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

Looking for car insurance and wondering if Columbia or Kemper is the right carrier for you? If so, you're probably wondering which company has the lowest premiums or the biggest discounts. Luckily, we've done the heavy lifting for you and compared the two companies to help you find the best deal on your next car insurance policy.
Newly insured car driving down the road
Why You Can Trust Compare.com trust shield

At Compare.com, it's our mission to find simple ways to help our customers save money on the things they need. While we partner with some of the companies and brands we talk about in our articles, all of our content is written and reviewed by our independent editorial team and never influenced by our partnerships. Learn about how we make money, review our editorial standards, and reference our data methodology to learn more about why you can trust Compare.com.

Quick Facts

  • Based on national averages for auto insurance, Columbia offers significantly cheaper prices than Kemper
  • Columbia has more affordable rates for policyholders who live in urban areas
  • Kemper may help you save more money -- they offer more discounts than Columbia Insurance Group


Columbia or Kemper: Which Company has the Cheapest Car Insurance?

So, you're considering switching to a new insurance policy. After all, you've seen ads from all sorts of companies offering hefty savings. But exactly how much can you save by switching?

You might be considering Columbia or Kemper as potential options, but between the two, which company will save you the most?

Columbia Kemper
$150$235

As you can see, Columbia is quite a bit cheaper than Kemper, with premiums averaging $150 a month compared to $235 with Kemper when looking at the national average rates for insurance.

However, that doesn't mean Columbia will necessarily be less expensive than Kemper for each driver. Auto insurance carriers vary their rates depending on things like how clean your driving record is, where you live, how old you are, how good your credit score is, and a variety of other factors, so prices could vary drastically from person to person.

Wanting to know if Columbia 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.

Columbia vs. Kemper: Average Car Insurance Rates by State

State Columbia Kemper
MO$158$266

Columbia and Kemper only compete against each other in one states, with Columbia offering more affordable prices to the average driver in all of them. Missouri has the most noticable difference, where Columbia premiums are $108 cheaper than car insurance rates at Kemper.

That being said, there are plenty of other factors that go into your insurance bill than just the state you live in. Read on to find out more.


Find your best rate in just a few minutes


Which is the Best Company For Young Drivers?

Columbia Kemper
18-year-old drivers$324$490
25-year-old drivers$145$213

Teen drivers will almost always have the most expensive car insurance prices of any group out there on the road. Normally, that's because teen 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 insurance. As you can see above, teens who use Columbia save over 35% per month compared to those who use Kemper. It's worth noting that Kemper offers auto insurance in 15 different states compared to Columbia's two, which can skew the average premiums a bit, but the difference here is still considerable.

Even so, both companies will offer you dramatically lower rates once you turn 25. For example, average premiums for Columbia policyholders lower more than 55% and Kemper's prices decrease over 55% over that time.

Which is the Best Company for Retired Drivers?

Columbia Kemper
65+-year-old drivers$109$179

When it comes to car insurance, patience and experience pay off, with drivers around retirement age paying some of the cheapest premiums you can find.

But who has the best rates for retired drivers between Columbia and Kemper? Columbia gets the edge, with prices for drivers 65 and older almost 40% less expensive than the national average for Kemper.

Which is the Best Company for Married Drivers?

Columbia Kemper
Single$177$272
Married$115$185

Single policyholders tend to get offered slightly more expensive insurance rates than married couples. That's because policies for married policyholders typically cover more than one vehicle, which a lot of carriers will give you a discount for.

For those who are single, the difference in average prices between these two companies is significant, with Columbia premiums coming in at a third less than Kemper's. The advantage for married drivers with Columbia is also obvious, where drivers save around $70 a month.

Columbia or Kemper: Average Rates by Gender

Columbia Kemper
Male$156$244
Female$144$225

Because women are less likely to get into accidents and get tickets, they have a lower chance of filing a claim with insurance. So, women usually pay less for auto insurance than men.

With Columbia, men generally pay nearly 10% more per month than women., and almost 10% with Kemper.

