American Access Casualty Company vs. Dairyland: Which Company is the Best Fit for You?

Quick Facts

• In general, Dairyland offers slightly cheaper rates than American Access Casualty Company
• American Access Casualty Company offers more affordable average prices for drivers who have a speeding ticket on their driving record
• Dairyland has less expensive premiums for policyholders who drive a short distance to work everyday

American Access Casualty Company or Dairyland: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching to a new insurance policy. With so many ads from all sorts of companies offering substantial savings, you're probably wondering exactly how much you might be able to save.

You might have narrowed it down to American Access Casualty Company or Dairyland as your top options, but between the two, which carrier has cheaper prices for insurance?

Looking at the national average rates for both carriers, American Access Casualty Company is around $23 more a month than Dairyland.

But that doesn't mean Dairyland will necessarily be less expensive than American Access Casualty Company for each driver. Car insurance companies use tons of complex algorithms to determine rates, so depending on how clean your driving record is or how old you are (among a lot of other factors), you could see wildly different premiums from the ones above.

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

American Access Casualty Company vs. Dairyland: Average Car Insurance Rates by State

American Access Casualty Company and Dairyland only compete against each other in Nevada, where American Access Casualty Company offers the cheaper average prices. Undefined drivers tend to pay about undefined per month less on average compared to drivers who use undefined for their auto insurance.

There's a lot more that goes into your insurance bill than just where you call home. Read on to find out more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers typically pay a lot more for car insurance than any other group of drivers out there on the road. That's usually because teen drivers are statistically much more likely to get into an accident that results in an auto insurance claim, making them much riskier to insure.

That being said, 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 Dairyland for their auto insurance pay over 30% less than those who use American Access Casualty Company.

Even so, both carriers will offer you dramatically lower prices once you turn 25. For example, average premiums for American Access Casualty Company policyholders decrease about $500 and Dairyland's rates lower around $300 over that time.

Which is the Best Company for Retired Drivers?

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

When looking at American Access Casualty Company and Dairyland specifically, which carrier is best for retired drivers? In this case, American Access Casualty Company has the slight edge, with prices about $7 a month less than Dairyland. However, that difference is less than 5%, which means it ultimately will come down to other variables, like your credit score or your driving record.

Which is the Best Company for Married Drivers?

Married policyholders tend to get slightly more affordable car insurance rates than those who are single. This usually boils down to married drivers having more than one vehicle on their policy -- something quite a few auto insurance companies will reward with discounts.

For single policyholders, the difference in average premiums between these two carriers is significant, with Dairyland prices coming in at around 15% less than American Access Casualty Company's. It's not quite so glaring for married couples, where drivers who use American Access Casualty Company save about 3% per month.

American Access Casualty Company or Dairyland: Average Rates by Gender

Men are statistically more likely than women to get into collisions and file an insurance claim. That means when it comes to insurance men will normally end up paying a little more.

On average, women see rates almost 10% a month less with American Access Casualty Company, and around 4% less with Dairyland when compared to their male counterparts.

Looking at the data for each company specifically, Dairyland comes out on top for both men and women. On average, women save about $14 per month and men save about $32 with Dairyland compared to the average American Access Casualty Company policyholder.

American Access Casualty Company vs. 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.

Car insurance can be a complicated subject for most people. There are lots of different coverages that account for a variety 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 that drivers look at fall into two categories -- liability coverage (which provides property damage and bodily injury coverage for other drivers and their passengers if you cause an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to what you get with liability).

When it comes to state minimum liability insurance, Dairyland has the edge, while American Access Casualty Company offers the cheapest average prices for full coverage policies with similar coverage limits. Policyholders looking for basic state minimum coverage can save around $55 with Dairyland, while full coverage comes out to be around $10 less expensive with American Access Casualty Company.

Is American Access Casualty Company or Dairyland Better for Drivers with Spotty Records?

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

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

Which Company is Best for Drivers with Speeding Tickets?

Drivers who use American Access Casualty Company for their car insurance can generally expect their monthly bill to go up about 9% after getting a speeding ticket. Dairyland policyholders can expect a bit more drastic of an increase of around 15%.

If you have gotten a ticket, American Access Casualty Company tends to offer the best rates at about 2% cheaper, while Dairyland has the edge for drivers with a clean record.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their insurance through American Access Casualty Company can expect to see around an $95 -- or about 29% -- rise in their auto insurance premiums. Drivers who use Dairyland for their insurance will see a monthly bill around $72 (or 24%) more expensive after reporting a collision to their auto insurance carrier.

At the end of the day, the more affordable prices come from Dairyland, with average rates coming in at $297 compared to American Access Casualty Company's $332.

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 -- typically a lot more than an accident or speeding ticket. For example, American Access Casualty Company increases average premiums by more than $50 a month -- that's nearly a 20% increase.

But if you end up with a DUI charge and are looking for more affordable rates, Dairyland tends to be less expensive for the average driver, with monthly premiums coming in at about $236 to American Access Casualty Company's $288.

