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

Quick Facts

• Based on national averages for car insurance, Rurual Mutual offers significantly less expensive premiums than Kemper
• Kemper has cheaper rates for drivers with a DUI charge on their record
• Rurual Mutual offers more affordable average premiums for drivers who have received a ticket within the last few years

Kemper vs. Rurual Mutual: 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 substantial discounts, but exactly how much money can you save by switching?

You've maybe even narrowed your search down to Kemper or Rurual Mutual as potential options, but between the two, which one will save you the most?

Looking at the national average rates for both companies, Kemper has average rates that are about 30% per month more expensive than those from Rurual Mutual.

Even so, that doesn't necessarily mean Rurual Mutual will be the less expensive option for every single driver. After all, insurance carriers can offer drastically different rates to each driver depending on rating factors like your age, your credit score, where you call home, or even your driving record (among other things). So, at the end of the day, prices from every carrier will differ quite a bit from person to person.

Wanting to know if Kemper or Rurual Mutual 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 or Rurual Mutual: Average Car Insurance Rates by State

Kemper and Rurual Mutual only compete against each other in Wisconsin, where Rurual Mutual offers the cheaper average prices. For Wisconsin residents, Rurual Mutual offers car insurance for $167 per month on average. Kemper's average rates come out to be over 10% more expensive, at $192 monthly.

But there's more to calculating auto insurance premiums than just where you live. Read on to find out more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- usually pay a lot for insurance compared to older drivers. It's generally because young, inexperienced 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 auto insurance. As you can see above, teens who use Rurual Mutual save more than $150 a month compared to those who use Kemper. It's worth noting that Kemper offers car insurance in 15 different states compared to Rurual Mutual's one, which can skew the average prices a bit, but the difference here is still considerable.

But both companies will reduce rates by the time drivers turn 25. Rurual Mutual offers the steepest reduction, with 25-year-olds paying less than half what 18-year-old drivers are charged. Kemper's average premiums drop over 55% during that same period.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll typically enjoy the cheapest auto 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 insurance.

But who has the best rates for retired drivers between Kemper and Rurual Mutual? Rurual Mutual gets the edge, with prices for drivers 65 and older nearly 25% more affordable than the national average for Kemper.

Which is the Best Company for Married Drivers?

Single policyholders tend to get offered slightly more expensive car insurance rates than married policyholders. This usually boils down to married couples having more than one car on their policy -- something a lot of insurance carriers will reward with discounts.

When it comes to relationship status, Rurual Mutual is the clear winner for single drivers, with premiums around $83 per month cheaper than Kemper, on average. The advantage for married drivers with Rurual Mutual is also obvious, where drivers save more than 25% a month.

Kemper vs. Rurual Mutual: Average Rates by Gender

Men are statistically more likely than women to cause a collision and get into accidents, which means they'll normally end up paying more for car insurance than women.

On average, women see rates almost $20 per month more affordable with Kemper, while with Rurual Mutual, the difference is closer to $11 a month.

Looking at the data for each carrier specifically, Rurual Mutual comes out on top for both men and women, with average prices $71 less for men and $63 cheaper for women.

Kemper or Rurual 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, auto insurance can be pretty complicated. Everyone needs insurance, but there are so many different limits and coverages that it can be hard to find the right policy.

That being said, the most common policies that many drivers look at fall into two categories -- liability only (that covers bodily injury and property damage for other drivers if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to what you get with liability coverage).

If you're looking for state minimum limits for liability insurance, Rurual Mutual generally offers significantly less expensive premiums of $67 compared to Kemper's $139. When it comes to full coverage policies with similar limits, Rurual Mutual again has the edge, with policies about $65 per month cheaper than Kemper, on average.

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

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

Tickets and accidents will most likely raise your prices, but is Kemper or Rurual Mutual less expensive for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Kemper policyholders can expect their premiums to go up an average of $45 a month if they get a ticket, while Rurual Mutual usually raises rates around $10 per month, on average.

However, Rurual Mutual has cheaper prices for drivers in both categories -- their rates are around 33% more affordable for drivers with clean records and 42% less expensive for those with a ticket.

Which Company is Best for Drivers After an Accident?

Kemper drivers who get in a collision can expect to see their rates climb by just under 35%, while those who have insurance through Rurual Mutual will see about a 15% increase.

Overall, Rurual Mutual offers the most affordable premiums for drivers with an at-fault accident on their records, with monthly rates averaging $136 compared to Kemper's $259.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly auto insurance bill -- typically a lot more than an accident or speeding ticket. On average, Rurual Mutual will raise your prices around 59% after a DUI, while Kemper's average premiums increase by just under 40%.

Kemper has the overall lowest prices 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 Rurual Mutual, so the data may be skewed slightly.

