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

Quick Facts

• In general, Cumberland Mutual offers significantly cheaper rates than Dairyland
• Cumberland Mutual offers more discounts than Dairyland
• Dairyland has less expensive prices for residents of urban areas

Cumberland Mutual vs. Dairyland: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching your auto insurance. With so many ads from all sorts of companies offering hefty discounts, you're probably wondering exactly how much you might be able to save.

You might be considering Cumberland Mutual or Dairyland, but between the two, which company has more affordable rates for auto insurance?

As you can see, Dairyland is about $63 more per month than Cumberland Mutual when looking at the national average rates for car insurance.

But Cumberland Mutual may not be the cheapest or best option for every driver out there. Insurance companies use tons of complex algorithms to calculate prices, so depending on how clean your driving record is or how old you are (among quite a few other factors), you could see wildly different premiums from the ones above.

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

Cumberland Mutual or Dairyland: Average Car Insurance Rates by State

Cumberland Mutual and Dairyland only compete against each other in one states, with Cumberland Mutual offering cheaper premiums to the average driver in all of them. Pennsylvania has the most noticable difference, where Cumberland Mutual rates are over 70% less expensive than auto insurance premiums at Dairyland.

That being said, there are plenty of other factors that go into your car insurance payment than just the state you live in. Keep reading to learn more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto insurance rates of any other group of drivers. The reason is that young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

Even so, that doesn't mean teen drivers can't still save money on their insurance. Just look at the table above -- where 18-year-old drivers who have Cumberland Mutual for their auto insurance pay nearly $75 less than those who use Dairyland.

However, with both carriers, you'll see your prices drop significantly by the time you 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, Cumberland Mutual still has the lowest rates at $196 per month.

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 premiums you'll ever see.

So, which company offers the best prices to retired drivers? Cumberland Mutual gets the edge here, with average rates coming in at around $121 a month compared to Dairyland's $203.

Which is the Best Company for Married Drivers?

Did you know that insurance premiums are normally more affordable for married drivers than they are for single drivers? This usually boils down to married couples having more than one car on their policy -- something several car insurance companies will reward with discounts.

When it comes to relationship status, Cumberland Mutual is the clear winner for those who are single, with prices about $68 a month cheaper than Dairyland, on average. The advantage for married policyholders with Cumberland Mutual is also obvious, where drivers save more than $55 per month.

Cumberland Mutual vs. Dairyland: Average Rates by Gender

Did you know women usually pay less for insurance than men? This is because men are more likely to get speeding tickets and get into accidents, which raises the chances of an insurance claim.

Women typically pay almost $10 a month less than men with Cumberland Mutual, and around $10 with Dairyland.

Looking at overall affordability, Cumberland Mutual offers the cheapest average rates for both men and women. On average, male drivers save about $64 per month and women save about $63 with Cumberland Mutual compared to the average Dairyland policyholder.

Cumberland Mutual or 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.

Auto insurance can be a complicated subject for most people. There are a range of different coverages that account for lots of different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause an accident.

The two most common policies that many drivers look at fall into two categories -- liability only (which provides bodily injury and property damage coverage for other drivers and passengers if you cause a collision) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, alongside what you get with a liability policy).

If you're looking for state minimum liability insurance, Cumberland Mutual generally offers significantly more affordable prices of $106 compared to Dairyland's $142. When it comes to full coverage policies with similar limits, Cumberland Mutual again has the edge, with policies around $90 a month less expensive than Dairyland, on average.

Is Cumberland 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.

It's no secret secret that accidents and tickets lead to higher rates, but which carrier -- Cumberland Mutual or Dairyland -- has the most affordable prices for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Cumberland Mutual policyholders can expect their premiums to go up an average of $18 per month if they get a ticket, while Dairyland typically raises rates about $40 a month, on average.

That being said, Cumberland Mutual is generally the more affordable option for both drivers who have clean records and those with a recent speeding ticket -- their rates are around 25% cheaper for drivers with clean records and 29% less expensive for those with a ticket.

Which Company is Best for Drivers After an Accident?

Cumberland Mutual drivers who get in an accident can expect to see their premiums rise by just under 10%, while those who have insurance through Dairyland will see around a 25% increase.

