AAA vs. Dairyland: Which Company is the Best Fit for You?

Want to know if AAA or Dairyland is the better choice for auto insurance? You're probably wondering which company offers the best rates or the most discounts. Check out our latest guide below to find out which of these two companies is the best for you.
Newly insured car driving down the road
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Quick Facts

  • Based on national averages for insurance, Dairyland offers less expensive prices than AAA
  • AAA has cheaper premiums for policyholders who haven't received any speeding tickets or been in an accident in the last few years
  • Dairyland offers more affordable prices for couples purchasing car insurance together

AAA vs. Dairyland: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? With so many ads from all sorts of companies offering huge discounts, you're probably wondering exactly how much you might be able to save.

You might have narrowed it down to AAA or Dairyland as potential options, but which one has more affordable premiums for insurance?

AAA Dairyland

Looking at the national average rates for both companies, Dairyland has average rates that are about 18% per month less expensive than those from AAA.

However, that doesn't mean Dairyland will necessarily be cheaper than AAA for each driver. After all, car insurance carriers can offer drastically different rates to each driver depending on rating factors like where you call home, your credit score, your age, or even your driving record (among other things). So, at the end of the day, rates from every carrier will differ quite a bit from person to person.

Wanting to know if AAA or Dairyland 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.

AAA or Dairyland: Average Car Insurance Rates by State

State AAA Dairyland

AAA and Dairyland only compete against each other in three states, with Dairyland offering more affordable prices to the average driver in all of them. If you live in Arkansas, Dairyland is the cheaper of the two companies when looking at the overall average rates. AAA is the less expensive option in Nevada and Texas.

That being said, there's a lot more that goes into your auto insurance payment than just where you live. Read on to learn more.

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Which is the Best Company For Young Drivers?

AAA Dairyland
18-year-old drivers$689$524
25-year-old drivers$276$232

You might already know that teen drivers normally pay a lot more for insurance than any other group of drivers. It's because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But that doesn't mean teen drivers can't still save money on their car insurance. For example, 18-year-old drivers pay an average of more than $150 less a month by choosing Dairyland over AAA.

That being said, both carriers will decrease prices by the time drivers turn 25. Dairyland offers the steepest reduction, with 25-year-olds paying less than half what 18-year-old drivers are charged. AAA's average premiums lower nearly 60% during that same period.

Which is the Best Company for Retired Drivers?

AAA Dairyland
65+-year-old drivers$238$203

Drivers around retirement age usually enjoy some of the lowest auto insurance rates you can find. After all, they've likely been driving for quite some time, which typically decreases their chances of accidents and other infractions that can increase premiums.

So, which carrier offers the best rates to retired drivers? Dairyland gets the edge, with prices for drivers 65 and older almost 15% more affordable than the national average for AAA.

Which is the Best Company for Married Drivers?

AAA Dairyland

You may not be aware, but car insurance premiums tend to be less expensive for married couples than they are for those who are single. This usually boils down to married policyholders having more than one car on their policy -- something several insurance companies will reward with discounts.

When it comes to relationship status, Dairyland is the clear winner for single drivers, with prices around $73 per month more affordable than AAA, on average. The advantage for married drivers with Dairyland is also obvious, where drivers save over $35 a month.

AAA vs. Dairyland: Average Rates by Gender

AAA Dairyland

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

Normally, women see rates more than 10% per month less with AAA, and about 4% less with Dairyland.

Looking at overall affordability, Dairyland offers the most affordable average prices for both men and women. On average, male drivers save about $70 a month and women save around $46 with Dairyland compared to the average AAA policyholder.

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AAA or Dairyland: Compare State Minimum vs. Full Coverage Rates

AAA Dairyland
State Minimum*$169$142
Full Coverage**$459$370

*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 auto insurance, but there are so many different coverages and terms that it can be hard to find the right policy.

Even so, most policies end up falling into two different types of coverage -- liability only (which provides bodily injury and property damage coverage for other drivers and 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 limits for liability insurance, Dairyland normally offers cheaper rates of $142 compared to AAA's $169. When it comes to full coverage policies with similar limits, Dairyland again has the edge, with policies about $90 per month less expensive than AAA, on average.

Is AAA or Dairyland 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.

It's no secret secret that tickets and collisions lead to higher premiums, but which company -- AAA or Dairyland -- has the cheapest prices for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

AAA Dairyland
Clean Record$213$225
1 Speeding Ticket$299$265

AAA policyholders can expect their rates to go up an average of $86 a month if they get a ticket, while Dairyland generally raises premiums around $40 per month, on average.

If you have a clean record, AAA tends to offer the best rates at about 5% more affordable, while Dairyland has the edge for drivers with a speeding ticket.

Which Company is Best for Drivers After an Accident?

AAA Dairyland
Clean Record$213$225
1 At-Fault Accident$339$297

AAA drivers who get in an accident can expect to see their prices climb by just under $150, while those who have insurance through Dairyland will see around a $70 increase.

Overall, drivers who use Dairyland end up with the cheaper prices after an accident, with monthly premiums averaging $297 compared to AAA Insurance's $339.

Which Company is Best for Drivers with a DUI?

AAA Dairyland
Clean Record$213$225
1 DUI$403$236

On average, a DUI offense is going to cost you much more than a single accident or ticket when it comes to your insurance bill. AAA drivers usually see a 47% climb in their auto insurance prices after a DUI charge, while Dairyland will typically increase premiums by about 5%.

If you have a DUI on your record and are looking for more affordable rates, Dairyland tends to be the much cheaper option with average prices of $236 monthly compared to $403 from AAA.

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How does Credit Score Impact AAA and Dairyland Rates?

