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

Quick Facts

• Looking at the national averages for insurance, Cse offers significantly more affordable premiums than Kemper
• Cse has cheaper rates for policyholders who may not have much of a commute
• Kemper offers more affordable average premiums for drivers who have less-than-stellar credit

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

Are you in the market for a new insurance policy? After all, you've seen ads from all sorts of companies offering huge discounts. But exactly how much can you save by switching?

You might have narrowed it down to Cse or Kemper for your next policy, but between the two, which company has less expensive prices for car insurance?

Looking at nationwide averages, Kemper has average rates that are about 25% per month more expensive than those from Cse.

However, that doesn't mean Cse will necessarily be cheaper than Kemper for each driver. Insurance companies vary their rates depending on things like where you live, how old you are, how clean your driving record is, how good your credit score is, and a variety of other factors, so premiums could change drastically from person to person.

Wanting to know if Cse 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.

Cse or Kemper: Average Car Insurance Rates by State

Cse and Kemper only compete against each other in California, where Kemper offers the cheaper average prices. For California residents, Kemper offers car insurance for $140 monthly on average. Cse's average premiums come out to be over 20% more expensive, at $175 per month.

But there's more to auto insurance than just the state you live in. As we mentioned above, there's a lot of things that go into how insurance carriers calculate your rates. Keep reading to learn more.

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 other group of drivers. It's because young, inexperienced drivers are statistically much more likely to get into an accident that results in an insurance claim, making them much riskier to insure.

But still, even with seemingly sky-high prices, teen drivers can still find ways to save money. For example, 18-year-old drivers pay an average of nearly $150 less a month by choosing Cse over Kemper. It's worth noting that Kemper offers car insurance in 15 different states compared to Cse's one, which can skew the average rates a bit, but the difference here is still considerable.

Even so, both companies will lower premiums by the time drivers turn 25. For example, average prices for Cse policyholders reduce more than 50% and Kemper's premiums drop over 55% 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 most affordable prices you can find.

When looking at Cse and Kemper specifically, which carrier is best for retired drivers? Cse gets the edge, with rates for drivers 65 and older $51 more affordable than the national average for Kemper.

Which is the Best Company for Married Drivers?

Single policyholders tend to get offered slightly more expensive insurance premiums than married policyholders. That's typically because married couples tend to own and insure more than one car, which can often earn you a discount.

When it comes to relationship status, Cse is the clear winner for those who are single, with rates around $68 per month cheaper than Kemper, on average. The advantage for married drivers with Cse is also obvious, where drivers save almost $50 a month.

Cse vs. Kemper: Average Rates by Gender

Men are statistically more likely than women to get into an accident or get pulled over for speeding. That means when it comes to car insurance men will normally end up paying a little more.

Everyone gets the same monthly prices regardless of gender with Cse, and about 8% more with Kemper.

Looking at overall affordability, Cse comes out on top for both men and women. On average, male drivers save about $69 per month and women save around $50 with Cse compared to the average Kemper policyholder.

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

The two most common policies end up falling into two different types of coverage -- liability only (which provides property damage and bodily injury coverage for other drivers if you cause a collision) and full coverage (which generally refers to having comprehensive and collision coverages in addition to liability coverage).

If you're looking for state minimum liability insurance, Cse usually offers significantly less expensive rates of $81 compared to Kemper's $139. When it comes to full coverage policies with similar limits, Cse again has the edge, with policies about $60 a month more affordable than Kemper, on average.

Is Cse 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 tickets and accidents lead to higher premiums, but which company -- Cse or Kemper -- has the cheapest rates for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

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

But Cse tends to offer the best prices for both drivers who have a recent speeding ticket and those with clean records, offering premiums that are 29% and 26% cheaper, respectively, compared to Kemper.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their insurance through Cse can expect to see about an $53 -- or around 30% -- increase in their auto insurance prices. Drivers who use Kemper for their car insurance will see a monthly bill about $85 (or 33%) more expensive after reporting an accident to their insurance carrier.

Overall, the less expensive rates come from Cse, with monthly prices averaging $176 compared to Kemper's $259.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single accident or ticket when it comes to your car insurance bill. For example, Cse increases average rates by over $100 per month -- that's just under a 50% increase.

Cse has the overall lowest premiums for drivers with a DUI on their records at $241 a month, but it's worth noting that Kemper's average rates come from 15 states compared to just one for Cse, so the data may be skewed slightly.

How does Credit Score Impact Cse and Kemper Rates?

You may not realized it, but your credit score can come into play when companies determine your monthly bill. This isn't always the case (Hawaii, for example, has banned the use of credit score as a rating factor) but it will come into play for lots of drivers.

