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

Quick Facts

• In general, Allstate offers significantly more affordable prices than Dairyland
• Allstate offers cheaper average premiums for residents of rural areas
• Dairyland offers more affordable rates for residents in Arkansas, Delaware, Idaho, Kansas, Nevada, Oregon, Pennsylvania, South Carolina, and Texas

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

So, you're thinking about switching your auto insurance. With so many ads from all sorts of companies offering large discounts, you're probably wondering exactly how much you might be able to save.

You might have narrowed your search down to Allstate or Dairyland, but which company will save you the most?

As you can see, Dairyland has average rates that are about 22% per month more expensive than those from Allstate when looking at the national average rates for auto insurance.

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

So, if you want to find out which of Allstate or Dairyland is really the best for you, keep reading to see average rates for each company broken down by a variety of different rate factors.

Allstate or Dairyland: Average Car Insurance Rates by State

Allstate and Dairyland compete against each other in eight states, with Dairyland offering cheaper premiums to the average driver in all of them. If you live in Arkansas, Idaho, or Kansas, Dairyland is the more affordable of the two carriers when looking at the overall average prices. Allstate is the less expensive option in Delaware, Nevada, Oregon, Pennsylvania, and South Carolina.

That being said, there are plenty of other factors that go into your auto insurance payment than just where you live. Read on to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- usually pay a lot for car insurance compared to older drivers. The reason is that young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

Even so, that doesn't mean that teen drivers have to just accept sky-high insurance rates. Just look at the table above -- where 18-year-old drivers who have Allstate for their car insurance pay more than $75 less than those who use Dairyland.

However, with both companies, you'll see your premiums decrease significantly once you turn 25. For example, average prices for Allstate policyholders drop nearly $300 and Dairyland's rates reduce around $300 over that time.

Which is the Best Company for Retired Drivers?

When it comes to auto insurance, patience and experience pay off, with drivers around retirement age paying some of the lowest premiums you'll ever see.

But who has the best prices for retired drivers between Allstate and Dairyland? Allstate gets the edge here, with average premiums coming in at about $152 monthly compared to Dairyland's $203.

Which is the Best Company for Married Drivers?

You may not be aware, but insurance prices tend to be cheaper for married policyholders than they are for single policyholders. That's generally because married couples tend to own and insure multiple cars, which can often earn you a discount.

When it comes to relationship status, Allstate is the clear winner for single drivers, with rates around $65 a month more affordable than Dairyland, on average. The advantage is also clear for married drivers - Allstate offers the cheapest average prices.

Allstate vs. Dairyland: Average Rates by Gender

Did you know men normally pay more for car insurance than women? This is because men are statistically more likely than women to get into an accident or get pulled over for speeding, which leads to increased risk for insurers and, therefore, higher premiums.

With Allstate, men typically pay almost $10 per month more than women, while with Dairyland, the difference is closer to $10 a month.

Looking at overall affordability, Allstate comes out as the most affordable option for both genders, with average rates $58 less for men and $57 cheaper for women.

Allstate or Dairyland: 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 auto insurance can be a complicated subject for most people. There are multiple different coverages that account for several different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause a collision.

But the most common policies that many drivers look at fall into two categories -- liability only (that covers bodily injury and property damage for other drivers if you cause an accident) and full coverage (which usually refers to having comprehensive and collision coverages in addition to liability coverage).

If you're looking for state minimum liability limits, Allstate typically offers less expensive prices of $108 compared to Dairyland's $142. When it comes to full coverage policies with similar limits, Allstate again has the edge, with policies about $80 per month cheaper than Dairyland, on average.

Is Allstate or Dairyland Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their 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 carriers offers the cheapest rates to drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Allstate policyholders can expect their premiums to go up an average of $27 a month if they get a ticket, while Dairyland generally raises prices around $40 per month, on average.

That being said, Allstate tends to offer the best prices for both drivers who have a recent speeding ticket and those with clean records, offering premiums that are $69 and $82 more affordable, respectively, compared to Dairyland.

Which Company is Best for Drivers After an Accident?

Both companies will increase rates pretty significantly if you get into an at-fault accident with Allstate increasing by just under $75. Dairyland has a less extreme raise, but you can still expect to pay over $70 more than you were prior to your first collision.

Overall, the less expensive prices come from Allstate, with monthly rates averaging $229 compared to Dairyland's $297.

