most affordable or best option for every single driver out there. Insurance carriers use a ton of complex algorithms to calculate prices, so depending on how clean your driving record is or how old you are (among a whole bunch of other factors), you could see wildly different premiums from the ones above.

Wanting to know if Cig 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.

Cig or Kemper: Average Car Insurance Rates by State

Cig and Kemper only compete against each other in three states, with Cig offering more affordable prices to the average driver in all of them. Oregon has the most noticable difference, where Cig premiums are over 70% cheaper than auto insurance rates at Kemper.

That being said, there are plenty of other factors that go into your car insurance cost than just where you live. Keep reading to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- normally pay a lot for insurance compared to older drivers. The reason is that young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

Even so, that doesn't mean teen drivers can't still save money on their auto insurance. For example, 18-year-old drivers pay an average of $250 less a month by choosing Cig over Kemper.

But both companies will offer you dramatically lower prices once you turn 25. Kemper offers the steepest reduction, with 25-year-olds paying less than half what 18-year-old drivers are charged. That being said, Cig still has the lowest rates at $119 a month.

Which is the Best Company for Retired Drivers?

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

When looking at Cig and Kemper specifically, which company is best for retired drivers? Cig gets the edge, with rates for drivers 65 and older more than 50% less expensive than the national average for Kemper.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance premiums tend to be more affordable for married policyholders than they are for single drivers. That's typically because married couples tend to own and insure multiple cars, which can often earn you a discount.

When it comes to relationship status, Cig is the clear winner for single policyholders, with prices around $133 per month less expensive than Kemper, on average. The advantage for married drivers with Cig is also obvious, where drivers save over 50% a month.

Cig vs. Kemper: Average Rates by Gender

Because men are more likely to get into accidents and get speeding tickets, they raise the chances of filing a claim with insurance. Therefore, insurance carriers will tend to offer men more expensive rates.

On average, women see premiums about $4 per month more affordable with Cig, and nearly $20 with Kemper.

Looking at overall affordability, Cig comes out as the lowest option for both genders. On average, male drivers save about $123 a month and women save around $108 with Cig compared to the average Kemper policyholder.

Cig 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 can be a complicated subject for most people. Everyone needs insurance, but there are so many different limits and coverages that it can be hard to find the right policy.

The two most common policies that many drivers look at fall into two categories -- liability only (that covers bodily injury and property damage for other drivers and their passengers if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to what you get with liability).

If you're looking for state minimum limits for liability insurance, Cig generally offers significantly cheaper rates of $71 compared to Kemper's $139. When it comes to full coverage policies with similar limits, Cig again has the edge, with policies about $150 per month more affordable than Kemper, on average.

Is Cig or Kemper Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their car insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

At-fault accidents and tickets will most likely raise your prices, but is Cig or Kemper less expensive for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Cig policyholders can expect their premiums to go up an average of $24 a month if they get a ticket, while Kemper typically raises prices around $45 per month, on average.

However, Cig tends to offer the best prices for drivers both with a speeding ticket and with a clean record. Drivers with a clean record can save about $86 a month and drivers with a ticket can save around $107 per month with CIG Insurance.

Which Company is Best for Drivers After an Accident?

Cig drivers who get in a collision can expect to see their premiums rise by over 25%, while those who have insurance through Kemper will see about a 35% increase.

Overall, drivers who use Cig end up with the cheaper prices after an accident, with monthly rates averaging $118 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 an accident. Kemper drivers usually see a 39% raise in their auto insurance premiums after a DUI charge, while Cig will generally climb prices by around 44%.

If you have a DUI on your record and are looking for more affordable rates, Cig tends to be the much cheaper option with average premiums of $157 monthly compared to $287 from Kemper.

How does Credit Score Impact Cig and Kemper Rates?

Did you know that many insurance companies take into account your credit score when calculating rates? This isn't always the case (Massachusetts, for example, has banned the use of credit score as a rating factor) but it will come into play for lots of policyholders.

