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

Quick Facts

• In general, American Family offers significantly cheaper prices than Dairyland
• American Family tends to be a much more affordable option for drivers who have a speeding ticket on their driving record
• American Family has less expensive rates for residents of suburban areas

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

Are you in the market for a new insurance policy? You've probably seen commercials and billboards from companies offering hefty savings, but exactly how much money can you save by switching?

You might have narrowed your search down to American Family or Dairyland as potential options, but which carrier will offer you cheaper prices?

As you can see, Dairyland has average rates that are around 45% a month more expensive than those from American Family when looking at the national average rates for auto insurance.

Even so, American Family may not be the lowest or best option for every driver out there. After all, car insurance carriers can offer drastically different rates to every driver depending on rating factors like where you call home, your credit score, your driving record, or even your age (among other things), so premiums will vary quite a bit from person to person.

Luckily, we've broken down average prices from both American Family and Dairyland by a variety of different rate factors, so read on to find out which company is the best for you.

American Family vs. Dairyland: Average Car Insurance Rates by State

American Family and Dairyland compete against each other in four states, with American Family offering more affordable premiums to the average driver in all of them. Kansas has the most noticable difference, where American Family rates are $77 less expensive than auto insurance premiums at Dairyland.

That being said, there are plenty of other factors that go into your insurance bill than just where you call home. Read on to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive car insurance rates of any other group of drivers. The reason is that 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.

But still, even with seemingly sky-high prices, teen drivers can still find ways to save money. For example, 18-year-old drivers pay an average of over 40% less per month by choosing American Family over Dairyland.

However, both companies will offer you dramatically lower rates by the time you turn 25. For example, average premiums for American Family policyholders drop about $200 and Dairyland's prices reduce almost $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 cheapest premiums you can find.

So, which carrier offers the best rates to retired drivers? American Family gets the edge here, with average prices coming in at around $107 monthly compared to Dairyland's $203.

Which is the Best Company for Married Drivers?

Single drivers tend to get offered slightly more expensive insurance rates than married policyholders. That's generally because married couples tend to own and insure multiple vehicles, which can often earn you a discount.

For those who are single, the difference in average prices between these two carriers is significant, with American Family premiums coming in at about half of Dairyland's. The advantage for married drivers with American Family is also obvious, where drivers save around $95 a month.

American Family or Dairyland: Average Rates by Gender

Men are statistically more likely than women to get into collisions and file an insurance claim, which means they'll normally end up paying more for auto insurance than women.

Men usually pay about 3% more per month than women with American Family, but with Dairyland, the difference is closer to 4% a month.

When it comes to the most affordable rates for each gender, American Family comes out on top for both men and women. On average, male drivers save about $118 per month and women save around $113 with American Family compared to the average Dairyland policyholder.

American Family 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.

For most people, car insurance can be pretty complicated. There are a bunch of different coverages that account for lots 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 bodily injury and property damage coverage for other drivers and passengers if you cause an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to liability coverage).

Looking specifically at state minimum liability limits, American Family has the significant edge, with average monthly premiums coming in at $96. If you want a full coverage policy with the same state minimum limits, American Family again has the edge, with policies averaging about $185 a month to Dairyland's $370.

Is American Family or Dairyland Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their insurance. But that's not to say you can't save money if you don't have the best driving record, either.

It's no secret secret that speeding tickets and accidents lead to higher prices, but which company -- American Family or Dairyland -- has the cheapest rates for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use American Family for their car insurance can typically expect their monthly bill to go up around 20% after getting a speeding ticket. Dairyland policyholders can expect a less drastic increase of about 15%.

But American Family is usually the more affordable option for both drivers who have clean records and those with a recent ticket, offering premiums that are 48% and 45% cheaper, respectively, compared to Dairyland.

Which Company is Best for Drivers After an Accident?

American Family drivers who get in a collision can expect to see their prices rise by $20, while those who have insurance through Dairyland will see around a $70 increase.

