Kemper vs. Virginia Farm Bureau: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for auto insurance, Virginia Farm Bureau offers significantly more affordable premiums than Kemper
• Kemper offers more discounts than Virginia Farm Bureau Insurance
• Virginia Farm Bureau has cheaper rates for residents of urban areas

Kemper vs. Virginia Farm Bureau: 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 considerable discounts, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed it down to Kemper or Virginia Farm Bureau as your top options, but which one will save you the most?

Looking at the national average rates for both companies, Virginia Farm Bureau has average rates that are about 55% per month less expensive than those from Kemper.

That being said, Virginia Farm Bureau may not be the most affordable or best option for each driver out there. Car insurance carriers use all sorts of complex algorithms to calculate prices, so depending on how clean your driving record is or how good your credit score is (among a variety of other factors), you could see wildly different rates from the ones above.

Wanting to know if Kemper or Virginia Farm Bureau is really the right company for you? Keep on reading to see how average premiums can change based on all of the factors we've mentioned above.

Kemper or Virginia Farm Bureau: Average Car Insurance Rates by State

Kemper and Virginia Farm Bureau only compete against each other in Virginia, where Virginia Farm Bureau offers the cheaper average rates. For Virginia residents, Virginia Farm Bureau offers auto insurance for $101 a month on average. Kemper's average premiums come out to be over 70% more expensive, at $219 per month.

But there's more to calculating car insurance prices than just your home state. Keep reading to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- normally pay a lot for insurance compared to older drivers. Usually, that's 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 premiums, teen drivers can still find ways to save money. For example, 18-year-old drivers pay an average of nearly $300 less a month by choosing Virginia Farm Bureau over Kemper. It's worth noting that Kemper offers auto insurance in 15 different states compared to Virginia Farm Bureau's one, which can skew the average prices a bit, but the difference here is still considerable.

But with both companies, you'll see your rates lower significantly by the time drivers turn 25. For example, average premiums for Kemper policyholders reduce almost $300 and Virginia Farm Bureau's prices decrease more than $100 over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll typically enjoy the cheapest car 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 Virginia Farm Bureau specifically, which carrier is best for retired drivers? Virginia Farm Bureau gets the edge, with premiums for drivers 65 and older $88 more affordable than the national average for Kemper.

Which is the Best Company for Married Drivers?

Married couples tend to get slightly cheaper auto insurance rates than single policyholders. That's because policies for married policyholders generally cover several cars, which a lot of carriers will offer you a discount for.

When it comes to relationship status, Virginia Farm Bureau is the clear winner for those who are single, with premiums around $157 per month less expensive than Kemper, on average. The advantage is also clear for married drivers - Virginia Farm Bureau offers the most affordable average rates.

Kemper vs. Virginia Farm Bureau: Average Rates by Gender

Did you know women tend to pay less for car insurance than men? This is because men are statistically more likely than women to get into accidents and file an insurance claim, which leads to increased risk for insurers and, therefore, higher prices.

Women typically pay about $20 a month less than men with Kemper, and around $4 less with Virginia Farm Bureau.

Looking at overall affordability, Virginia Farm Bureau comes out as the lowest option for both genders. On average, women save about $126 per month and men save about $141 with Virginia Farm Bureau compared to the average Kemper policyholder.

Kemper or Virginia Farm Bureau: 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.

Insurance can be a complicated subject for most people. Everyone needs car insurance, but there are so many different coverages and limits 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 (that covers property damage and bodily injury for other drivers and their passengers if you cause an accident) and full coverage (which usually refers to having comprehensive and collision coverages alongside liability).

If you're looking for state minimum limits for liability insurance, Virginia Farm Bureau normally offers significantly cheaper premiums of $66 compared to Kemper's $139. When it comes to full coverage policies with similar limits, Virginia Farm Bureau again has the edge, with policies around $200 a month more affordable than Kemper, on average.

Is Kemper or Virginia Farm Bureau Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from auto insurance companies offering great rates for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

Collisions and tickets will most likely raise your prices, but is Kemper or Virginia Farm Bureau cheaper for drivers with less-than-ideal driving 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 Virginia Farm Bureau generally raises rates about $25 a month, on average.

However, Virginia Farm Bureau has more affordable prices for drivers in both categories, offering rates that are $92 and $112 less expensive, 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 premiums rise by just under 35%, while those who have insurance through Virginia Farm Bureau will see around a 20% increase.

Overall, Virginia Farm Bureau offers the cheapest prices for drivers with an at-fault accident on their records, with monthly premiums averaging $105 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 collision or speeding ticket when it comes to your insurance bill. On average, Kemper will raise your prices about 39% after a DUI, while Virginia Farm Bureau's average rates increase by over 25%.

Virginia Farm Bureau has the overall most affordable prices for drivers with a DUI on their records at $111 monthly, but it's worth noting that Kemper's average rates come from 15 states compared to just one for Virginia Farm Bureau, so the data may be skewed slightly.

How does Credit Score Impact Kemper and Virginia Farm Bureau Rates?

