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

Quick Facts

• Looking at the national averages for insurance, Kemper offers cheaper rates than Foremost
• Foremost tends to be a much less expensive option for drivers with a DUI
• Kemper has more affordable premiums for policyholders who don't have any speeding tickets, DUIs, or at-fault collisions on their record

Foremost 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 large savings, but exactly how much money can you save by switching?

You might be considering Foremost or Kemper as your top options, but between the two, which company will save you the most?

As you can see, Foremost has average rates that are around 13% a month more expensive than those from Kemper when looking at the national average rates for car insurance.

That being said, Kemper may not be the most affordable or best option for every single driver out there. After all, insurance carriers can offer drastically different rates to every driver depending on rating factors like your driving record, where you call home, your credit score, or even your age (among other things). So, at the end of the day, rates from each carrier will differ quite a bit from person to person.

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

Foremost vs. Kemper: Average Car Insurance Rates by State

Foremost and Kemper only compete against each other in one states, with Kemper offering less expensive prices to the average driver in all of them. Washington has the most noticable difference, where Kemper rates are $6 cheaper than auto insurance prices at Foremost.

That being said, there's a lot more that goes into your insurance cost than just your home state. Read on to find out more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- typically pay a lot for auto insurance compared to older drivers. That's normally because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

Even so, that doesn't mean that teen drivers have to just accept sky-high car insurance premiums. As you can see above, teens who use Kemper save over 15% per month compared to those who use Foremost.

However, both companies will offer you dramatically lower prices by the time you turn 25. For example, average premiums for Foremost policyholders reduce more than 60% and Kemper's rates lower over 55% over that time.

Which is the Best Company for Retired Drivers?

When it comes to insurance, patience and experience pay off, with drivers around retirement age paying some of the lowest prices you can find.

But who has the best premiums for retired drivers between Foremost and Kemper? Kemper gets the edge, with rates for drivers 65 and older almost 20% more affordable than the national average for Foremost.

Which is the Best Company for Married Drivers?

Did you know that auto insurance premiums are generally more expensive for single drivers than they are for married policyholders? This usually boils down to married couples having several vehicles on their policy -- something several car insurance carriers will reward with discounts.

For those who are single, the difference in average prices between these two companies is significant, with Kemper rates coming in at about 15% less than Foremost's. The advantage for married drivers with Kemper is also obvious, where drivers save around $25 a month.

Foremost or Kemper: Average Rates by Gender

Men are statistically more likely than women to get into accidents and file an insurance claim. That means when it comes to auto insurance men will usually end up paying a little more.

With Foremost, women generally pay about 1% per month less than men, and nearly 10% less with Kemper when compared to their male counterparts.

When it comes to the most affordable prices for each gender, Kemper comes out as the cheapest option for both genders, with average premiums 10% less for men and 16% cheaper for women.

Foremost 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.

It's no secret that insurance can be pretty complicated. There are a variety of different coverages that account for multiple 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.

But most policies end up falling into two different types of coverage -- liability coverage (that covers bodily injury and property damage for other drivers and their passengers if you cause an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to what you get with liability coverage).

Looking specifically at state minimum liability limits, Kemper has the edge, with average monthly rates coming in at $139. If you want a full coverage policy with the same state minimum limits, Kemper again has the edge, with policies averaging around $331 a month to Foremost's $366.

Is Foremost or Kemper Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their car insurance. But that's not to say you can't save money if you don't have the best driving record, either.

Speeding tickets and collisions will most likely raise your premiums, but is Foremost or Kemper cheaper for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Foremost for their insurance can typically expect their monthly bill to go up about 22% after getting a speeding ticket. Kemper policyholders can expect a less drastic increase of around 21%.

That being said, Kemper has more affordable rates for drivers in both categories -- their rates are around 14% less expensive for drivers with clean records and 15% cheaper for those with a ticket.

Which Company is Best for Drivers After an Accident?

Foremost drivers who get in a collision can expect to see their prices increase by just under $200, while those who have insurance through Kemper will see about a $85 increase.

At the end of the day, the less expensive rates come from Kemper, with average prices coming in at $259 compared to Foremost Insurance Group's $381.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge on your record, it's probably going to cost you more than a simple ticket or even an accident. Kemper drivers usually see a 39% climb in their auto insurance premiums after a DUI charge, while Foremost will usually raise prices by around 15%.

