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

Quick Facts

• Based on national averages for insurance, Oregon Mutual offers significantly less expensive prices than Kemper
• Kemper may help you save more money -- they offer more discounts than Oregon Mutual
• Oregon Mutual offers more affordable average rates for single people who will be the only person on the car insurance policy

Kemper or Oregon Mutual: 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 large savings. But exactly how much can you save by switching?

You might have narrowed your search down to Kemper or Oregon Mutual for your next policy, but which company will save you the most?

Looking at the national average rates for both carriers, Kemper has average rates that are around 45% a month more expensive than those from Oregon Mutual.

That being said, that doesn't necessarily mean Oregon Mutual will be the cheaper option for each driver. Insurance companies use all sorts of complex algorithms to determine prices, so depending on how old you are or how clean your driving record is (among lots of other factors), you could see wildly different premiums from the ones above.

So, if you want to find out which of Kemper or Oregon Mutual is really the best for you, keep reading to see average prices for each company broken down by many different rate factors.

Kemper vs. Oregon Mutual: Average Car Insurance Rates by State

Kemper and Oregon Mutual only compete against each other in two states, with Oregon Mutual offering more affordable rates to the average driver in all of them. Washington has the most noticable difference, where Oregon Mutual premiums are $38 cheaper than auto insurance prices at Kemper.

There are plenty of other factors that go into your insurance payment than just the state you live in. Continue reading to learn more about how other variables will affect your rates.

Which is the Best Company For Young Drivers?

You might already know that teen drivers usually pay a lot more for car insurance than any other group of drivers. It's generally because 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.

But that doesn't mean teen drivers can't still save money on their auto insurance. Just look at the table above -- where 18-year-old drivers who have Oregon Mutual for their insurance pay almost 30% less than those who use Kemper. It's worth noting that Kemper offers auto insurance in 15 different states compared to Oregon Mutual's three, which can skew the average premiums a bit, but the difference here is still considerable.

However, with both carriers, you'll see your rates drop significantly by the time you turn 25. For example, average premiums for Kemper policyholders decrease about $300 and Oregon Mutual's rates lower nearly $250 over that time.

Which is the Best Company for Retired Drivers?

When it comes to car insurance, patience and experience pay off, with drivers around retirement age paying some of the cheapest prices out there.

So, which carrier offers the best rates to retired drivers? Oregon Mutual gets the edge, with prices for drivers 65 and older almost 45% less expensive than the national average for Kemper.

Which is the Best Company for Married Drivers?

Married couples tend to get slightly cheaper auto insurance premiums than single drivers. That's typically because married drivers tend to own and insure more than one vehicle, which can often earn you a discount.

For single policyholders, the difference in average prices between these two companies is significant, with Oregon Mutual premiums coming in at around 40% less than Kemper's. The advantage is also clear for married policyholders - Oregon Mutual offers the most affordable average rates.

Kemper or Oregon Mutual: Average Rates by Gender

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

Women typically pay about $20 per month less than men with Kemper, and around $10 cheaper with Oregon Mutual when compared to their male counterparts.

Looking at the data for each company specifically, Oregon Mutual comes out as the lowest option for both genders, with average premiums 42% less for men and 43% cheaper for women.

Kemper vs. Oregon Mutual: 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 can be pretty complicated. 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 end up falling into two different types of coverage -- liability coverage (which provides bodily injury and property damage coverage for other drivers if you cause a collision) and full coverage (which usually refers to having collision and comprehensive coverages alongside what you get with a liability policy).

Looking specifically at state minimum liability limits, Oregon Mutual has the significant edge, with average monthly prices coming in at $97. If you want a full coverage policy with the same state minimum limits, Oregon Mutual again has the edge, with policies averaging about $172 a month to Kemper's $331.

Is Kemper or Oregon Mutual Better for Drivers with Spotty Records?

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

You'll probably end up paying more with speeding tickets and collisions on your record, but which of these two carriers offers the most affordable rates to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Kemper for their insurance can normally expect their monthly bill to go up around 21% after getting a speeding ticket. Oregon Mutual policyholders can expect a less drastic increase of about 9%.

Even so, Oregon Mutual tends to offer the best prices for both drivers who have a recent ticket and those with clean records, offering prices that are $63 and $97 less expensive, respectively, compared to Kemper.

Which Company is Best for Drivers After an Accident?

Both companies will raise premiums pretty significantly if you get into an at-fault collision with Kemper raising by around 33%. Oregon Mutual has a less extreme raise, but you can still expect to pay more than 15% more than you were prior to your first accident.

At the end of the day, Oregon Mutual offers the lowest rates for drivers with an at-fault collision on their records, with average premiums coming in at $133 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 accident or speeding ticket when it comes to your auto insurance bill. On average, Kemper will climb your rates about 39% after a DUI, while Oregon Mutual's average prices rise by over 35%.

