Kemper vs. United Financial Casualty Company: Which Company is the Best Fit for You?

Quick Facts

• In general, United Financial Casualty Company offers significantly more affordable rates than Kemper
• Kemper may help you save more money -- they offer more discounts than United Financial Casualty Company
• United Financial Casualty Company offers more affordable premiums for policyholders who are looking to purchase insurance with a spouse

Kemper or United Financial Casualty Company: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? With so many ads from all sorts of companies offering considerable savings, you're probably wondering exactly how much you might be able to save.

You might have narrowed your search down to Kemper or United Financial Casualty Company as your top options, but between the two, which one has less expensive prices for insurance?

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

But that doesn't mean United Financial Casualty Company will necessarily be cheaper than Kemper for every driver. After all, auto insurance companies can offer drastically different rates to every driver depending on rating factors like where you call home, your driving record, your credit score, or even your age (among other things), so rates will differ quite a bit from person to person.

So, if you want to find out which of Kemper or United Financial Casualty Company is really the best for you, keep reading to see average premiums for each company broken down by multiple different rate factors.

Kemper vs. United Financial Casualty Company: Average Car Insurance Rates by State

Kemper and United Financial Casualty Company only compete against each other in one states, with United Financial Casualty Company offering less expensive rates to the average driver in all of them. California has the most noticable difference, where United Financial Casualty Company premiums are $14 more affordable than insurance prices at Kemper.

That being said, there are plenty of other factors that go into your auto insurance bill than just your home state. Read on to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- typically pay a lot for car insurance compared to older drivers. It's normally because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But still, even with seemingly sky-high rates, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have United Financial Casualty Company for their insurance pay over 35% less than those who use Kemper. It's worth noting that Kemper offers auto insurance in 15 different states compared to United Financial Casualty Company's two, which can skew the average premiums a bit, but the difference here is still considerable.

Even so, both carriers will offer you dramatically lower prices once you turn 25. United Financial Casualty Company offers the steepest drop, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. Kemper's average rates drop more than 55% during that same period.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll generally enjoy the cheapest car insurance premiums 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.

But who has the best rates for retired drivers between Kemper and United Financial Casualty Company? United Financial Casualty Company gets the edge, with prices for drivers 65 and older over 45% cheaper than the national average for Kemper.

Which is the Best Company for Married Drivers?

Did you know that car insurance premiums are usually more expensive for single policyholders than they are for married policyholders? This usually boils down to married couples having more than one vehicle on their policy -- something a lot of auto insurance companies will reward with discounts.

For single drivers, the difference in average rates between these two carriers is significant, with United Financial Casualty Company prices coming in at about 40% less than Kemper's. For married drivers, the advantage is clear again - United Financial Casualty Company has the edge when it comes to average premiums.

Kemper or United Financial Casualty Company: Average Rates by Gender

Men are statistically more likely than women to get into accidents and get tickets, which means they'll typically end up paying more for insurance than women.

On average, women see rates almost 10% per month less with Kemper, but with United Financial Casualty Company, the difference is closer to 1% a month.

When it comes to the lowest prices for each gender, United Financial Casualty Company comes out as the most affordable option for both genders, with average premiums 45% less for men and 41% cheaper for women.

Kemper vs. United Financial Casualty Company: 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 auto insurance, but there are so many different limits and terms that it can be hard to find the right policy for you.

However, most policies that drivers look at fall into two categories -- liability coverage (which covers the other party's property damage and injuries if you cause a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to what you get with liability).

Looking specifically at state minimum limits for liability insurance, United Financial Casualty Company has the significant edge, with average monthly prices coming in at $79. If you want a full coverage policy with the same state minimum limits, United Financial Casualty Company again has the edge, with policies averaging around $187 per month to Kemper's $331.

Is Kemper or United Financial Casualty Company 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 companies offers the cheapest premiums to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Kemper for their auto insurance can normally expect their monthly bill to go up about 21% after getting a speeding ticket. United Financial Casualty Company policyholders can expect a bit more drastic of an increase of around 25%.

That being said, United Financial Casualty Company has less expensive rates for drivers in both categories, offering prices that are 41% and 37% more affordable, respectively, compared to Kemper.

Which Company is Best for Drivers After an Accident?

Both carriers will raise premiums pretty significantly if you get into an at-fault collision with Kemper increasing by about 33%. United Financial Casualty Company has a less extreme increase, but you can still expect to pay nearly 35% more than you were prior to your first accident.

At the end of the day, United Financial Casualty Company offers the lowest rates for drivers with an at-fault collision on their records, with average prices coming in at $158 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 -- generally a lot more than an accident or ticket. Kemper drivers usually see a 39% raise in their car insurance rates after a DUI charge, while United Financial Casualty Company will usually climb premiums by around 23%.

