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

Quick Facts

• Based on national averages for car insurance, Country Financial offers significantly less expensive prices than Kemper
• Country Financial offers more affordable rates for couples purchasing insurance together
• Kemper offers more discounts than COUNTRY Financial

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

Are you considering a new insurance policy? With so many ads from all sorts of companies offering big discounts, you're probably wondering exactly how much you might be able to save.

You might have narrowed your search down to Country Financial or Kemper for your next policy, but between the two, which one has more affordable prices for auto insurance?

As you can see, Country Financial is quite a bit cheaper than Kemper, with premiums averaging $138 per month compared to $235 with Kemper when looking at the national average rates for car insurance.

That being said, Country Financial may not be the most affordable or best option for every single driver out there. After all, insurance companies can offer drastically different rates to each driver depending on rating factors like your age, your driving record, where you call home, or even your credit score (among other things), so rates will differ quite a bit from person to person.

Luckily, we've broken down average prices from both Country Financial and Kemper by several different rate factors, so read on to find out which carrier is the best for you.

Country Financial or Kemper: Average Car Insurance Rates by State

Country Financial and Kemper only compete against each other in two states, with Country Financial offering cheaper rates to the average driver in all of them. Nevada has the most noticable difference, where Country Financial premiums are over 70% more affordable than car insurance rates at Kemper.

But there's more to auto insurance than just where you call home. As we mentioned above, there's a lot of things that go into how car insurance carriers calculate your premiums. Keep reading to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- typically pay a lot for auto insurance compared to older drivers. That's usually because young, inexperienced drivers are statistically much more likely to get into an accident that results in an auto insurance claim, making them much riskier to insure.

Even so, that doesn't mean that teen drivers have to just accept sky-high insurance prices. For example, 18-year-old drivers pay an average of nearly $250 less a month by choosing Country Financial over Kemper.

But both companies will decrease premiums 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. That being said, Country Financial still has the lowest prices at $139 a month.

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 cheapest rates you'll ever see.

But who has the best prices for retired drivers between Country Financial and Kemper? Country Financial gets the edge, with premiums for drivers 65 and older $74 less expensive than the national average for Kemper.

Which is the Best Company for Married Drivers?

Did you know that insurance rates are normally more expensive for single drivers than they are for married policyholders? That's because policies for married couples generally cover more than one car, which many carriers will offer you a discount for.

When it comes to relationship status, Country Financial is the clear winner for those who are single, with premiums about $112 per month cheaper than Kemper, on average. The advantage for married drivers with Country Financial is also obvious, where drivers save more than 40% a month.

Country Financial vs. Kemper: Average Rates by Gender

Men tend to pay more for car insurance than women. This is because men are more likely to get tickets and get into collisions, which increases the chances of an insurance claim.

Men normally pay around 2% more per month than women with Country Financial, and almost 10% with Kemper.

Looking at overall affordability, Country Financial comes out as the most affordable option for both genders, with average prices $104 less for men and $88 cheaper for women.

Country Financial 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.

For most people, insurance isn't the easiest topic to understand. There are so many different terms and limits that it can make it pretty confusing to find the right policy.

However, 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 an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to what you get with a liability policy).

If you're looking for state minimum limits for liability insurance, Country Financial generally offers significantly less expensive rates of $82 compared to Kemper's $139. When it comes to full coverage policies with similar limits, Country Financial again has the edge, with policies about $150 a month cheaper than Kemper, on average.

Is Country Financial or Kemper Better for Drivers with Spotty Records?

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

You'll probably end up paying more with accidents and tickets on your record, but which of these two companies offers the cheapest prices to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Country Financial policyholders can expect their rates to go up an average of $31 per month if they get a ticket, while Kemper usually raises premiums around $45 a month, on average.

That being said, Country Financial has more affordable prices for drivers in both categories, offering premiums that are 40% and 38% less expensive, respectively, compared to Kemper.

Which Company is Best for Drivers After an Accident?

Both carriers will increase rates pretty significantly if you get into an at-fault accident with Kemper climbing by $85. Country Financial has a less extreme climb, but you can still expect to pay over $40 more than you were prior to your first collision.

Overall, Country Financial offers the lowest premiums for drivers with an at-fault accident on their records, with monthly prices averaging $147 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. For example, Kemper increases average rates by more than $100 per month -- that's just under a 40% increase.

If you have a DUI on your record and are looking for more affordable prices, Country Financial tends to be the much more affordable option with average premiums of $165 monthly compared to $287 from Kemper.

How does Credit Score Impact Country Financial and Kemper Rates?

