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

Quick Facts

• Looking at the national averages for insurance, Kemper offers slightly more affordable rates than Grange
• Grange offers more discounts than Kemper
• Kemper has cheaper prices for policyholders who don't have any speeding tickets, DUIs, or at-fault accidents on their record

Grange 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 huge discounts. But exactly how much can you save by switching?

You might have narrowed it down to Grange or Kemper, but between the two, which carrier will save you the most?

Looking at nationwide averages, Kemper is about $14 per month less expensive than Grange.

But that doesn't mean Kemper will necessarily be more affordable than Grange for every single driver. After all, car insurance companies can offer drastically different rates to each driver depending on rating factors like your driving record, your credit score, your age, or even where you call home (among other things), so rates will change quite a bit from person to person.

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

Grange or Kemper: Average Car Insurance Rates by State

Grange and Kemper only compete against each other in three states, with Grange offering cheaper prices to the average driver in all of them. If you live in Colorado, Kemper is the less expensive of the two carriers when looking at the overall average premiums. Grange is the cheaper option in California and Washington.

But there's more to calculating auto insurance prices than just where you live. Continue reading to learn more about how other factors will affect your rates.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive insurance rates of any other group of drivers out there on the road. It's because young, inexperienced drivers are statistically much more likely to get into an accident that results in an auto insurance claim, making them much riskier to insure.

Even so, that doesn't mean teen drivers can't still save money on their auto insurance. For example, 18-year-old drivers pay an average of more than $60 less a month by choosing Kemper over Grange.

However, with both companies, you'll see your prices drop significantly once you turn 25. For example, average premiums for Grange policyholders reduce nearly $350 and Kemper's rates decrease around $300 over that time.

Which is the Best Company for Retired Drivers?

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

So, which carrier offers the best rates to retired drivers? Kemper gets the edge here, with average premiums coming in at about $179 per month compared to Grange's $200.

Which is the Best Company for Married Drivers?

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

If you're in the market for car insurance, Kemper tends to have the most affordable average rates regardless of marital status, with prices almost $20 more affordable for single drivers and around $10 less expensive for married policyholders.

Grange vs. Kemper: Average Rates by Gender

Because men are more likely to get speeding tickets and get into collisions, they have an increased chance of filing a claim with insurance. Therefore, insurance companies will often charge men more than women.

Men usually pay over $10 per month more than women with Grange, while with Kemper, the difference is closer to $19 a month.

Looking at the data for each company specifically, Kemper offers the cheapest average premiums for both men and women, with average rates $11 less for men and $18 cheaper for women.

Grange 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.

For most people, auto 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.

That being said, most policies end up falling into two different types of coverage -- liability only (which provides property damage and bodily injury coverage for other drivers if you cause an accident) and full coverage (which typically refers to having comprehensive and collision coverages alongside what you get with a liability policy).

In this case, Kemper offers the lowest average prices for state minimum liability insurance, while Grange has the edge for full coverage policies with similar coverage limits. Drivers looking for basic state minimum coverage can save around $45 with Kemper, while full coverage comes out to be about $20 more affordable with Grange Insurance.

Is Grange or Kemper Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

It's no secret secret that tickets and at-fault collisions lead to higher rates, but which carrier -- Grange or Kemper -- has the most affordable premiums for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Grange policyholders can expect their prices to go up an average of $55 per month if they get a ticket, while Kemper normally raises premiums around $45 a month, on average.

However, Kemper tends to offer the best prices for drivers both with clean records and with a speeding ticket. Drivers with a clean record can save about $6 per month and drivers with a ticket can save around $16 a month with Kemper.

Which Company is Best for Drivers After an Accident?

Grange policyholders who get in a collision can expect to see their rates increase by over $85, while those who have insurance through Kemper will see about a $85 increase.

Overall, drivers who use Kemper end up with the cheaper prices after an accident, with monthly prices averaging $259 compared to Grange Insurance's $266.

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 speeding ticket when it comes to your car insurance bill. For example, Grange increases average premiums by just under $150 per month -- that's just under a 45% increase.

If you have a DUI on your record and are looking for more affordable rates, Kemper tends to be the much cheaper option with average prices of $287 a month compared to $314 from Grange.

How does Credit Score Impact Grange and Kemper Rates?

