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

Quick Facts

• Looking at the national averages for auto insurance, Kemper offers slightly more affordable premiums than Nevada General
• Kemper has cheaper rates for policyholders who drive fewer than 12,000 miles each year
• Nevada General offers more affordable prices for residents of suburban areas

Kemper vs. Nevada General: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching your auto insurance. You've probably seen commercials and billboards from companies offering hefty discounts, but exactly how much money can you save by switching?

You might be considering Kemper or Nevada General for your next policy, but which company will offer you less expensive rates?

Looking at nationwide averages, Kemper is about $14 per month more affordable than Nevada General.

Even so, that doesn't mean Kemper will necessarily be less expensive than Nevada General for every single driver. Car insurance companies vary their premiums depending on things like where you live, how old you are, how clean your driving record is, how good your credit score is, and tons of other factors, so rates will vary quite a bit from person to person.

So, if you want to find out which of Kemper or Nevada General is really the best for you, keep reading to see average premiums for each carrier broken down by lots of different rate factors.

Kemper or Nevada General: Average Car Insurance Rates by State

Kemper and Nevada General only compete against each other in Nevada, where Kemper offers the cheaper average prices. For Nevada residents, Kemper offers auto insurance for $234 monthly on average. Nevada General's average rates come out to be more expensive, at $249 a month.

That being said, there are plenty of other factors that go into your car insurance bill than just where you live. Keep reading to learn more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive insurance prices of any group on the road. Typically, that's because young, inexperienced 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 premiums, teen drivers can still find ways to save money. As you can see above, teens who use Kemper save more than $100 a month compared to those who use Nevada General. It's worth noting that Kemper offers auto insurance in 15 different states compared to Nevada General's one, which can skew the average rates a bit, but the difference here is still considerable.

That being said, both carriers will offer you dramatically lower prices once you turn 25. For example, average premiums for Kemper policyholders decrease over 55% and Nevada General's rates lower more than 65% over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll usually enjoy the most affordable insurance prices out there. You've been on the road for years, and all that experience pays off when it comes to your monthly premiums for car insurance.

But who has the best prices for retired drivers between Kemper and Nevada General? Kemper gets the slight edge here, with average premiums coming in at around $179 per month compared to Nevada General's $188. However, the difference is only about 5%, so other factors (such as your driving record is or your credit score) will likely come into play when determining which company has the cheapest rates for you.

Which is the Best Company for Married Drivers?

Married policyholders tend to get slightly cheaper auto insurance premiums than single drivers. That's because policies for married drivers generally cover more than one car, which lots of companies will offer you a discount for.

If you're in the market for car insurance, Kemper tends to have the lowest average rates regardless of marital status, with prices around $1 more affordable for married couples and nearly $25 cheaper for single policyholders.

Kemper vs. Nevada General: Average Rates by Gender

You may not know, but insurance is normally more expensive for men than for women. This is because men are statistically more likely than women to get tickets and get into collisions, which leads to increased risk for insurers and, therefore, higher prices.

Men generally pay about $20 per month more than women with Kemper, and around $5 with Nevada General.

Looking at overall affordability, Kemper offers the cheapest average premiums for both men and women, with average prices 3% less for men and 9% cheaper for women.

Kemper or Nevada General: 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 car insurance can be a complicated subject for most people. There are several different coverages that account for a bunch of different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause an accident.

But the most common policies that many drivers look at fall into two categories -- liability only (which provides property damage and bodily injury coverage for other drivers if you cause a collision) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to what you get with a liability policy).

If you're looking for state minimum liability limits, Kemper usually offers slightly less expensive rates of $139 compared to Nevada General's $150. When it comes to full coverage policies with similar limits, Kemper again has the edge, with policies about $15 a month cheaper than Nevada General, on average.

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

It's no big secret that drivers who are accident-free get better deals on their insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

Accidents and tickets will most likely raise your premiums, but is Kemper or Nevada General less expensive for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Kemper policyholders can expect their rates to go up an average of $45 per month if they get a ticket, while Nevada General typically raises prices around $22 a month, on average.

That being said, Kemper tends to offer the best prices for drivers both with clean records and with a speeding ticket, offering rates that are 17% and 5% more affordable, respectively, compared to Nevada General Insurance Company.

Which Company is Best for Drivers After an Accident?

Kemper drivers who get in an accident can expect to see their prices increase by just under 35%, while those who have insurance through Nevada General will see about a 20% increase.

