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

Quick Facts

• Based on national averages for insurance, Cameron Mutual offers significantly cheaper rates than Dairyland
• Cameron Mutual offers less expensive average prices for drivers with a DUI
• Dairyland may help you save more money -- they offer more discounts than Cameron Mutual Insurance Company

Cameron Mutual or Dairyland: Which Company has the Cheapest Car Insurance?

Are you considering 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've maybe even narrowed your search down to Cameron Mutual or Dairyland as your top options, but which one will save you the most?

As you can see, Cameron Mutual is quite a bit cheaper than Dairyland, with premiums averaging $124 a month compared to $256 with Dairyland when looking at the national average rates for car insurance.

But Cameron Mutual may not be the cheapest or best option for every driver out there. Auto insurance carriers vary their rates depending on things like how clean your driving record is, how good your credit score is, where you live, how old you are, and tons of other factors. So, at the end of the day, prices from every company will differ quite a bit from person to person.

So, if you want to find out which of Cameron Mutual or Dairyland is really the best for you, keep reading to see average premiums for each carrier broken down by several different rate factors.

Cameron Mutual vs. Dairyland: Average Car Insurance Rates by State

Cameron Mutual and Dairyland only compete against each other in one states, with Cameron Mutual offering more affordable rates to the average driver in all of them. Arkansas has the most noticable difference, where Cameron Mutual premiums are $54 cheaper than insurance prices at Dairyland.

That being said, there are plenty of other factors that go into your car insurance cost than just where you live. Continue reading to learn more about how other variables will affect your rates.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- normally pay a lot for insurance compared to older drivers. That's typically because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

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 Cameron Mutual for their auto insurance pay almost 45% less than those who use Dairyland.

Even so, both companies will offer you dramatically lower prices by the time drivers turn 25. Dairyland offers the steepest reduction, with 25-year-olds paying less than half what 18-year-old drivers are charged. That being said, Cameron Mutual still has the lowest premiums at $123 monthly.

Which is the Best Company for Retired Drivers?

Drivers around retirement age generally enjoy some of the most affordable car insurance rates you'll ever see. After all, they've likely been driving for quite some time, which usually reduces their chances of collisions and other infractions that can raise prices.

When looking at Cameron Mutual and Dairyland specifically, which company is best for retired drivers? Cameron Mutual gets the edge here, with average rates coming in at around $79 a month compared to Dairyland's $203.

Which is the Best Company for Married Drivers?

Married policyholders tend to get slightly more affordable insurance premiums than single drivers. This usually boils down to married couples having more than one vehicle on their policy -- something several auto insurance carriers will reward with discounts.

For single policyholders, the difference in average rates between these two companies is significant, with Cameron Mutual prices coming in at about half of Dairyland's. The advantage is also clear for married drivers - Cameron Mutual offers the cheapest average premiums.

Cameron Mutual or Dairyland: Average Rates by Gender

Men normally pay more for car insurance than women. This is because men are statistically more likely than women to get into accidents and file an insurance claim, which leads to increased risk for insurers and, therefore, higher rates.

Normally, women see premiums nearly 10% per month less with Cameron Mutual, but with Dairyland, the difference is closer to 4% a month.

When it comes to the lowest prices for each gender, Cameron Mutual comes out as the most affordable option for both genders. On average, women save about $133 per month and men save around $130 with Cameron Mutual compared to the average Dairyland policyholder.

Cameron Mutual 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.

It's no secret that auto insurance can be a complicated subject for most people. There are many 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.

However, the 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 their passengers if you cause an accident) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to what you get with liability).

Looking specifically at state minimum liability insurance, Cameron Mutual has the significant edge, with average monthly rates coming in at $53. If you want a full coverage policy with the same state minimum limits, Cameron Mutual again has the edge, with policies averaging about $195 a month to Dairyland's $370.

Is Cameron Mutual or Dairyland Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from insurance carriers 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 at-fault collisions and speeding tickets on your record, but which of these two companies offers the lowest prices to drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders with Cameron Mutual car insurance policies don't report seeing their premiums increase after getting a ticket, but Dairyland policyholders can expect to see their monthly bill increase by.

That being said, Cameron Mutual is generally the less expensive option for both drivers who have a recent speeding ticket and those with clean records. Drivers with a clean record can save around 51% per month with Cameron Mutual Insurance Company, and the same can be said for those with a ticket, too.

Which Company is Best for Drivers After an Accident?

Cameron Mutual drivers who get in a collision can expect to see their prices increase by just under $15, while those who have insurance through Dairyland will see about a $70 increase.

At the end of the day, Cameron Mutual offers the most affordable rates for drivers with an at-fault collision on their records, with average premiums coming in at $124 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 insurance bill -- typically a lot more than an accident or speeding ticket. Cameron Mutual drivers usually see a 28% increase in their auto insurance prices after a DUI charge, while Dairyland will usually raise rates by around 5%.

