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

Quick Facts

• In general, Farmers Automobile offers significantly less expensive rates than Kemper
• Farmers Automobile offers more affordable premiums for policyholders who may not have much of a commute
• Kemper offers more discounts than Farmers Automobile Insurance Association

Farmers Automobile 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 hefty discounts. But exactly how much can you save by switching?

You might be considering Farmers Automobile or Kemper as potential options, but which one will save you the most?

Looking at nationwide averages, Farmers Automobile has average rates that are about 50% per month more affordable than those from Kemper.

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

Wanting to know if Farmers Automobile or Kemper is really the right carrier for you? Keep on reading to see how average prices can change based on all of the factors we've mentioned above.

Farmers Automobile or Kemper: Average Car Insurance Rates by State

Farmers Automobile and Kemper only compete against each other in one states, with Farmers Automobile offering more affordable premiums to the average driver in all of them. Wisconsin has the most noticable difference, where Farmers Automobile prices are over 30% less expensive 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 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 car insurance compared to older drivers. Normally, that's because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But still, even with seemingly sky-high prices, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Farmers Automobile for their insurance pay more than $200 less than those who use Kemper.

Even so, with both companies, you'll see your rates reduce significantly by the time you turn 25. Kemper offers the steepest drop, with 25-year-olds paying less than half what 18-year-old drivers are charged. That being said, Farmers Automobile still has the most affordable prices at $103 a month.

Which is the Best Company for Retired Drivers?

Drivers around retirement age usually enjoy some of the lowest auto insurance premiums you can find. After all, they've likely been driving for quite some time, which generally reduces their chances of accidents and other infractions that can increase rates.

But who has the best premiums for retired drivers between Farmers Automobile and Kemper? Farmers Automobile gets the edge, with prices for drivers 65 and older over 45% cheaper than the national average for Kemper.

Which is the Best Company for Married Drivers?

You may not be aware, but insurance rates tend to be less expensive for married drivers than they are for those who are single. This usually boils down to married policyholders having several cars on their policy -- something several car insurance carriers will reward with discounts.

When it comes to relationship status, Farmers Automobile is the clear winner for single policyholders, with prices around $128 a month more affordable than Kemper, on average. The advantage for married couples with Farmers Automobile is also obvious, where drivers save about $90 per month.

Farmers Automobile vs. Kemper: Average Rates by Gender

Because men are more likely to get into collisions and get tickets, they run a larger risk of filing a claim with insurance. Therefore, insurance companies will often charge men more than women.

Usually, men see premiums around 1% a month higher with Farmers Automobile, and about 8% more with Kemper.

Looking at the data for each company specifically, Farmers Automobile offers the cheapest average rates for both men and women. On average, male drivers save about $121 per month and women save around $103 with Farmers Automobile compared to the average Kemper policyholder.

Farmers Automobile 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 can be a complicated subject for most people. There are lots of different coverages that account for a range of different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause an accident.

The two most common policies that many drivers look at fall into two categories -- liability only (that covers property damage and bodily injury for other drivers if you cause a collision) and full coverage (which normally refers to having comprehensive and collision coverages alongside liability).

If you're looking for state minimum liability limits, Farmers Automobile generally offers significantly cheaper premiums of $75 compared to Kemper's $139. When it comes to full coverage policies with similar limits, Farmers Automobile again has the edge, with policies about $150 a month more affordable than Kemper, on average.

Is Farmers Automobile or Kemper Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from car insurance carriers 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 at-fault collisions and tickets lead to higher prices, but which carrier -- Farmers Automobile or Kemper -- has the lowest rates for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Farmers Automobile policyholders can expect their premiums to go up an average of $22 per month if they get a ticket, while Kemper typically raises prices around $45 a month, on average.

That being said, Farmers Automobile tends to offer the best prices for both drivers who have a recent speeding ticket and those with clean records, offering rates that are 50% and 50% cheaper, respectively, compared to Kemper.

Which Company is Best for Drivers After an Accident?

Farmers Automobile drivers who get in an accident can expect to see their prices climb by $30, while those who have insurance through Kemper will see about a $85 increase.

