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

Quick Facts

• Based on national averages for insurance, Infinity offers significantly cheaper premiums than Kemper
• Infinity has more affordable prices in CA
• Kemper may help you save more money -- they offer more discounts than Infinity Insurance

Infinity 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 your search down to Infinity or Kemper as your top options, but between the two, which one will offer you cheaper premiums?

Looking at nationwide averages, Kemper is around $57 more a month than Infinity.

Even so, that doesn't mean Infinity will necessarily be less expensive than Kemper for each driver. Auto insurance carriers use tons of complex algorithms to determine prices, so depending on how good your credit score is or how old you are (among a lot of other factors), you could see wildly different rates from the ones above.

Luckily, we've broken down average premiums from both Infinity and Kemper by a range of different rate factors, so read on to find out which company is the best for you.

Infinity vs. Kemper: Average Car Insurance Rates by State

Infinity and Kemper only compete against each other in California, where Kemper offers the cheaper average prices. Kemper drivers tend to pay about $38 per month less on average compared to drivers who use Infinity for their car insurance.

There's a lot more that goes into your auto insurance cost than just where you live. Read on to find out more.

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. It's typically because teen 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 still, even with seemingly sky-high premiums, teen drivers can still find ways to save money. As you can see above, teens who use Infinity save over 4% a month compared to those who use Kemper. It's worth noting that Kemper offers car insurance in 15 different states compared to Infinity's one, which can skew the average rates a bit, but the difference here is still considerable.

That being said, both companies will offer you dramatically lower prices once you turn 25. For example, average rates for Infinity policyholders decrease almost 70% and Kemper's premiums drop more than 55% over that time.

Which is the Best Company for Retired Drivers?

When it comes to auto insurance, patience and experience pay off, with drivers around retirement age paying some of the cheapest prices out there.

When looking at Infinity and Kemper specifically, which carrier is best for retired drivers? Infinity gets the edge here, with average premiums coming in at about $134 a month compared to Kemper's $179.

Which is the Best Company for Married Drivers?

Married drivers tend to get slightly more affordable insurance prices than those who are single. This usually boils down to married couples having more than one vehicle on their policy -- something quite a few car insurance carriers will reward with discounts.

For single drivers, the difference in average rates between these two companies is significant, with Infinity premiums coming in at a quarter less than Kemper's. For married policyholders, the advantage is clear again - Infinity has the edge when it comes to average prices.

Infinity or Kemper: Average Rates by Gender

Because women are less likely to get into accidents and get tickets, they have a decreased chance of filing a claim with insurance. So, women tend to pay less for auto insurance than men.

With Infinity, everyone ends up paying the same monthly rates regardless of gender, and around 8% more with Kemper.

Looking at the data for each company specifically, Infinity offers the lowest average prices for both men and women, with average rates $66 less for men and $47 cheaper for women.

Infinity 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.

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

But most policies end up falling into two different types of coverage -- liability coverage (which covers the other party's injuries and property damage if you cause a collision) and full coverage (which normally refers to having collision and comprehensive coverages alongside what you get with a liability policy).

Looking specifically at state minimum liability insurance, Infinity has the significant edge, with average monthly premiums coming in at $93. If you want a full coverage policy with the same state minimum limits, Infinity again has the edge, with policies averaging about $262 per month to Kemper's $331.

Is Infinity or Kemper Better for Drivers with Spotty Records?

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

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

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Infinity for their insurance can usually expect their monthly bill to go up around 20% after getting a speeding ticket. Kemper policyholders can expect a bit more drastic of an increase of about 21%.

However, Infinity is generally the cheaper option for drivers both with a ticket and with a clean record -- their rates are around 26% more affordable for drivers with clean records and 27% less expensive for those with a ticket.

Which Company is Best for Drivers After an Accident?

Infinity drivers who get in an accident can expect to see their rates increase by just under 40%, while those who have insurance through Kemper will see around a 35% increase.

At the end of the day, drivers who use Infinity end up with the cheaper prices after an accident, with average prices coming in at $211 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 speeding ticket or even a collision. Kemper drivers usually see a 39% increase in their car insurance premiums after a DUI charge, while Infinity will typically raise rates by about 39%.

Infinity has the overall cheapest premiums for drivers with a DUI on their records at $211 monthly, but it's worth noting that Kemper's average rates come from 15 states compared to just one for Infinity, so the data may be skewed slightly.

