Kemper vs. Missouri Farm Bureau: Which Company is the Best Fit for You?

Quick Facts

• Based on national averages for car insurance, Missouri Farm Bureau offers significantly more affordable prices than Kemper
• Kemper may help you save more money -- they offer more discounts than Missouri Farm Bureau Insurance
• Missouri Farm Bureau has less expensive rates for policyholders who are looking to purchase insurance with a spouse

Kemper or Missouri Farm Bureau: Which Company has the Cheapest Car Insurance?

So, you're considering switching to a new insurance policy. After all, you've seen ads from all sorts of companies offering big savings. But exactly how much can you save by switching?

You might have narrowed your search down to Kemper or Missouri Farm Bureau as potential options, but which one has cheaper prices for insurance?

Looking at the national average rates for both carriers, Missouri Farm Bureau is quite a bit cheaper than Kemper, with rates averaging $111 a month compared to $235 with Kemper.

But that doesn't necessarily mean Missouri Farm Bureau will be the less expensive option for each driver. After all, car insurance companies can offer drastically different rates to every driver depending on rating factors like your driving record, your age, your credit score, or even where you call home (among other things), so premiums will differ quite a bit from person to person.

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

Kemper vs. Missouri Farm Bureau: Average Car Insurance Rates by State

Kemper and Missouri Farm Bureau only compete against each other in Missouri, where Missouri Farm Bureau offers the cheaper average premiums. Missouri Farm Bureau drivers tend to pay about $155 per month less on average compared to drivers who use Kemper for their auto insurance.

That being said, there's a lot more that goes into your insurance cost than just your home state. 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 auto insurance than any other group of drivers. The reason is that teen 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 car insurance. For example, 18-year-old drivers pay an average of almost 50% less a month by choosing Missouri Farm Bureau over Kemper. It's worth noting that Kemper offers insurance in 15 different states compared to Missouri Farm Bureau's one, which can skew the average rates a bit, but the difference here is still considerable.

However, both carriers will reduce prices once you turn 25. For example, average premiums for Kemper policyholders decrease over 55% and Missouri Farm Bureau's rates lower more than 60% over that time.

Which is the Best Company for Retired Drivers?

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

But who has the best rates for retired drivers between Kemper and Missouri Farm Bureau? Missouri Farm Bureau gets the edge, with prices for drivers 65 and older $98 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 generally cover several vehicles, which a lot of companies will give you a discount for.

For single policyholders, the difference in average rates between these two carriers is significant, with Missouri Farm Bureau prices coming in at around half of Kemper's. The advantage is also clear for married drivers - Missouri Farm Bureau offers the lowest average rates.

Kemper or Missouri Farm Bureau: Average Rates by Gender

Women normally to pay less for auto insurance than men. That's because men are more likely to get into collisions and get tickets, which increases the chances of filing a claim with insurance.

With Kemper, women typically pay about $20 per month less than men, and around $17 less with Missouri Farm Bureau.

Looking at overall affordability, Missouri Farm Bureau comes out as the cheapest option for both genders. On average, women save about $123 a month and men save about $125 with Missouri Farm Bureau compared to the average Kemper policyholder.

Kemper vs. Missouri Farm Bureau: 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, insurance isn't the easiest topic to understand. There are so many different terms and limits that it can make it pretty confusing to find the right policy for you.

The two most common policies that drivers look at fall into two categories -- liability coverage (which covers the other party's injuries and property damage if you cause a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- alongside liability).

Looking specifically at state minimum limits for liability insurance, Missouri Farm Bureau has the significant edge, with average monthly premiums coming in at $51. If you want a full coverage policy with the same state minimum limits, Missouri Farm Bureau again has the edge, with policies averaging around $170 per month to Kemper's $331.

Is Kemper or Missouri Farm Bureau Better for Drivers with Spotty Records?

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

Accidents and speeding tickets will most likely raise your premiums, but is Kemper or Missouri Farm Bureau more affordable for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Kemper for their insurance can generally expect their monthly bill to go up about 21% after getting a speeding ticket. Missouri Farm Bureau policyholders can expect a less drastic increase of around 5%.

Even so, Missouri Farm Bureau has less expensive prices for drivers in both categories. With Missouri Farm Bureau Insurance, drivers with a clean record can save about $77 a month and drivers with a ticket can save around $117 per month.

Which Company is Best for Drivers After an Accident?

Kemper drivers who get in an accident can expect to see their premiums climb by just under 35%, while those who have insurance through Missouri Farm Bureau will see about a 10% increase.

At the end of the day, drivers who use Missouri Farm Bureau end up with the cheaper prices after an accident, with average prices coming in at $109 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. For example, Kemper increases average rates by more than $100 a month -- that's nearly a 40% increase.