Auto insurance carriers argue that those with good credit scores are more likely to pay their bills on time each month, which lowers the risk involved on their end, while the opposite is true for those with bad credit.

Looking at Cse and Kemper specifically, which one has the cheapest prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Normally, if you have great credit, you can expect to be rewarded. Jumping from a "good" credit score to an "excellent" one will generally save Kemper customers around 15%. On the other hand, because Cse doesn't have data available for credit scores, they most likely don't use credit to calculate your premiums.

Which Company is Best for Drivers with Bad Credit?

If you have bad credit, it can cost you with Kemper. For drivers with less-than-stellar credit, at Kemper, you may pay about 25% a month more if you have "poor" credit compared to those with "fair" scores. It's an even larger difference when compared to drivers with "good" or "excellent" scores. Because Cse doesn't have data available for credit scores, they could have better rates for drivers with bad credit over Kemper.

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

How much you drive can have a substantial impact on your monthly premiums. Typically, those who drive less will end up with cheaper prices since there's less of a chance of getting into a collision and causing an insurance claim.

For both drivers who put 6,000 miles on their vehicles every year, as well as those who average twice that figure, Cse offers more affordable rates than Kemper. Cse's average premiums for drivers with 6,000 annual miles come in over 30% less expensive than Kemper. Those who drive 12,000 miles yearly can expect to pay nearly 20% less with Cse over Kemper.

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

Where you call home can play a sizable role in how much you pay for insurance. Normally, those who live in rural areas will pay less than drivers in urban areas because there are a lot fewer vehicles on the road in those areas, which reduces the chances of an accident.

Cse boasts the most affordable average rates for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Policyholders in rural ZIP codes see the lowest prices from both companies, but Cse comes out on top with average premiums around $161 monthly. Cse also has more affordable average rates for drivers in urban and suburban ZIP codes -- a 37% and 21% per month respective difference when compared to Kemper policyholders in similar areas.

Cse vs. Kemper Discounts

Regardless of why you might be in the market for a new auto 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 insurance discounts as you can.

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

Below, we've taken a look at all of the different discounts Cse and Kemper offer their customers so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

Kemper blows Cse away when it comes to the sheer amount of discounts available, offering 19 more discounts than Cse.

Both carriers offer many of the same discounts -- like discounts for being a good driver, mature driver discounts, and multi-policy discounts -- but Kemper also offers AAA discounts, ABS discounts, advance quote discounts, and more that Cse does not.

On the flip side, Cse has a couple unique discounts of its own -- employee discounts and goverment employee discounts.

Final Thoughts: Is Cse or Kemper Best for You?

So, we've broken down the average prices for many of the factors car insurance companies look at, and we've shown you all the discounts each carrier offers. But, at the end of the day, which company is the best carrier for you, your vehicle, and your wallet?

Cse might be best for you if....

• You have a speeding ticket on your driving record.
• Your driving record contains an at-fault collision.
• You are over 65 years old and want to save some money on your auto insurance.

Kemper might be best for you if...

• Your credit is less-than-stellar.
• You already have a great credit score.
• You're looking for discounts -- Kemper has the most.

We hope this guide helps you get a good idea of the differences between Cse and Kemper. We also hope we've given you the information you need to make the best 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 a handful of carriers, not just Cse and Kemper. Luckily, Compare.com makes it easy for you to do just that. Simply 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.

Cse vs. Kemper FAQs

Is Cse or Kemper cheaper?

Looking just at the national average rates, Cse is the less expensive of the two carriers, offering average rates of $175 a month compared to $235 for Kemper. That being said, Cse won't necessarily be the cheapest carrier for each policyholder, since there are a range of different variables (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Cse or Kemper?

Sadly, the real answer is "it depends.". One company is not "better" for everyone -- it all depends on the makeup of your unique insurance profile. For example, Cse offers cheaper premiums for drivers with an at-fault accident on their record, while Kemper is more affordable for drivers who have less-than-stellar credit scores.

Why do Cse and Kemper offer me different rates?

Auto insurance companies take a look at many different factors when calculating the prices they charge policyholders. Variables such as your driving record, where your home is, age, gender, and sometimes even things like your credit score can all be taken into consideration. Both Cse and Kemper use different formulas, so each one will most likely offer different premiums. The only real way to see which carrier is the most affordable for you is by comparing personalized quotes from a variety of different carriers.

How do I know if Cse 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 companies 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 carriers in your area. That way, you can guarantee you're getting the cheapest price. And who knows, the best carrier for you might not be Cse 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.