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

Quick Facts

• Looking at the national averages for car insurance, Imt offers significantly less expensive prices than Kemper
• Imt offers more affordable rates for policyholders who drive a short distance to work everyday
• Kemper offers more discounts than IMT Insurance

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

Are you in the market for a new insurance policy? After all, you've seen ads from all sorts of companies offering hefty discounts. But exactly how much can you save by switching?

You've maybe even narrowed it down to Imt or Kemper for your next policy, but which company has more affordable prices for auto insurance?

Looking at nationwide averages, Imt has average rates that are about 55% per month cheaper than those from Kemper.

Even so, that doesn't mean Imt will necessarily be more affordable than Kemper for each driver. Car insurance companies use tons of complex algorithms to calculate premiums, so depending on how good your credit score is or how old you are (among lots of other factors), you could see wildly different prices from the ones above.

Luckily, we've broken down average premiums from both Imt and Kemper by several different rate factors, so read on to find out which carrier is the best for you.

Imt or Kemper: Average Car Insurance Rates by State

Imt and Kemper only compete against each other in one states, with Imt offering less expensive rates to the average driver in all of them. Wisconsin has the most noticable difference, where Imt premiums are over 70% cheaper than insurance prices at Kemper.

That being said, there's a lot more that goes into your auto insurance payment than just where you live. Read on to find out more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- typically pay a lot for car insurance compared to older drivers. Normally, that'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.

But that doesn't mean teen drivers can't still save money on their insurance. For example, 18-year-old drivers pay an average of nearly $300 less a month by choosing Imt over Kemper.

However, with both carriers, you'll see your rates drop significantly by the time you turn 25. For example, average premiums for Imt policyholders decrease more than 45% and Kemper's rates lower over 55% over that time.

Which is the Best Company for Retired Drivers?

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

When looking at Imt and Kemper specifically, which company is best for retired drivers? Imt gets the edge, with rates for drivers 65 and older $97 more affordable than the national average for Kemper.

Which is the Best Company for Married Drivers?

Did you know that car insurance prices are generally cheaper for married couples than they are for those who are single? That's usually because married drivers tend to own and insure more than one car, which can often earn you a discount.

When it comes to relationship status, Imt is the clear winner for single drivers, with premiums around $148 per month less expensive than Kemper, on average. The advantage for married policyholders with Imt is also obvious, where drivers save more than $95 a month.

Imt vs. Kemper: Average Rates by Gender

Men are statistically more likely than women to cause a collision and get into accidents. That means when it comes to insurance men will normally end up paying a little more.

Men typically pay over 10% more per month than women with Imt, and about 8% more with Kemper.

Looking at the data for each carrier specifically, Imt offers the lowest average rates for both men and women, with average prices $129 less for men and $122 cheaper for women.

Imt 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 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.

The two most common policies that many drivers look at fall into two categories -- liability only (that covers property damage and bodily injury for other drivers and passengers if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- alongside what you get with a liability policy).

If you're looking for state minimum liability insurance, Imt normally offers significantly more affordable premiums of $58 compared to Kemper's $139. When it comes to full coverage policies with similar limits, Imt again has the edge, with policies around $150 a month cheaper than Kemper, on average.

Is Imt or Kemper Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from 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.

Tickets and collisions will most likely raise your rates, but is Imt or Kemper less expensive for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Imt policyholders can expect their premiums to go up an average of $13 per month if they get a ticket, while Kemper typically raises prices about $45 a month, on average.

That being said, Imt tends to offer the best prices for both drivers who have clean records and those with a recent speeding ticket, offering rates that are $98 and $130 more affordable, respectively, compared to Kemper.

Which Company is Best for Drivers After an Accident?

Both carriers will raise prices pretty significantly if you get into an at-fault accident with Kemper raising by $85. Imt has a less extreme rise, but you can still expect to pay just under $60 more than you were prior to your first collision.

Overall, drivers who use Imt end up with the cheaper prices after an accident, with monthly rates averaging $134 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 accident or ticket when it comes to your car insurance bill. For example, Kemper increases average premiums by over $100 per month -- that's just under a 40% increase.

How does Credit Score Impact Imt and Kemper Rates?

You may not realized it, but your credit score can be used as one of the factors to determine your monthly auto insurance rates. This isn't always the case (Massachusetts, for example, has banned the use of credit score as a rating factor) but it does affect a lot of drivers out there.

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 company offers the cheapest prices for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Imt 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 car insurance bill. Generally, those who drive less will end up with less expensive rates since there's less of a chance of getting into a collision and causing an insurance claim.

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

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

Where you live can have a pretty big impact on your monthly insurance cost. Usually, those who live in urban areas will pay more than policyholders in rural areas because of the number of vehicles that are on the roads in those areas.

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

Drivers in rural ZIP codes see the most affordable prices from both carriers, but Imt comes out on top with average premiums about $90 per month. Imt also has less expensive average rates for policyholders in urban and suburban ZIP codes -- a 54% and 56% a month respective difference when compared to Kemper drivers in similar areas.

Imt vs. Kemper Discounts

You want to save as much money as possible, right? The best way to do that is by utilizing as many car insurance discounts as you can.

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.

Below, we've broken down all of the different discounts offered by both Imt and Kemper so that you can see which one can save you the most money each month.

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

Both companies offer several of the same discounts -- like distant student discounts, discounts for being a good student, and group discounts -- but Kemper also offers AAA discounts, ABS discounts, advance quote discounts, and more that Imt does not.

On the flip side, Imt has a couple unique discounts of its own -- commercial product discounts and minor child discounts.

Final Thoughts: Is Imt or Kemper Best for You?

So, you've seen how different variables can affect your auto insurance premiums. We've broken down the different discounts each carrier offers, too. But, when it comes down to it, is Imt or Kemper the right carrier for you and your specific driver profile?

Imt might be best for you if....

• You haven't received any speeding tickets or been in an accident in the last few years.
• You live in an urban area.
• You drive fewer than 6,000 miles yearly.

Kemper might be best for you if...

• You already have plans to move to another state -- undefined is only available to residents.
• You're looking for the company with the most discounts.

We hope this guide helps you get a good idea of the differences between Imt and Kemper. We also hope we've given you the information you need to make the best decision when it comes to 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 several carriers, not just Imt and Kemper. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP codes below and get free quotes from dozens of top insurance companies in your area, all in just a few minutes.

Imt vs. Kemper FAQs

Is Imt or Kemper cheaper?

Looking just at the national average prices, Imt is the cheaper of the two carriers, offering average rates of $109 per month compared to $235 for Kemper. However, Imt won't necessarily be the cheapest carrier for each policyholder, since there are a variety of different factors (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Imt or Kemper?

Unfortunately, the real answer is "it depends.". No single company is "better" for every driver -- it all comes down to what your unique car insurance profile looks like.

Why do Imt and Kemper offer me different rates?

Insurance companies take a look at quite a few different variables when calculating the rates they charge policyholders. Factors like gender, age, your driving record, where you call home, and sometimes even things like your credit score can all be used. Both Imt and Kemper calculate premiums using different formulas, so each one will most likely offer different rates. The only real way to see which carrier is the lowest for you is by comparing personalized quotes from a bunch of different carriers.

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

The only way to find the auto insurance company 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, 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. That way, you can guarantee you're getting the best price. And who knows, the best carrier for you might not be Imt 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.