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

Quick Facts

• In general, American National offers significantly cheaper prices than Dairyland
• American National offers more affordable premiums for drivers who have below-average credit
• American National tends to be a much more affordable option for policyholders who drive fewer than 12,000 miles every year

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

So, you're thinking about switching to 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 be considering American National or Dairyland as your top options, but which company will save you the most?

As you can see, Dairyland is quite a bit more expensive than American National, with rates averaging $256 a month compared to just $87 with American National when looking at the national average rates for auto insurance.

Even so, American National may not be the most affordable or best option for every driver out there. Insurance carriers vary their premiums depending on things like how clean your driving record is, how old you are, how good your credit score is, where you live, and tons of other factors, so prices will vary quite a bit from person to person.

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

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

American National and Dairyland only compete against each other in three states, with American National offering less expensive premiums to the average driver in all of them. South Carolina has the most noticable difference, where American National prices are $257 cheaper than car insurance rates at Dairyland.

But there's more to auto insurance than just where you call home. As we mentioned above, there's a lot of things that go into how car insurance companies determine your prices. Keep reading to learn more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto insurance premiums of any other group of drivers out there on the road. It's typically because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

However, that doesn't mean that teen drivers have to just accept sky-high insurance prices. As you can see above, teens who use American National save almost 60% per month compared to those who use Dairyland.

That being said, both carriers will offer you dramatically lower rates by the time drivers turn 25. For example, average premiums for American National policyholders decrease around $100 and Dairyland's rates drop about $300 over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age generally enjoy some of the cheapest auto insurance premiums you'll ever find. After all, they've likely been driving for quite some time, which usually decreases their chances of collisions and other infractions that can raise prices.

So, which carrier offers the best premiums to retired drivers? American National gets the edge, with rates for drivers 65 and older over 65% more affordable than the national average for Dairyland.

Which is the Best Company for Married Drivers?

Single drivers tend to get offered slightly more expensive car insurance prices than married drivers. That's normally because married couples tend to own and insure several vehicles, which can often earn you a discount.

For those who are single, the difference in average premiums between these two companies is significant, with American National prices coming in at around a third of Dairyland's. For married policyholders, the advantage is clear again - American National has the edge when it comes to average rates.

American National or Dairyland: Average Rates by Gender

You may not know, but insurance is generally more expensive for men than for women. This is because men are statistically more likely than women to get into accidents and get speeding tickets, which leads to increased risk for insurers and, therefore, higher prices.

On average, women see rates about $1 a month less expensive with American National, but with Dairyland, the difference is closer to $10 per month.

When it comes to the lowest premiums for each gender, American National comes out on top for both men and women, with average rates 66% less for men and 65% cheaper for women.

American National 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, auto insurance can be pretty complicated. Everyone needs insurance, but there are so many different terms and limits that it can be hard to find the right policy for you.

The two most common policies end up falling into two different types of coverage -- liability coverage (which covers the other party's property damage and injuries if you cause a collision) and full coverage (which normally refers to having collision and comprehensive coverages in addition to what you get with liability coverage).

Looking specifically at state minimum liability limits, American National has the significant edge, with average monthly premiums coming in at $52. If you want a full coverage policy with the same state minimum limits, American National again has the edge, with policies averaging around $123 a month to Dairyland's $370.

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

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

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

Which Company is Best for Drivers with Speeding Tickets?

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

But American National is usually the cheaper option for drivers both with a ticket and with a clean record, offering rates that are $158 and $181 less expensive, respectively, compared to Dairyland.

Which Company is Best for Drivers After an Accident?

American National drivers who get in an accident can expect to see their premiums climb by just under 30%, while those who have insurance through Dairyland will see about a 25% increase.

At the end of the day, drivers who use American National end up with the cheaper prices after an accident, with average prices coming in at $95 compared to Dairyland's $297.

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 speeding ticket or even a collision. American National drivers usually see a 36% increase in their car insurance rates after a DUI charge, while Dairyland will generally raise premiums by around 5%.