Oregon Mutual has the overall cheapest premiums for drivers with a DUI on their records at $171 per month, but it's worth noting that Kemper's average rates come from 15 states compared to just three for Oregon Mutual, so the data may be skewed slightly.

How does Credit Score Impact Kemper and Oregon Mutual Rates?

Did you know many insurance carriers take into account your credit score when determining rates? This isn't true for everyone (for example, Michigan and California are two states that ban the practice entirely), but it does affect lots of drivers out there.

Auto insurance companies argue that those with good credit scores are more likely to pay their bills on time every month, which lowers the risk involved on their end, while the opposite is true for those with bad credit.

Looking at Kemper and Oregon Mutual specifically, which one has the best prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, Oregon Mutual will generally reward you the most. For drivers with "excellent" credit scores, Oregon Mutual comes in nearly 33.71 more affordable. Drivers with "good" credit scores typically save around 42% with Oregon Mutual compared to average rates from Kemper.

Which Company is Best for Drivers with Bad Credit?

Oregon Mutual typically offers lower prices than Kemper when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay about 46% per month less with Oregon Mutual compared to Kemper, and those with "poor" scores generally save an average of around 47% monthly.

Is Kemper or Oregon Mutual 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 your monthly premiums. Usually, the more milage you put on your car each year, the more you can expect to pay for coverage.

For both remote workers and those taking short commutes, Oregon Mutual offers less expensive prices than Kemper. Kemper average rates for drivers with 6,000 annual miles come in about $102 more expensive than Oregon Mutual. Those who drive 12,000 miles yearly can expect to pay around $98 more with Kemper over Oregon Mutual.

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

Where you live can have a large impact on your monthly car insurance bill. Normally, those who live in rural areas will pay less than policyholders in urban areas due to the small number of vehicles that are on the roads where they live.

Oregon Mutual boasts the most affordable average prices for drivers in all areas, regardless of if they're urban, suburban, or rural.

For drivers in urban ZIP codes, Oregon Mutual's average premiums are about 49% less than Kemper. People who live in suburban areas pay around 39% less with Oregon Mutual compared to Kemper. Those in rural areas can expect to save about 37% with Oregon Mutual compared to Kemper.

Kemper vs. Oregon Mutual Discounts

No matter why you might be in the market for a new auto 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 utilizing as many insurance discounts as possible.

But with what seems like a million different discounts out there, it can be challenging to nail down the company 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 compared all of the different discounts offered by Kemper and Oregon Mutual so that you can see which carrier can save you the most money each month.

Kemper knocks Oregon Mutual out of the park when it comes to the sheer number of discounts available, offering 24 different discounts to Oregon Mutual's 15.

A couple of those are overlapping for things like anti-theft discounts, distant student discounts, discounts for getting driver training, and military discounts. Kemper also offers discounts for AAA, ABS, continuous insurance, and more.

On the other hand, Oregon Mutual has a few proprietary discounts of their own for things like csl discounts, employee discounts, legacy discounts, and more.

Final Thoughts: Is Kemper or Oregon Mutual Best for You?

So, we've broken down the average rates for many of the factors 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 best one for you and your specific needs?

Oregon Mutual might be best for you if....

• You have a clean record.
• You're looking for the best premiums on liability only coverage.
• Your neighborhood is in a rural area.

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 helps you get a better idea of the difference between Kemper and Oregon Mutual and that you can now make a more informed decision when it comes to your auto insurance.

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

Kemper vs. Oregon Mutual FAQs

Is Kemper or Oregon Mutual cheaper?

Oregon Mutual is the more affordable of the two companies when looking at national average rates, with policies averaging $135 a month with Oregon Mutual and $235 for Kemper. That being said, that doesn't mean Oregon Mutual will be the cheapest company for each policyholder, since there are a variety of different variables (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Kemper or Oregon Mutual?

Unfortunately, the only answer we can give you is "it depends.". No one carrier is necessarily "better" for everyone -- it all boils down to your unique car insurance profile.

Why do Kemper and Oregon Mutual offer me different rates?

Insurance carriers use a lot of different factors when calculating the prices they charge. Variables like age, where you park your car, your driving record, gender, and sometimes even things like your credit score can all come into play. Both Kemper and Oregon Mutual use different formulas, so it's likely they'll offer different rates. The best way to determine which company is the most affordable for you is by comparing personalized quotes from several different companies.

How do I know if Kemper or Oregon Mutual is right for me?

The only way to find the auto insurance carrier that's right for you is by getting quotes from several carriers and finding the one best suited for your individual budget. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code and you'll get quotes from dozens of your local top car insurance companies for free. That way, you can guarantee you're getting the best price. And maybe you'll find that the best company for you isn't Kemper or Oregon Mutual 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.