How does Credit Score Impact Infinity and Kemper Rates?

Did you know many auto insurance companies take into account your credit score when determining prices? Certain states and carriers do not allow for credit score to be used as an insurance factor, but it does affect several policyholders 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, drivers with good credit will often be rewarded with cheaper rates.

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

Which Company is Best for Drivers with Good Credit?

Generally, if you have great credit, you can expect to be rewarded. Jumping from a "good" credit score to an "excellent" one will generally save Kemper customers around $35. Infinity, on the other hand, doesn't have data available for credit scores, which means they most likely don't use credit to calculate your prices.

Which Company is Best for Drivers with Bad Credit?

Having bad credit usually means you'll also see higher rates with Kemper. For drivers with less-than-stellar credit, at Kemper, you may pay about 25% a month more if you have "poor" credit compared to those with "fair" scores. It's an even larger difference when compared to drivers with "good" or "excellent" scores. On the other hand, Infinity doesn't have data available for credit scores, which means drivers with bad credit may find better rates with Infinity over Kemper.

Is Infinity 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 how much car insurance carriers will charge for coverage. Normally, those who drive less will end up with more affordable premiums since there's less of a chance of causing an accident and filing an insurance claim.

Infinity tends to be the less expensive option for both remote workers and those taking short commutes. Kemper average prices for drivers with 6,000 annual miles come in around $67 more expensive than Infinity. Those who drive 12,000 miles every year can expect to pay about $46 more with Kemper over Infinity.

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

Where you call home can have a large impact on your monthly auto insurance bill. Typically, those who live in urban areas will pay more than drivers in rural areas due to the number of cars that are on the roads where they live.

Infinity boasts the lowest average premiums for drivers in all areas, regardless of if they're urban, suburban, or rural.

For policyholders in urban ZIP codes, Infinity Insurance's average prices are around 33% less than Kemper. People who live in suburban areas pay about 18% less with Infinity compared to Kemper. Those in rural areas can expect to save around 18% with Infinity compared to Kemper.

Infinity vs. Kemper Discounts

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

But with what seems like a million different discounts out there, it can be hard to find all the ones you're eligible for or to nail down the carrier that has the most discounts for your unique driver profile.

Luckily, we did the hard work for you and compared all of the different discounts offered by Infinity and Kemper so that you can find the company that has the most discounts and, therefore, the largest savings.

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

There are a couple discounts both companies offer, but Kemper also offers discounts for AAA, ABS, advance quote, and more.

Infinity's discounts come through just three categories -- Defensive Driver, Good Driving, and Good Student.

Final Thoughts: Is Infinity or Kemper Best for You?

So, you've seen how different variables can affect your insurance rates. We've shown you all the discounts each company offers, too. But, when it comes down to it, which carrier is the right one for you and your specific needs?

Infinity might be best for you if....

• Your driving record includes a DUI charge.
• You want the most robust protection via a "full coverage" policy.
• You drive fewer than 6,000 miles annually.

Kemper might be best for you if...

• You have below-average credit.
• You already have a great credit score.
• You care about discounts (Kemper offers the most).

Hopefully, this guide has ben a valuable resource as you compare Infinity and Kemper and that you can now make a more informed decision when it comes to your car 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 Infinity and Kemper. Luckily, sites like Compare.com do all the hard work for you. Simply 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.

Infinity vs. Kemper FAQs

Is Infinity or Kemper cheaper?

Infinity is the cheaper of the two carriers when looking at national average premiums, with policies averaging $178 per month with Infinity and $235 for Kemper. Even so, that doesn't mean Infinity will be the most affordable company for each driver, since there are many different factors that are considered when it comes to your auto insurance payment.

Who is better, Infinity or Kemper?

Sadly, the answer truly is "it depends.". No one carrier is necessarily "better" for every policyholder -- it all boils down to your unique insurance profile. For example, Kemper is more affordable for drivers who have less-than-stellar credit scores, while Infinity offers less expensive prices for drivers with an at-fault collision on their record.

Why do Infinity and Kemper offer me different rates?

Car insurance companies use many different variables when calculating the rates they charge. Factors such as gender, age, your driving record, where you park your vehicle, and sometimes even things like your credit score can all come into play. Both Infinity and Kemper use different formulas, 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 Infinity 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 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 quotes from dozens of your local top insurance carriers for free. That way, you can guarantee you're getting the most affordable premium. And maybe you'll find that the best company for you isn't Infinity 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.