First American Property & Casualty vs. Kemper: Which Company is the Best Fit for You?

Quick Facts

• In general, First American Property & Casualty offers significantly more affordable prices than Kemper
• First American Property & Casualty tends to be a much cheaper option for drivers with a DUI
• Kemper may help you save more money -- they offer more discounts than First American Property & Casualty

First American Property & Casualty or Kemper: Which Company has the Cheapest Car Insurance?

So, you're considering switching to a new insurance policy. You've probably seen commercials and billboards from companies offering big savings, but exactly how much money can you save by switching?

You've maybe even narrowed it down to First American Property & Casualty or Kemper as potential options, but between the two, which carrier has less expensive premiums for auto insurance?

Looking at nationwide averages, First American Property & Casualty is quite a bit cheaper than Kemper, with rates averaging $167 a month compared to $235 with Kemper.

However, that doesn't necessarily mean First American Property & Casualty will be the more affordable option for every driver. Insurance carriers vary their prices depending on things like how clean your driving record is, where you live, how old you are, how good your credit score is, and tons of other factors. So, at the end of the day, premiums from every carrier will differ quite a bit from person to person.

So, if you want to find out which of First American Property & Casualty or Kemper is really the best for you, keep reading to see average prices for each company broken down by a variety of different rate factors.

First American Property & Casualty vs. Kemper: Average Car Insurance Rates by State

First American Property & Casualty and Kemper only compete against each other in California, where Kemper offers the cheaper average rates. Kemper drivers tend to pay about $27 per month less on average compared to drivers who use First American Property & Casualty for their car insurance.

There's a lot more that goes into your auto insurance bill than just the state you live in. Read on to learn more.

Which is the Best Company For Young Drivers?

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

But that doesn't mean teen drivers can't still save money on their insurance. Just look at the table above -- where 18-year-old drivers who have First American Property & Casualty for their auto insurance pay almost 25% less than those who use Kemper. It's worth noting that Kemper offers car insurance in 15 different states compared to First American Property & Casualty's one, which can skew the average premiums a bit, but the difference here is still considerable.

That being said, both companies will offer you dramatically lower rates by the time you turn 25. For example, average prices for First American Property & Casualty policyholders reduce around $200 and Kemper's premiums drop about $300 over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age generally enjoy some of the most affordable auto insurance rates out there. After all, they've likely been driving for quite some time, which typically lowers their chances of collisions and other infractions that can raise premiums.

When looking at First American Property & Casualty and Kemper specifically, which carrier is best for retired drivers? First American Property & Casualty gets the edge here, with average prices 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 premiums are normally more expensive for single policyholders than they are for married policyholders? That's generally because married drivers tend to own and insure several vehicles, which can often earn you a discount.

For single drivers, the difference in average rates between these two carriers is significant, with First American Property & Casualty prices coming in at about 30% less than Kemper's. The advantage is also clear for married couples - First American Property & Casualty offers the cheapest average rates.

First American Property & Casualty or Kemper: Average Rates by Gender

Because women are less likely to get into collisions and get tickets, they run a lower risk of filing a claim with insurance. So, women tend to get cheaper rates than men.

With First American Property & Casualty, both genders end up paying the same monthly rate, and nearly 10% with Kemper.

Looking at the data for each company specifically, First American Property & Casualty comes out on top for both men and women. On average, male drivers save about $77 a month and women save around $58 with First American Property & Casualty compared to the average Kemper policyholder.

First American Property & Casualty vs. 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 a bunch of different coverages that account for many different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause a collision.

The two most common policies that drivers look at fall into two categories -- liability coverage (that covers property damage and bodily injury for other drivers and passengers if you cause an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to liability coverage).

Looking specifically at state minimum liability insurance, First American Property & Casualty has the significant edge, with average monthly premiums coming in at $70. If you want a full coverage policy with the same state minimum limits, First American Property & Casualty again has the edge, with policies averaging about $263 per month to Kemper's $331.

Is First American Property & Casualty or Kemper Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from car insurance companies offering great prices for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

At-fault accidents and speeding tickets will most likely raise your premiums, but is First American Property & Casualty or Kemper less expensive for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use First American Property & Casualty for their insurance can typically expect their monthly bill to go up around 18% after getting a speeding ticket. Kemper policyholders can expect a bit more drastic of an increase of about 21%.

Even so, First American Property & Casualty has cheaper rates for drivers in both categories -- their rates are around 32% more affordable for drivers with clean records and 34% less expensive for those with a ticket.

Which Company is Best for Drivers After an Accident?

First American Property & Casualty drivers who get in a collision can expect to see their prices increase by just under 20%, while those who have insurance through Kemper will see around a 35% increase.

At the end of the day, the cheaper premiums come from First American Property & Casualty, with average prices coming in at $145 compared to Kemper's $259.

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 car insurance bill -- usually a lot more than an accident or ticket. First American Property & Casualty drivers usually see a 54% increase in their auto insurance rates after a DUI charge, while Kemper will normally climb premiums by about 39%.