But if you end up with a DUI charge and are looking for more affordable prices, Cameron Mutual tends to be cheaper for the average driver, with monthly premiums coming in at about $152 to Dairyland's $236.

How does Credit Score Impact Cameron Mutual and Dairyland Rates?

You may not realized it, but your credit score can be used as one of the factors to determine your monthly car insurance premiums. This isn't true for everyone (Hawaii, for example, has banned the use of credit score as an insurance factor) but it might come into play for quite a few policyholders.

Insurance carriers argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, drivers with bad credit will often be forced to pay more.

So, which carrier offers the cheapest rates for policyholders with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have great credit, Cameron Mutual will typically reward you the most. For drivers with "excellent" credit scores, Cameron Mutual comes in more than 61.99 more affordable. Drivers with "good" credit scores normally save around 56% with Cameron Mutual compared to average prices from Dairyland.

Which Company is Best for Drivers with Bad Credit?

Cameron Mutual typically offers lower premiums than Dairyland when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay about 52% a month less with Cameron Mutual compared to Dairyland, and those with "poor" scores usually save an average of around 40% per month.

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

Did you know that the amount of time you spend in your car have a sizable impact on your monthly rates? Generally, those who drive fewer miles will end up with less expensive premiums since there's less of a chance of causing a collision and filing an insurance claim.

In this case, neither Cameron Mutual or Dairyland report increasing prices for drivers with higher annual mileage figures. Even so, Cameron Mutual comes out as the lowest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their car yearly, with average rates of $124 per month for both.

Cameron Mutual or 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 car insurance, but the type of area you live in can have a large impact as well. Usually, if you live in an urban area with more cars on the road, you'll pay a little more for auto insurance, while the opposite is true for people in rural areas.

Cameron Mutual boasts the most affordable average prices for drivers in every type of area, no matter if it's urban, suburban, or rural.

Those in rural areas can expect to pay about $116 monthly with Cameron Mutual compared to Dairyland's $203. Drivers in suburban ZIP codes pay a monthly rate of around $122 with Cameron Mutual compared to $251 with Dairyland. For drivers in urban ZIP codes, Cameron Mutual's average premiums are about $134 while Dairyland offers rates around $314.

Cameron Mutual 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, and the best way to do that is by taking advantage of as many insurance discounts as possible.

But with what seems like a million different discounts out there, it can be hard to nail down the company that has the most discounts for your unique driver profile and to find all the discounts you can take advantage of.

Luckily, we did the hard work for you and compared all of the different discounts offered by Cameron Mutual and Dairyland so that you can see which carrier offers the most discounts and see which ones you might be able to take advantage of.

Overall, Dairyland has the advantage when it comes to total number of discounts. Cameron Mutual offers a grand total of six discounts, while Dairyland has 11.

Both companies offer several of the same discounts -- like discounts for being a defensive driver, discounts for being a good student, and passive restraint discounts -- but Dairyland also offers discounts for advance quote, agency transfer, anti-theft, and more.

On the other hand, Cameron Mutual has a few proprietary discounts of their own for things like education discounts, renewal discounts, and umbrella policy discounts.

Final Thoughts: Is Cameron Mutual or Dairyland Best for You?

You've seen the role certain variables have on your auto insurance and the different discounts carriers offer. That's all well and good, but when it comes down to it, which insurance carrier is the best company for you and your specific driver profile?

Cameron Mutual might be best for you if....

• You want to save money on your car insurance after an accident.
• Your home is located in the suburbs.
• You're of retirement age and want to take advantage of lower prices.

Dairyland might be best for you if...

• You're looking for discounts -- Dairyland has the most.

Hopefully, this guide has ben a valuable resource as you compare Cameron Mutual and Dairyland and that you can now make a more informed decision when it comes to your auto 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 companies, not just Cameron Mutual and Dairyland. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP codes below and get multiple free quotes from some of the best car insurance carriers in your area, all in just a few minutes.

Cameron Mutual vs. Dairyland FAQs

Is Cameron Mutual or Dairyland cheaper?

Cameron Mutual is the more affordable of the two companies when looking at national average rates, with policies averaging $124 a month with Cameron Mutual and $256 for Dairyland. Even so, that doesn't mean Cameron Mutual will be the cheapest company for everyone, since there are a range of different factors (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Cameron Mutual or Dairyland?

Sadly, the real answer is "it depends.". No one carrier is necessarily "better" for everyone -- it all depends on what your unique auto insurance profile looks like.

Why do Cameron Mutual and Dairyland offer me different rates?

Insurance carriers use a lot of different variables when determining the premiums they charge. Things like where your home is, where you park your vehicle, gender, age, and sometimes even things like your credit score can all come into play. Both Cameron Mutual and Dairyland calculate rates using different factors, 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 a bunch of different companies.

How do I know if Cameron Mutual 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 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 ZIP code and you'll get quotes from dozens of your local top insurance companies for free. That way, you can guarantee you're getting the lowest premium. And maybe you'll find that the best company for you isn't Cameron Mutual 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.