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

Quick Facts

• Based on national averages for insurance, Kemper offers significantly more affordable rates than Pure
• Kemper offers less expensive average prices for policyholders who live in urban areas
• Pure has cheaper premiums in CA

Kemper or Pure: 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've maybe even narrowed it down to Kemper or Pure as your top options, but between the two, which carrier has more affordable prices for auto insurance?

Looking at nationwide averages, Kemper has average rates that are around 30% a month cheaper than those from Pure.

That being said, that doesn't necessarily mean Kemper will be the less expensive option for each driver. Car insurance carriers use all sorts of complex algorithms to determine rates, so depending on how clean your driving record is or where you live (among quite a few other factors), you could see wildly different premiums from the ones above.

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

Kemper vs. Pure: Average Car Insurance Rates by State

Kemper and Pure only compete against each other in California, where Kemper offers the cheaper average rates. Kemper drivers tend to pay about $191 per month less on average compared to drivers who use Pure for their insurance.

But there's more to calculating auto insurance premiums than just your home state. Keep reading to learn more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers generally pay a lot more for insurance than any group on the road. That's because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

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 30% less a month by choosing Kemper over Pure. It's worth noting that Kemper offers auto insurance in 15 different states compared to Pure's one, which can skew the average prices a bit, but the difference here is still considerable.

Even so, with both companies, you'll see your rates drop significantly by the time you turn 25. For example, average premiums for Kemper policyholders reduce over 55% and Pure's prices lower more than 55% over that time.

Which is the Best Company for Retired Drivers?

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

When looking at Kemper and Pure specifically, which company is best for retired drivers? Kemper gets the edge, with rates for drivers 65 and older nearly 25% more affordable than the national average for Pure.

Which is the Best Company for Married Drivers?

Those who are single tend to get offered slightly more expensive car insurance premiums than married couples. That's usually because married policyholders tend to own and insure several vehicles, which can often earn you a discount.

For single drivers, the difference in average prices between these two carriers is significant, with Kemper premiums coming in at a third less than Pure's. For married drivers, the advantage is clear again - Kemper has the edge when it comes to average rates.

Kemper or Pure: Average Rates by Gender

Men typically pay more for auto insurance than women. That's because women are less likely to get into collisions and get speeding tickets, which decreases the chances of filing a claim with insurance.

Generally, men see premiums about $20 per month higher with Kemper; and with Pure, both genders end up paying the same monthly premium.

Looking at the data for each carrier specifically, Kemper offers the cheapest average prices for both men and women. On average, women save about $106 a month and men save around $87 with Kemper compared to the average Pure policyholder.

Kemper vs. Pure: 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 coverages and terms 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 provides bodily injury and property damage coverage for other drivers and passengers if you cause a collision) and full coverage (which generally refers to having collision and comprehensive coverages in addition to what you get with a liability policy).

When it comes to state minimum liability insurance, Pure has the edge, while Kemper offers the lowest average rates for full coverage policies with similar coverage limits. Policyholders looking for basic state minimum coverage can save around $5 with PURE Insurance, while full coverage comes out to be about $200 cheaper with Kemper.

Is Kemper or Pure Better for Drivers with Spotty Records?

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

Speeding tickets and at-fault accidents will most likely raise your rates, but is Kemper or Pure less expensive for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Drivers who use Kemper for their auto insurance can usually expect their monthly bill to go up around 21% after getting a speeding ticket. Pure policyholders can expect a bit more drastic of an increase of about 28%.

But Kemper tends to offer the best prices for drivers both with clean records and with a ticket, offering prices that are $28 and $63 more affordable, respectively, compared to PURE Insurance.

Which Company is Best for Drivers After an Accident?

Kemper policyholders who get in an accident can expect to see their premiums climb by just under 35%, while those who have insurance through Pure will see around a 45% increase.

At the end of the day, Kemper offers the cheapest prices for drivers with an at-fault collision on their records, with average rates coming in at $259 compared to PURE Insurance's $352.

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 insurance bill. For example, Pure increases average premiums by nearly $300 per month -- that's nearly a 60% increase.

Kemper has the overall most affordable rates 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 Pure, so the data may be skewed slightly.

How does Credit Score Impact Kemper and Pure Rates?

Did you know many car insurance carriers take into account your credit score when determining prices? This isn't true for everyone (for example, Massachusetts and Hawaii are two states that ban the practice entirely), but it will come into play for many drivers.