Did you know that many car insurance companies take into account your credit score when calculating rates? This isn't always the case (for example, Michigan and California are two states that ban the practice entirely), but it might come into play for a lot of drivers.

The reasoning auto insurance carriers use is that policyholders with bad credit will be less likely to pay their bills on time; so typically, they'll be asked to pay more, while those with good credit will be rewarded with cheaper prices.

Looking specifically at Kemper and Country Financial, which company has the cheapest rates for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have great credit, you'll usually find a better deal with Country Financial. Policyholders with "excellent" credit can save nearly 35% compared to Kemper, and those with "good" scores can also expect to see savings -- about $87 or 42% more affordable every month.

Which Company is Best for Drivers with Bad Credit?

Country Financial typically offers lower premiums than Kemper when it comes to drivers with bad credit. Drivers with "fair" credit pay around $113 a month less with Country Financial compared to Kemper, and those with "poor" scores generally save an average of about $135 per month.

Is Country Financial 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 insurance payment. That's because the fewer miles you put on your vehicle, the less likely you are to get into an accident and cause an insurance claim.

For both drivers who put 6,000 miles on their vehicles each year, as well as those who average twice that figure, Country Financial tends to be the less expensive option. Country Financial's average rates for drivers with 6,000 annual miles come in around $97 cheaper than Kemper. Those who drive 12,000 miles yearly can expect to pay about $96 less with Country Financial over Kemper.

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

Where you park your car can play a big role in how much you pay for car insurance. Usually, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders because of the number of vehicles that are on the roads in those areas.

Country Financial tends to offer the most affordable premiums for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Drivers in rural ZIP codes see the lowest prices from both companies, but Country Financial comes out on top with average rates around $109 monthly. Country Financial also has less expensive average prices for policyholders in urban and suburban ZIP codes -- a $121 and $95 per month respective difference when compared to Kemper drivers in similar areas.

Country Financial vs. Kemper Discounts

Regardless of why you might be in the market for a new insurance policy, you're always going to want to save as much money as possible, and the best way to do that is by taking advantage of as many car insurance discounts as you can.

But where do you even start? With what seems like a million different discounts out there, it may be difficult to find all the ones you qualify for.

In the section below, we've compared all of the different discounts offered by Country Financial 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.

Kemper blows Country Financial away when it comes to the sheer amount of discounts available, offering 24 different discounts to Country Financial's 10.

There are a couple discounts both carriers offer, but Kemper also offers AAA discounts, ABS discounts, advance quote discounts, and more that Country Financial does not.

On the flip side, Country Financial has a couple unique discounts of its own -- occupation discounts, simply drive discounts, and telematics discounts.

Final Thoughts: Is Country Financial or Kemper Best for You?

You've seen the effect certain factors have on your auto insurance and the different discounts companies offer. That's all well and good, but at the end of the day, which insurance carrier is the best one for you and your specific profile and needs?

Country Financial might be best for you if....

• You have received a ticket within the last few years.
• You want basic insurance coverage at the state minimum limits.
• You're buying auto insurance for a teen and looking for a wallet-friendly option.

Kemper might be best for you if...

• You are considering moving to another state -- COUNTRY Financial only offers policies in seven states.
• You care about discounts (Kemper offers the most).

We hope this guide has ben a valuable resource as you compare Country Financial and Kemper and that it aids in making a more informed decision about your car 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 a handful of carriers, not just Country Financial and Kemper. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP codes below and get multiple quotes from some of the best insurance companies in your area, all for free.

Country Financial vs. Kemper FAQs

Is Country Financial or Kemper cheaper?

Looking just at the national average premiums, Country Financial is the more affordable of the two carriers, offering average rates of $138 a month compared to $235 for Kemper. Even so, Country Financial won't necessarily be the most affordable company for every policyholder, since there are a bunch of different variables that are considered when it comes to your car insurance cost.

Who is better, Country Financial or Kemper?

Sadly, the answer truly is "it depends.". No single carrier is "better" for each driver -- it all boils down to your unique insurance profile.

Why do Country Financial and Kemper offer me different rates?

Auto insurance companies take a look at lots of different factors when determining the rates they charge policyholders. Things such as gender, age, your driving record, where your home is, and sometimes even things like your credit score can all be used. Both Country Financial and Kemper calculate premiums using different formulas, so each one will most likely offer different prices. The only real way to see which company is the cheapest for you is by comparing personalized quotes from multiple different carriers.

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

The only way to find the car 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 free quotes from dozens of the best insurance carriers in your area. That way, you can guarantee you're getting the best price. And who knows, the best company for you might not be Country Financial 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.