But if you end up with a DUI charge and are looking for more affordable prices, American National tends to be more affordable for the average driver, with monthly premiums coming in at about $104 to Dairyland's $236.

How does Credit Score Impact American National and Dairyland Rates?

Did you know many auto insurance companies take into account your credit score when determining rates? Certain states and carriers do not allow for credit score to be used as an insurance factor, but it might come into play for lots of policyholders.

Car insurance companies 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 less expensive prices.

So, which company offers the lowest premiums for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

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

How much you drive can have a big impact on your monthly auto insurance bill. Normally, those who drive fewer miles will end up with cheaper rates since there's less of a chance of causing an accident and filing 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 National, with drivers who put 6,000 miles on their car yearly paying around $9 less each month compared to those who drive 12,000 miles annually. Still, for drivers in both categories, American National is the more affordable carrier.

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

Where you call home can play a substantial role in how much you pay for insurance. Typically, those who live in rural areas will pay less than drivers in urban areas due to the small number of vehicles that are on the roads where they live.

When comparing these two carriers side-by-side, American National usually comes out as the cheapest option for drivers in all types of areas, no matter if they're urban, suburban, or rural.

For policyholders in urban ZIP codes, American National Insurance Company's average premiums are about 67% less than Dairyland. People who live in suburban areas pay around 66% less with American National compared to Dairyland. Those in rural areas can expect to save about 64% with American National compared to Dairyland.

American National vs. Dairyland Discounts

No matter why you might be in the market for a new car insurance policy, you're always going to want to save as much money as you can. That's where auto insurance discounts comes into play.

But where do you even start? With so many discounts out there, it may seem hard to find all the of the ones you're eligible for.

Luckily, we did the hard work for you and compared all of the different discounts offered by American National and Dairyland so that you can easily see which company offers the most discounts and, therefore, the largest savings.

Looking at the total number of discounts, American National comes out ahead with 14 discounts to Dairyland's 11.

There are a couple discounts both companies offer, but American National also offers discounts for claim free, COVID-19 relief, distant student, and more.

On the other hand, Dairyland has a few proprietary discounts of their own for things like advance quote discounts, agency transfer discounts, homeowner discounts, and more.

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

You've seen the effect certain variables have on your insurance and the different discounts carriers offer. But, when it comes down to it, which carrier is the right carrier for you and your specific needs?

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

• You will be the only person on the car insurance policy.
• You want the most robust protection via a "full coverage" policy.
• You're married and plan to have both of your names on the vehicle's auto insurance policy.

Dairyland might be best for you if...

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

Hopefully, this guide has ben a valuable resource as you compare American National 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 multiple companies, not just American National and Dairyland. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code below and get multiple quotes from some of the best insurance carriers in your area, all for free.

American National vs. Dairyland FAQs

Is American National or Dairyland cheaper?

American National is the cheaper of the two companies when looking at national average prices, with policies averaging $87 per month with American National and $256 for Dairyland. Even so, that doesn't mean American National will be the lowest company for everyone, since there are a variety of different factors that are considered when it comes to your auto insurance payment.

Who is better, American National or Dairyland?

Sadly, the only answer we can give you is "it depends.". No one carrier is necessarily "better" for every policyholder -- it all boils down to your unique car insurance profile.

Why do American National and Dairyland offer me different rates?

Auto insurance carriers use a lot of different variables when calculating the rates they charge. Things such as where your home is, gender, age, where you park your car, and sometimes even things like your credit score can all be taken into consideration. Both American National and Dairyland use different formulas, so it's likely they'll offer different prices. The best way to determine which company is the most affordable for you is by comparing personalized quotes from multiple different companies.

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

The only way to find the insurance carrier that's right for you is by getting quotes from a handful of carriers 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 area information and you'll get quotes from dozens of your local top car insurance companies for free. That way, you can guarantee you're getting the best rate. And maybe you'll find that the best company for you isn't American National 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.