Kemper vs. Workmen’s Auto: Which Company is the Best Fit for You?

Quick Facts

• In general, Workmen's Auto offers significantly more affordable premiums than Kemper
• Kemper tends to be a much cheaper option for drivers who have less-than-stellar credit
• Workmen's Auto offers less expensive average prices for drivers with a DUI charge on their record

Kemper vs. Workmen's Auto: 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 discounts. But exactly how much can you save by switching?

You might have narrowed it down to Kemper or Workmen's Auto as potential options, but which company has cheaper rates for car insurance?

Looking at the national average rates for both companies, Workmen's Auto has average rates that are about 35% per month less expensive than those from Kemper.

However, that doesn't necessarily mean Workmen's Auto will be the more affordable option for each driver. After all, insurance carriers can offer drastically different rates to each driver depending on rating factors like your credit score, where you call home, your age, or even your driving record (among other things), so premiums will change quite a bit from person to person.

So, if you want to find out which of Kemper or Workmen's Auto is really the best for you, keep reading to see average prices for each carrier broken down by lots of different rate factors.

Kemper or Workmen's Auto: Average Car Insurance Rates by State

Kemper and Workmen's Auto only compete against each other in California, where Kemper offers the cheaper average rates. For California residents, Kemper offers car insurance for $140 a month on average. Workmen's Auto's average premiums come out to be more expensive, at $151 per month.

But there's more to insurance than just where you live. As we mentioned above, there's a lot of things that go into how auto insurance companies calculate your prices. Continue reading to see 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 premiums of any group on the road. Normally, 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 that doesn't mean that teen drivers have to just accept sky-high insurance rates. As you can see above, teens who use Workmen's Auto save more than $150 a month compared to those who use Kemper. It's worth noting that Kemper offers auto insurance in 15 different states compared to Workmen's Auto's one, which can skew the average premiums a bit, but the difference here is still considerable.

Even so, both carriers will decrease rates once you turn 25. Workmen's Auto offers the steepest decrease, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. Kemper's average prices reduce over 55% during that same period.

Which is the Best Company for Retired Drivers?

When it comes to car insurance, patience and experience pay off, with drivers around retirement age paying some of the cheapest rates you can find.

But who has the best prices for retired drivers between Kemper and Workmen's Auto? Workmen's Auto gets the edge here, with average premiums coming in at around $124 monthly compared to Kemper's $179.

Which is the Best Company for Married Drivers?

Did you know that insurance prices are typically more expensive for single drivers than they are for married drivers? That's usually because married policyholders tend to own and insure more than one car, which can often earn you a discount.

When it comes to relationship status, Workmen's Auto is the clear winner for single policyholders, with rates about $97 per month less expensive than Kemper, on average. The advantage for married couples with Workmen's Auto is also obvious, where drivers save more than $65 a month.

Kemper vs. Workmen's Auto: Average Rates by Gender

Women tend to pay less for auto insurance than men. This is because men are more likely to get speeding tickets and get into collisions, which raises the chances of an insurance claim.

On average, men see premiums nearly 10% per month higher with Kemper; women and men get the same monthly prices with Workmen's Auto.

Looking at overall affordability, Workmen's Auto offers the most affordable average premiums for both men and women. On average, male drivers save about $93 a month and women save around $74 with Workmen's Auto compared to the average Kemper policyholder.

Kemper or Workmen's Auto: 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 pretty complicated. There are so many different terms and coverages that it can make it pretty confusing to find the right policy.

That being said, most policies end up falling into two different types of coverage -- liability only (which provides property damage and bodily injury coverage for other drivers and their passengers if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- alongside liability coverage).

If you're looking for state minimum liability insurance, Workmen's Auto generally offers significantly cheaper rates of $67 compared to Kemper's $139. When it comes to full coverage policies with similar limits, Workmen's Auto again has the edge, with policies about $95 per month more affordable than Kemper, on average.

Is Kemper or Workmen's Auto 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.

You'll probably end up paying more with accidents and tickets on your record, but which of these two companies offers the lowest premiums to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Kemper policyholders can expect their prices to go up an average of $45 a month if they get a ticket, while Workmen's Auto normally raises rates around $34 per month, on average.

But Workmen's Auto tends to offer the best prices for drivers both with clean records and with a speeding ticket -- their rates are around 36% less expensive for drivers with clean records and 34% more affordable 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 increase by $85, while those who have insurance through Workmen's Auto will see about a $45 increase.

Overall, Workmen's Auto offers the cheapest rates for drivers with an at-fault accident on their records, with monthly prices averaging $156 compared to Kemper's $259.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge on your record, it's probably going to cost you more than a simple ticket or even an accident. On average, Kemper will climb your rates around 39% after a DUI, while Workmen's Auto's average prices climb by over 40%.

Workmen's Auto has the overall most affordable premiums for drivers with a DUI on their records at $191 per month, but it's worth noting that Kemper's average rates come from 15 states compared to just one for Workmen's Auto, so the data may be skewed slightly.