How does Credit Score Impact Kemper and Rurual Mutual Rates?

In many cases, your credit score can come into play when companies calculate your monthly bill. This isn't always the case (for example, Hawaii and California are two states that ban the practice entirely), but it will come into play for many policyholders.

The reasoning insurance carriers use is that drivers with bad credit will be less likely to pay their bills on time; so normally, they'll be asked to pay more, while those with good credit will be rewarded with cheaper premiums.

So, which company offers the most affordable rates for policyholders with poor, average, or good 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 Rurual Mutual. Drivers with "excellent" credit can save nearly 30% compared to Kemper, and those with "good" scores can also expect to see savings -- about $68 or 33% more affordable each month.

Which Company is Best for Drivers with Bad Credit?

Rurual Mutual typically offers lower prices than Kemper when it comes to drivers with a below average credit score. Drivers with "fair" credit pay around $62 a month less with Rurual Mutual compared to Kemper, and those with "poor" scores generally save an average of about $96 monthly.

Is Kemper or Rurual 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 sizable impact on your monthly rates? That's because the fewer miles you put on your vehicle, the less likely you are to get into a collision 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 Rurual Mutual charges. However, there's a small difference in monthly premiums for Kemper, with policyholders who drive the least paying around $1 less every month compared to those who drive 12,000 miles yearly. Still, Rurual Mutual is the less expensive option for drivers in both categories.

Kemper vs. Rurual 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 auto insurance, but the type of area you live in can have a big impact as well. Typically, those who live in rural areas will pay less than policyholders in urban areas because there are a lot fewer cars on the roads in those areas.

When comparing these two companies side-by-side, Rurual Mutual usually comes out as the cheapest option for drivers in all areas, regardless of if they're urban, suburban, or rural.

If you live in a rural area, you can expect to pay about $158 a month with Rurual Mutual compared to Kemper's $182. People in suburban areas pay around $132 with Rurual Mutual compared to Kemper's $226 per month. For drivers in urban ZIP codes, Rurual Mutual's average premiums are about $211 per month compared to Kemper's $296.

Kemper vs. Rurual Mutual Discounts

Regardless of 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 possible, and the best way to do that is by utilizing as many 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 broken down all of the different discounts offered by both Kemper and Rurual Mutual so that you can see which carrier offers the most discounts and see which ones you might be able to take advantage of.

Kemper blows Rurual Mutual away when it comes to the sheer amount of discounts available, offering 24 different discounts to Rurual Mutual's six.

A couple of those are overlapping for things like distant student discounts, group discounts, and paid in full discounts. Kemper also offers AAA discounts, ABS discounts, advance quote discounts, and more that Rurual Mutual does not.

On the flip side, Rurual Mutual has a unique discount of its own -- a claim free discounts.

Final Thoughts: Is Kemper or Rurual 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 company offers, too. But, at the end of the day, which carrier is the right company for you and your specific driver profile?

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

• You've received a ticket for speeding recently and don't want to see your premiums rise.
• You want basic auto insurance coverage at the state minimum limits.
• Your neighborhood is in a rural area.

Kemper might be best for you if...

• You already have plans to move to another state -- Rurual Mutual Insurance only offers policies to Wisconsin residents.
• You have a DUI charge on your record.
• You care about discounts (Kemper offers the most).

We hope this guide has ben a valuable resource as you compare Kemper and Rurual Mutual and that you can now make a more informed decision when it comes to your car 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 a handful of companies, not just Kemper and Rurual Mutual. 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 auto insurance carriers in your area, all in just a few minutes.

Kemper vs. Rurual Mutual FAQs

Is Kemper or Rurual Mutual cheaper?

Looking just at the national average prices, Rurual Mutual is the more affordable of the two companies, offering average rates of $167 a month compared to $235 for Kemper. But Rurual Mutual won't necessarily be the most affordable company for everyone, since there are multiple different variables (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Kemper or Rurual Mutual?

Unfortunately, the answer truly is "it depends.". No one carrier is "better" for each driver -- it all boils down to your unique insurance profile. For example, Kemper offers cheaper rates for drivers with a recent DUI, while Rurual Mutual is less expensive for drivers with excellent credit.

Why do Kemper and Rurual Mutual offer me different rates?

Auto insurance carriers take a look at lots of different factors when calculating the prices they charge drivers. Things like gender, where you park your vehicle, age, your driving record, and sometimes even things like your credit score can all be used. Both Kemper and Rurual Mutual calculate rates using different formulas, so each one will most likely offer different premiums. The only real way to see which company is the cheapest for you is by comparing personalized quotes from a bunch of different companies.

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

The only way to find the car 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, 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 price. And who knows, the best company for you might not be Kemper or Rurual 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.