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

If you're in the market for a new insurance policy, you might be wondering how Dairyland and Bristol West compare when it comes to the lowest premiums and biggest discounts. To find out which of these companies is the best fit for you and your wallet, check out our newest guide below.
Newly insured car driving down the road
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Quick Facts

  • In general, Dairyland offers significantly more affordable prices than Bristol West
  • Bristol West may help you save more money -- they offer more discounts than Dairyland
  • Dairyland has cheaper rates for drivers with a DUI

Bristol West or Dairyland: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? After all, you've seen ads from all sorts of companies offering big savings. But exactly how much can you save by switching?

You might have narrowed it down to Bristol West or Dairyland for your next policy, but which company will save you the most?

Bristol West Dairyland

As you can see, Dairyland is quite a bit cheaper than Bristol West, with premiums averaging $256 a month compared to $412 with Bristol West when looking at the national average rates for auto insurance.

That being said, Dairyland may not be the most affordable or best option for each driver out there. Car insurance carriers vary their rates depending on things like how old you are, how good your credit score is, how clean your driving record is, where you live, and tons of other factors, so prices could change drastically from person to person.

Luckily, we've broken down average rates from both Bristol West and Dairyland by many different rate factors, so read on to find out which carrier is the best for you.

Bristol West vs. Dairyland: Average Car Insurance Rates by State

State Bristol West Dairyland

Bristol West and Dairyland only compete against each other in two states, with Dairyland offering less expensive premiums to the average driver in all of them. Nevada has the most noticable difference, where Dairyland prices are $255 cheaper than insurance rates at Bristol West.

But there's more to auto insurance than just your home state. As we mentioned above, there's a lot of things that go into how car insurance companies determine your premiums. Continue reading to learn more about how other variables will affect your rates.

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Which is the Best Company For Young Drivers?

Bristol West Dairyland
18-year-old drivers$785$524
25-year-old drivers$357$232

Teen drivers will almost always have the most expensive auto insurance prices of any other group of drivers out there on the road. It's because teen drivers are statistically much more likely to get into an accident that results in a car insurance claim, making them much riskier to insure.

But still, even with seemingly sky-high rates, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Dairyland for their insurance pay over 35% less than those who use Bristol West.

But both carriers will offer you dramatically lower prices once you turn 25. For example, average premiums for Bristol West policyholders reduce around $450 and Dairyland's rates lower almost $300 over that time.

Which is the Best Company for Retired Drivers?

Bristol West Dairyland
65+-year-old drivers$364$203

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

When looking at Bristol West and Dairyland specifically, which company is best for retired drivers? Dairyland gets the edge, with rates for drivers 65 and older $161 more affordable than the national average for Bristol West.

Which is the Best Company for Married Drivers?

Bristol West Dairyland

Did you know that car insurance premiums are generally less expensive for married drivers than they are for single drivers? That's typically because married policyholders tend to own and insure several vehicles, which can often earn you a discount.

For those who are single, the difference in average prices between these two companies is significant, with Dairyland premiums coming in at a third less than Bristol West's. For married couples, the advantage is clear again - Dairyland has the edge when it comes to average rates.

Bristol West or Dairyland: Average Rates by Gender

Bristol West Dairyland

Because women are less likely to get into accidents and get speeding tickets, they run a lower risk of filing a claim with insurance. So, women normally pay less for insurance than men.

Surprisingly, with Bristol West, men usuallypay about $1 per month less than women, but with Dairyland, the difference is closer to $10 a month.

When it comes to the lowest prices for each gender, Dairyland offers the cheapest average premiums for both men and women, with average prices $150 less for men and $161 cheaper for women.

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Bristol West vs. Dairyland: Compare State Minimum vs. Full Coverage Rates

Bristol West Dairyland
State Minimum*$279$142
Full Coverage**$544$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.

It's no secret that auto insurance can be pretty complicated. There are several different coverages that account for a bunch 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 covers the other party's property damage and injuries if you cause an accident) and full coverage (which typically refers to having collision and comprehensive coverages alongside liability).

Looking specifically at state minimum liability insurance, Dairyland has the significant edge, with average monthly rates coming in at $142. If you want a full coverage policy with the same state minimum limits, Dairyland again has the edge, with policies averaging around $370 per month to Bristol West's $544.

Is Bristol West 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.

You'll probably end up paying more with speeding tickets and accidents on your record, but which of these two carriers offers the most affordable premiums to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Bristol West Dairyland
Clean Record$339$225
1 Speeding Ticket$439$265

Policyholders who use Bristol West for their car insurance can generally expect their monthly bill to go up about 23% after getting a speeding ticket. Dairyland policyholders can expect a less drastic increase of around 15%.

Even so, Dairyland tends to offer the best prices for drivers both with a ticket and with a clean record. With Dairyland, drivers with a clean record can save about $114 a month and drivers with a speeding ticket can save around $174 per month.

Which Company is Best for Drivers After an Accident?

Bristol West Dairyland
Clean Record$339$225
1 At-Fault Accident$479$297

Bristol West drivers who get in a collision can expect to see their rates rise by just under $150, while those who have insurance through Dairyland will see about a $70 increase.