Insurance companies 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, policyholders with good credit will often be rewarded with cheaper premiums.

So, which company offers the best rates for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

You'll often be rewarded if you have great credit. Improving your "good" credit score to an "excellent" one will normally save Kemper customers about 15%. Pure, on the other hand, doesn't have data available for credit scores, which means they most likely don't use credit to calculate your prices.

Which Company is Best for Drivers with Bad Credit?

Having bad credit generally means you'll also see higher premiums with Kemper. As you can see, Kemper customers with poor credit scores pay around $85 a month more than those with fair scores (and even more compared to drivers with good or excellent scores). Pure, on the other hand, doesn't have data available for credit scores, which means drivers with bad credit might find better rates with Pure over Kemper.

Is Kemper or Pure 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 pretty big impact on how much car insurance carriers will charge for coverage? That's because the fewer miles you put on your car, the less likely you are to be in a collision and file an insurance claim.

For both remote workers and those taking short commutes, Kemper tends to be the less expensive option. Pure average rates for drivers with 6,000 annual miles come in about $41 more expensive than Kemper. Those who drive 12,000 miles every year can expect to pay around $152 more with Pure over Kemper.

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

We've already mentioned how your home state can play a role in how much you pay for auto insurance, but the type of area you live in can have a considerable impact as well. Usually, if you live in an urban area with more cars on the road, you'll pay a little more for insurance, while the opposite is true for people in rural areas.

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

Those in rural areas can expect to pay about $182 monthly with Kemper and $308 with Pure. Drivers in suburban ZIP codes pay around $226 with Kemper compared to Pure's $313 per month. In urban areas, Kemper's average prices are about $296 while Pure offers rates around $371.

Kemper vs. Pure 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 auto 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 qualify for.

Luckily, we did the hard work for you and compared all of the different discounts offered by Kemper and Pure so that you can see which one offers the most discounts and see which ones you might be able to take advantage of.

Kemper blows Pure away when it comes to the sheer amount of discounts available, offering 14 more discounts than Pure.

Both companies offer many of the same discounts -- like ABS discounts, distant student discounts, discounts for being a good student, and multi-policy discounts -- but Kemper also offers discounts for AAA, advance quote, continuous insurance, and more.

On the other hand, Pure has a proprietary discount of their own -- a occasional operator discounts.

Final Thoughts: Is Kemper or Pure Best for You?

So, you've seen how different variables can affect your car insurance premiums. We've broken down the different discounts each company offers, too. But, when it comes down to it, is Kemper or Pure the best company for you, your vehicle, and your wallet?

Kemper might be best for you if....

• You've been pulled over for speeding recently.
• You have less-than-stellar credit.
• You drive fewer than 6,000 miles annually.

Pure might be best for you if...

• You live in one of the following states: California.
• You're looking for the best prices on liability only coverage.

Hopefully, this guide helps you get a good idea of the differences between Kemper and Pure. 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 sure-fire way to make sure you're getting the best deal on your insurance policy is to compare quotes from multiple carriers, not just Kemper and Pure. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP codes below and get free quotes from dozens of top car insurance companies in your area, all in just a few minutes.

Kemper vs. Pure FAQs

Is Kemper or Pure cheaper?

Kemper is the more affordable of the two carriers when looking at national average rates, with policies averaging $235 per month with Kemper and $331 for Pure. That being said, that doesn't mean Kemper will be the most affordable carrier for each driver, since there are lots of different factors (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Kemper or Pure?

Unfortunately, the answer truly is "it depends.". One company is not necessarily "better" for everyone -- it all boils down to your unique auto insurance profile.

Why do Kemper and Pure offer me different rates?

Car insurance companies use quite a few different variables when calculating the premiums they charge. Things such as where you park your vehicle, gender, where your home is, age, and sometimes even things like your credit score can all be taken into consideration. Both Kemper and Pure calculate prices differently, so it's likely they'll offer different rates. The best way to determine which carrier is the lowest for you is by comparing personalized quotes from several different carriers.

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

The only way to find the insurance company that's right for you is by getting quotes from a handful of companies 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 auto insurance carriers for free. With those, you can guarantee you're getting the cheapest rate. And maybe you'll find that the best carrier for you isn't Kemper or Pure 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.