When it comes to the most affordable rates for each gender, Columbia offers the cheapest average prices for both men and women. On average, women save about $81 a month and men save about $88 with Columbia compared to the average Kemper policyholder.


Find your best rate in just a few minutes


Columbia vs. Kemper: Compare State Minimum vs. Full Coverage Rates

Columbia Kemper
State Minimum*$68$139
Full Coverage**$232$331

*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.

Insurance isn't the easiest topic to understand. There are multiple different coverages that account for a variety of different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause a collision.

The two most common policies that drivers look at fall into two categories -- liability coverage (which covers the other party's property damage and injuries if you cause an accident) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to what you get with liability coverage).

Looking specifically at state minimum liability insurance, Columbia has the significant edge, with average monthly premiums coming in at $68. If you want a full coverage policy with the same state minimum limits, Columbia again has the edge, with policies averaging around $232 per month to Kemper's $331.

Is Columbia 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.

You'll probably end up paying more with at-fault collisions and speeding tickets on your record, but which of these two carriers offers the most affordable prices to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Columbia Kemper
Clean Record$104$174
1 Speeding Ticket$118$219

Policyholders who use Columbia for their auto insurance can normally expect their monthly bill to go up about 12% after getting a speeding ticket. Kemper policyholders can expect a bit more drastic of an increase of around 21%.

But Columbia has more affordable rates for drivers in both categories, offering premiums that are 40% and 46% cheaper, respectively, compared to Kemper.

Which Company is Best for Drivers After an Accident?

Columbia Kemper
Clean Record$104$174
1 At-Fault Accident$142$259

Columbia drivers who get in a collision can expect to see their rates climb by just under $40, while those who have insurance through Kemper will see about a $85 increase.

At the end of the day, Columbia offers the lowest prices for drivers with an at-fault collision on their records, with average premiums coming in at $142 compared to Kemper's $259.

Which Company is Best for Drivers with a DUI?

Columbia Kemper
Clean Record$104$174
1 DUI$236$287

If you get a DUI charge on your record, it's probably going to cost you more than a simple ticket or even an accident. Columbia drivers usually see a 56% increase in their car insurance prices after a DUI charge, while Kemper will typically climb rates by around 39%.

Columbia has the overall cheapest premiums for drivers with a DUI on their records at $236 a month, but it's worth noting that Kemper's average rates come from 15 states compared to just two for Columbia, so the data may be skewed slightly.


Find your best rate in just a few minutes


How does Credit Score Impact Columbia and Kemper Rates?

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

The reasoning auto insurance companies use is that drivers with bad credit will be less likely to pay their bills on time; so usually, they'll be asked to pay more, while those with good credit will be rewarded with more affordable premiums.

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

Which Company is Best for Drivers with Good Credit?

Columbia Kemper
Excellent Credit Score$138$175
Good Credit Score$141$208

If you have a great credit score, Columbia will generally reward you the most. For drivers with "excellent" credit scores, Columbia comes in more than 21.14 less expensive. Drivers with "good" credit scores typically save about 32% with Columbia compared to average prices from Kemper.

Which Company is Best for Drivers with Bad Credit?

Columbia Kemper
Fair Credit Score$147$240
Poor Credit Score$174$323

Columbia typically offers lower premiums than Kemper when it comes to drivers with a below average credit score. Drivers with "fair" credit pay around 39% a month less with Columbia compared to Kemper, and those with "poor" scores usually save an average of about 46% per month.


Find your best rate in just a few minutes


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

Columbia Kemper
6,000 Annual Miles$150$234
12,000 Annual Miles$150$235

How much you drive can have a substantial impact on your monthly insurance cost. Normally, those who drive fewer miles will end up with cheaper rates since there's less of a chance of causing a collision 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 Columbia charges. However, there's a small difference in monthly premiums for Kemper, with policyholders who drive the least paying around $1 less every month compared to those who drive 12,000 miles yearly. Still, for drivers in both categories, Columbia is the more affordable carrier.

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

Where you live can have a pretty big impact on your monthly car insurance payment. Generally, if you live in an urban area with more cars on the road, you'll pay a little more for auto insurance, while the opposite is true for people in rural areas.