Did you know that many car insurance carriers take your credit score into account when calculating premiums? This isn't always the case (for example, Hawaii and Michigan are two states that ban the practice entirely), but it will come into play for quite a few policyholders.

The reasoning auto insurance companies use is that drivers with bad credit will be less likely to pay their bills on time; so usually, they'll be asked to pay more, while those with good credit will be rewarded with more affordable rates.

Looking at AAA and Dairyland specifically, which carrier has the most affordable premiums for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

AAA Dairyland
Excellent Credit Score$185$221
Good Credit Score$247$244

If you have a great credit score, you'll usually find a better deal with AAA for an "excellent" credit score. Drivers with "excellent" credit can save over 15% compared to Dairyland, while those with "good" scores can expect to see better savings from Dairyland -- around $3 or 1% cheaper than AAA each month.

Which Company is Best for Drivers with Bad Credit?

AAA Dairyland
Fair Credit Score$304$260
Poor Credit Score$539$299

Dairyland typically offers lower rates than AAA when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay about $44 a month less with Dairyland compared to AAA, and those with "poor" scores typically save an average of around $240 per month.

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Is AAA or Dairyland Better for Drivers who Work from Home or Have Short Commutes?

AAA Dairyland
6,000 Annual Miles$307$256
12,000 Annual Miles$320$256

The amount of time you spend behind the wheel of your car plays a big role in your monthly prices. That's because the fewer miles you put on your vehicle, the less likely you are to get into a collision and cause an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Dairyland charges. However, there's a small difference in monthly rates for AAA, with policyholders who drive the least paying about $13 less every month compared to those who drive 12,000 miles yearly. Still, Dairyland is the less expensive option for drivers in both categories.

AAA vs. Dairyland: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can play a big role in how much you pay for car insurance. Normally, 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 in those areas.

AAA Dairyland
Urban Areas$384$314
Suburban Areas$301$251
Rural Areas$256$203

Dairyland tends to offer the cheapest prices for drivers in every type of area, no matter if it's urban, suburban, or rural.

For policyholders in urban ZIP codes, Dairyland offers premiums around $314 a month compared to AAA's $384. People who live in suburban ZIP codes can expect to pay about $251 per month for Dairyland and $301 for AAA. Lastly, those in rural areas tend to get the lowest rates from both carriers, with average monthly premiums coming in at $203 and $256 for Dairyland and AAA respectively.

AAA vs. Dairyland 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. That's where car insurance discounts comes into play.

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 can take advantage of.

Below, we've compared all of the different discounts offered by AAA and Dairyland so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

AAA Dairyland
AAA Discount 
Academic Discount 
Advance Quote Discount
Agency Transfer Discount 
Anti-Theft Discount
Covid-19 Relief Discount 
Defensive Driver Discount
Distant Student Discount 
Driver Training Discount 
DriveSharp Discount 
EFT Discount 
Employee Discount 
Garage Discount 
Good Driving Discount 
Good Student Discount
Group Discount 
Homeowner Discount
Hybrid Vehicle Discount 
Mature Driver Discount 
Military Discount 

AAA knocks Dairyland out of the park when it comes to the sheer number of discounts available, offering 22 more discounts than Dairyland.

A couple of those are overlapping for things like discounts for being a defensive driver, discounts for being a good student, and paid in full discounts. AAA also offers AAA discounts, academic discounts, COVID-19 relief discount, and more that Dairyland does not.

On the flip side, Dairyland has a couple unique discounts of its own -- agency transfer discounts, prior insurance discounts, and travelink discounts.

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Final Thoughts: Is AAA or Dairyland Best for You?

So, we've broken down the average prices for many of the factors insurance companies look at, and we've shown you all the discounts each carrier offers. But, at the end of the day, is AAA or Dairyland the best company for you and your specific profile and needs?

Dairyland 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 and your spouse are buying insurance together.

AAA might be best for you if...

  • You haven't received any speeding tickets or been in an accident in the last few years.
  • You're looking for the company with the most discounts.

We hope this guide helps you get a better idea of the difference between AAA and Dairyland. We also hope we've given you the information you need to make the best decision when it comes to your auto insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your car insurance policy is to compare quotes from several carriers, not just AAA and Dairyland. Luckily, does all the hard work for you. Simply enter your ZIP code below and get free quotes from dozens of the top auto insurance companies in your area, all in just a few minutes.

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AAA vs. Dairyland FAQs

Is AAA or Dairyland cheaper?

Looking just at the national average rates, Dairyland is the cheaper of the two carriers, offering average rates of $256 a month compared to $314 for AAA. However, Dairyland won't necessarily be the cheapest carrier for each driver, since there are a bunch of different variables (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, AAA or Dairyland?

Unfortunately, the real answer is "it depends.". No single company is necessarily "better" for every driver -- it all depends on the makeup of your unique insurance profile. For example, Dairyland offers less expensive prices for drivers with a recent DUI, while AAA is more affordable for drivers with excellent credit.

Why do AAA and Dairyland offer me different rates?

Car insurance companies take a look at lots of different factors when determining the premiums they charge drivers. Things like your driving record, gender, age, where your home is, and sometimes even things like your credit score can all be taken into consideration. Both AAA and Dairyland calculate rates using different formulas, so each one will most likely offer different premiums. The only real way to see which carrier is the most affordable for you is by comparing personalized quotes from multiple different carriers.

How do I know if AAA or Dairyland is right for me?

The only way to find the 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, sites like make it easy for you to do just that. Just enter your area information and you'll get free quotes from dozens of the best auto insurance carriers in your area. That way, you can guarantee you're getting the lowest price. And who knows, the best carrier for you might not be AAA or Dairyland at all!


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.

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