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

Quick Facts

• Looking at the national averages for insurance, Cumberland Mutual offers more affordable rates than Kemper
• Cumberland Mutual offers more affordable premiums for policyholders who live in suburban areas
• Kemper offers more discounts than Cumberland Mutual

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

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

You might have narrowed it down to Cumberland Mutual or Kemper, but between the two, which company has cheaper rates for auto insurance?

Looking at nationwide averages, Cumberland Mutual has average rates that are about 18% per month less expensive than those from Kemper.

That being said, Cumberland Mutual may not be the cheapest or best option for each driver out there. Car insurance companies vary their premiums 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 ton of other factors, so prices could change drastically from person to person.

So, if you want to find out which of Cumberland Mutual or Kemper is really the best for you, keep reading to see average premiums for each company broken down by multiple different rate factors.

Cumberland Mutual or Kemper: Average Car Insurance Rates by State

Cumberland Mutual and Kemper only compete against each other in one states, with Kemper offering cheaper rates to the average driver in all of them. Maryland has the most noticable difference, where Kemper prices are less expensive than insurance premiums at Cumberland Mutual.

There are plenty of other factors that go into your auto insurance payment than just where you live. Keep reading to learn more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers generally pay a lot more for car insurance than any group out there on the road. Usually, that's because young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

Even so, that doesn't mean teen drivers can't still save money on their insurance. For example, 18-year-old drivers pay an average of $40 less a month by choosing Cumberland Mutual over Kemper.

But both carriers will drop rates by the time you turn 25. For example, average prices for Cumberland Mutual policyholders reduce more than 55% and Kemper's premiums lower over 55% over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age typically enjoy some of the most affordable auto insurance rates you'll ever find. After all, they've likely been driving for quite some time, which normally reduces their chances of accidents and other infractions that can increase prices.

When looking at Cumberland Mutual and Kemper specifically, which carrier is best for retired drivers? Cumberland Mutual gets the edge here, with average premiums coming in at around $121 a month compared to Kemper's $179.

Which is the Best Company for Married Drivers?

Did you know that insurance prices are usually more expensive for those who are single than they are for married couples? That's typically because married drivers tend to own and insure more than one car, which can often earn you a discount.

When it comes to relationship status, Cumberland Mutual is the clear winner for single policyholders, with rates about $44 per month more affordable than Kemper, on average. For married policyholders, the advantage is clear again - Cumberland Mutual has the edge when it comes to average premiums.

Cumberland Mutual vs. Kemper: Average Rates by Gender

Men generally pay more for car insurance than women. This is because women are less likely to get into accidents and get speeding tickets, which decreases the chances of an insurance claim.

Generally, men see rates nearly $10 a month higher with Cumberland Mutual, and around $19 more with Kemper.

Looking at the data for each company specifically, Cumberland Mutual comes out on top for both men and women. On average, women save about $37 per month and men save about $47 with Cumberland Mutual compared to the average Kemper policyholder.

Cumberland Mutual 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. Everyone needs car insurance, but there are so many different coverages and terms that it can be hard to find the right policy.

However, most policies end up falling into two different types of coverage -- liability only (which covers the other party's property damage and injuries if you cause an accident) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to liability).

If you're looking for state minimum liability limits, Cumberland Mutual normally offers cheaper prices of $106 compared to Kemper's $139. When it comes to full coverage policies with similar limits, Cumberland Mutual again has the edge, with policies around $50 a month more affordable than Kemper, on average.

Is Cumberland Mutual or Kemper Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from insurance companies offering great rates 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 at-fault collisions lead to higher prices, but which carrier -- Cumberland Mutual or Kemper -- has the lowest premiums for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Cumberland Mutual policyholders can expect their rates to go up an average of $18 per month if they get a ticket, while Kemper usually raises premiums about $45 a month, on average.

Even so, Cumberland Mutual tends to offer the best prices for both drivers who have a recent speeding ticket and those with clean records. Drivers with a clean record can save around $5 per month and drivers with a ticket can save about $32 a month with Cumberland Mutual.

Which Company is Best for Drivers After an Accident?

Both carriers will raise prices pretty significantly if you get into an at-fault accident with Kemper raising by $85. Cumberland Mutual has a less extreme rise, but you can still expect to pay just under $15 more than you were prior to your first collision.

