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

Quick Facts

• Based on national averages for auto insurance, Rockford Mutual offers significantly less expensive rates than Kemper
• Kemper offers more discounts than Rockford Mutual Insurance Company
• Rockford Mutual tends to be a much more affordable option for policyholders who drive a short distance to work everyday

Kemper vs. Rockford Mutual: Which Company has the Cheapest Car Insurance?

So, you're considering switching your auto insurance. With so many ads from all sorts of companies offering huge discounts, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed your search down to Kemper or Rockford Mutual as your top options, but between the two, which company will offer you cheaper premiums?

Looking at the national average rates for both companies, Rockford Mutual is quite a bit cheaper than Kemper, with rates averaging $169 per month compared to $235 with Kemper.

That being said, Rockford Mutual may not be the most affordable or best option for every single driver out there. After all, car insurance carriers can offer drastically different rates to each driver depending on rating factors like your age, your driving record, your credit score, or even where you call home (among other things), so prices will differ quite a bit from person to person.

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

Kemper or Rockford Mutual: Average Car Insurance Rates by State

Kemper and Rockford Mutual only compete against each other in one states, with Rockford Mutual offering less expensive prices to the average driver in all of them. Wisconsin has the most noticable difference, where Rockford Mutual rates are over 20% more affordable than insurance prices at Kemper.

There's a lot more that goes into your car insurance payment than just where you live. Continue reading to see how other factors will affect your rates.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- typically pay a lot for auto insurance compared to older drivers. Generally, that's because young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

Even so, that doesn't mean that teen drivers have to just accept sky-high insurance premiums. As you can see above, teens who use Rockford Mutual save nearly $70 a month compared to those who use Kemper. It's worth noting that Kemper offers car insurance in 15 different states compared to Rockford Mutual's two, which can skew the average rates a bit, but the difference here is still considerable.

However, both companies will decrease prices once you turn 25. Rockford Mutual offers the steepest decrease, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. Kemper's average premiums drop more than 55% during that same period.

Which is the Best Company for Retired Drivers?

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

When looking at Kemper and Rockford Mutual specifically, which company is best for retired drivers? Rockford Mutual gets the edge, with rates for drivers 65 and older almost 35% cheaper than the national average for Kemper.

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 because policies for married policyholders normally cover several cars, which quite a few carriers will offer you a discount for.

When it comes to relationship status, Rockford Mutual is the clear winner for single policyholders, with prices about $67 per month less expensive than Kemper, on average. The advantage for married drivers with Rockford Mutual is also obvious, where drivers save nearly 35% a month.

Kemper vs. Rockford Mutual: Average Rates by Gender

Men are statistically more likely than women to cause a collision and get into accidents. That means when it comes to auto insurance men will usually end up paying a little more.

Women typically pay almost $20 per month less than men with Kemper, and over $15 with Rockford Mutual.

Looking at the data for each carrier specifically, Rockford Mutual comes out as the cheapest option for both genders. On average, women save about $64 a month and men save around $67 with Rockford Mutual compared to the average Kemper policyholder.

Kemper or Rockford 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.

Car insurance isn't the easiest topic to understand. Everyone needs insurance, but there are so many different limits and terms that it can be hard to find the right policy.

The two most common policies that many drivers look at fall into two categories -- liability only (which provides bodily injury and property damage coverage for other drivers and their passengers if you cause an accident) and full coverage (which generally refers to having comprehensive and collision coverages alongside liability).

If you're looking for state minimum limits for liability insurance, Rockford Mutual normally offers significantly cheaper rates of $88 compared to Kemper's $139. When it comes to full coverage policies with similar limits, Rockford Mutual again has the edge, with policies about $80 per month more affordable than Kemper, on average.

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

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

You'll probably end up paying more with tickets and accidents on your record, but which of these two companies offers the lowest premiums to drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Kemper policyholders can expect their prices to go up an average of $45 a month if they get a ticket, while Rockford Mutual generally raises rates around $50 per month, on average.

But Rockford Mutual has less expensive premiums for drivers in both categories, offering rates that are $54 and $49 cheaper, respectively, compared to Kemper.

Which Company is Best for Drivers After an Accident?

Kemper drivers who get in a collision can expect to see their prices rise by just under 35%, while those who have insurance through Rockford Mutual will see about a 25% increase.

Overall, the more affordable premiums come from Rockford Mutual, with monthly prices averaging $158 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 insurance bill. Kemper drivers usually see a 39% climb in their auto insurance premiums after a DUI charge, while Rockford Mutual will typically raise rates by around 48%.

Rockford Mutual has the overall cheapest premiums for drivers with a DUI on their records at $229 a month, but it's worth noting that Kemper's average rates come from 15 states compared to just two for Rockford Mutual, so the data may be skewed slightly.

