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

Quick Facts

• In general, General Casualty offers significantly less expensive rates than Kemper
• General Casualty offers cheaper average premiums for drivers with a DUI charge on their record
• Kemper offers more discounts than General Casualty

General Casualty vs. Kemper: Which Company has the Cheapest Car Insurance?

So, you're considering switching your auto insurance. 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 your search down to General Casualty or Kemper, but between the two, which carrier has more affordable rates for car insurance?

Looking at nationwide averages, Kemper has average rates that are about 40% per month more expensive than those from General Casualty.

But General Casualty may not be the most affordable or best option for every single driver out there. Insurance companies vary their premiums depending on things like how clean your driving record is, where you live, how good your credit score is, how old you are, and a ton of other factors. So, at the end of the day, prices from each carrier will differ quite a bit from person to person.

Wanting to know if General Casualty or Kemper is really the right company for you? Keep on reading to see how average premiums can change based on all of the factors we've mentioned above.

General Casualty or Kemper: Average Car Insurance Rates by State

General Casualty and Kemper only compete against each other in three states, with General Casualty offering less expensive prices to the average driver in all of them. Montana has the most noticable difference, where General Casualty rates are over 60% more affordable than car insurance prices at Kemper.

But there's more to auto insurance than just the state you live in. As we mentioned above, there's a lot of things that go into how insurance carriers calculate your rates. Keep reading to learn more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers generally pay a lot more for auto insurance than any other group of drivers. It's because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

That being said, that doesn't mean that teen drivers have to just accept sky-high insurance premiums. For example, 18-year-old drivers pay an average of more than $200 less a month by choosing General Casualty over Kemper.

However, both companies will offer you dramatically lower prices by the time drivers turn 25. For example, average premiums for General Casualty policyholders lower over $150 and Kemper's rates decrease nearly $300 over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll usually enjoy the cheapest car insurance prices out there. You've been on the road for years, and all that experience pays off when it comes to your monthly premiums for insurance.

But who has the best rates for retired drivers between General Casualty and Kemper? General Casualty gets the edge, with prices for drivers 65 and older more than 30% cheaper than the national average for Kemper.

Which is the Best Company for Married Drivers?

Did you know that car insurance premiums are typically more expensive for single drivers than they are for married policyholders? That's because policies for married couples normally cover multiple cars, which several carriers will offer you a discount for.

When it comes to relationship status, General Casualty is the clear winner for those who are single, with rates around $111 per month less expensive than Kemper, on average. The advantage is also clear for married drivers - General Casualty offers the lowest average premiums.

General Casualty vs. Kemper: Average Rates by Gender

Men are statistically more likely than women to get pulled over for speeding or get into an accident. That means when it comes to auto insurance men will usually end up paying a little more.

Women typically pay almost 10% a month less than men with General Casualty, while with Kemper, the difference is closer to 8% per month.

Looking at the data for each carrier specifically, General Casualty offers the most affordable average rates for both men and women. On average, male drivers save about $98 a month and women save about $93 with General Casualty compared to the average Kemper policyholder.

General Casualty 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.

It's no secret that car insurance can be pretty complicated. There are so many different terms and limits that it can make it pretty confusing to find the right policy.

Even so, most policies that many drivers look at fall into two categories -- liability only (which provides bodily injury and property damage coverage for other drivers and their passengers if you cause a collision) and full coverage (which normally refers to having comprehensive and collision coverages alongside what you get with a liability policy).

If you're looking for state minimum liability limits, General Casualty generally offers significantly more affordable prices of $82 compared to Kemper's $139. When it comes to full coverage policies with similar limits, General Casualty again has the edge, with policies around $150 per month cheaper than Kemper, on average.

Is General Casualty or Kemper Better for Drivers with Spotty Records?

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

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

Which Company is Best for Drivers with Speeding Tickets?

General Casualty policyholders can expect their prices to go up an average of $43 a month if they get a ticket, while Kemper typically raises premiums about $45 per month, on average.

That being said, General Casualty is generally the more affordable option for both drivers who have a recent speeding ticket and those with clean records -- their rates are around 48% cheaper for drivers with clean records and 39% more affordable for those with a ticket.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their insurance through General Casualty can expect to see around an $56 -- or about 38% -- increase in their auto insurance prices. Drivers who use Kemper for their insurance will see a monthly bill around $85 (or 33%) more expensive after reporting an accident to their car insurance company.

Overall, the cheaper rates come from General Casualty, with monthly prices averaging $146 compared to Kemper's $259.

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 a collision. Kemper drivers usually see a 39% climb in their insurance rates after a DUI charge, while General Casualty will normally raise premiums by about 52%.

