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

Quick Facts

• Based on national averages for car insurance, Secura offers significantly more affordable prices than Kemper
• Kemper offers more discounts than SECURA Insurance
• Secura offers more affordable premiums for drivers with a DUI charge on their record

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

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

You might have narrowed your search down to Kemper or Secura 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 40% per month more expensive than those from Secura.

That being said, Secura may not be the lowest or best option for every single driver out there. Auto insurance carriers vary their rates depending on things like how good your credit score is, how clean your driving record is, how old you are, where you live, and all sorts of other factors. So, at the end of the day, premiums from each carrier will differ quite a bit from person to person.

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

Kemper or Secura: Average Car Insurance Rates by State

Kemper and Secura only compete against each other in one states, with Secura offering less expensive premiums to the average driver in all of them. Wisconsin has the most noticable difference, where Secura rates are over 70% cheaper than car insurance prices at Kemper.

But there's more to auto insurance than just where you live. As we mentioned above, there's a lot of things that go into how insurance companies calculate your premiums. Continue reading to learn more about how other factors will affect your rates.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive car insurance prices of any group on the road. That's generally 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 rates, teen drivers can still find ways to save money. As you can see above, teens who use Secura save nearly $200 a month compared to those who use Kemper. It's worth noting that Kemper offers auto insurance in 15 different states compared to Secura's three, which can skew the average prices a bit, but the difference here is still considerable.

But both carriers will offer you dramatically lower rates by the time drivers turn 25. For example, average premiums for Kemper policyholders reduce almost $300 and Secura's prices decrease around $200 over that time.

Which is the Best Company for Retired Drivers?

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

When looking at Kemper and Secura specifically, which carrier is best for retired drivers? Secura gets the edge, with prices for drivers 65 and older nearly 40% more affordable than the national average for Kemper.

Which is the Best Company for Married Drivers?

You may not be aware, but insurance rates tend to be more expensive for single policyholders than they are for married couples. That's because policies for married policyholders typically cover several cars, which a lot of companies will offer you a discount for.

When it comes to relationship status, Secura is the clear winner for single drivers, with premiums about $103 per month less expensive than Kemper, on average. The advantage for married drivers with Secura is also obvious, where drivers save around $70 a month.

Kemper vs. Secura: Average Rates by Gender

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

With Kemper, women typically pay almost 10% per month less than men, while with Secura, the difference is closer to 2% a month.

When it comes to the cheapest rates for each gender, Secura comes out on top for both men and women. On average, women save about $81 per month and men save about $97 with Secura compared to the average Kemper policyholder.

Kemper or Secura: 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. There are lots of different coverages that account for multiple 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.

The two most common policies end up falling into two different types of coverage -- liability only (that covers bodily injury and property damage for other drivers and their passengers if you cause a collision) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to what you get with liability).

If you're looking for state minimum liability limits, Secura generally offers significantly cheaper premiums of $69 compared to Kemper's $139. When it comes to full coverage policies with similar limits, Secura again has the edge, with policies around $100 a month less expensive than Kemper, on average.

Is Kemper or Secura 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.

It's no secret secret that tickets and accidents lead to higher prices, but which company -- Kemper or Secura -- has the most affordable rates 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 per month if they get a ticket, while Secura usually raises prices about $35 a month, on average.

Even so, Secura is normally the more affordable option for drivers both with clean records and with a speeding ticket -- their rates are around 50% cheaper for drivers with clean records and 44% more affordable for those with a ticket.

Which Company is Best for Drivers After an Accident?

Kemper drivers who get in an accident can expect to see their rates increase by just under 35%, while those who have insurance through Secura will see around a 35% increase.

Overall, Secura offers the cheapest prices for drivers with an at-fault accident on their records, with monthly premiums averaging $129 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 insurance bill -- typically a lot more than a collision or ticket. Secura drivers usually see a 64% increase in their auto insurance rates after a DUI charge, while Kemper will usually raise premiums by about 39%.

Secura has the overall lowest prices for drivers with a DUI on their records at $244 per month, but it's worth noting that Kemper's average rates come from 15 states compared to just three for Secura, so the data may be skewed slightly.

How does Credit Score Impact Kemper and Secura Rates?