Overall, drivers who use Cumberland Mutual end up with the cheaper prices after an accident, with monthly premiums averaging $183 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 speeding ticket when it comes to your car insurance bill. Kemper drivers usually see a 39% increase in their insurance prices after a DUI charge, while Cumberland Mutual will generally raise rates by around 27%.

How does Credit Score Impact Cumberland Mutual and Kemper Rates?

In many cases, your credit score can be used as one of the factors to calculate your monthly auto insurance premiums. This isn't always the case (Massachusetts, for example, has banned the use of credit score as a rating factor) but it does affect a lot of drivers out there.

Car insurance companies 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.

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

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Cumberland Mutual 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 auto insurance bill. Normally, the more miles you put on your car, 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, Cumberland Mutual tends to be the less expensive option. Kemper average rates for drivers with 6,000 annual miles come in about $42 more expensive than Cumberland Mutual. Those who drive 12,000 miles yearly can expect to pay around $42 more with Kemper over Cumberland Mutual.

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

Where your home is can have a considerable impact on your monthly insurance cost. Typically, those who live in urban areas will pay more than drivers in rural areas due to the number of vehicles that are on the roads in those areas.

Cumberland Mutual boasts the most affordable average rates in rural and suburban areas, while Kemper wins in urban areas.

In urban areas, Kemper's average premiums are about $296 per month compared to Cumberland Mutual's $330. People in suburban areas pay a monthly premium of around $132 with Cumberland Mutual compared to $226 with Kemper. Those in rural areas can expect to pay about $116 per month with Cumberland Mutual compared to Kemper's $182.

Cumberland Mutual vs. Kemper Discounts

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

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

In the table below, we've taken a look at all of the different discounts Cumberland Mutual and Kemper offer their customers so that you can see which one can save you the most money each month.

Kemper knocks Cumberland Mutual out of the park when it comes to the sheer number of discounts available, offering nine more discounts than Cumberland Mutual.

Both carriers offer lots of the same discounts -- like anti-theft discounts, distant student discounts, discounts for getting driver training, and multi-policy discounts -- but Kemper also offers AAA discounts, advance quote discounts, continuous insurance discounts, and more that Cumberland Mutual does not.

On the flip side, Cumberland Mutual has a couple unique discounts of its own -- employee discounts, new business discounts, and senior mileage discounts.

Final Thoughts: Is Cumberland Mutual or Kemper Best for You?

So, we've broken down the average rates for many of the variables insurance companies look at, and walked through the different discounts each carrier offers, too. That's all well and good, but when it comes down to it, is Cumberland Mutual or Kemper the best carrier for you and your specific profile and needs?

Cumberland Mutual might be best for you if....

• You've received a ticket for speeding recently and don't want to see your premiums increase.
• You're looking for more protection with "full coverage" car insurance.
• You don't spend much time in your car.

Kemper might be best for you if...

• You're thinking about moving to another state -- undefined is only available to residents.
• You want to save extra money with discounts.

We hope this guide helps you get a good idea of the differences between Cumberland Mutual and Kemper. We also hope we've given you the information you need to make the best 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 multiple carriers, not just Cumberland Mutual 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 car insurance companies in your area, all in just a few minutes.

Cumberland Mutual vs. Kemper FAQs

Is Cumberland Mutual or Kemper cheaper?

Looking just at the national average prices, Cumberland Mutual is the more affordable of the two carriers, offering average rates of $193 a month compared to $235 for Kemper. That being said, Cumberland Mutual won't necessarily be the lowest company for each driver, since there are a range of different factors (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Cumberland Mutual or Kemper?

Unfortunately, the answer truly is "it depends.". No single carrier is necessarily "better" for everyone -- it all comes down to what your unique insurance profile looks like.

Why do Cumberland Mutual and Kemper offer me different rates?

Car insurance companies take a look at many different variables when calculating the premiums they charge policyholders. Things like age, where you call home, gender, your driving record, and sometimes even things like your credit score can all come into play. Both Cumberland Mutual and Kemper calculate rates using different formulas, so each one will most likely offer different prices. The only real way to see which company is the most affordable for you is by comparing personalized quotes from many different carriers.

How do I know if Cumberland Mutual 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 a handful of companies and finding the one best suited for your individual budget. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your area information and you'll get free quotes from dozens of the best car insurance carriers in your area. With those, you can guarantee you're getting the cheapest price. And who knows, the best company for you might not be Cumberland Mutual 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.