How does Credit Score Impact American Access Casualty Company and Dairyland Rates?

Often times, your credit score can be used as one of the factors to calculate your monthly auto insurance prices. Certain states and companies do not allow for credit score to be used as an insurance factor, but it will come into play for several policyholders.

Car insurance carriers argue that those with good credit scores are more likely to pay their bills on time every month, which lowers the risk involved on their end, while the opposite is true for those with bad credit.

Looking specifically at American Access Casualty Company and Dairyland, which company has the best premiums for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is American Access Casualty Company or Dairyland Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a large impact on your monthly insurance payment. Normally, those who drive fewer miles will end up with cheaper prices since there's less of a chance of causing a collision and filing an insurance claim.

In this case, neither American Access Casualty Company or Dairyland report increasing premiums for drivers with higher annual mileage figures. That being said, Dairyland comes out as the most affordable for drivers at both intervals, whether they put 6,000 or 12,000 miles on their vehicle each year, with average rates of $256 per month for both.

American Access Casualty Company or Dairyland: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can have a considerable impact on your monthly auto insurance cost. Generally, those who live in rural areas will pay less than policyholders in urban areas due to the small number of cars that are on the roads where they live.

When comparing these two companies side-by-side, Dairyland usually comes out as the more affordable option for drivers in rural and urban areas, while American Access Casualty Company wins in suburban areas.

Those in rural areas can expect to save around 28% with Dairyland compared to American Access Casualty Company. People who live in suburban areas pay about 42% less with American Access Casualty Company compared to Dairyland. For drivers in urban ZIP codes, Dairyland's average prices are around 24% less than American Access Casualty Company.

American Access Casualty Company vs. Dairyland Discounts

No matter why you might be in the market for a new insurance policy, you're always going to want to save as much money as you can, and the best way to do that is by taking advantage of as many car insurance discounts as possible.

The hard part is finding all of the discounts you're eligible for, since it can feel sometimes like every carrier has different discounts and each one is advertised differently.

Luckily, we did the hard work for you and looked at all of the different discounts American Access Casualty Company and Dairyland offer their customers so that you can see which one can save you the most money each month.

Looking at the total number of discounts, Dairyland comes out ahead with 11 discounts to American Access Casualty Company's six.

There are a couple discounts both carriers offer, but Dairyland also offers discounts for advance quote, agency transfer, anti-theft, and more.

On the other hand, American Access Casualty Company has a few proprietary discounts of their own like good driving discounts and renewal discounts.

Final Thoughts: Is American Access Casualty Company or Dairyland Best for You?

So, we've broken down the average premiums for many of the variables auto insurance companies look at, and walked through the different discounts each company offers, too. That's all well and good, but when it comes down to it, which carrier is the right company for you and your specific profile and needs?

Dairyland might be best for you if....

• Your driving record contains an at-fault collision.
• You already have a great credit score.
• You have a short drive to work everyday.

American Access Casualty Company might be best for you if...

• You want the most robust protection via a "full coverage" policy.
• You're of retirement age and want to take advantage of lower prices.
• You are purchasing your car insurance with a spouse.

Hopefully, this guide helps you get a better idea of the difference between American Access Casualty Company and Dairyland and that it aids in making a more informed decision about your 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 several carriers, not just American Access Casualty Company and Dairyland. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP codes below and get free quotes from dozens of top insurance companies in your area, all in just a few minutes.

American Access Casualty Company vs. Dairyland FAQs

Is American Access Casualty Company or Dairyland cheaper?

Dairyland is the cheaper of the two carriers when looking at national average rates, with policies averaging $256 a month with Dairyland and $279 for American Access Casualty Company. Even so, that doesn't mean Dairyland will be the lowest company for everyone, since there are a bunch of different factors (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, American Access Casualty Company or Dairyland?

Sadly, the only answer we can give you is "it depends.". No one carrier is "better" for every policyholder -- it all depends on the makeup of your unique auto insurance profile. For example, American Access Casualty Company is less expensive for drivers who have less-than-stellar credit scores, while Dairyland offers more affordable premiums for policyholders with an at-fault accident on their record.

Why do American Access Casualty Company and Dairyland offer me different rates?

Car insurance companies use a lot of different variables when determining the rates they charge. Factors such as where you park your vehicle, age, where you call home, gender, and sometimes even things like your credit score can all be used. Both American Access Casualty Company and Dairyland use different formulas, so it's likely they'll offer different prices. The best way to determine which company is the cheapest for you is by comparing personalized quotes from several different carriers.

How do I know if American Access Casualty Company or Dairyland is right for me?

The only way to find the auto insurance carrier 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 does all the hard work for you. Just enter your information once and you'll get quotes from dozens of your local top insurance carriers for free. That way, you can guarantee you're getting the most affordable rate. And maybe you'll find that the best company for you isn't American Access Casualty Company or Dairyland 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.