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

Quick Facts

• Looking at the national averages for car insurance, Country Financial offers significantly less expensive premiums than Dairyland
• Country Financial has cheaper rates for policyholders who drive fewer than 6,000 miles yearly
• Dairyland may help you save more money -- they offer more discounts than COUNTRY Financial

Country Financial or Dairyland: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? With so many ads from all sorts of companies offering hefty savings, you're probably wondering exactly how much you might be able to save.

You might have narrowed it down to Country Financial or Dairyland, but which one will save you the most?

Looking at the national average rates for both carriers, Dairyland is quite a bit more expensive than Country Financial, with prices averaging $256 a month compared to just $138 with Country Financial.

Even so, that doesn't necessarily mean Country Financial will be the more affordable option for every single driver. After all, insurance companies can offer drastically different rates to every driver depending on rating factors like your credit score, where you call home, your age, or even your driving record (among other things). So, at the end of the day, premiums from each carrier will differ quite a bit from person to person.

Wanting to know if Country Financial or Dairyland is really the right company for you? Keep on reading to see how average rates can change based on all of the factors we've mentioned above.

Country Financial vs. Dairyland: Average Car Insurance Rates by State

Country Financial and Dairyland only compete against each other in two states, with Country Financial offering cheaper premiums to the average driver in all of them. Nevada has the most noticable difference, where Country Financial prices are $178 less expensive than car insurance rates at Dairyland.

There's a lot more that goes into your auto insurance cost than just your home state. Continue reading to see how other variables will affect your rates.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- usually pay a lot for insurance compared to older drivers. The reason is that teen drivers are statistically much more likely to get into an accident that results in an insurance claim, making them much riskier to insure.

However, that doesn't mean that teen drivers have to just accept sky-high auto insurance prices. As you can see above, teens who use Country Financial save over 50% per month compared to those who use Dairyland.

But both carriers will reduce premiums by the time you turn 25. For example, average rates for Country Financial policyholders drop around $100 and Dairyland's premiums lower about $300 over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll generally enjoy the lowest car insurance prices out there. You've been on the road for years, and all that experience pays off when it comes to your monthly rates for insurance.

But who has the best prices for retired drivers between Country Financial and Dairyland? Country Financial gets the edge, with rates for drivers 65 and older almost 50% more affordable than the national average for Dairyland.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance premiums tend to be less expensive for married drivers than they are for single policyholders. This usually boils down to married policyholders having more than one vehicle on their policy -- something many auto insurance companies will reward with discounts.

For single drivers, the difference in average prices between these two carriers is significant, with Country Financial premiums coming in at around half of Dairyland's. The advantage is also clear for married couples - Country Financial offers the cheapest average rates.

Country Financial or Dairyland: Average Rates by Gender

Men are statistically more likely than women to get pulled over for speeding or get into a collision, which means they'll normally end up paying more for insurance than women.

Men typically pay about $3 a month more than women with Country Financial, and around $10 with Dairyland.

Looking at the data for each carrier specifically, Country Financial comes out as the lowest option for both genders. On average, male drivers save about $121 per month and women save about $114 with Country Financial compared to the average Dairyland policyholder.

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

That being said, most policies end up falling into two different types of coverage -- liability coverage (which covers the other party's injuries and property damage if you cause an accident) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to what you get with liability coverage).

Looking specifically at state minimum limits for liability insurance, Country Financial has the significant edge, with average monthly prices coming in at $82. If you want a full coverage policy with the same state minimum limits, Country Financial again has the edge, with policies averaging around $194 a month to Dairyland's $370.

Is Country Financial 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.

Speeding tickets and at-fault collisions will most likely raise your rates, but is Country Financial or Dairyland more affordable for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Country Financial for their auto 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, Country Financial has cheaper premiums for drivers in both categories. With COUNTRY Financial, drivers with a clean record can save about $120 per month and drivers with a ticket can save around $129 a month.

Which Company is Best for Drivers After an Accident?

Both companies will raise prices pretty significantly if you get into an at-fault collision with Dairyland raising by about 24%. Country Financial has a less extreme climb, but you can still expect to pay nearly 30% more than you were prior to your first accident.

