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

Quick Facts

• Looking at the national averages for auto insurance, Farmers Union offers more affordable prices than Kemper
• Farmers Union offers cheaper average rates for policyholders who may not have much of a commute
• Kemper offers more discounts than Farmers Union Insurance

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

So, you're thinking about switching your auto insurance. After all, you've seen ads from all sorts of companies offering huge discounts. But exactly how much can you save by switching?

You've maybe even narrowed it down to Farmers Union or Kemper for your next policy, but between the two, which carrier has less expensive premiums for car insurance?

As you can see, Farmers Union is about $46 per month more affordable than Kemper when looking at the national average rates for insurance.

However, that doesn't mean Farmers Union will necessarily be cheaper than Kemper for each driver. Auto insurance companies use all sorts of complex algorithms to calculate rates, so depending on how clean your driving record is or how old you are (among a whole range of other factors), you could see wildly different prices from the ones above.

Luckily, we've broken down average premiums from both Farmers Union and Kemper by a range of different rate factors, so read on to find out which company is the best for you.

Farmers Union or Kemper: Average Car Insurance Rates by State

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

That being said, there's a lot more that goes into your insurance payment than just where you live. Continue reading to see how other factors will affect your rates.

Which is the Best Company For Young Drivers?

You might already know that teen drivers typically pay a lot more for auto insurance than any other group of drivers out there on the road. Normally, that's because young, inexperienced drivers are statistically much more likely to get into an accident that results in a car 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 more than $100 less a month by choosing Farmers Union over Kemper.

That being said, with both carriers, you'll see your rates drop significantly by the time you turn 25. For example, average premiums for Farmers Union policyholders reduce nearly 55% and Kemper's rates lower over 55% over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age generally enjoy some of the cheapest car insurance prices you'll ever find. After all, they've likely been driving for quite some time, which usually lowers their chances of accidents and other infractions that can increase premiums.

When looking at Farmers Union and Kemper specifically, which carrier is best for retired drivers? Farmers Union gets the edge here, with average rates coming in at around $148 per month compared to Kemper's $179.

Which is the Best Company for Married Drivers?

You may not be aware, but auto insurance prices tend to be more expensive for single drivers than they are for married couples. This usually boils down to married drivers having more than one car on their policy -- something quite a few insurance companies will reward with discounts.

When it comes to relationship status, Farmers Union is the clear winner for single policyholders, with premiums about $56 per month less expensive than Kemper, on average. The advantage for married policyholders with Farmers Union is also obvious, where drivers save more than 15% a month.

Farmers Union vs. Kemper: Average Rates by Gender

You may not know, but men normally pay more for auto insurance than women do. This is because men are statistically more likely than women to get into collisions and file an insurance claim, which leads to increased risk for insurers and, therefore, higher rates.

Women typically pay around 6% per month less than men with Farmers Union, and about 8% less with Kemper.

When it comes to the most affordable prices for each gender, Farmers Union offers the lowest average rates for both men and women, with average prices $49 less for men and $41 cheaper for women.

Farmers Union 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 so many different terms and limits that it can make it pretty confusing to find the right policy.

The two most common policies that many drivers look at fall into two categories -- liability only (which covers the other party's property damage and injuries if you cause an accident) and full coverage (which usually refers to having comprehensive and collision coverages in addition to what you get with liability coverage).

If you're looking for state minimum liability insurance, Farmers Union generally offers cheaper premiums of $107 compared to Kemper's $139. When it comes to full coverage policies with similar limits, Farmers Union again has the edge, with policies around $60 a month more affordable than Kemper, on average.

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

You've probably seen plenty of commercials from 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 accidents and tickets lead to higher prices, but which company -- Farmers Union or Kemper -- has the cheapest premiums for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Farmers Union policyholders can expect their rates to go up an average of $50 per month if they get a ticket, while Kemper usually raises prices about $45 a month, on average.

