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

Quick Facts

• Looking at the national averages for auto insurance, Hastings Mutual offers cheaper prices than Kemper
• Hastings Mutual has more affordable rates for policyholders who are looking to purchase insurance with a spouse
• Kemper may help you save more money -- they offer more discounts than Hastings Mutual Insurance Company

Hastings Mutual 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've maybe even narrowed it down to Hastings Mutual or Kemper for your next policy, but which company will offer you less expensive premiums?

Looking at nationwide averages, Kemper has average rates that are around 10% a month more expensive than those from Hastings Mutual.

But Hastings Mutual may not be the lowest or best option for every driver out there. Car insurance carriers use a ton of complex algorithms to determine rates, so depending on where you live or how clean your driving record is (among a whole range of other factors), you could see wildly different prices from the ones above.

So, if you want to find out which of Hastings Mutual or Kemper is really the best for you, keep reading to see average rates for each carrier broken down by a bunch of different rate factors.

Hastings Mutual vs. Kemper: Average Car Insurance Rates by State

Hastings Mutual and Kemper only compete against each other in one states, with Hastings Mutual offering more affordable prices to the average driver in all of them. Wisconsin has the most noticable difference, where Hastings Mutual premiums are $41 less expensive than insurance rates at Kemper.

There's a lot more that goes into your auto insurance payment than just where you live. 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 out there on the road. That's because teen 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 premiums, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Hastings Mutual for their auto insurance pay over 25% less than those who use Kemper.

Even so, both companies will offer you dramatically lower prices once you turn 25. For example, average premiums for Hastings Mutual policyholders drop about $150 and Kemper's rates reduce around $300 over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age generally enjoy some of the most affordable insurance prices you'll ever find. After all, they've likely been driving for quite some time, which normally decreases their chances of collisions and other infractions that can raise rates.

When looking at Hastings Mutual and Kemper specifically, which company is best for retired drivers? Hastings Mutual gets the slight edge, with prices for drivers 65 and older $12 cheaper than the national average for Kemper.

Which is the Best Company for Married Drivers?

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

For single policyholders, the difference in average rates between these two companies is significant, with Hastings Mutual prices coming in at about 15% less than Kemper's. But for married policyholders, that advantage is much less clear - Hastings Mutual offers the lowest average premiums , but the difference is less than $5.

Hastings Mutual or Kemper: Average Rates by Gender

Men tend to pay more for insurance than women. This is because men are statistically more likely than women to get into a collision or get pulled over for speeding, which leads to increased risk for insurers and, therefore, higher rates.

With Hastings Mutual, women usually pay around 2% per month less than men, but with Kemper, the difference is closer to 8% a month.

When it comes to the cheapest premiums for each gender, Hastings Mutual offers the most affordable average prices for both men and women. On average, women save about $17 per month and men save about $31 with Hastings Mutual compared to the average Kemper policyholder.

Hastings Mutual 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.

Auto insurance can be a complicated subject for most people. There are so many different coverages and limits that it can make it pretty confusing to find the right policy for you.

That being said, most policies that drivers look at fall into two categories -- liability coverage (which provides bodily injury and property damage coverage for other drivers if you cause an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, alongside liability coverage).

When it comes to state minimum liability insurance, Kemper has the edge, while Hastings Mutual offers the cheapest average premiums for full coverage policies with similar coverage limits. Policyholders looking for basic state minimum coverage can save around $3 with Kemper, while full coverage comes out to be around $50 more affordable with Hastings Mutual Insurance Company.

Is Hastings Mutual 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.

It's no secret secret that accidents and speeding tickets lead to higher rates, but which carrier -- Hastings Mutual or Kemper -- has the most affordable prices for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Drivers who use Hastings Mutual for their insurance can generally expect their monthly bill to go up about 16% after getting a speeding ticket. Kemper policyholders can expect a bit more drastic of an increase of around 21%.

However, Hastings Mutual tends to offer the best prices for drivers both with clean records and with a ticket -- their rates are around 37% cheaper for drivers with clean records and 41% less expensive for those with a ticket.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their car insurance through Hastings Mutual can expect to see about an $17 -- or around 13% -- rise in their auto insurance premiums. Drivers who use Kemper for their insurance will see a monthly bill about $85 (or 33%) more expensive after reporting a collision to their car insurance company.