Overall, Nevada General offers the lowest premiums for drivers with an at-fault accident on their records, with monthly prices averaging $257 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 ticket or even a collision. For example, Kemper increases average rates by over $100 per month -- that's just under a 40% increase.

Kemper has the overall most affordable premiums for drivers with a DUI on their records at $287 a month, but it's worth noting that Kemper's average rates come from 15 states compared to just one for Nevada General, so the data may be skewed slightly.

How does Credit Score Impact Kemper and Nevada General Rates?

Did you know that many auto insurance carriers take into account your credit score when calculating prices? Certain states and companies do not allow for credit score to be used as a rating factor, but it will come into play for a lot of policyholders.

Insurance carriers 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 less expensive premiums.

So, which carrier offers the cheapest rates for policyholders with good, average, or poor 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 30% compared to Nevada General, and those with "good" scores can also expect to see savings -- around $41 or 16% cheaper every month.

Which Company is Best for Drivers with Bad Credit?

If you have bad credit, it can be somewhat of a toss-up as far as which company offers you the best prices. Drivers with "fair" credit pay about $9 less with Kemper than Nevada General, but those whose credit is considered "poor" have it flipped -- saving around $74 a month with Nevada General.

Is Kemper or Nevada General 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 companies will charge for coverage. Normally, the more miles you drive, 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 Nevada General 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 annually. Still, Kemper is the more affordable option for drivers in both categories.

Kemper vs. Nevada General: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can play a substantial role in how much you pay for auto insurance. Typically, if you live in a rural area with fewer cars on the road, you'll pay a little less for insurance, while the opposite is true for people in urban areas.

Looking at these carriers side-by-side, Kemper generally comes out as the less expensive option for drivers in rural and urban areas, while Nevada General wins in suburban areas.

If you live in a rural area, you can expect to save around 13% with Kemper compared to Nevada General. Drivers in suburban ZIP codes pay about 15% less with Nevada General compared to Kemper. In urban areas, Kemper's average premiums are around 15% less than Nevada General Insurance Company.

Kemper vs. Nevada General Discounts

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

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

In the section below, we've taken a look at all of the different discounts Kemper and Nevada General offer their customers 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 Nevada General out of the park when it comes to the sheer number of discounts available, offering 24 different discounts to Nevada General's nine.

Both companies offer quite a few of the same discounts -- like discounts for getting driver training, group discounts, and discounts for being a homeowner -- but Kemper also offers AAA discounts, ABS discounts, advance quote discounts, and more that Nevada General does not.

On the flip side, Nevada General has a couple unique discounts of its own -- agency transfer discounts and online quote discounts.

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

So, we've broken down the average prices for many of the variables car insurance carriers look at, and walked through the different discounts each carrier offers, too. But, at the end of the day, which insurance company is the right one for you and your specific driver profile?

Kemper might be best for you if....

• You're thinking about moving to another state -- Nevada General Insurance Company only offers policies in NV.
• You care about discounts (Kemper offers the most).
• You are purchasing your insurance with a spouse.

Nevada General might be best for you if...

• You live in one of the following states: Nevada.
• Your driving record contains an at-fault collision.
• Your neighborhood is in the suburbs.

We hope this guide helps you get a good idea of the differences between Kemper and Nevada General. We also hope we've given you the information you need to make the best decision when it comes to your car 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 auto insurance -- comparing quotes from multiple companies, not just Kemper and Nevada General. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP codes below and get free quotes from dozens of top car insurance carriers in your area, all in just a few minutes.

Kemper vs. Nevada General FAQs

Is Kemper or Nevada General cheaper?

Looking just at the national average rates, Kemper is the more affordable of the two companies, offering average rates of $235 per month compared to $249 for Nevada General. Even so, Kemper won't necessarily be the lowest carrier for everyone, since there are a range of different factors (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Kemper or Nevada General?

Sadly, the only answer we can give you is "it depends.". No one company is "better" for everyone -- it all comes down to what your unique auto insurance profile looks like.

Why do Kemper and Nevada General offer me different rates?

Insurance carriers take a look at quite a few different variables when determining the prices they charge policyholders. Things such as age, your driving record, where you park your vehicle, gender, and sometimes even things like your credit score can all come into play. Both Kemper and Nevada General calculate premiums differently, so each one will most likely offer different rates. The only real way to see which carrier is the cheapest for you is by comparing personalized quotes from multiple different companies.

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

The only way to find the car insurance company that's right for you is by getting quotes from several carriers and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your area information and you'll get free quotes from dozens of the best insurance companies in your area. That way, you can guarantee you're getting the best rate. And who knows, the best carrier for you might not be Kemper or Nevada General 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.