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

Looking at Cig and Kemper specifically, which company has the best prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, you'll usually find a better deal with Cig. Drivers with "excellent" credit can save over 55% compared to Kemper, and those with "good" scores can also expect to see savings -- about $114 or 55% more affordable each month.

Which Company is Best for Drivers with Bad Credit?

Cig typically offers lower premiums than Kemper when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay around $122 a month less with Cig compared to Kemper, and those with "poor" scores normally save an average of about $151 per month.

Is Cig 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 substantial impact on how much auto insurance companies will charge for coverage? Usually, the more miles you drive, the more you can expect to pay for coverage.

For both drivers who put 6,000 miles on their vehicles every year, as well as those who average twice that figure, Cig offers cheaper prices than Kemper. Kemper's average rates for drivers with 6,000 annual miles come in around 52% more expensive than Cig. Those who drive 12,000 miles annually can expect to pay about 47% more with Kemper over Cig.

Cig vs. 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 sizable impact as well. Generally, if you live in a rural area with fewer cars on the road, you'll pay a little less for insurance, while the opposite is true for people in urban areas.

Cig tends to offer the cheapest premiums for drivers in all areas, regardless of if they're urban, suburban, or rural.

For policyholders in urban ZIP codes, Cig offers prices around $128 monthly compared to Kemper's $296. People who live in suburban ZIP codes can expect to pay about $123 per month for Cig and $226 for Kemper. Lastly, those in rural areas tend to get the lowest premiums from both carriers, with average monthly rates coming in at $106 and $182 for Cig and Kemper respectively.

Cig vs. Kemper Discounts

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

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

Below, we've taken a look at all of the different discounts Cig and Kemper offer their customers so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Overall, Cig comes out ahead with 25 discounts to Kemper's 24.

Both companies offer many of the same discounts -- like advance quote discounts, discounts for being a defensive driver, distant student discounts, and group discounts -- but Cig also offers company car discounts, employee discounts, good payer discounts, and more that Kemper does not.

On the flip side, Kemper has a couple unique discounts of its own -- AAA discounts, continuous insurance discounts, discounts for getting driver training, and more.

Final Thoughts: Is Cig or Kemper Best for You?

You've seen the role certain factors have on your insurance and the different discounts carriers offer. But, at the end of the day, is Cig or Kemper the right one for you and your specific profile and needs?

Cig might be best for you if....

• You've received a ticket for speeding recently and don't want to see your prices increase.
• You're looking for more protection with "full coverage" auto insurance.
• You and your spouse are buying car insurance together.

Kemper might be best for you if...

• You're planning on moving to another state soon -- CIG Insurance is only available in four states.

We hope this guide has ben a valuable resource as you compare Cig 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 several companies, not just Cig and Kemper. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get free quotes from dozens of top car insurance carriers in your area, all in just a few minutes.

Cig vs. Kemper FAQs

Is Cig or Kemper cheaper?

Looking just at the national average premiums, Cig is the less expensive of the two companies, offering average rates of $119 a month compared to $235 for Kemper. Even so, Cig won't necessarily be the cheapest carrier for each driver, since there are a bunch of different variables (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Cig or Kemper?

Sadly, the real answer is "it depends.". Neither company is "better" for everyone -- it all boils down to your unique auto insurance profile.

Why do Cig and Kemper offer me different rates?

Car insurance carriers take a look at several different factors when determining the rates they charge drivers. Things such as gender, age, where you call home, your driving record, and sometimes even things like your credit score can all come into play. Both Cig and Kemper use different formulas, so each one will most likely offer different prices. The only real way to see which carrier is the most affordable for you is by comparing personalized quotes from multiple different companies.

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

The only way to find the insurance company 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 makes it easy for you to do just that. Just enter your area information and you'll get free quotes from dozens of the best auto insurance companies in your area. With those, you can guarantee you're getting the lowest price. And who knows, the best carrier for you might not be Cig 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.