In many cases, your credit score can be used as one of the variables to calculate your monthly auto insurance rates. This isn't always the case (for example, Massachusetts and Hawaii are two states that ban the practice entirely), but it does affect a lot of drivers out there.

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

So, which company offers the lowest premiums for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, you'll usually find a better deal with Kemper. Drivers with "excellent" credit can save nearly 10% compared to Grange, and those with "good" scores can also expect to see savings -- around $15 or 7% less expensive each month.

Which Company is Best for Drivers with Bad Credit?

Kemper typically offers lower prices than Grange when it comes to drivers with a below average credit score. Drivers with "fair" credit pay about $12 a month less with Kemper compared to Grange, and those with "poor" scores usually save an average of around $20 monthly.

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

How much you drive can have a sizable impact on how much car insurance companies will charge for coverage. Generally, the more miles you drive, the more you can expect to pay for coverage.

Kemper tends to be the cheaper option for both drivers who put 6,000 miles on their vehicles yearly, as well as those who average twice that figure. Grange average premiums for drivers with 6,000 annual miles come in about $14 more expensive than Kemper. Those who drive 12,000 miles every year can expect to pay around $15 more with Grange over Kemper.

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

Where you park your vehicle can play a large role in how much you pay for auto insurance. Typically, policyholders who live in less densely populated rural areas will pay quite a bit less than urban drivers because of the small number of cars that are on the roads in those areas.

When comparing these two carriers side-by-side, Kemper boasts the cheapest average prices in rural and suburban areas, while Grange wins in urban areas.

For drivers in urban ZIP codes, Grange's average rates are about $292 while Kemper offers premiums around $296. Drivers in suburban ZIP codes pay about $226 with Kemper compared to Grange's $235 a month. If you live in a rural area, you can expect to pay around $182 per month with Kemper compared to Grange's $220.

Grange 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, and the best way to do that is by taking advantage of as many insurance discounts as you can.

But where do you even start? With so many discounts out there, it may seem difficult to find all the of the ones you qualify for.

In the section below, we've broken down all of the different discounts offered by both Grange and Kemper so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

Looking at the total number of discounts, Grange has the advantage when it comes to total number of discounts. Kemper offers a grand total of 24 discounts, while Grange has 28.

There are a couple discounts both companies offer, but Grange also offers advanced safety feature discounts, agency transfer discounts, annual mileage discounts, and more that Kemper does not.

On the flip side, Kemper has a couple unique discounts of its own -- AAA discounts, advance quote discounts, DRL discounts, and more.

Final Thoughts: Is Grange or Kemper Best for You?

So, you've seen how different factors can affect your car insurance prices. We've broken down the different discounts each company offers, too. But, at the end of the day, is Grange or Kemper the right company for you and your specific needs?

Kemper might be best for you if....

• You're single and purchasing auto insurance by yourself.
• Your neighborhood is in the suburbs.
• You drive fewer than 12,000 miles annually.

Grange might be best for you if...

• You're looking for the carrier with the most discounts.
• You're looking for more protection with "full coverage" insurance.
• You live in an urban area.

We hope this guide helps you get a better idea of the difference between Grange and Kemper and that you can now make a more informed decision when it comes to your auto insurance.

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

Grange vs. Kemper FAQs

Is Grange or Kemper cheaper?

Looking just at the national average premiums, Kemper is the more affordable of the two carriers, offering average rates of $235 per month compared to $249 for Grange. That being said, Kemper won't necessarily be the most affordable company for each driver, since there are several different variables that are considered when it comes to your auto insurance payment.

Who is better, Grange or Kemper?

Sadly, the real answer is "it depends.". No single carrier is "better" for every driver -- it all depends on the makeup of your unique car insurance profile.

Why do Grange and Kemper offer me different rates?

Insurance companies take a look at lots of different factors when calculating the prices they charge policyholders. Variables such as your driving record, gender, where you call home, age, and sometimes even things like your credit score can all be taken into consideration. Both Grange 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 lowest for you is by comparing personalized quotes from a range of different carriers.

How do I know if Grange 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 a handful of companies and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code and you'll get free quotes from dozens of the best auto insurance carriers in your area. That way, you can guarantee you're getting the best premium. And who knows, the best company for you might not be Grange 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.