If you have a DUI on your record and are looking for more affordable rates, General Casualty tends to be the much less expensive option with average premiums of $186 a month compared to $287 from Kemper.

How does Credit Score Impact General Casualty and Kemper Rates?

Did you know that many car insurance carriers take into account your credit score when calculating prices? This isn't always the case (Hawaii, for example, has banned the use of credit score as a rating factor) but it does affect lots of drivers out there.

Auto insurance companies 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 cheaper premiums.

So, which carrier offers the best prices for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, you'll usually find a better deal with General Casualty. Policyholders with "excellent" credit can save over 40% compared to Kemper, and those with "good" scores can also expect to see savings -- around $90 or 43% more affordable every month.

Which Company is Best for Drivers with Bad Credit?

General Casualty typically offers lower rates than Kemper when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay about $101 a month less with General Casualty compared to Kemper, and those with "poor" scores usually save an average of around $128 monthly.

Is General Casualty or Kemper Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a pretty big impact on your monthly insurance cost. That's because the more miles you put on your vehicle, the more likely you are to get into an accident 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 General Casualty charges. However, there's a small difference in monthly prices for Kemper, with policyholders who drive the least paying about $1 less each month compared to those who drive 12,000 miles yearly. Still, General Casualty is the less expensive option for drivers in both categories.

General Casualty vs. 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 auto insurance, but the type of area you live in can have a considerable impact as well. Generally, those who live in urban areas will pay more than drivers in rural areas because there are a lot more cars on the roads in those areas.

When comparing these two carriers side-by-side, General Casualty normally comes out as the cheapest option for drivers in all types of areas, no matter if they're urban, suburban, or rural.

For policyholders in urban ZIP codes, General Casualty offers premiums around $151 per month compared to Kemper's $296. People who live in suburban ZIP codes can expect to pay about $134 per month for General Casualty and $226 for Kemper. Lastly, those in rural areas tend to get the most affordable prices from both companies, with average monthly premiums coming in at $131 and $182 for General Casualty and Kemper respectively.

General Casualty vs. Kemper Discounts

Regardless of 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 possible. That's where insurance discounts comes into play.

The challenging part is finding all of the discounts you can take advantage of, since it can feel sometimes like every carrier has different discounts and each one is advertised differently.

In the table below, we've compared all of the different discounts offered by General Casualty and Kemper so that you can see which one offers the most discounts and see which ones you might be able to take advantage of.

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

There are a couple discounts both carriers offer, but Kemper also offers AAA discounts, ABS discounts, continuous insurance discounts, and more that General Casualty does not.

On the flip side, General Casualty has a couple unique discounts of its own -- employee discounts and occupation discounts.

Final Thoughts: Is General Casualty or Kemper Best for You?

So, we've broken down the average rates for many of the factors auto insurance companies look at, and we've shown you all the discounts each company offers. That's all well and good, but at the end of the day, which carrier is the best fit for you?

General Casualty might be best for you if....

• You don't have any speeding tickets, DUIs, or at-fault collisions on your record.
• You want basic car insurance coverage at the state minimum limits.
• You are over 65 years old and want to save some money on your insurance.

Kemper might be best for you if...

• You value the experience that comes with a large national auto insurance company.
• You're looking for the carrier with the most discounts.

We hope this guide has ben a valuable resource as you compare General Casualty and Kemper. We also hope we've given you the information you need to make the best decision about your car insurance.

At the end of the day, the best way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from multiple carriers, not just General Casualty and Kemper. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get multiple quotes from some of the best car insurance companies in your area, all for free.

General Casualty vs. Kemper FAQs

Is General Casualty or Kemper cheaper?

Looking just at the national average prices, General Casualty is the more affordable of the two carriers, offering average rates of $139 a month compared to $235 for Kemper. However, General Casualty won't necessarily be the lowest company for every policyholder, since there are a range of different variables (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, General Casualty or Kemper?

Sadly, the real answer is "it depends.". One carrier is not "better" for each driver -- it all depends on what your unique insurance profile looks like.

Why do General Casualty and Kemper offer me different rates?

Car insurance companies take a look at a lot of different factors when determining the premiums 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 General Casualty and Kemper calculate rates using different factors, so each one will most likely offer different prices. The only real way to see which company is the cheapest for you is by comparing personalized quotes from lots of different carriers.

How do I know if General Casualty or Kemper is right for me?

The only way to find the auto insurance carrier that's right for you is by getting quotes from several companies and finding the one best suited for your individual budget. Luckily, sites like Compare.com do all the hard work for you. Just enter your area information and you'll get free quotes from dozens of the best insurance carriers in your area. With those, you can guarantee you're getting the best premium. And who knows, the best company for you might not be General Casualty 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.