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

Quick Facts

• In general, Kemper offers significantly cheaper rates than Utica National
• Kemper tends to be a much less expensive option for single people who will be the only person on the auto insurance policy
• Utica National has more affordable prices in NY

Kemper or Utica National: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? After all, you've seen ads from all sorts of companies offering large savings. But exactly how much can you save by switching?

You might be considering Kemper or Utica National, but which carrier will offer you less expensive rates?

As you can see, Utica National is quite a bit more expensive than Kemper, with prices averaging $394 a month compared to just $235 with Kemper when looking at the national average rates for car insurance.

Even so, that doesn't mean Kemper will necessarily be more affordable than Utica National for each driver. Insurance carriers vary their premiums depending on things like where you live, how good your credit score is, how clean your driving record is, how old you are, and a variety of other factors. So, at the end of the day, rates from every carrier will differ quite a bit from person to person.

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

Kemper vs. Utica National: Average Car Insurance Rates by State

Kemper and Utica National only compete against each other in New York, where Utica National offers the cheaper average premiums. Utica National drivers tend to pay about $388 per month less on average compared to drivers who use Kemper for their auto insurance.

That being said, there's a lot more that goes into your insurance bill than just where you live. Continue reading to see how other variables will affect your rates.

Which is the Best Company For Young Drivers?

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

But that doesn't mean that teen drivers have to just accept sky-high car insurance prices. Just look at the table above -- where 18-year-old drivers who have Kemper for their auto insurance pay 30% less than those who use Utica National. It's worth noting that Kemper offers insurance in 15 different states compared to Utica National's one, which can skew the average premiums a bit, but the difference here is still considerable.

However, both companies will lower rates once you turn 25. Utica National offers the steepest drop, with 25-year-olds paying less than half what 18-year-old drivers are charged. That being said, Kemper still has the lowest premiums at $213 a month.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll usually enjoy the cheapest car 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 prices for auto insurance.

But who has the best rates for retired drivers between Kemper and Utica National? Kemper gets the edge, with prices for drivers 65 and older $133 cheaper than the national average for Utica National.

Which is the Best Company for Married Drivers?

You may not be aware, but insurance premiums tend to be more affordable for married couples than they are for single drivers. This usually boils down to married policyholders having more than one vehicle on their policy -- something lots of car insurance carriers will reward with discounts.

For single policyholders, the difference in average rates between these two companies is significant, with Kemper prices coming in at a third less than Utica National's. The advantage is also clear for married drivers - Kemper offers the lowest average premiums.

Kemper or Utica National: Average Rates by Gender

Because women are less likely to get tickets and get into accidents, they are less likely to file a claim with insurance. So, women tend to pay less for auto insurance than men.

Normally, women see prices almost 10% a month less with Kemper, but with Utica National, the difference is closer to 7% per month.

Looking at the data for each carrier specifically, Kemper comes out on top for both men and women, with average premiums $165 less for men and $154 cheaper for women.

Kemper vs. Utica National: 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.

It's no secret that insurance can be a complicated subject for most people. There are several different coverages that account for lots of different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause a collision.

The two most common policies end up falling into two different types of coverage -- liability coverage (which provides property damage and bodily injury coverage for other drivers and passengers if you cause an accident) and full coverage (which normally refers to having collision and comprehensive coverages alongside liability coverage).

Looking specifically at state minimum liability limits, Kemper has the significant edge, with average monthly rates coming in at $139. If you want a full coverage policy with the same state minimum limits, Kemper again has the edge, with policies averaging around $331 a month to Utica National's $592.

Is Kemper or Utica National Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from car insurance carriers 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 collisions will most likely raise your prices, but is Kemper or Utica National less expensive for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Kemper for their insurance can typically expect their monthly bill to go up about 21% after getting a speeding ticket. Utica National policyholders can expect a less drastic increase of around 16%.

That being said, Kemper has cheaper rates for drivers in both categories -- their rates are around 43% more affordable for drivers with clean records and 40% 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 premiums climb by $85, while those who have insurance through Utica National will see about a $60 increase.

At the end of the day, the cheaper prices come from Kemper, with average rates coming in at $259 compared to Utica National's $362.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single collision or ticket when it comes to your auto insurance bill. Utica National drivers usually see a 45% increase in their car insurance premiums after a DUI charge, while Kemper will usually climb prices by around 39%.