How does Credit Score Impact Kemper and Rockford Mutual Rates?

You may not realized it, but your credit score can be used as one of the variables to calculate your monthly car insurance rates. This isn't always the case (Hawaii, for example, has banned the use of credit score as a rating factor) but it will come into play for many policyholders.

The reasoning auto insurance carriers use is that drivers with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper prices, while those with poor credit will normally be forced to pay more.

So, which company offers the most affordable premiums 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 Rockford Mutual. Drivers with "excellent" credit can save just under 25% compared to Kemper, and those with "good" scores can also expect to see savings -- about $67 or 32% less expensive every month.

Which Company is Best for Drivers with Bad Credit?

Rockford Mutual typically offers lower prices than Kemper when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay around $68 a month less with Rockford Mutual compared to Kemper, and those with "poor" scores usually save an average of about $94 per month.

Is Kemper or Rockford Mutual 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 considerable impact on your monthly rates? That's because the fewer miles you put on your vehicle, the less likely you are to get into an accident and cause an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Rockford Mutual charges. However, there's a small difference in monthly prices for Kemper, with policyholders who drive the least paying around $1 less each month compared to those who drive 12,000 miles yearly. Still, Rockford Mutual is the cheaper option for drivers in both categories.

Kemper vs. Rockford Mutual: 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 car insurance, but the type of area you live in can have a big impact as well. Typically, policyholders who live in less densely populated rural areas will pay quite a bit less than urban drivers due to the small number of cars that are on the roads in those areas.

Rockford Mutual tends to offer the most affordable rates for drivers in all types of areas, no matter if they're urban, suburban, or rural.

If you live in a rural area, you can expect to save about 21% with Rockford Mutual compared to Kemper. Drivers in suburban ZIP codes pay around 42% less with Rockford Mutual compared to Kemper. In urban areas, Rockford Mutual Insurance Company's average prices are about 21% less than Kemper.

Kemper vs. Rockford Mutual Discounts

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

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 can take advantage of.

In the section below, we've compared all of the different discounts offered by Kemper and Rockford Mutual 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 Rockford Mutual out of the park when it comes to the sheer number of discounts available, offering 24 different discounts to Rockford Mutual's eight.

A couple of those are overlapping for things like discounts for being a good driver, discounts for being a good student, and multi-policy discounts. Kemper also offers AAA discounts, ABS discounts, advance quote discounts, and more that Rockford Mutual does not.

Rockford Mutual's discounts come through just a few categories, including Anti-Theft, Defensive Driver, Good Driving, and more.

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

So, we've broken down the average premiums for many of the factors auto insurance companies look at, and we've shown you all the discounts each carrier offers. That's all well and good, but at the end of the day, which company is the right one for you and your specific needs?

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

• You have a DUI charge on your record.
• Your home is located in the suburbs.
• You're buying insurance for a teen and looking for a wallet-friendly option.

Kemper might be best for you if...

• You're planning on moving to another state soon -- Rockford Mutual Insurance Company only offers policies to Illinois and Wisconsin residents.
• You want to save extra money with discounts.

We hope this guide has ben a valuable resource as you compare Kemper and Rockford Mutual and that it aids in making a more informed decision about 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 insurance -- comparing quotes from a handful of carriers, not just Kemper and Rockford Mutual. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP codes below and get multiple free quotes from some of the best auto insurance companies in your area, all in just a few minutes.

Kemper vs. Rockford Mutual FAQs

Is Kemper or Rockford Mutual cheaper?

Looking just at the national average rates, Rockford Mutual is the more affordable of the two carriers, offering average rates of $169 per month compared to $235 for Kemper. That being said, Rockford Mutual won't necessarily be the cheapest carrier for every policyholder, since there are multiple different variables that are considered when it comes to your car insurance cost.

Who is better, Kemper or Rockford Mutual?

Unfortunately, the answer truly is "it depends.". No one company is necessarily "better" for everyone -- it all depends on what your unique insurance profile looks like.

Why do Kemper and Rockford Mutual offer me different rates?

Auto insurance companies take a look at a lot of different factors when calculating the prices they charge policyholders. Variables such as age, gender, where you park your vehicle, your driving record, and sometimes even things like your credit score can all be taken into consideration. Both Kemper and Rockford Mutual calculate rates differently, so each one will most likely offer different premiums. The only real way to see which carrier is the most affordable for you is by comparing personalized quotes from a bunch of different carriers.

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

The only way to find the car insurance company that's right for you is by getting quotes from multiple 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 area information and you'll get free quotes from dozens of the best insurance carriers in your area. With those, you can guarantee you're getting the best price. And who knows, the best carrier for you might not be Kemper or Rockford Mutual 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.