United Financial Casualty Company has the overall most affordable prices for drivers with a DUI on their records at $134 monthly, but it's worth noting that Kemper's average rates come from 15 states compared to just two for United Financial Casualty Company, so the data may be skewed slightly.

How does Credit Score Impact Kemper and United Financial Casualty Company Rates?

In many cases, your credit score can be used as one of the variables to determine your monthly auto insurance rates. Certain states and companies do not allow for credit score to be used as an insurance factor, but it will come into play for lots of drivers.

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

Looking at Kemper and United Financial Casualty Company specifically, which carrier has the cheapest premiums for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, United Financial Casualty Company will normally reward you the most. For drivers with "excellent" credit scores, United Financial Casualty Company comes in more than 40.57 cheaper. Drivers with "good" credit scores generally save about 42% with United Financial Casualty Company compared to average rates from Kemper.

Which Company is Best for Drivers with Bad Credit?

United Financial Casualty Company typically offers lower premiums than Kemper when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay around 41% a month less with United Financial Casualty Company compared to Kemper, and those with "poor" scores usually save an average of about 47% per month.

Is Kemper or United Financial Casualty Company Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a large impact on your monthly car insurance payment. Typically, those who drive fewer miles will end up with less expensive prices since there's less of a chance of causing a collision and filing an insurance claim.

United Financial Casualty Company tends to be the more affordable option for both remote workers and those taking short commutes. Kemper's average rates for drivers with 6,000 annual miles come in around 44% more expensive than United Financial Casualty Company. Those who drive 12,000 miles yearly can expect to pay about 43% more with Kemper over United Financial Casualty Company.

Kemper or United Financial Casualty Company: 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 pretty big impact as well. Generally, policyholders who live in less densely populated rural areas will pay quite a bit less than urban drivers because of the small number of cars that are on the roads where they live.

When comparing these two companies side-by-side, United Financial Casualty Company typically comes out as the most affordable option for drivers in all areas, regardless of if they're urban, suburban, or rural.

In urban areas, United Financial Casualty Company's average rates are around $139 per month compared to Kemper's $296. Drivers in suburban ZIP codes pay about $134 with United Financial Casualty Company compared to Kemper's $226 a month. If you live in a rural area, you can expect to pay around $125 per month with United Financial Casualty Company compared to Kemper's $182.

Kemper vs. United Financial Casualty Company Discounts

You want to save as much money as you can, right? 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 looked at all of the different discounts Kemper and United Financial Casualty Company offer their customers so that you can see which company offers the most discounts and see which ones you might be able to take advantage of.

Kemper knocks United Financial Casualty Company out of the park when it comes to the sheer number of discounts available, offering 24 different discounts to United Financial Casualty Company's 18.

There are a couple discounts both carriers offer, but Kemper also offers discounts for AAA, ABS, advance quote, and more.

On the other hand, United Financial Casualty Company has a few proprietary discounts of their own for things like e-signature discounts, minor child discounts, occasional operator discounts, and more.

Final Thoughts: Is Kemper or United Financial Casualty Company Best for You?

So, we've broken down the average premiums for many of the factors car insurance companies look at, and we've shown you all the discounts each carrier offers. But, at the end of the day, which company is the best fit for you?

United Financial Casualty Company might be best for you if....

• You have an at-fault accident on your record.
• You already have a great credit score.
• You drive fewer than 6,000 miles every year.

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 United Financial Casualty Company 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 several carriers, not just Kemper and United Financial Casualty Company. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get free quotes from dozens of the top insurance companies in your area, all in just a few minutes.

Kemper vs. United Financial Casualty Company FAQs

Is Kemper or United Financial Casualty Company cheaper?

United Financial Casualty Company is the less expensive of the two carriers when looking at national average prices, with policies averaging $133 a month with United Financial Casualty Company and $235 for Kemper. Even so, that doesn't mean United Financial Casualty Company will be the cheapest company for everyone, since there are a range of different variables (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Kemper or United Financial Casualty Company?

Sadly, the real answer is "it depends.". Neither carrier is "better" for each policyholder -- it all comes down to what your unique auto insurance profile looks like.

Why do Kemper and United Financial Casualty Company offer me different rates?

Car insurance companies use many different factors when determining the rates they charge. Variables like where your home is, age, where you park your vehicle, gender, and sometimes even things like your credit score can all be used. Both Kemper and United Financial Casualty Company calculate prices differently, so it's likely they'll offer different premiums. The best way to determine which company is the most affordable for you is by comparing personalized quotes from many different carriers.

How do I know if Kemper or United Financial Casualty Company is right for me?

The only way to find the insurance carrier that's right for you is by getting quotes from multiple companies and finding the one best suited for your individual budget. Luckily, Compare.com makes it easy for you to do just that. Just enter your information once 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 lowest rate. And maybe you'll find that the best company for you isn't Kemper or United Financial Casualty Company 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.