How does Credit Score Impact Kemper and Workmen's Auto Rates?

Did you know that many auto insurance carriers take your credit score into account when calculating rates? This isn't always the case (Massachusetts, for example, has banned the use of credit score as a rating factor) but it does affect quite a few policyholders out there.

Insurance companies argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, drivers with bad credit will often be forced to pay more.

So, which company offers the best prices for policyholders with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have fantastic credit, Kemper will generally reward you. Jumping from a "good" credit score to an "excellent" one will usually save Kemper customers about $35. Because Workmen's Auto, doesn't have data available for credit scores, they most likely don't use credit to calculate your premiums.

Which Company is Best for Drivers with Bad Credit?

Having bad credit typically means you'll also see higher rates with Kemper. As you can see, Kemper customers with poor credit scores pay around $85 a month more than those with fair scores (and even more compared to drivers with good or excellent scores). On the other hand, Workmen's Auto doesn't have data available for credit scores, which means drivers with bad credit may find better rates with Workmen's Auto over Kemper.

Is Kemper or Workmen's Auto 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 pretty big impact on your monthly car insurance cost? That's because the fewer miles you drive, the less likely you are to get into a collision 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, Workmen's Auto offers cheaper prices than Kemper. Workmen's Auto average premiums for drivers with 6,000 annual miles come in over $100 more affordable than Kemper. Those who drive 12,000 miles annually can expect to pay $60 less with Workmen's Auto over Kemper.

Kemper vs. Workmen's Auto: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can have a considerable impact on your monthly auto insurance bill. 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.

Workmen's Auto tends to offer the cheapest rates for drivers in all areas, regardless of if they're urban, suburban, or rural.

In urban areas, Workmen's Auto Insurance's average premiums are about $147 less than Kemper. Drivers in suburban ZIP codes pay around $72 less with Workmen's Auto compared to Kemper. If you live in a rural area, you can expect to save about $33 with Workmen's Auto compared to Kemper.

Kemper vs. Workmen's Auto Discounts

You want to save as much money as possible, right? The best way to do that is by utilizing as many auto insurance discounts as you can.

But with what seems like a million different discounts out there, it can be difficult 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.

Below, we've compared all of the different discounts offered by Kemper and Workmen's Auto so that you can see which carrier can save you the most money each month.

Kemper blows Workmen's Auto away when it comes to the sheer amount of discounts available, offering 24 different discounts to Workmen's Auto's four.

Both carriers offer quite a few of the same discounts -- like discounts for being a good driver, mature driver discounts, and renewal discounts -- but Kemper also offers AAA discounts, ABS discounts, advance quote discounts, and more that Workmen's Auto does not.

On the flip side, Workmen's Auto has a unique discount of its own -- a driver-vehicle combination discounts.

Final Thoughts: Is Kemper or Workmen's Auto Best for You?

So, we've broken down the average prices for many of the variables car insurance companies look at, and we've shown you all the discounts each carrier offers. 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?

Workmen's Auto might be best for you if....

• You're single and purchasing auto insurance by yourself.
• You're looking for more protection with "full coverage" car insurance.
• You live in a rural neighborhood.

Kemper might be best for you if...

• Your credit is below-average.
• You have above-average credit.
• You're looking for discounts -- Kemper has the most.

We hope this guide has ben a valuable resource as you compare Kemper and Workmen's Auto and that you can now make a more informed decision when it comes to your insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on car insurance -- comparing quotes from a handful of carriers, not just Kemper and Workmen's Auto. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code below and get free quotes from dozens of top insurance companies in your area, all in just a few minutes.

Kemper vs. Workmen's Auto FAQs

Is Kemper or Workmen's Auto cheaper?

Looking just at the national average rates, Workmen's Auto is the less expensive of the two carriers, offering average rates of $151 per month compared to $235 for Kemper. However, Workmen's Auto won't necessarily be the most affordable carrier for every policyholder, since there are a variety of different factors that come into play when it comes to your auto insurance payment.

Who is better, Kemper or Workmen's Auto?

Sadly, the answer truly is "it depends.". One company is not necessarily "better" for everyone -- it all depends on what your unique insurance profile looks like. For example, Workmen's Auto offers cheaper premiums for drivers with an at-fault collision on their record, while Kemper is more affordable for drivers who have less-than-stellar credit scores.

Why do Kemper and Workmen's Auto offer me different rates?

Car insurance companies take a look at lots of different variables when determining the prices they charge policyholders. Factors such as your driving record, gender, age, where you live, and sometimes even things like your credit score can all be used. Both Kemper and Workmen's Auto calculate premiums differently, 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 range of different carriers.

How do I know if Kemper or Workmen's Auto is right for me?

The only way to find the auto insurance company that's right for you is by getting quotes from several companies and finding the one best suited for your individual budget. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your information once 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 most affordable price. And who knows, the best carrier for you might not be Kemper or Workmen's Auto 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.