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 car insurance bill -- normally a lot more than a collision or ticket. For example, Allstate increases average premiums by more than $70 a month -- that's over a 30% increase.

If you have a DUI on your record and are looking for more affordable rates, Allstate tends to be the much more affordable option with average prices of $227 a month compared to $236 from Dairyland.

How does Credit Score Impact Allstate and Dairyland Rates?

Often times, your credit score can come into play when carriers calculate your monthly bill. This isn't always the case (California, for example, has banned the use of credit score as a rating factor) but it will come into play for a lot of drivers.

The reasoning auto insurance companies use is that policyholders with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper premiums, while those with poor credit will usually be forced to pay more.

So, which carrier offers the best rates for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, you'll usually find a better deal with Allstate. Policyholders with "excellent" credit can save just under 35% compared to Dairyland, and those with "good" scores can also expect to see savings -- about $72 or 30% less expensive each month.

Which Company is Best for Drivers with Bad Credit?

Allstate typically offers lower premiums than Dairyland when it comes to drivers with bad credit. Drivers with "fair" credit pay around $57 per month less with Allstate compared to Dairyland, and those with "poor" scores generally save an average of about $24 per month.

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

The amount of time you spend behind the wheel of your car plays a big role in your monthly prices. That's because the more miles you put on your vehicle, the more likely you are to get into an accident 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 premiums for Allstate, with drivers who put 6,000 miles on their car annually paying around $3 less every month compared to those who drive 12,000 miles each year. Still, Allstate is the cheaper option for drivers in both categories.

Allstate vs. Dairyland: 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 insurance, but the type of area you live in can have a large impact as well. Normally, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders because of the number of vehicles that are on the roads in those areas.

Allstate boasts the lowest average rates for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Drivers in rural ZIP codes see the most affordable prices from both carriers, but Allstate comes out on top with average rates about $174 monthly. Allstate also has less expensive average premiums for policyholders in urban and suburban ZIP codes -- a $92 and $52 a month respective difference when compared to Dairyland drivers in similar areas.

Allstate vs. Dairyland Discounts

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

The hard part is finding all of the discounts you can take advantage of, since it can feel sometimes like every company has different discounts and each one is advertised differently.

In the table below, we've taken a look at all of the different discounts Allstate and Dairyland offer their customers so that you can see which one can save you the most money each month.

Allstate blows Dairyland away when it comes to the sheer amount of discounts available, offering 29 more discounts than Dairyland.

There are a couple discounts both companies offer, but Allstate also offers ABS discounts, alert driving discounts, annual mileage discounts, and more that Dairyland does not.

Dairyland's discounts come through just a few categories, including Advance Quote, Agency Transfer, Anti-Theft, and more.

Final Thoughts: Is Allstate or Dairyland Best for You?

So, we've broken down the average prices for many of the factors insurance carriers look at, and we've shown you all the discounts each carrier offers. But, when it comes down to it, which company is the best fit for you?

Allstate might be best for you if....

• You value the experience that comes with a large national car insurance carrier.
• You're looking for more protection with "full coverage" insurance.
• You drive fewer than 6,000 miles yearly.

Dairyland might be best for you if...

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

We hope this guide has ben a valuable resource as you compare Allstate and Dairyland and that it aids in making a more informed decision about 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 a handful of companies, not just Allstate and Dairyland. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP codes below and get multiple free quotes from some of the best insurance carriers in your area, all in just a few minutes.

Allstate vs. Dairyland FAQs

Is Allstate or Dairyland cheaper?

Looking just at the national average rates, Allstate is the more affordable of the two companies, offering average rates of $199 per month compared to $256 for Dairyland. Even so, Allstate won't necessarily be the cheapest carrier for every driver, since there are lots of different variables (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Allstate or Dairyland?

Unfortunately, the only answer we can give you is "it depends.". No one company is necessarily "better" for each driver -- it all depends on the makeup of your unique car insurance profile.

Why do Allstate and Dairyland offer me different rates?

Auto insurance carriers take a look at many different factors when calculating the premiums they charge policyholders. Things such as age, where your home is, gender, your driving record, and sometimes even things like your credit score can all come into play. Both Allstate and Dairyland calculate prices 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 companies.

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

The only way to find the insurance company that's right for you is by getting quotes from several carriers 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 free quotes from dozens of the best auto insurance companies in your area. With those, you can guarantee you're getting the most affordable rate. And who knows, the best carrier for you might not be Allstate or Dairyland 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.