Columbia Kemper
Urban Areas$169$296
Suburban Areas$152$226
Rural Areas$129$182

When comparing these two carriers side-by-side, Columbia usually comes out as the most affordable option for drivers in every type of area, no matter if it's urban, suburban, or rural.

For drivers in urban ZIP codes, Columbia's average premiums are about $169 per month compared to Kemper's $296. Drivers in suburban ZIP codes pay a monthly rate of around $152 with Columbia compared to $226 with Kemper. Those in rural areas can expect to pay about $129 monthly with Columbia and $182 with Kemper.

Columbia 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 where do you even start? With so many discounts out there, it may seem hard to find all the of the ones you qualify for.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Columbia 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.

Columbia Kemper
AAA Discount 
ABS Discount
Advance Quote Discount 
Anti-Theft Discount
Continuous Insurance Discount 
Defensive Driver Discount
Distant Student Discount
Driver Training Discount
DRL Discount 
Education Discount 
EFT Discount 
Employee Discount 
ESC Discount 
Full Coverage Discount 
Good Driving Discount 
Good Student Discount
Group Discount 
Homeowner Discount
Mature Driver Discount 
Military Discount 

Kemper blows Columbia away when it comes to the sheer amount of discounts available, offering 24 different discounts to Columbia's 11.

Both companies offer several of the same discounts -- like ABS discounts, discounts for being a defensive driver, discounts for getting driver training, and multi-policy discounts -- but Kemper also offers discounts for AAA, advance quote, continuous insurance, and more.

On the other hand, Columbia has a few proprietary discounts of their own like education discounts and employee discounts.


Find your best rate in just a few minutes


Final Thoughts: Is Columbia or Kemper Best for You?

So, we've broken down the average rates 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, is Columbia or Kemper the right one for you and your specific driver profile?

Columbia might be best for you if....

  • You have an at-fault accident on your record.
  • Your home is in a busy urban area.
  • You don't spend much time in your car.


Kemper might be best for you if...

  • You're planning on moving to another state soon -- Columbia Insurance Group is only available in AR and MO.
  • You care about discounts (Kemper offers the most).

Hopefully, this guide helps you get a good idea of the differences between Columbia and Kemper and that it aids in making a more informed decision about your insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on auto insurance -- comparing quotes from multiple companies, not just Columbia 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 carriers in your area, all in just a few minutes.


Find your best rate in just a few minutes


Columbia vs. Kemper FAQs

Is Columbia or Kemper cheaper?

Columbia is the cheaper of the two companies when looking at national average prices, with policies averaging $150 a month with Columbia and $235 for Kemper. However, that doesn't mean Columbia will be the cheapest company for each driver, since there are several different factors that are considered when it comes to your auto insurance bill.

Who is better, Columbia or Kemper?

Sadly, the only answer we can give you is "it depends.". Neither carrier is "better" for everyone -- it all boils down to your unique insurance profile.

Why do Columbia and Kemper offer me different rates?

Car insurance carriers use many different variables when calculating the rates they charge. Things such as where you park your car, age, gender, where your home is, and sometimes even things like your credit score can all be taken into consideration. Both Columbia and Kemper calculate prices differently, so it's likely they'll offer different premiums. The best way to determine which company is the lowest for you is by comparing personalized quotes from lots of different companies.

How do I know if Columbia 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 several 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 car insurance companies for free. That way, you can guarantee you're getting the cheapest price. And maybe you'll find that the best company for you isn't Columbia 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.

About Compare.com

Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.

  • All of Compare.com's content is written and reviewed for accuracy by a team of experienced writers and editors who are experts on the topics they cover.
  • None of Compare.com's content is ever influenced by the companies and brands we partner with.
  • Compare.com's editorial team operates independently of any of the company's partnership or business development interests. We publish unbiased information strictly for the benefit of our readers.
  • All of the content you see on Compare.com is based on comprehensive analysis and all data is gathered and vetted from trustworthy sources.

Learn more about us, our team, and what makes us tick.

Find your best rate in just a few minutes