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

Quick Facts

• Based on national averages for insurance, Integrity offers significantly more affordable rates than Kemper
• Integrity offers cheaper average premiums for single people who will be the only person on the car insurance policy
• Kemper may help you save more money -- they offer more discounts than Integrity Insurance

Integrity 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 might be considering Integrity or Kemper, but which carrier will save you the most?

As you can see, Kemper has average rates that are around 65% a month more expensive than those from Integrity when looking at the national average rates for insurance.

But Integrity may not be the most affordable or best option for each driver out there. Auto insurance carriers use a ton of complex algorithms to determine rates, so depending on how clean your driving record is or how old you are (among multiple other factors), you could see wildly different premiums from the ones above.

Wanting to know if Integrity or Kemper is really the right carrier for you? Keep on reading to see how average prices can change based on all of the factors we've mentioned above.

Integrity vs. Kemper: Average Car Insurance Rates by State

Integrity and Kemper only compete against each other in one states, with Integrity offering less expensive premiums to the average driver in all of them. Wisconsin has the most noticable difference, where Integrity prices are $132 more affordable than insurance rates at Kemper.

But there's more to auto insurance than just your home state. As we mentioned above, there's a lot of things that go into how car insurance companies calculate your premiums. Keep reading to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto insurance prices of any other group of drivers out there on the road. The reason is that 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.

However, that doesn't mean teen drivers can't still save money on their car insurance. For example, 18-year-old drivers pay an average of almost 60% less per month by choosing Integrity over Kemper.

Even so, both carriers will offer you dramatically lower rates once you turn 25. For example, average premiums for Integrity policyholders lower over 65% and Kemper's rates reduce more than 55% over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll usually enjoy the cheapest insurance prices you'll ever 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 Integrity and Kemper specifically, which company is best for retired drivers? Integrity gets the edge, with prices for drivers 65 and older $118 cheaper 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 those who are single than they are for married couples. That's because policies for married policyholders typically cover multiple vehicles, which quite a few companies will give you a discount for.

For single drivers, the difference in average prices between these two carriers is significant, with Integrity premiums coming in at about a third of Kemper's. The advantage is also clear for married drivers - Integrity offers the most affordable average rates.

Integrity or Kemper: Average Rates by Gender

Women generally to pay less for insurance than men. This is because men are statistically more likely than women to cause a collision and get into accidents, which leads to increased risk for insurers and, therefore, higher premiums.

Usually, women see rates around $10 a month less expensive with Integrity, and nearly $20 cheaper with Kemper when compared to their male counterparts.

Looking at the data for each carrier specifically, Integrity offers the cheapest average prices for both men and women, with average premiums 65% less for men and 66% cheaper for women.

Integrity 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.

For most people, car insurance can be pretty complicated. There are so many different limits and terms 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 (that covers property damage and bodily injury for other drivers and their passengers if you cause a collision) and full coverage (which normally refers to having collision and comprehensive coverages alongside liability).

Looking specifically at state minimum limits for liability insurance, Integrity has the significant edge, with average monthly rates coming in at $38. If you want a full coverage policy with the same state minimum limits, Integrity again has the edge, with policies averaging about $124 per month to Kemper's $331.

Is Integrity or Kemper Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from auto 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.

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

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Integrity for their insurance can typically expect their monthly bill to go up around 26% after getting a speeding ticket. Kemper policyholders can expect a less drastic increase of about 21%.

However, Integrity is normally the cheaper option for drivers both with a ticket and with a clean record, offering prices that are $111 and $134 more affordable, respectively, compared to Kemper.

Which Company is Best for Drivers After an Accident?

Both carriers will raise premiums pretty significantly if you get into an at-fault collision with Kemper climbing by around 33%. Integrity has a less extreme rise, but you can still expect to pay 25% more than you were prior to your first accident.

At the end of the day, drivers who use Integrity end up with the cheaper prices after an accident, with average prices coming in at $84 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. For example, Kemper increases average rates by more than $100 a month -- that's nearly a 40% increase.

How does Credit Score Impact Integrity and Kemper Rates?

In many cases, your credit score can be used as one of the variables to determine your monthly insurance prices. This isn't true for everyone (Michigan, for example, has banned the use of credit score as an insurance factor) but it will come into play for several drivers.

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

Looking specifically at Integrity and Kemper, which company has the best rates for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

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

Did you know that the amount of time you spend in your car have a substantial impact on how much insurance carriers will charge for coverage? Generally, the more milage you put on your car each year, the more you can expect to pay for coverage.

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

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

Where your home is can play a sizable role in how much you pay for car insurance. Usually, if you live in an urban area with more cars on the road, you'll pay a little more for auto insurance, while the opposite is true for people in rural areas.

When comparing these two companies side-by-side, Integrity typically comes out as the lowest option for drivers in all areas, regardless of if they're urban, suburban, or rural.

For drivers in urban ZIP codes, Integrity Insurance's average premiums are around 72% less than Kemper. People who live in suburban areas pay about 65% less with Integrity compared to Kemper. Those in rural areas can expect to save around 54% with Integrity compared to Kemper.

Integrity 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 difficult to nail down the carrier that has the most discounts for your unique driver profile and to find all the discounts you're eligible for.

Luckily, we did the hard work for you and looked at all of the different discounts Integrity and Kemper offer their customers so that you can see which one can save you the most money each month.

Kemper blows Integrity away when it comes to the sheer amount of discounts available, offering 11 more discounts than Integrity.

There are a couple discounts both carriers offer, but Kemper also offers discounts for AAA, ABS, driver training, and more.

On the other hand, Integrity has a few proprietary discounts of their own for things like company car discounts, life policy discounts, and prior bi limit discounts.

Final Thoughts: Is Integrity or Kemper Best for You?

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

Integrity might be best for you if....

• Your driving record includes a DUI charge.
• You're looking for the best premiums on liability only coverage.
• You've started working from home and don't have much of a commute.

Kemper might be best for you if...

• You value the experience that comes with a large national insurance carrier.
• You care about discounts (Kemper offers the most).

Hopefully, this guide has ben a valuable resource as you compare Integrity and Kemper. We also hope we've given you the information you need to make the best decision about your auto insurance.

At the end of the day, the best way to make sure you're getting the best deal on your insurance policy is to compare quotes from multiple companies, not just Integrity and Kemper. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code below and get multiple free quotes from some of the best car insurance carriers in your area, all in just a few minutes.

Integrity vs. Kemper FAQs

Is Integrity or Kemper cheaper?

Integrity is the more affordable of the two companies when looking at national average prices, with policies averaging $81 per month with Integrity and $235 for Kemper. But that doesn't mean Integrity will be the most affordable company for each driver, since there are a bunch of different variables (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Integrity or Kemper?

Unfortunately, the only answer we can give you is "it depends.". One carrier is not necessarily "better" for every policyholder -- it all depends on the makeup of your unique auto insurance profile.

Why do Integrity and Kemper offer me different rates?

Insurance carriers use many different factors when determining the rates they charge. Variables such as your driving record, gender, age, where you park your vehicle, and sometimes even things like your credit score can all be taken into consideration. Both Integrity and Kemper calculate premiums using different factors, so it's likely they'll offer different prices. The best way to determine which company is the lowest for you is by comparing personalized quotes from many different companies.

How do I know if Integrity 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 carriers and finding the one best suited for your individual budget. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code and you'll get quotes from dozens of your local top auto insurance companies for free. With those, you can guarantee you're getting the most affordable premium. And maybe you'll find that the best company for you isn't Integrity 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.