At the end of the day, the cheaper prices come from Dairyland, with average rates coming in at $297 compared to Bristol West's $479.

Which Company is Best for Drivers with a DUI?

Bristol West Dairyland
Clean Record$339$225
1 DUI$390$236

If you get a DUI charge, you can expect some pretty significant increases in your monthly auto insurance bill -- typically a lot more than an accident or ticket. For example, Bristol West increases average premiums by more than $50 a month -- that's nearly a 15% increase.

But if you end up with a DUI charge and are looking for more affordable prices, Dairyland tends to be more affordable for the average driver, with monthly premiums coming in at around $236 to Bristol West's $390.

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How does Credit Score Impact Bristol West and Dairyland Rates?

Did you know many car 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 several policyholders.

Insurance companies argue that those with poor credit scores are less likely to pay their bills on time every month, which raises the risk involved on their end, while the opposite is true for those with good credit.

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

Which Company is Best for Drivers with Good Credit?

Bristol West Dairyland
Excellent Credit Score$342$221
Good Credit Score$380$244

Which Company is Best for Drivers with Bad Credit?

Bristol West Dairyland
Fair Credit Score$413$260
Poor Credit Score$556$299

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

Bristol West Dairyland
6,000 Annual Miles$410$256
12,000 Annual Miles$413$256

The amount of time you spend behind the wheel of your car plays a big role in your monthly car insurance payment. That's because the fewer miles you put on your car each year, 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 prices for Bristol West, with drivers who put 6,000 miles on their vehicle each year paying about $3 less every month compared to those who drive 12,000 miles annually. Still, for drivers in both categories, Dairyland is the less expensive company.

Bristol West or Dairyland: Compare Rates for Urban, Suburban, and Rural Drivers

Where you park your car can have a substantial impact on your monthly auto insurance bill. Generally, 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.

Bristol West Dairyland
Urban Areas$539$314
Suburban Areas$386$251
Rural Areas$309$203

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

For policyholders in urban ZIP codes, Dairyland's average rates are around $225 less than Bristol West. People who live in suburban areas pay about $135 less with Dairyland compared to Bristol West. Those in rural areas can expect to save around $106 with Dairyland compared to Bristol West.

Bristol West 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.

The difficult 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 Bristol West and Dairyland offer their customers so that you can see which carrier can save you the most money each month.

Bristol West Dairyland
ABS Discount 
Advance Quote Discount
Agency Transfer Discount 
Anti-Theft Discount
Continuous Insurance Discount 
Defensive Driver Discount
Distant Student Discount 
EFT Discount 
Good Driving Discount 
Good Student Discount 
Homeowner Discount
Minor Child Discount 
Mobile Home Policy Discount 
Multi-Car Discount
Multi-Policy Discount 
Paid In Full Discount
Paperless Discount 
Passive Restraint Discount
Pay Plan Discount 
Prior Carrier Discount 

Bristol West blows Dairyland away when it comes to the sheer amount of discounts available, offering 18 different discounts to Dairyland's 11.

There are a couple discounts both companies offer, but Bristol West also offers discounts for ABS, continuous insurance, distant student, and more.

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

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Final Thoughts: Is Bristol West or Dairyland Best for You?

So, you've seen how different factors can affect your insurance prices. We've broken down the different discounts each company offers, too. But, at the end of the day, which carrier is the best one for you, your vehicle, and your wallet?

Dairyland might be best for you if....

  • Your credit is less-than-stellar.
  • You're looking for the best premiums on liability only coverage.
  • You're of retirement age and want to take advantage of lower rates.

Bristol West might be best for you if...

  • You care about discounts (Bristol West offers the most).

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

At the end of the day, the best way to make sure you're getting the best deal on your insurance policy is to compare quotes from several carriers, not just Bristol West and Dairyland. Luckily, sites like do all the hard work for you. Just 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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Bristol West vs. Dairyland FAQs

Is Bristol West or Dairyland cheaper?

Dairyland is the cheaper of the two carriers when looking at national average prices, with policies averaging $256 per month with Dairyland and $412 for Bristol West. However, that doesn't mean Dairyland will be the lowest company for everyone, since there are lots of different variables (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Bristol West or Dairyland?

Sadly, the only answer we can give you is "it depends.". One carrier is not "better" for everyone -- it all boils down to your unique car insurance profile.

Why do Bristol West and Dairyland offer me different rates?

Insurance companies use many different factors when calculating the premiums they charge. Things such as age, your driving record, where your home is, gender, and sometimes even things like your credit score can all come into play. Both Bristol West and Dairyland calculate rates differently, so it's likely they'll offer different premiums. The best way to determine which company is the most affordable for you is by comparing personalized quotes from a range of different carriers.

How do I know if Bristol West 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 multiple companies and finding the one best suited for your individual budget. Luckily, makes it easy for you to do just that. Just enter your ZIP code and you'll get quotes from dozens of your local top car insurance carriers for free. With those, you can guarantee you're getting the best premium. And maybe you'll find that the best company for you isn't Bristol West or Dairyland at all, but another you hadn't even thought of!


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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