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

Quick Facts

• Based on national averages for insurance, Integon National offers slightly more affordable prices than Kemper
• Integon National tends to be a much cheaper option for residents of rural areas
• Kemper offers more discounts than Integon National Insurance Company

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

Are you in the market for a new insurance policy? With so many ads from all sorts of companies offering sizable discounts, you're probably wondering exactly how much you might be able to save.

You might be considering Integon National or Kemper as potential options, but between the two, which carrier has less expensive premiums for auto insurance?

Looking at the national average rates for both companies, Integon National is about $17 per month more affordable than Kemper.

Even so, Integon National may not be the cheapest or best option for each driver out there. After all, insurance carriers can offer drastically different rates to each driver depending on rating factors like your age, where you call home, your credit score, or even your driving record (among other things), so prices could differ drastically from person to person.

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

Integon National or Kemper: Average Car Insurance Rates by State

Integon National and Kemper only compete against each other in three states, with Integon National offering cheaper rates to the average driver in all of them. If you live in California, Integon National is the less expensive of the two companies when looking at the overall average premiums. Kemper is the more affordable option in Virginia and Washington.

There are plenty of other factors that go into your car insurance payment than just where you call home. Keep reading to find out more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- normally pay a lot for insurance compared to older drivers. It's typically 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 teen drivers can't still save money on their auto insurance. For example, 18-year-old drivers pay an average of more than $55 less a month by choosing Kemper over Integon National.

But with both carriers, you'll see your rates lower significantly by the time you turn 25. For example, average prices for Integon National policyholders reduce nearly 70% and Kemper's premiums decrease over 55% over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll generally enjoy the most affordable car insurance prices you can find. You've been on the road for years, and all that experience pays off when it comes to your monthly rates for auto insurance.

When looking at Integon National and Kemper specifically, which carrier is best for retired drivers? Integon National gets the slight edge, with prices for drivers 65 and older around 5% less expensive than the national average for Kemper.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance premiums tend to be more expensive for single policyholders than they are for married couples. That's usually because married drivers tend to own and insure multiple cars, which can often earn you a discount.

When it comes to relationship status, the two companies are comparable for those who are single, with rates only differing about $5 per month, on average. The advantage for married policyholders is more obvious, where drivers who use Integon National save more than $30 a month.

Integon National vs. Kemper: Average Rates by Gender

Men are statistically more likely than women to get into an accident or get pulled over for speeding, which means they'll generally end up paying more for insurance than women.

On average, women see premiums almost $20 per month cheaper with Integon National, and around $19 less with Kemper.

Looking at overall affordability, Integon National offers the lowest average rates for both men and women. On average, male drivers save about $17 a month and women save about $16 with Integon National compared to the average Kemper policyholder.

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

The two most common policies end up falling into two different types of coverage -- liability only (which provides property damage and bodily injury coverage for other drivers and passengers if you cause a collision) and full coverage (which typically refers to having comprehensive and collision coverages alongside liability).

If you're looking for state minimum liability insurance, Integon National normally offers slightly more affordable prices of $128 compared to Kemper's $139. When it comes to full coverage policies with similar limits, Integon National again has the edge, with policies around $25 per month less expensive than Kemper, on average.

Is Integon National or Kemper Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their car 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 accidents lead to higher premiums, but which company -- Integon National or Kemper -- has the cheapest rates for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Integon National policyholders can expect their prices to go up an average of $78 a month if they get a ticket, while Kemper usually raises premiums about $45 per month, on average.

If you have a clean record, Integon National tends to offer the best prices at around 17% cheaper, while Kemper has the edge for drivers with a speeding ticket.

Which Company is Best for Drivers After an Accident?

Integon National drivers who get in an accident can expect to see their rates rise by over 50%, while those who have insurance through Kemper will see about a 35% increase.

Overall, drivers who use Kemper end up with the cheaper prices after an accident, with monthly premiums averaging $259 compared to Integon National Insurance Company's $300.

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 insurance bill. For example, Kemper increases average prices by over $100 a month -- that's just under a 40% increase.

If you have a DUI on your record and are looking for more affordable rates, Integon National tends to be the much more affordable option with average premiums of $204 a month compared to $287 from Kemper.