Kemper has the overall most affordable rates for drivers with a DUI on their records at $287 per month, but it's worth noting that Kemper's average rates come from 15 states compared to just one for Utica National, so the data may be skewed slightly.

How does Credit Score Impact Kemper and Utica National Rates?

In many cases, your credit score can be used as one of the factors to determine your monthly auto insurance prices. This isn't true for everyone (for example, Massachusetts and Michigan are two states that ban the practice entirely), but it will come into play for several policyholders.

Car 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, drivers with good credit will often be rewarded with more affordable premiums.

Looking at Kemper and Utica National specifically, which one has the cheapest rates for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, Kemper will generally reward you the most. For drivers with "excellent" credit scores, Kemper comes in more than 55.58 less expensive. Drivers with "good" credit scores normally save about 47% with Kemper compared to average premiums from Utica National.

Which Company is Best for Drivers with Bad Credit?

Kemper typically offers lower rates than Utica National when it comes to drivers with a below average credit score. Drivers with "fair" credit pay around 39% per month less with Kemper compared to Utica National, and those with "poor" scores typically save an average of about 18% monthly.

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

How much you drive can have a big impact on how much insurance carriers will charge for coverage. Usually, the more milage you put on your car each year, the more you can expect to pay for car insurance.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Utica National charges. However, there's a small difference in monthly prices for Kemper, with policyholders who drive 6,000 miles yearly paying around $1 less each month compared to those who drive 12,000 miles every year. Still, for drivers in both categories, Kemper is the cheaper company.

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

Where you park your vehicle can play a large role in how much you pay for insurance. Generally, if you live in a rural area with fewer cars on the road, you'll pay a little less for auto insurance, while the opposite is true for people in urban areas.

When comparing these two companies side-by-side, Kemper typically comes out as the lowest option 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 per month with Kemper compared to Utica National's $333. Drivers in suburban ZIP codes pay around $226 with Kemper compared to Utica National's $316 monthly. In urban areas, Kemper's average rates are about $296 a month compared to Utica National's $533.

Kemper vs. Utica National Discounts

No matter 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 you can. That's where insurance discounts comes into play.

But with what seems like a million different discounts out there, it can be difficult to nail down the carrier 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 Utica National offer their customers so that you can easily see which company offers the most discounts and, therefore, the largest savings.

Kemper knocks Utica National out of the park when it comes to the sheer number of discounts available, offering six more discounts than Utica National.

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

On the other hand, Utica National has a few proprietary discounts of their own for things like greenhouse gas discounts, low mileage discounts, payroll deduction discounts, and more.

Final Thoughts: Is Kemper or Utica National Best for You?

You've seen the role certain variables have on your auto insurance and the different discounts companies offer. That's all well and good, but at the end of the day, is Kemper or Utica National the right company for you and your specific needs?

Kemper might be best for you if....

• You will be the only person on the insurance policy.
• You're worried about the impact your credit score will have on your prices.
• You and your spouse are buying auto insurance together.

Utica National might be best for you if...

• You like the personalized touch of a small, local company.

Hopefully, this guide helps you get a better idea of the difference between Kemper and Utica National 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 auto insurance policy is to compare quotes from several carriers, not just Kemper and Utica National. 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 car insurance companies in your area, all in just a few minutes.

Kemper vs. Utica National FAQs

Is Kemper or Utica National cheaper?

Kemper is the less expensive of the two carriers when looking at national average premiums, with policies averaging $235 per month with Kemper and $394 for Utica National. However, that doesn't mean Kemper will be the most affordable carrier for everyone, since there are a range of different factors that are considered when it comes to your insurance cost.

Who is better, Kemper or Utica National?

Unfortunately, the answer truly is "it depends.". Neither company is "better" for everyone -- it all depends on what your unique car insurance profile looks like.

Why do Kemper and Utica National offer me different rates?

Insurance companies use many different variables when determining the rates they charge. Things like your driving record, age, gender, where your home is, and sometimes even things like your credit score can all come into play. Both Kemper and Utica National calculate prices using different factors, so it's likely they'll offer different premiums. The best way to determine which carrier is the cheapest for you is by comparing personalized quotes from many different carriers.

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

The only way to find the auto 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, 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 car insurance carriers for free. That way, you can guarantee you're getting the lowest rate. And maybe you'll find that the best carrier for you isn't Kemper or Utica National 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.