At the end of the day, drivers who use American Family end up with the cheaper prices after an accident, with average premiums coming in at $138 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 auto insurance bill -- normally a lot more than an accident or speeding ticket. American Family drivers usually see a 25% increase in their insurance rates after a DUI charge, while Dairyland will generally climb prices by about 5%.

But if you end up with a DUI charge and are looking for more affordable rates, American Family tends to be less expensive for the average driver, with monthly premiums coming in at around $158 to Dairyland's $236.

How does Credit Score Impact American Family and Dairyland Rates?

In many cases, your credit score can be used as one of the variables to determine your monthly car insurance premiums. Certain states and companies do not allow for credit score to be used as a car insurance factor, but it will come into play for a lot of policyholders.

Auto insurance carriers 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 cheaper prices.

Looking at American Family and Dairyland specifically, which company has the lowest rates for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

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

How much you drive can have a considerable impact on your monthly insurance payment. That's because the fewer miles you drive, the less likely you are to be in a collision and file 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 American Family, with policyholders who drive 6,000 miles yearly paying about $5 less each month compared to those who drive 12,000 miles every year. Still, for drivers in both categories, American Family is the more affordable carrier.

American Family or Dairyland: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can play a substantial role in how much you pay for car insurance. Typically, 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.

When comparing these two companies side-by-side, American Family generally comes out as the cheapest option for drivers in every type of area, no matter if it's urban, suburban, or rural.

Those in rural areas can expect to save around 40% with American Family compared to Dairyland. People who live in suburban areas pay about 47% less with American Family compared to Dairyland. For drivers in urban ZIP codes, American Family Insurance's average rates are around 47% less than Dairyland.

American Family vs. Dairyland Discounts

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

But where do you even start? With what seems like a million different discounts out there, it may be challenging to find all the ones you're eligible for.

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

American Family knocks Dairyland out of the park when it comes to the sheer number of discounts available, offering 10 more discounts than Dairyland.

There are a couple discounts both carriers offer, but American Family also offers discounts for connect partner, COVID-19 relief, distant student, and more.

On the other hand, Dairyland has a few proprietary discounts of their own for things like agency transfer discounts, passive restraint discounts, prior insurance discounts, and more.

Final Thoughts: Is American Family or Dairyland Best for You?

So, we've broken down the average prices for many of the factors insurance companies look at, and walked through the different discounts each carrier offers, too. That's all well and good, but at the end of the day, which company is the right company for you, your vehicle, and your wallet?

American Family might be best for you if....

• You have a speeding ticket on your driving record.
• You want the most robust protection via a "full coverage" policy.
• You've started working from home and don't have much of a commute.

Dairyland might be best for you if...

• You have a more unique driver profile than those we mentioned above.

Hopefully, this guide helps you get a better idea of the difference between American Family and Dairyland. We also hope we've given you the information you need to make the best decision about 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 American Family and Dairyland. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get multiple free quotes from some of the best auto insurance companies in your area, all in just a few minutes.

American Family vs. Dairyland FAQs

Is American Family or Dairyland cheaper?

American Family is the less expensive of the two carriers when looking at national average premiums, with policies averaging $140 per month with American Family and $256 for Dairyland. That being said, that doesn't mean American Family will be the lowest carrier for everyone, since there are a range of different variables that are considered when it comes to your car insurance cost.

Who is better, American Family or Dairyland?

Sadly, the only answer we can give you is "it depends.". Neither company is "better" for everyone -- it all depends on what your unique insurance profile looks like.

Why do American Family and Dairyland offer me different rates?

Car insurance companies use quite a few different factors when determining the prices they charge. Variables such as your driving record, age, where you call home, gender, and sometimes even things like your credit score can all be taken into consideration. Both American Family and Dairyland calculate premiums using different formulas, so it's likely they'll offer different rates. The best way to determine which carrier is the most affordable for you is by comparing personalized quotes from many different carriers.

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

The only way to find the auto 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 Compare.com do all the hard work for you. Just enter your ZIP code and you'll get quotes from dozens of your local top insurance carriers for free. That way, you can guarantee you're getting the cheapest premium. And maybe you'll find that the best carrier for you isn't American Family 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.