At the end of the day, Country Financial offers the most affordable rates for drivers with an at-fault collision on their records, with average premiums coming in at $147 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. For example, Country Financial increases average prices by $60 per month -- that's more than a 35% increase.

But if you end up with a DUI charge and are looking for more affordable premiums, Country Financial tends to be less expensive for the average driver, with monthly premiums coming in at around $165 to Dairyland's $236.

How does Credit Score Impact Country Financial and Dairyland Rates?

In many cases, your credit score can come into play when carriers determine your monthly bill. This isn't true for everyone (California, for example, has banned the use of credit score as a car insurance factor) but it will come into play for lots of drivers.

Car 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.

Looking specifically at Dairyland and Country Financial, which carrier has the best rates for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, Country Financial will normally reward you the most. For drivers with "excellent" credit scores, Country Financial comes in just under 47.51 more affordable. Drivers with "good" credit scores usually save about 50% with Country Financial compared to average prices from Dairyland.

Which Company is Best for Drivers with Bad Credit?

Country Financial typically offers lower rates than Dairyland when it comes to drivers with bad credit. Drivers with "fair" credit pay around 51% a month less with Country Financial compared to Dairyland, and those with "poor" scores typically save an average of about 37% a month.

Is Country Financial 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 pretty big impact on your monthly premiums? Generally, those who drive less 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 prices for Country Financial, with drivers who put 6,000 miles on their car each year paying around $2 less every month compared to those who drive 12,000 miles annually. Still, for drivers in both categories, Country Financial is the more affordable company.

Country Financial 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 insurance, but the type of area you live in can have a substantial impact as well. Typically, policyholders who live in less densely populated rural areas will pay quite a bit less than urban drivers since there are a lot fewer vehicles on the roads where they live.

Country Financial tends to offer the most affordable premiums for drivers in all areas, regardless of if they're urban, suburban, or rural.

For policyholders in urban ZIP codes, COUNTRY Financial's average rates are about 44% less than Dairyland. People who live in suburban areas pay around 48% less with Country Financial compared to Dairyland. Those in rural areas can expect to save about 46% with Country Financial compared to Dairyland.

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

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

Overall, Dairyland comes out ahead with 11 discounts to Country Financial's 10.

A couple of those are overlapping for things like anti-theft discounts, discounts for being a good student, and passive restraint discounts. Dairyland also offers discounts for advance quote, agency transfer, homeowner, and more.

On the other hand, Country Financial has a few proprietary discounts of their own for things like driver training discounts, group discounts, multi-policy discounts, and more.

Final Thoughts: Is Country Financial or Dairyland Best for You?

You've seen the role certain factors have on your car insurance and the different discounts carriers offer. But, when it comes down to it, which insurance carrier is the best company for you and your specific needs?

Country Financial might be best for you if....

• You have received a ticket within the last few years.
• Your home is located in the suburbs.
• You want to save money while purchasing insurance for a teenager.

Dairyland might be best for you if...

• You want to save extra money with discounts.

Hopefully, this guide has ben a valuable resource as you compare Country Financial 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 a handful of companies, not just Country Financial 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 quotes from some of the best auto insurance carriers in your area, all for free.

Country Financial vs. Dairyland FAQs

Is Country Financial or Dairyland cheaper?

Country Financial is the less expensive of the two companies when looking at national average prices, with policies averaging $138 per month with Country Financial and $256 for Dairyland. That being said, that doesn't mean Country Financial will be the lowest company for each policyholder, since there are a range of different variables that are considered when it comes to your car insurance payment.

Who is better, Country Financial or Dairyland?

Sadly, the real answer is "it depends.". No single carrier is "better" for everyone -- it all comes down to what your unique insurance profile looks like.

Why do Country Financial and Dairyland offer me different rates?

Auto insurance carriers use several different factors when determining the premiums they charge. Things such as your driving record, age, gender, where you park your car, and sometimes even things like your credit score can all be used. Both Country Financial and Dairyland use different formulas, so it's likely they'll offer different rates. The best way to determine which company is the cheapest for you is by comparing personalized quotes from a variety of different companies.

How do I know if Country Financial or Dairyland is right for me?

The only way to find the car 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 area information and you'll get quotes from dozens of your local top auto insurance companies for free. That way, you can guarantee you're getting the best price. And maybe you'll find that the best company for you isn't Country Financial 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.