You may not have known, but your credit score can be used as one of the variables to determine your monthly car insurance premiums. Certain states and carriers do not allow for credit score to be used as a rating factor, but it might come into play for quite a few policyholders.

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

Looking at Kemper and Secura specifically, which company has the most affordable rates for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, you'll usually find a better deal with Secura. Policyholders with "excellent" credit can save over 30% compared to Kemper, and those with "good" scores can also expect to see savings -- around $75 or 36% less expensive each month.

Which Company is Best for Drivers with Bad Credit?

Secura typically offers lower prices than Kemper when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay about $92 per month less with Secura compared to Kemper, and those with "poor" scores normally save an average of around $144 a month.

Is Kemper or Secura Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a sizable impact on your monthly auto insurance cost. Generally, those who drive fewer miles will end up with more affordable premiums since there's less of a chance of getting into an accident and causing an insurance claim.

For both drivers who put 6,000 miles on their vehicles annually, as well as those who average twice that figure, Secura offers cheaper prices than Kemper. Kemper average rates for drivers with 6,000 annual miles come in about $91 more expensive than Secura. Those who drive 12,000 miles yearly can expect to pay around $87 more with Kemper over Secura.

Kemper vs. Secura: 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 insurance, but the type of area you live in can have a large impact as well. Usually, if you live in a rural area with fewer cars on the road, you'll pay a little less for car insurance, while the opposite is true for people in urban areas.

When comparing these two carriers side-by-side, Secura normally comes out as the lowest 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 save about 24% with Secura compared to Kemper. Drivers in suburban ZIP codes pay around 39% less with Secura compared to Kemper. In urban areas, SECURA Insurance's average premiums are about 46% less than Kemper.

Kemper vs. Secura Discounts

Regardless of why you might be in the market for a new insurance policy, you're always going to want to save as much money as possible, and the best way to do that is by taking advantage of as many car insurance discounts as you can.

The hard part is finding all of the discounts you're eligible for, since it can feel sometimes like every company has different discounts and each one is advertised differently.

Below, we've compared all of the different discounts offered by Kemper and Secura so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

Looking at the total number of discounts, Kemper comes out ahead with 24 discounts to Secura's 19.

A couple of those are overlapping for things like anti-theft discounts, distant student discounts, discounts for being a good driver, and discounts for insuring multiple cars with the same company. Kemper also offers AAA discounts, ABS discounts, continuous insurance discounts, and more that Secura does not.

On the flip side, Secura has a couple unique discounts of its own -- hybrid vehicle discounts, low income discounts, pip discounts, and more.

Final Thoughts: Is Kemper or Secura Best for You?

So, you've seen how different factors can affect your auto insurance prices. We've shown you all the discounts each carrier offers, too. That's all well and good, but when it comes down to it, which insurance company is the right one for you and your specific needs?

Secura might be best for you if....

• You want to save money on your insurance after a collision.
• You want basic car insurance coverage at the state minimum limits.
• You're buying auto insurance for a teen and looking for a wallet-friendly option.

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).

We hope this guide has ben a valuable resource as you compare Kemper and Secura. We also hope we've given you the information you need to make the best decision about your car insurance.

At the end of the day, the best way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from multiple companies, not just Kemper and Secura. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get multiple quotes from some of the best car insurance carriers in your area, all for free.

Kemper vs. Secura FAQs

Is Kemper or Secura cheaper?

Looking just at the national average rates, Secura is the less expensive of the two companies, offering average rates of $146 a month compared to $235 for Kemper. However, Secura won't necessarily be the most affordable company for every driver, since there are a variety of different variables (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Kemper or Secura?

Sadly, the real answer is "it depends.". One carrier is not necessarily "better" for each driver -- it all boils down to your unique auto insurance profile.

Why do Kemper and Secura offer me different rates?

Insurance carriers take a look at several different factors when calculating the premiums they charge drivers. Variables like your driving record, gender, age, where you park your vehicle, and sometimes even things like your credit score can all come into play. Both Kemper and Secura calculate prices using different factors, so each one will most likely offer different rates. The only real way to see which company is the cheapest for you is by comparing personalized quotes from several different companies.

How do I know if Kemper or Secura 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, sites like Compare.com do all the hard work for you. Just enter your area information and you'll get free quotes from dozens of the best auto 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 Secura 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.