But Farmers Union tends to offer the best prices for both drivers who have clean records and those with a recent speeding ticket, offering premiums that are $36 and $31 cheaper, respectively, compared to Kemper.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their auto insurance through Farmers Union can expect to see around an $69 -- or about 33% -- increase in their car insurance rates. Drivers who use Kemper for their insurance will see a monthly bill around $85 (or 33%) more expensive after reporting a collision to their auto insurance carrier.

Overall, drivers who use Farmers Union end up with the cheaper prices after an accident, with monthly premiums averaging $207 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 insurance bill. For example, Kemper increases average prices by over $100 per month -- that's just under a 40% increase.

How does Credit Score Impact Farmers Union and Kemper Rates?

In many cases, your credit score can be used as one of the variables to determine your monthly car insurance premiums. Certain states and companies do not allow for credit score to be used as a rating factor, but it might come into play for several drivers.

Auto insurance carriers argue that someone with good credit is more likely to pay their bills on time, which makes them less risky to insure. Because of that, policyholders with good credit will often be rewarded with less expensive rates.

Looking at Farmers Union and Kemper specifically, which company has the most affordable prices for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Farmers Union 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 how much car insurance companies will charge for coverage. Normally, those who drive less will end up with more affordable premiums since there's less of a chance of getting into an accident and causing an insurance claim.

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

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

Where you park your car can have a substantial impact on your monthly insurance bill. Generally, those who live in urban areas will pay more than policyholders in rural areas because there are a lot more vehicles on the roads in those areas.

Farmers Union boasts the cheapest average premiums for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Drivers in rural ZIP codes see the most affordable prices from both carriers, but Farmers Union comes out on top with average rates around $170 monthly. Farmers Union also has less expensive average premiums for policyholders in urban and suburban ZIP codes -- a 24% and 24% a month respective difference when compared to Kemper drivers in similar areas.

Farmers Union 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 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.

Below, we've broken down all of the different discounts offered by both Farmers Union and Kemper so that you can see which one can save you the most money each month.

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

There are a couple discounts both companies offer, but Kemper also offers AAA discounts, ABS discounts, advance quote discounts, and more that Farmers Union does not.

On the flip side, Farmers Union has a couple unique discounts of its own -- farm discounts and minor child discounts.

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

You've seen the role certain factors have on your car insurance and the different discounts carriers offer. But, at the end of the day, is Farmers Union or Kemper the right fit for you?

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

• You don't have any speeding tickets, DUIs, or at-fault collisions on your record.
• Your neighborhood is in the suburbs.
• You drive fewer than 12,000 miles annually.

Kemper might be best for you if...

• You're thinking about moving to another state -- undefined is only available in.
• You're looking for discounts -- Kemper has the most.

We hope this guide helps you get a good idea of the differences between Farmers Union and Kemper and that it aids in making a more informed decision about your insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from multiple companies, not just Farmers Union and Kemper. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP codes below and get free quotes from dozens of top insurance carriers in your area, all in just a few minutes.

Farmers Union vs. Kemper FAQs

Is Farmers Union or Kemper cheaper?

Looking just at the national average rates, Farmers Union is the more affordable of the two companies, offering average rates of $189 per month compared to $235 for Kemper. Even so, Farmers Union won't necessarily be the cheapest carrier for everyone, since there are a variety of different variables (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Farmers Union or Kemper?

Sadly, the only answer we can give you is "it depends.". No one company is "better" for each driver -- it all boils down to your unique car insurance profile.

Why do Farmers Union and Kemper offer me different rates?

Auto insurance carriers take a look at many different factors when calculating the prices they charge policyholders. Variables like where your home is, gender, where you live, age, and sometimes even things like your credit score can all be taken into consideration. Both Farmers Union 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 bunch of different companies.

How do I know if Farmers Union 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 ZIP code 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 best premium. And who knows, the best carrier for you might not be Farmers Union 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.