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

Quick Facts

• In general, Cig offers significantly more affordable prices than Dairyland
• Cig tends to be a much cheaper option for policyholders who are looking to purchase insurance with a spouse
• Cig has less expensive premiums for drivers with a DUI

Cig or Dairyland: Which Company has the Cheapest Car Insurance?

So, you're considering switching to a new insurance policy. After all, you've seen ads from all sorts of companies offering hefty savings. But exactly how much can you save by switching?

You've maybe even narrowed your search down to Cig or Dairyland, but which one will offer you more affordable rates?

Looking at the national average rates for both carriers, Cig has average rates that are around 55% a month less expensive than those from Dairyland.

However, Cig may not be the cheapest or best option for every driver out there. Insurance companies vary their prices depending on things like how good your credit score is, how clean your driving record is, where you live, how old you are, and a variety of other factors, so premiums could change drastically from person to person.

So, if you want to find out which of Cig or Dairyland is really the best for you, keep reading to see average prices for each company broken down by lots of different rate factors.

Cig vs. Dairyland: Average Car Insurance Rates by State

Cig and Dairyland only compete against each other in one states, with Cig offering cheaper rates to the average driver in all of them. Oregon has the most noticable difference, where Cig premiums are $139 more affordable than auto insurance rates at Dairyland.

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

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto insurance prices of any other group of drivers. 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 Cig for their insurance pay almost 55% less than those who use Dairyland.

That being said, with both companies, you'll see your premiums reduce significantly by the time drivers turn 25. For example, average prices for Cig policyholders lower about $100 and Dairyland's premiums decrease around $300 over that time.

Which is the Best Company for Retired Drivers?

When it comes to car insurance, patience and experience pay off, with drivers around retirement age paying some of the most affordable rates you can find.

So, which carrier offers the best prices to retired drivers? Cig gets the edge here, with average premiums coming in at about $86 per month compared to Dairyland's $203.

Which is the Best Company for Married Drivers?

Did you know that auto insurance prices are usually less expensive for married drivers than they are for single policyholders? That's because policies for married couples normally cover multiple vehicles, which a lot of carriers will give you a discount for.

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

Cig or Dairyland: Average Rates by Gender

You may not know, but men typically pay more for car insurance than women do. That's because women are less likely to get speeding tickets and get into accidents, which lowers the chances of filing a claim with insurance.

Usually, men see rates about 3% per month higher with Cig, and around 4% more with Dairyland.

When it comes to the cheapest prices for each gender, Cig comes out as the most affordable option for both genders, with average rates $140 less for men and $134 cheaper for women.

Cig 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 pretty complicated. There are a range of different coverages that account for multiple 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.

But most policies that drivers look at fall into two categories -- liability coverage (which covers the other party's injuries and property damage if you cause an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to liability).

Looking specifically at state minimum liability limits, Cig has the significant edge, with average monthly premiums coming in at $71. If you want a full coverage policy with the same state minimum limits, Cig again has the edge, with policies averaging about $166 a month to Dairyland's $370.

Is Cig 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 collisions lead to higher rates, but which company -- Cig or Dairyland -- has the lowest premiums for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Cig for their car insurance can generally expect their monthly bill to go up around 21% after getting a speeding ticket. Dairyland policyholders can expect a less drastic increase of about 15%.

Even so, Cig has cheaper prices for drivers in both categories -- their rates are around 61% less expensive for drivers with clean records and 58% cheaper for those with a ticket.

Which Company is Best for Drivers After an Accident?

Cig drivers who get in a collision can expect to see their rates increase by $30, while those who have insurance through Dairyland will see around a $70 increase.

At the end of the day, the more affordable prices come from Cig, with average premiums coming in at $118 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 ticket or even an accident. Cig drivers usually see a 44% raise in their auto insurance rates after a DUI charge, while Dairyland will usually climb prices by about 5%.

But if you end up with a DUI charge and are looking for more affordable premiums, Cig tends to be cheaper for the average driver, with monthly premiums coming in at around $157 to Dairyland's $236.

How does Credit Score Impact Cig and Dairyland Rates?

Did you know many insurance carriers take your credit score into account when determining rates? This isn't true for everyone (Hawaii, for example, has banned the use of credit score as an auto insurance factor) but it might come into play for several policyholders.

Auto insurance companies 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 Cig and Dairyland, which company has the most affordable prices 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 Cig 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 car insurance bill. That's because the more milage you drive, the more 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 Cig, with policyholders who drive the least paying about $12 less each month compared to those who drive 12,000 miles annually. Still, for drivers in both categories, Cig is the more affordable carrier.

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

Where your home is can have a considerable impact on your monthly insurance payment. Generally, those who live in rural areas will pay less than policyholders in urban areas since there are a lot fewer vehicles on the road where they live, which reduces the chances of an accident.

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

For drivers in urban ZIP codes, CIG Insurance's average prices are around $186 less than Dairyland. People who live in suburban areas pay about $128 less with Cig compared to Dairyland. Those in rural areas can expect to save around $97 with Cig compared to Dairyland.

Cig vs. Dairyland Discounts

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

The challenging part is finding all of the discounts you qualify for, since it can feel sometimes like every company 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 Cig and Dairyland offer their customers so that you can find the carrier that has the most discounts and, therefore, the largest savings.

Cig blows Dairyland away when it comes to the sheer amount of discounts available, offering 14 more discounts than Dairyland.

Both companies offer many of the same discounts -- like discounts for being a defensive driver, discounts for being a good student, and paid in full discounts -- but Cig also offers discounts for ABS, company car, distant student, and more.

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

Final Thoughts: Is Cig or Dairyland Best for You?

So, we've broken down the average rates for many of the factors insurance carriers look at, and we've shown you all the discounts each carrier offers. But, at the end of the day, which company is the best one for you and your specific driver profile?

Cig might be best for you if....

• Your credit is below-average.
• You're looking for the carrier with the most discounts.
• You live in a rural neighborhood.

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 Cig and Dairyland. We also hope we've given you the information you need to make the best decision about your car insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on auto insurance -- comparing quotes from several companies, not just Cig and Dairyland. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP codes below and get multiple free quotes from some of the best insurance carriers in your area, all in just a few minutes.

Cig vs. Dairyland FAQs

Is Cig or Dairyland cheaper?

Cig is the less expensive of the two companies when looking at national average premiums, with policies averaging $119 per month with Cig and $256 for Dairyland. But that doesn't mean Cig will be the lowest company for every policyholder, since there are a bunch of different variables that are considered when it comes to your car insurance cost.

Who is better, Cig or Dairyland?

Sadly, the answer truly is "it depends.". One carrier is not "better" for everyone -- it all depends on the makeup of your unique insurance profile.

Why do Cig and Dairyland offer me different rates?

Car insurance carriers use lots of different factors when calculating the rates they charge. Variables like your driving record, age, where you call home, gender, and sometimes even things like your credit score can all come into play. Both Cig and Dairyland calculate premiums using 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 companies.

How do I know if Cig 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, 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 car insurance companies for free. That way, you can guarantee you're getting the lowest rate. And maybe you'll find that the best company for you isn't Cig 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.