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

Quick Facts

• Based on national averages for insurance, Kemper offers slightly less expensive rates than Dairyland
• Dairyland offers more affordable prices for residents in Arkansas, Delaware, Idaho, Kansas, Nevada, Oregon, Pennsylvania, South Carolina, and Texas
• Kemper has cheaper rates for policyholders who drive a short distance to work everyday

Dairyland 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 Dairyland or Kemper as your top options, but which carrier will save you the most?

Looking at nationwide averages, Kemper is about $21 per month more affordable than Dairyland.

However, Kemper may not be the lowest or best option for each driver out there. Auto insurance companies use all sorts of complex algorithms to calculate premiums, so depending on how clean your driving record is or how good your credit score is (among an array of other factors), you could see wildly different prices from the ones above.

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

Dairyland or Kemper: Average Car Insurance Rates by State

Dairyland and Kemper only compete against each other in two states, with Kemper offering less expensive prices to the average driver in all of them. Nevada has the most noticable difference, where Kemper rates are over 30% more affordable than car insurance prices at Dairyland.

But there's more to calculating insurance rates than just where you live. Read on to learn more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers typically pay a lot more for car insurance than any other group of drivers out there on the road. It'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 that teen drivers have to just accept sky-high auto insurance premiums. Just look at the table above -- where 18-year-old drivers who have Kemper for their insurance pay nearly $35 less than those who use Dairyland.

That being said, both carriers will offer you dramatically lower prices by the time you turn 25. For example, average rates for Dairyland policyholders decrease more than 55% and Kemper's premiums reduce 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 cheapest prices out there.

But who has the best premiums for retired drivers between Dairyland and Kemper? Kemper gets the edge, with rates for drivers 65 and older more than 10% cheaper than the national average for Dairyland.

Which is the Best Company for Married Drivers?

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

If you're in the market for car insurance, Kemper tends to have the most affordable average rates regardless of marital status, with prices over $15 cheaper for married drivers and almost $25 less expensive for those who are single.

Dairyland vs. Kemper: Average Rates by Gender

Women generally to pay less for insurance than men. This is because men are statistically more likely than women to get into an accident or get pulled over for speeding, which leads to increased risk for insurers and, therefore, higher prices.

Women normally pay around 4% a month less than men with Dairyland, and about 8% less with Kemper.

Looking at the data for each company specifically, Kemper offers the cheapest average rates for both men and women. On average, male drivers save about $17 per month and women save around $26 with Kemper compared to the average Dairyland policyholder.

Dairyland 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.

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

The two most common 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 two additional coverages -- comprehensive and collision -- alongside what you get with a liability policy).

If you're looking for state minimum liability insurance, Kemper typically offers slightly cheaper prices of $139 compared to Dairyland's $142. When it comes to full coverage policies with similar limits, Kemper again has the edge, with policies about $40 a month less expensive than Dairyland, on average.

Is Dairyland 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 tickets and accidents on your record, but which of these two companies offers the lowest premiums to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Dairyland policyholders can expect their rates to go up an average of $40 per month if they get a ticket, while Kemper generally raises premiums around $45 a month, on average.

But Kemper tends to offer the best prices for drivers both with clean records and with a speeding ticket. Drivers with a clean record can save about $51 per month and drivers with a ticket can save around $46 a month with Kemper.

Which Company is Best for Drivers After an Accident?

Dairyland drivers who get in a collision can expect to see their prices increase by just under 25%, while those who have insurance through Kemper will see about a 35% increase.

Overall, the more affordable premiums come from Kemper, with monthly rates averaging $259 compared to Dairyland's $297.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly insurance bill -- normally a lot more than an accident or speeding ticket. For example, Kemper increases average prices by over $100 per month -- that's just under a 40% increase.

If you have a DUI on your record and are looking for more affordable premiums, Dairyland tends to be the much cheaper option with average rates of $236 a month compared to $287 from Kemper.

How does Credit Score Impact Dairyland and Kemper Rates?

Often times, your credit score can be used as one of the factors to determine your monthly car insurance prices. This isn't always the case (for example, Massachusetts and Michigan are two states that ban the practice entirely), but it does affect lots of policyholders out there.