Overall, Farmers Automobile offers the most affordable premiums for drivers with an at-fault accident on their records, with monthly prices averaging $117 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 collision or ticket when it comes to your auto insurance bill. For example, Kemper increases average rates by over $100 per month -- that's just under a 40% increase.

How does Credit Score Impact Farmers Automobile 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 (for example, Massachusetts and Hawaii are two states that ban the practice entirely), but it might come into play for a lot of policyholders.

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.

So, which company offers the best premiums for drivers 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 Farmers Automobile 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 rates. Usually, the more miles you put on your vehicle each year, the more you can expect to pay for coverage.

For both drivers who put 6,000 miles on their vehicles yearly, as well as those who average twice that figure, Farmers Automobile offers less expensive premiums than Kemper. Kemper's average prices for drivers with 6,000 annual miles come in more than $100 more expensive than Farmers Automobile. Those who drive 12,000 miles every year can expect to pay over $100 more with Kemper over Farmers Automobile.

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

Where your home is can play a big role in how much you pay for auto insurance. Normally, policyholders who live in heavily-populated urban areas will pay quite a bit more than rural drivers due to the number of cars that are on the roads in those areas.

When comparing these two companies side-by-side, Farmers Automobile usually comes out as the most affordable option 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 carriers, but Farmers Automobile comes out on top with average rates around $84 per month. Farmers Automobile also has cheaper average premiums for drivers in urban and suburban ZIP codes -- a 35% and 59% a month respective difference when compared to Kemper policyholders in similar areas.

Farmers Automobile vs. Kemper Discounts

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

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

In the section below, we've broken down all of the different discounts offered by both Farmers Automobile and Kemper so that you can see which company offers the most discounts and see which ones you might be able to take advantage of.

Kemper knocks Farmers Automobile out of the park when it comes to the sheer number of discounts available, offering 13 more discounts than Farmers Automobile.

A couple of those are overlapping for things like advance quote discounts, discounts for being a defensive driver, discounts for being a good student, and multi-policy discounts. Kemper also offers AAA discounts, ABS discounts, continuous insurance discounts, and more that Farmers Automobile does not.

On the flip side, Farmers Automobile has a couple unique discounts of its own -- hybrid vehicle discounts and seat belt discounts.

Final Thoughts: Is Farmers Automobile or Kemper Best for You?

So, you've seen how different factors can affect your car insurance prices. We've shown you all the discounts each company offers, too. But, when it comes down to it, which insurance carrier is the best carrier for you and your specific profile and needs?

Farmers Automobile might be best for you if....

• You're single and purchasing auto insurance by yourself.
• You already have a great credit score.
• You're buying 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 -- undefined is only available in.
• You want to save extra money with discounts.

We hope this guide helps you get a good idea of the differences between Farmers Automobile and Kemper. We also hope we've given you the information you need to make the best decision when it comes to your car insurance.

At the end of the day, the best way to make sure you're getting the best deal on your insurance policy is to compare quotes from several companies, not just Farmers Automobile 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 top auto insurance carriers in your area, all in just a few minutes.

Farmers Automobile vs. Kemper FAQs

Is Farmers Automobile or Kemper cheaper?

Looking just at the national average rates, Farmers Automobile is the more affordable of the two companies, offering average rates of $123 per month compared to $235 for Kemper. However, Farmers Automobile won't necessarily be the cheapest company for each driver, since there are a variety of different variables (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Farmers Automobile or Kemper?

Unfortunately, the only answer we can give you is "it depends.". Neither carrier is necessarily "better" for everyone -- it all depends on the makeup of your unique car insurance profile.

Why do Farmers Automobile and Kemper offer me different rates?

Auto insurance carriers take a look at many different factors when calculating the prices they charge drivers. Variables like your driving record, gender, age, where you park your vehicle, and sometimes even things like your credit score can all be used. Both Farmers Automobile and Kemper calculate premiums using different formulas, so each one will most likely offer different rates. The only real way to see which company is the lowest for you is by comparing personalized quotes from multiple different companies.

How do I know if Farmers Automobile or Kemper is right for me?

The only way to find the insurance carrier that's right for you is by getting quotes from multiple carriers and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your information once and you'll get free quotes from dozens of the best car insurance companies in your area. That way, you can guarantee you're getting the cheapest rate. And who knows, the best company for you might not be Farmers Automobile 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.