How does Credit Score Impact Foremost and Kemper Rates?

Did you know many car insurance carriers take into account your credit score when determining rates? This isn't true for everyone (for example, California and Michigan are two states that ban the practice entirely), but it might come into play for many policyholders.

Auto insurance companies argue that those with poor credit scores are less likely to pay their bills on time every month, which raises the risk involved on their end, while the opposite is true for those with good credit.

Looking specifically at Foremost and Kemper, which carrier has the best premiums 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 Foremost or Kemper Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a large impact on your monthly rates. Normally, the more milage you put on your vehicle each year, the more you can expect to pay for car insurance.

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

Foremost or Kemper: Compare Rates for Urban, Suburban, and Rural Drivers

We've already mentioned how your home state can play a role in how much you pay for insurance, but the type of area you live in can have a big impact as well. Typically, policyholders who live in less densely populated rural areas will pay quite a bit less than urban drivers due to the small number of cars that are on the roads where they live.

Kemper boasts the lowest average prices for drivers in every type of area, no matter if it's urban, suburban, or rural.

Those in rural areas can expect to pay around $182 a month with Kemper compared to Foremost's $205. Drivers in suburban ZIP codes pay a monthly price of about $226 with Kemper compared to $287 with Foremost. For drivers in urban ZIP codes, Kemper's average rates are around $296 per month compared to Foremost's $318.

Foremost vs. Kemper Discounts

No matter why you might be in the market for a new car insurance policy, you're always going to want to save as much money as you can, and the best way to do that is by taking advantage of as many insurance discounts as possible.

But with what seems like a million different discounts out there, it can be challenging to find all the ones you can take advantage of or to nail down the company that has the most discounts for your unique driver profile.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Foremost and Kemper so that you can easily see which company offers the most discounts and, therefore, the largest savings.

Kemper blows Foremost away when it comes to the sheer amount of discounts available, offering 12 more discounts than Foremost.

There are a couple discounts both carriers offer, but Kemper also offers discounts for AAA, ABS, continuous insurance, and more.

On the other hand, Foremost has a few proprietary discounts of their own for things like minor child discounts, multi-car/single driver discounts, paperless discounts, and more.

Final Thoughts: Is Foremost or Kemper Best for You?

So, you've seen how different variables can affect your auto insurance prices. We've shown you all the discounts each carrier offers, too. But, at the end of the day, which insurance company is the best one for you, your vehicle, and your wallet?

Kemper might be best for you if....

• You want to save money on your insurance after a collision.
• You live in an suburban area.
• Your neighborhood is in a rural area.

Foremost might be best for you if...

• Your driving record includes a DUI charge.

Hopefully, this guide helps you get a good idea of the differences between Foremost and Kemper and that it aids in making a more informed decision about your car insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on auto insurance -- comparing quotes from a handful of companies, not just Foremost and Kemper. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get multiple free quotes from some of the best car insurance carriers in your area, all in just a few minutes.

Foremost vs. Kemper FAQs

Is Foremost or Kemper cheaper?

Kemper is the less expensive of the two companies when looking at national average premiums, with policies averaging $235 a month with Kemper and $270 for Foremost. However, that doesn't mean Kemper will be the cheapest carrier for every driver, since there are a range of different factors (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Foremost or Kemper?

Unfortunately, the only answer we can give you is "it depends.". One company is not "better" for each policyholder -- it all comes down to what your unique auto insurance profile looks like. For example, Foremost is more affordable for drivers who have less-than-stellar credit scores, while Kemper offers cheaper prices for policyholders with an at-fault collision on their record.

Why do Foremost and Kemper offer me different rates?

Insurance carriers use quite a few different variables when calculating the premiums they charge. Things like your driving record, where you live, age, gender, and sometimes even things like your credit score can all be used. Both Foremost and Kemper use different formulas, so it's likely they'll offer different rates. The best way to determine which carrier is the lowest for you is by comparing personalized quotes from a bunch of different companies.

How do I know if Foremost 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 multiple 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 quotes from dozens of your local top insurance companies for free. That way, you can guarantee you're getting the most affordable premium. And maybe you'll find that the best carrier for you isn't Foremost 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.