The reasoning auto insurance carriers use is that drivers with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper rates, while those with poor credit will usually be forced to pay more.

Looking at Dairyland and Kemper specifically, which company has the best premiums for policyholders 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 Kemper. Drivers with "excellent" credit can save over 20% compared to Dairyland, and those with "good" scores can also expect to see savings -- around $36 or 15% more affordable each month.

Which Company is Best for Drivers with Bad Credit?

If you have less-than-stellar credit, it can be somewhat of a toss-up as far as which company offers you the best prices. Drivers with "fair" credit pay about $20 less with Kemper than Dairyland, but those whose credit is considered "poor" have it flipped -- saving around $24 a month with Dairyland.

Is Dairyland 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 insurance companies will charge for coverage? That's because the more miles you drive, the more likely you are to get into a collision and cause an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Dairyland charges. However, there's a small difference in monthly premiums for Kemper, with policyholders who drive 6,000 miles annually paying about $1 less every month compared to those who drive 12,000 miles yearly. Still, Kemper is the less expensive option for drivers in both categories.

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

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

Kemper tends to offer the most affordable prices for drivers in every type of area, no matter if it's urban, suburban, or rural.

Policyholders in rural ZIP codes see the lowest rates from both carriers, but Kemper comes out on top with average prices around $182 per month. Kemper also has more affordable average rates for drivers in urban and suburban ZIP codes -- a $18 and $25 per month respective difference when compared to Dairyland policyholders in similar areas.

Dairyland 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 car insurance discounts as you can.

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

In the table below, we've broken down all of the different discounts offered by both Dairyland and Kemper so that you can find the one that has the most discounts and, therefore, the biggest savings.

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

Both companies offer lots of the same discounts -- like discounts for being a defensive driver, discounts for being a good student, and paid in full discounts -- but Kemper also offers AAA discounts, ABS discounts, continuous insurance discounts, and more that Dairyland does not.

On the flip side, Dairyland has a couple unique discounts of its own -- agency transfer discounts, prior insurance discounts, and travelink discounts.

Final Thoughts: Is Dairyland or Kemper Best for You?

You've seen the role certain variables have on your insurance and the different discounts carriers offer. That's all well and good, but at the end of the day, is Dairyland or Kemper the right company for you and your specific driver profile?

Kemper might be best for you if....

• You already have a great credit score.
• You're looking for more protection with "full coverage" car insurance.
• You are over 65 years old and want to save some money on your insurance.

Dairyland might be best for you if...

• You live in one of the following states: Arkansas, Delaware, Idaho, Kansas, Nevada, Oregon, Pennsylvania, South Carolina, and Texas.
• You have a DUI charge on your record.

We hope this guide helps you get a better idea of the difference between Dairyland and Kemper and that you can now make a more informed decision when it comes to your auto insurance.

At the end of the day, the best way to make sure you're getting the best deal on your car insurance policy is to compare quotes from a handful of companies, not just Dairyland and Kemper. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code below and get free quotes from dozens of the top auto insurance carriers in your area, all in just a few minutes.

Dairyland vs. Kemper FAQs

Is Dairyland or Kemper cheaper?

Looking just at the national average premiums, Kemper is the cheaper of the two companies, offering average rates of $235 a month compared to $256 for Dairyland. That being said, Kemper won't necessarily be the most affordable carrier for each driver, since there are lots of different factors (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Dairyland or Kemper?

Sadly, the answer truly is "it depends.". Neither company is "better" for every driver -- it all depends on what your unique insurance profile looks like. For example, Dairyland offers less expensive prices for drivers with a recent DUI, while Kemper is more affordable for drivers with excellent credit.

Why do Dairyland and Kemper offer me different rates?

Auto insurance carriers take a look at a lot of different variables when calculating the rates they charge drivers. Factors like your driving record, where your home is, age, gender, and sometimes even things like your credit score can all be taken into consideration. Both Dairyland and Kemper calculate premiums differently, so each one will most likely offer different prices. The only real way to see which carrier is the cheapest for you is by comparing personalized quotes from a range of different companies.

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