First American Property & Casualty has the overall lowest prices for drivers with a DUI on their records at $256 per month, but it's worth noting that Kemper's average rates come from 15 states compared to just one for First American Property & Casualty, so the data may be skewed slightly.

How does Credit Score Impact First American Property & Casualty and Kemper Rates?

You may not realized it, but your credit score can come into play when carriers determine your monthly bill. This isn't true for everyone (for example, Michigan and Hawaii are two states that ban the practice entirely), but it might come into play for many policyholders.

The reasoning insurance companies use is that drivers with bad credit will be less likely to pay their bills on time; so usually, they'll be asked to pay more, while those with good credit will be rewarded with less expensive rates.

Looking specifically at First American Property & Casualty and Kemper, which company has the most affordable prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have excellent credit, Kemper will typically reward you. With Kemper, improving your score from "good" to "excellent" will generally save you around $35. On the other hand, because First American Property & Casualty doesn't have data available for credit scores, they most likely don't use credit to calculate your rates.

Which Company is Best for Drivers with Bad Credit?

Having bad credit 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 First American Property & Casualty doesn't have data available for credit scores, they may have better premiums for drivers with bad credit over Kemper.

Is First American Property & Casualty 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. That's because the fewer miles you drive, the less likely you are to be in a collision and file an insurance claim.

First American Property & Casualty tends to be the cheaper option for both remote workers and those taking short commutes. Kemper average prices for drivers with 6,000 annual miles come in around $93 more expensive than First American Property & Casualty. Those who drive 12,000 miles annually can expect to pay about $43 more with Kemper over First American Property & Casualty.

First American Property & Casualty or Kemper: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can play a large role in how much you pay for auto insurance. Usually, 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.

First American Property & Casualty boasts the cheapest average premiums for drivers in all types of areas, no matter if they're urban, suburban, or rural.

In urban areas, First American Property & Casualty's average rates are around $172 while Kemper offers prices about $296. People in suburban areas pay around $188 with First American Property & Casualty compared to Kemper's $226 monthly. Those in rural areas can expect to pay about $140 per month with First American Property & Casualty and $182 with Kemper.

First American Property & Casualty vs. Kemper Discounts

No matter why you might be in the market for a new insurance policy, you're always going to want to save as much money as you can. That's where auto insurance discounts comes into play.

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.

Luckily, we did the hard work for you and looked at all of the different discounts First American Property & Casualty and Kemper offer their customers so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Kemper blows First American Property & Casualty away when it comes to the sheer amount of discounts available, offering 14 more discounts than First American Property & Casualty.

A couple of those are overlapping for things like distant student discounts, discounts for being a good student, group discounts, and multi-policy discounts. Kemper also offers discounts for AAA, ABS, advance quote, and more.

First American Property & Casualty's discounts come through just a few categories, including Anti-Theft, Distant Student, Good Driving, and more.

Final Thoughts: Is First American Property & Casualty or Kemper Best for You?

You've seen the effect certain variables have on your insurance and the different discounts carriers offer. That's all well and good, but when it comes down to it, which carrier is the best fit for you?

First American Property & Casualty might be best for you if....

• You're looking for the best rates in CA.
• Your home is in a busy urban area.
• You and your spouse are buying car insurance together.

Kemper might be best for you if...

• You have less-than-stellar credit.
• You have above-average credit.
• You want to save extra money with discounts.

Hopefully, this guide helps you get a better idea of the difference between First American Property & Casualty and Kemper. We also hope we've given you the information you need to make the best decision when it comes to 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 companies, not just First American Property & Casualty and Kemper. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP codes below and get multiple free quotes from some of the best car insurance carriers in your area, all in just a few minutes.

First American Property & Casualty vs. Kemper FAQs

Is First American Property & Casualty or Kemper cheaper?

First American Property & Casualty is the more affordable of the two companies when looking at national average premiums, with policies averaging $167 per month with First American Property & Casualty and $235 for Kemper. But that doesn't mean First American Property & Casualty will be the most affordable company for everyone, since there are several different factors that are considered when it comes to your insurance payment.

Who is better, First American Property & Casualty or Kemper?

Sadly, the only answer we can give you is "it depends.". One carrier is not necessarily "better" for everyone -- it all depends on what your unique car insurance profile looks like. For example, Kemper is cheaper for drivers with excellent credit, while First American Property & Casualty offers less expensive prices for drivers with a recent DUI.

Why do First American Property & Casualty and Kemper offer me different rates?

Auto insurance carriers use lots of different variables when determining the rates they charge. Factors like where you call home, age, gender, where your home is, and sometimes even things like your credit score can all come into play. Both First American Property & Casualty and Kemper calculate premiums differently, so it's likely they'll offer different rates. The best way to determine which company is the cheapest for you is by comparing personalized quotes from lots of different companies.

How do I know if First American Property & Casualty or Kemper is right for me?

The only way to find the car insurance carrier 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 information once and you'll get quotes from dozens of your local top insurance companies for free. That way, you can guarantee you're getting the lowest price. And maybe you'll find that the best company for you isn't First American Property & Casualty or Kemper at all, but another you hadn't even thought of!

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.