Missouri Farm Bureau has the overall most affordable prices for drivers with a DUI on their records at $134 monthly, but it's worth noting that Kemper's average rates come from 15 states compared to just one for Missouri Farm Bureau, so the data may be skewed slightly.

How does Credit Score Impact Kemper and Missouri Farm Bureau Rates?

Did you know many auto insurance carriers take into account your credit score when determining premiums? This isn't true for everyone (Michigan, for example, has banned the use of credit score as an auto insurance factor) but it will come into play for quite a few policyholders.

The reasoning car insurance companies use is that drivers with bad credit will be less likely to pay their bills on time; so usually, they'll be asked to pay more, while those with good credit will be rewarded with more affordable rates.

Looking specifically at Kemper and Missouri Farm Bureau, which carrier has the lowest premiums for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have great credit, Missouri Farm Bureau will generally reward you the most. For drivers with "excellent" credit scores, Missouri Farm Bureau comes in more than 50.29 cheaper. Drivers with "good" credit scores usually save around 54% with Missouri Farm Bureau compared to average prices from Kemper.

Which Company is Best for Drivers with Bad Credit?

Missouri Farm Bureau typically offers lower rates than Kemper when it comes to drivers with a below average credit score. Drivers with "fair" credit pay about 55% per month less with Missouri Farm Bureau compared to Kemper, and those with "poor" scores typically save an average of around 53% a month.

Is Kemper or Missouri Farm Bureau 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 sizable impact on your monthly prices? Normally, the more milage you put on your car, the more you can expect to pay for insurance.

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

Kemper or Missouri Farm Bureau: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can play a big 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.

Missouri Farm Bureau tends to offer the lowest premiums for drivers in all types of areas, no matter if they're urban, suburban, or rural.

In urban areas, Missouri Farm Bureau's average rates are around $132 while Kemper offers prices about $296. People in suburban areas pay around $109 with Missouri Farm Bureau compared to Kemper's $226 per month. Those in rural areas can expect to pay about $90 a month with Missouri Farm Bureau compared to Kemper's $182.

Kemper vs. Missouri Farm Bureau Discounts

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

But where do you even start? With what seems like a million different discounts out there, it may be challenging to find all the ones you can take advantage of.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Kemper and Missouri Farm Bureau so that you can easily see which company offers the most discounts and, therefore, the largest savings.

Kemper knocks Missouri Farm Bureau out of the park when it comes to the sheer number of discounts available, offering 17 more discounts than Missouri Farm Bureau.

A couple of those are overlapping for things like discounts for being a good student, multi-policy discounts, and passive restraint discounts. Kemper also offers discounts for AAA, ABS, advance quote, and more.

On the other hand, Missouri Farm Bureau has a few proprietary discounts of their own for things like hybrid vehicle discounts, occupation discounts, and preferred customer discounts.

Final Thoughts: Is Kemper or Missouri Farm Bureau Best for You?

You've seen the role certain variables have on your auto insurance and the different discounts carriers offer. That's all well and good, but when it comes down to it, which insurance carrier is the right fit for you?

Missouri Farm Bureau 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 and your spouse are buying insurance together.

Kemper might be best for you if...

• You are considering moving to another state -- Missouri Farm Bureau Insurance only offers policies in Missouri.
• You care about discounts (Kemper offers the most).

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

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on insurance -- comparing quotes from multiple companies, not just Kemper and Missouri Farm Bureau. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP codes below and get multiple free quotes from some of the best car insurance carriers in your area, all in just a few minutes.

Kemper vs. Missouri Farm Bureau FAQs

Is Kemper or Missouri Farm Bureau cheaper?

Missouri Farm Bureau is the more affordable of the two companies when looking at national average rates, with policies averaging $111 a month with Missouri Farm Bureau and $235 for Kemper. However, that doesn't mean Missouri Farm Bureau will be the most affordable company 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, Kemper or Missouri Farm Bureau?

Sadly, the answer truly is "it depends.". Neither carrier is necessarily "better" for every policyholder -- it all boils down to your unique insurance profile.

Why do Kemper and Missouri Farm Bureau offer me different rates?

Auto insurance carriers use lots of different variables when calculating the premiums they charge. Factors such as where you call home, gender, age, where you park your vehicle, and sometimes even things like your credit score can all be taken into consideration. Both Kemper and Missouri Farm Bureau calculate prices using different formulas, so it's likely they'll offer different rates. The best way to determine which company is the cheapest for you is by comparing personalized quotes from many different companies.

How do I know if Kemper or Missouri Farm Bureau 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, sites like Compare.com do all the hard work for you. Just enter your area information 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 best premium. And maybe you'll find that the best company for you isn't Kemper or Missouri Farm Bureau 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.