You may not realized it, but your credit score can come into play when carriers determine your monthly bill. This isn't always the case (Michigan, for example, has banned the use of credit score as a rating factor) but it will come into play for lots of policyholders.

Auto 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 Virginia Farm Bureau specifically, which company has the best rates for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, you'll usually find a better deal with Virginia Farm Bureau. Drivers with "excellent" credit can save just under 65% compared to Kemper, and those with "good" scores can also expect to see savings -- around $120 or 58% less expensive each month.

Which Company is Best for Drivers with Bad Credit?

Virginia Farm Bureau typically offers lower prices than Kemper when it comes to drivers with bad credit. Drivers with "fair" credit pay about $131 per month less with Virginia Farm Bureau compared to Kemper, and those with "poor" scores normally save an average of around $181 a month.

Is Kemper or Virginia Farm Bureau 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 big impact on your monthly insurance cost? That's because the more miles you put on your vehicle each year, the more likely you are to get into an accident and cause an insurance claim.

For both drivers who put 6,000 miles on their vehicles yearly, as well as those who average twice that figure, Virginia Farm Bureau tends to be the cheaper option. Virginia Farm Bureau's average premiums for drivers with 6,000 annual miles come in about 58% more affordable than Kemper. Those who drive 12,000 miles every year can expect to pay around 56% less with Virginia Farm Bureau over Kemper.

Kemper vs. Virginia Farm Bureau: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can have a sizable impact on your monthly car insurance payment. Usually, if you live in an urban area with more cars on the road, you'll pay a little more for insurance, while the opposite is true for people in rural areas.

Virginia Farm Bureau boasts the cheapest average rates for drivers in all areas, regardless of if they're urban, suburban, or rural.

Policyholders in rural ZIP codes see the most affordable premiums from both carriers, but Virginia Farm Bureau comes out on top with average rates about $78 per month. Virginia Farm Bureau also has less expensive average premiums for drivers in urban and suburban ZIP codes -- a $187 and $110 a month respective difference when compared to Kemper policyholders in similar areas.

Kemper vs. Virginia Farm Bureau Discounts

Regardless of why you might be in the market for a new auto 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.

But with what seems like a million different discounts out there, it can be difficult to find all the ones you can take advantage of or to nail down the carrier that has the most discounts for your unique driver profile.

In the section below, we've compared all of the different discounts offered by Kemper and Virginia Farm Bureau 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 Virginia Farm Bureau away when it comes to the sheer amount of discounts available, offering 24 different discounts to Virginia Farm Bureau's eight.

There are a couple discounts both companies offer, but Kemper also offers AAA discounts, advance quote discounts, anti-theft discounts, and more that Virginia Farm Bureau does not.

On the flip side, Virginia Farm Bureau has a couple unique discounts of its own -- new business discounts and umbrella policy discounts.

Final Thoughts: Is Kemper or Virginia Farm Bureau Best for You?

So, you've seen how different factors can affect your insurance prices. We've shown you all the discounts each company offers, too. But, when it comes down to it, which insurance carrier is the best one for you and your specific profile and needs?

Virginia Farm Bureau might be best for you if....

• You have a DUI charge on your record.
• You're looking for more protection with "full coverage" auto insurance.
• You drive fewer than 6,000 miles annually.

Kemper might be best for you if...

• You are considering moving to another state -- Virginia Farm Bureau Insurance only offers policies to Virginia residents.
• You're looking for the company with the most discounts.

We hope this guide helps you get a good idea of the differences between Kemper and Virginia Farm Bureau 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 several carriers, not just Kemper and Virginia Farm Bureau. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code below and get multiple free quotes from some of the best car insurance companies in your area, all in just a few minutes.

Kemper vs. Virginia Farm Bureau FAQs

Is Kemper or Virginia Farm Bureau cheaper?

Looking just at the national average premiums, Virginia Farm Bureau is the cheaper of the two carriers, offering average rates of $101 per month compared to $235 for Kemper. Even so, Virginia Farm Bureau won't necessarily be the cheapest carrier for each driver, since there are several different variables (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Kemper or Virginia Farm Bureau?

Sadly, the only answer we can give you is "it depends.". No single company is necessarily "better" for every driver -- it all boils down to your unique auto insurance profile.

Why do Kemper and Virginia Farm Bureau offer me different rates?

Car insurance companies take a look at quite a few different factors when calculating the prices they charge drivers. Variables like your driving record, where your home is, gender, age, and sometimes even things like your credit score can all be used. Both Kemper and Virginia Farm Bureau use different formulas, so each one will most likely offer different rates. The only real way to see which carrier is the lowest for you is by comparing personalized quotes from a bunch of different carriers.

How do I know if Kemper or Virginia Farm Bureau is right for me?

The only way to find the auto 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, Compare.com does all the hard work for you. Just enter your ZIP code and you'll get free quotes from dozens of the best insurance carriers in your area. That way, you can guarantee you're getting the cheapest price. And who knows, the best carrier for you might not be Kemper or Virginia Farm Bureau 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.