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

Quick Facts

• Looking at the national averages for auto insurance, Nevada Capital offers significantly cheaper prices than Kemper
• Kemper may help you save more money -- they offer more discounts than Nevada Capital Insurance Company
• Nevada Capital has more affordable premiums in NV

Kemper or Nevada Capital: 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 hefty savings. But exactly how much can you save by switching?

You've maybe even narrowed your search down to Kemper or Nevada Capital, but which one will offer you less expensive rates?

As you can see, Kemper has average rates that are around 45% a month more expensive than those from Nevada Capital when looking at the national average rates for car insurance.

Even so, that doesn't necessarily mean Nevada Capital will be the cheaper option for every driver. Auto insurance carriers vary their premiums depending on things like how old you are, how good your credit score is, how clean your driving record is, where you live, and a ton of other factors, so prices will change quite a bit from person to person.

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

Kemper vs. Nevada Capital: Average Car Insurance Rates by State

Kemper and Nevada Capital only compete against each other in Nevada, where Nevada Capital offers the cheaper average prices. Nevada Capital drivers tend to pay about $109 per month less on average compared to drivers who use Kemper for their car insurance.

There's a lot more that goes into your insurance bill than just where you live. Read on to learn more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive car insurance premiums of any other group of drivers. That's because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But still, even with seemingly sky-high prices, teen drivers can still find ways to save money. As you can see above, teens who use Nevada Capital save over 45% a month compared to those who use Kemper. It's worth noting that Kemper offers insurance in 15 different states compared to Nevada Capital's one, which can skew the average premiums a bit, but the difference here is still considerable.

But both companies will offer you dramatically lower rates once you turn 25. For example, average premiums for Kemper policyholders reduce more than 55% and Nevada Capital's rates decrease almost 55% over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll normally enjoy the cheapest auto insurance prices you'll ever see. You've been on the road for years, and all that experience pays off when it comes to your monthly rates for car insurance.

When looking at Kemper and Nevada Capital specifically, which carrier is best for retired drivers? Nevada Capital gets the edge, with prices for drivers 65 and older $94 less expensive than the national average for Kemper.

Which is the Best Company for Married Drivers?

Did you know that auto insurance premiums are usually more affordable for married drivers than they are for single drivers? This usually boils down to married policyholders having several vehicles on their policy -- something quite a few insurance carriers will reward with discounts.

For single policyholders, the difference in average rates between these two companies is significant, with Nevada Capital premiums coming in at about half of Kemper's. The advantage is also clear for married couples - Nevada Capital offers the lowest average prices.

Kemper or Nevada Capital: Average Rates by Gender

Did you know men generally pay more for car insurance than women? That's because women are less likely to get tickets and get into collisions, which lowers the chances of filing a claim with insurance.

Usually, men see rates around $20 per month higher with Kemper, but with Nevada Capital, the difference is closer to $2 a month.

When it comes to the most affordable prices for each gender, Nevada Capital comes out as the cheapest option for both genders. On average, women save about $101 per month and men save about $118 with Nevada Capital compared to the average Kemper policyholder.

Kemper vs. Nevada Capital: 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 a variety of different coverages that account for lots of different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause a collision.

That being said, 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 an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to what you get with a liability policy).

Looking specifically at state minimum liability limits, Nevada Capital has the significant edge, with average monthly premiums coming in at $75. If you want a full coverage policy with the same state minimum limits, Nevada Capital again has the edge, with policies averaging around $174 a month to Kemper's $331.

Is Kemper or Nevada Capital Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their auto insurance. But that's not to say you can't save money if you don't have the best driving record, either.

At-fault collisions and speeding tickets will most likely raise your prices, but is Kemper or Nevada Capital less expensive for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Kemper for their insurance can typically expect their monthly bill to go up about 21% after getting a speeding ticket. Nevada Capital policyholders can expect a bit more drastic of an increase of around 23%.

However, Nevada Capital is usually the more affordable option for both drivers who have a recent ticket and those with clean records -- their rates are around 49% cheaper for drivers with clean records and 47% more affordable for those with a ticket.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their car insurance through Kemper can expect to see about an $85 -- or around 33% -- rise in their auto insurance rates. Drivers who use Nevada Capital for their insurance will see a monthly bill about $37 (or 29%) more expensive after reporting a collision to their car insurance company.

At the end of the day, the cheaper premiums come from Nevada Capital, with average prices coming in at $126 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 an accident. Kemper drivers usually see a 39% increase in their auto insurance rates after a DUI charge, while Nevada Capital will normally climb premiums by around 47%.

Nevada Capital has the overall most affordable rates for drivers with a DUI on their records at $168 per month, but it's worth noting that Kemper's average rates come from 15 states compared to just one for Nevada Capital, so the data may be skewed slightly.

How does Credit Score Impact Kemper and Nevada Capital Rates?