How does Credit Score Impact Integon National and Kemper Rates?

Did you know that many auto insurance carriers take into account your credit score when calculating 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 many policyholders out there.

Insurance companies argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, drivers with bad credit will often be forced to pay more.

So, which carrier offers the most affordable prices 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 15% compared to Integon National, and those with "good" scores can also expect to see savings -- around $6 or 3% cheaper every month.

Which Company is Best for Drivers with Bad Credit?

Integon National typically offers lower rates than Kemper when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay about $9 per month less with Integon National compared to Kemper, and those with "poor" scores normally save an average of around $62 monthly.

Is Integon National 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. That's because the fewer miles you put on your vehicle each year, the less likely you are to get into a collision and cause an insurance claim.

For both drivers who put 6,000 miles on their vehicles each year, as well as those who average twice that figure, Integon National tends to be the less expensive option. Kemper's average prices for drivers with 6,000 annual miles come in 7% more expensive than Integon National. Those who drive 12,000 miles annually can expect to pay 7% more with Kemper over Integon National.

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

Where you live can play a considerable 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 due to the small number of cars that are on the roads in those areas.

Integon National boasts the most affordable average prices in rural and urban areas, while Kemper wins in suburban areas.

In urban areas, Integon National Insurance Company's average premiums are about 25% less than Kemper. Drivers in suburban ZIP codes pay around 12% less with Kemper compared to Integon National. If you live in a rural area, you can expect to save about 4% with Integon National compared to Kemper.

Integon National vs. Kemper Discounts

Regardless of why you might be in the market for a new insurance policy, you're always going to want to save as much money as possible, and the best way to do that is by utilizing as many car 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 can take advantage of.

In the section below, we've compared all of the different discounts offered by Integon National and Kemper so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Kemper knocks Integon National out of the park when it comes to the sheer number of discounts available, offering six more discounts than Integon National.

Both companies offer many of the same discounts -- like advance quote discounts, discounts for being a defensive driver, DRL discounts, and discounts for being a good student -- but Kemper also offers AAA discounts, continuous insurance discounts, distant student discounts, and more that Integon National does not.

On the flip side, Integon National has a couple unique discounts of its own -- agency transfer discounts, drug and alcohol awareness discounts, and low cost coverage discounts.

Final Thoughts: Is Integon National or Kemper Best for You?

You've seen the role certain factors have on your auto insurance and the different discounts carriers offer. That's all well and good, but at the end of the day, is Integon National or Kemper the best company for you and your specific profile and needs?

Integon National might be best for you if....

• You have a DUI charge on your record.
• You're looking for more protection with "full coverage" car insurance.
• You don't spend much time in your car.

Kemper might be best for you if...

• You already have plans to move to another state -- Integon National Insurance Company only offers policies in four states.
• You have above-average credit.
• Your neighborhood is in the suburbs.

We hope this guide has ben a valuable resource as you compare Integon National and Kemper and that you can now make a more informed decision when it comes to your insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your car insurance policy is to compare quotes from a handful of companies, not just Integon National 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 carriers in your area, all in just a few minutes.

Integon National vs. Kemper FAQs

Is Integon National or Kemper cheaper?

Looking just at the national average rates, Integon National is the cheaper of the two companies, offering average rates of $218 a month compared to $235 for Kemper. However, Integon National won't necessarily be the cheapest carrier for every driver, since there are a range of different variables (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Integon National or Kemper?

Unfortunately, the answer truly is "it depends.". Neither company is "better" for everyone -- it all depends on what your unique auto insurance profile looks like. For example, Kemper offers less expensive premiums for policyholders with an at-fault collision on their record, while Integon National is more affordable for drivers who have less-than-stellar credit scores.

Why do Integon National and Kemper offer me different rates?

Insurance carriers take a look at several different factors when determining the rates they charge drivers. Things such as age, gender, your driving record, where you call home, and sometimes even things like your credit score can all be taken into consideration. Both Integon National and Kemper calculate prices using different formulas, so each one will most likely offer different premiums. The only real way to see which carrier is the lowest for you is by comparing personalized quotes from a bunch of different companies.

How do I know if Integon National 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 multiple carriers 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 free quotes from dozens of the best car insurance companies 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 Integon National 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.