At the end of the day, the cheaper rates come from Hastings Mutual, with average prices coming in at $126 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 collision or speeding ticket when it comes to your auto insurance bill. Hastings Mutual drivers usually see a 77% increase in their insurance rates after a DUI charge, while Kemper will typically raise premiums by around 39%.

How does Credit Score Impact Hastings Mutual and Kemper Rates?

Did you know many auto insurance carriers take into account your credit score when determining prices? Certain states and companies do not allow for credit score to be used as an auto insurance factor, but it does affect many policyholders out there.

The reasoning insurance carriers use is that drivers with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper rates, while those with poor credit will normally be forced to pay more.

So, which carrier offers the best premiums for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

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

How much you drive can have a big impact on how much car insurance companies will charge for coverage. Usually, those who drive less will end up with less expensive prices since there's less of a chance of causing an accident and filing an insurance claim.

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

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

Where you call home can play a substantial role in how much you pay for auto insurance. Generally, those who live in urban areas will pay more than drivers in rural areas since there are a lot more vehicles on the roads where they live.

Hastings Mutual boasts the cheapest average rates for drivers in all types of areas, no matter if they're urban, suburban, or rural.

For policyholders in urban ZIP codes, Hastings Mutual Insurance Company's average premiums are around $5 less than Kemper. People who live in suburban areas pay about $49 less with Hastings Mutual compared to Kemper. Those in rural areas can expect to save around $18 with Hastings Mutual compared to Kemper.

Hastings Mutual 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 where do you even start? With what seems like a million different discounts out there, it may be hard to find all the ones you qualify for.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Hastings Mutual and Kemper so that you can see which carrier offers the most discounts and see which ones you might be able to take advantage of.

Kemper blows Hastings Mutual away when it comes to the sheer amount of discounts available, offering 24 different discounts to Hastings Mutual's 10.

Both carriers offer lots of the same discounts -- like anti-theft discounts, discounts for being a good driver, and discounts for being a good student -- but Kemper also offers discounts for AAA, advance quote, continuous insurance, and more.

On the other hand, Hastings Mutual has a few proprietary discounts of their own for things like company car discounts, prior carrier discounts, and workloss exclusion discounts.

Final Thoughts: Is Hastings Mutual or Kemper Best for You?

You've seen the effect certain variables have on your car insurance and the different discounts companies offer. That's all well and good, but when it comes down to it, is Hastings Mutual or Kemper the best one for you, your vehicle, and your wallet?

Hastings Mutual might be best for you if....

• You have an at-fault accident on your record.
• You already have a great credit score.
• You're of retirement age and want to take advantage of lower rates.

Kemper might be best for you if...

• Your driving record includes a DUI charge.
• You care about discounts (Kemper offers the most).
• You're looking for the best prices on liability only coverage.

Hopefully, this guide helps you get a good idea of the differences between Hastings Mutual and Kemper. We also hope we've given you the information you need to make the best 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 carriers, not just Hastings Mutual and Kemper. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP codes below and get multiple quotes from some of the best car insurance companies in your area, all for free.

Hastings Mutual vs. Kemper FAQs

Is Hastings Mutual or Kemper cheaper?

Hastings Mutual is the cheaper of the two carriers when looking at national average rates, with policies averaging $211 a month with Hastings Mutual and $235 for Kemper. But that doesn't mean Hastings Mutual will be the most affordable company for every driver, since there are lots of different factors (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Hastings Mutual or Kemper?

Sadly, the answer truly is "it depends.". One carrier is not necessarily "better" for everyone -- it all depends on the makeup of your unique auto insurance profile. For example, Hastings Mutual is more affordable for drivers with excellent credit, while Kemper offers less expensive prices for drivers with a recent DUI.

Why do Hastings Mutual and Kemper offer me different rates?

Insurance companies use lots of different variables when calculating the premiums they charge. Factors like your driving record, gender, age, where your home is, and sometimes even things like your credit score can all be taken into consideration. Both Hastings Mutual and Kemper calculate rates differently, so it's likely they'll offer different premiums. The best way to determine which company is the lowest for you is by comparing personalized quotes from several different carriers.

How do I know if Hastings Mutual 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 ZIP code and you'll get quotes from dozens of your local top car insurance carriers for free. With those, you can guarantee you're getting the cheapest rate. And maybe you'll find that the best company for you isn't Hastings Mutual 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.