You may not have known, but your credit score can come into play when carriers determine your monthly bill. Certain states and companies do not allow for credit score to be used as an insurance factor, but it might come into play for lots of drivers.

Car insurance carriers 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 Nevada Capital and Kemper, which carrier has the best prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, Nevada Capital will generally reward you the most. For drivers with "excellent" credit scores, Nevada Capital comes in nearly 42.86 less expensive. Drivers with "good" credit scores typically save about 45% with Nevada Capital compared to average premiums from Kemper.

Which Company is Best for Drivers with Bad Credit?

Nevada Capital typically offers lower rates than Kemper when it comes to drivers with bad credit. Drivers with "fair" credit pay around 47% per month less with Nevada Capital compared to Kemper, and those with "poor" scores generally save an average of about 52% monthly.

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

How much you drive can have a pretty big impact on your monthly insurance cost. Usually, those who drive less will end up with cheaper premiums since there's less of a chance of causing a collision and filing an insurance claim.

Nevada Capital tends to be the less expensive option for both remote workers and those taking short commutes. Kemper's average prices for drivers with 6,000 annual miles come in around 50% more expensive than Nevada Capital. Those who drive 12,000 miles annually can expect to pay about 44% more with Kemper over Nevada Capital.

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

Where you park your vehicle can have a substantial impact on your monthly auto insurance payment. Typically, those who live in rural areas will pay less than policyholders in urban areas because of the small number of cars that are on the roads where they live.

When comparing these two companies side-by-side, Nevada Capital normally comes out as the lowest option for drivers in every type of area, no matter if it's urban, suburban, or rural.

If you live in a rural area, you can expect to pay around $89 a month with Nevada Capital compared to Kemper's $182. Drivers in suburban ZIP codes pay a monthly rate of about $114 with Nevada Capital compared to $226 with Kemper. For drivers in urban ZIP codes, Nevada Capital's average rates are around $171 while Kemper offers prices about $296.

Kemper vs. Nevada Capital Discounts

No matter why you might be in the market for a new car insurance policy, you're always going to want to save as much money as you can, and the best way to do that is by taking advantage of as many auto 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 looked at all of the different discounts Kemper and Nevada Capital offer their customers so that you can find the one that has the most discounts and, therefore, the largest savings.

Kemper blows Nevada Capital away when it comes to the sheer amount of discounts available, offering nine more discounts than Nevada Capital.

A couple of those are overlapping for things like advance quote discounts, discounts for being a defensive driver, discounts for being a good driver, and multi-policy discounts. Kemper also offers discounts for AAA, continuous insurance, distant student, and more.

On the other hand, Nevada Capital has a few proprietary discounts of their own for things like employee discounts, good payer discounts, and prior carrier discounts.

Final Thoughts: Is Kemper or Nevada Capital Best for You?

So, we've broken down the average premiums for many of the variables insurance carriers look at, and we've shown you all the discounts each company offers. But, at the end of the day, is Kemper or Nevada Capital the best fit for you?

Nevada Capital might be best for you if....

• You have a clean record.
• You live in an suburban area.
• You want to save money while purchasing car insurance for a teenager.

Kemper might be best for you if...

• You're planning on moving to another state soon -- Nevada Capital Insurance Company only offers policies in NV.
• You're looking for discounts -- Kemper has the most.

Hopefully, this guide has ben a valuable resource as you compare Kemper and Nevada Capital. We also hope we've given you the information you need to make the best decision about your 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 companies, not just Kemper and Nevada Capital. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP codes below and get free quotes from dozens of top insurance carriers in your area, all in just a few minutes.

Kemper vs. Nevada Capital FAQs

Is Kemper or Nevada Capital cheaper?

Nevada Capital is the more affordable of the two companies when looking at national average prices, with policies averaging $125 a month with Nevada Capital and $235 for Kemper. But that doesn't mean Nevada Capital will be the most affordable carrier for everyone, since there are several different factors that come into play when it comes to your auto insurance cost.

Who is better, Kemper or Nevada Capital?

Unfortunately, the only answer we can give you is "it depends.". One company is not "better" for each policyholder -- it all depends on what your unique car insurance profile looks like.

Why do Kemper and Nevada Capital offer me different rates?

Auto insurance carriers use a lot of different variables when determining the premiums they charge. Factors such as your driving record, age, gender, where you live, and sometimes even things like your credit score can all be taken into consideration. Both Kemper and Nevada Capital calculate rates differently, so it's likely they'll offer different premiums. The best way to determine which carrier is the lowest for you is by comparing personalized quotes from a bunch of different companies.

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

The only way to find the car insurance company 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 does all the hard work for you. Just enter your information once and you'll get quotes from dozens of your local top insurance companies for free. With those, you can guarantee you're getting the cheapest premium. And maybe you'll find that the best carrier for you isn't Kemper or Nevada Capital 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.