Overall, drivers who use Cumberland Mutual end up with the cheaper prices after an accident, with monthly prices averaging $183 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 auto insurance bill -- usually a lot more than a collision or ticket. For example, Cumberland Mutual increases average premiums by just under $65 per month -- that's over a 25% increase.

If you have a DUI on your record and are looking for more affordable rates, Cumberland Mutual tends to be the much cheaper option with average prices of $233 monthly compared to $236 from Dairyland.

How does Credit Score Impact Cumberland Mutual and Dairyland Rates?

In many cases, your credit score can be used as one of the factors to determine your monthly car insurance rates. This isn't always the case (Hawaii, for example, has banned the use of credit score as a rating factor) but it might come into play for a lot of policyholders.

The reasoning auto insurance companies use is that drivers with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper prices, while those with poor credit will normally be forced to pay more.

So, which company offers the best 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 Cumberland 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 pretty big impact on your monthly car insurance bill? That's because the more miles you drive, the more likely you are to get into an accident and cause 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 Cumberland Mutual, with policyholders who drive 6,000 miles yearly paying about $1 less each month compared to those who drive 12,000 miles every year. Still, Cumberland Mutual is the less expensive option for drivers in both categories.

Cumberland Mutual vs. Dairyland: Compare Rates for Urban, Suburban, and Rural Drivers

Where you park your car can have a substantial impact on your monthly insurance cost. Typically, if you live in a rural area with fewer cars on the road, you'll pay a little less for car insurance, while the opposite is true for people in urban areas.

When comparing these two carriers side-by-side, Cumberland Mutual generally comes out as the more affordable option for drivers in rural and suburban areas, while Dairyland wins in urban areas.

If you live in a rural area, you can expect to pay around $116 a month with Cumberland Mutual and $203 with Dairyland. Drivers in suburban ZIP codes pay about $132 with Cumberland Mutual compared to Dairyland's $251 per month. In urban areas, Dairyland's average premiums are around $314 a month compared to Cumberland Mutual's $330.

Cumberland Mutual vs. Dairyland Discounts

Regardless of why you might be in the market for a new auto insurance policy, you're always going to want to save as much money as possible, and the best way to do that is by taking advantage of as many insurance discounts as you can.

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

Below, we've taken a look at all of the different discounts Cumberland Mutual and Dairyland offer their customers 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, Cumberland Mutual comes out ahead with 15 discounts to Dairyland's 11.

There are a couple discounts both companies offer, but Cumberland Mutual also offers ABS discounts, distant student discounts, driver training discounts, and more that Dairyland does not.

On the flip side, Dairyland has a couple unique discounts of its own -- advance quote discounts, agency transfer discounts, discounts for being a homeowner, and more.

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

So, you've seen how different variables can affect your car insurance rates. We've broken down the different discounts each company offers, too. That's all well and good, but at the end of the day, which insurance carrier is the right carrier for you and your specific needs?

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

• You have below-average credit.
• You want basic auto insurance coverage at the state minimum limits.
• You're buying insurance for a teen and looking for a wallet-friendly option.

Dairyland might be best for you if...

• You live in an urban area.

We hope this guide helps you get a better idea of the difference between Cumberland Mutual and Dairyland and that you can now make a more informed 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 Cumberland Mutual and Dairyland. Luckily, Compare.com does all the hard work for you. Simply 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.

Cumberland Mutual vs. Dairyland FAQs

Is Cumberland Mutual or Dairyland cheaper?

Looking just at the national average premiums, Cumberland Mutual is the less expensive of the two carriers, offering average rates of $193 per month compared to $256 for Dairyland. However, Cumberland Mutual won't necessarily be the lowest company for everyone, since there are several different factors that come into play when it comes to your car insurance bill.

Who is better, Cumberland Mutual or Dairyland?

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

Why do Cumberland Mutual and Dairyland offer me different rates?

Auto insurance companies take a look at many different variables when calculating the rates they charge drivers. Things like your driving record, where you call home, age, gender, and sometimes even things like your credit score can all come into play. Both Cumberland Mutual and Dairyland use different formulas, so each one will most likely offer different prices. The only real way to see which company is the cheapest for you is by comparing personalized quotes from multiple different carriers.

How do I know if Cumberland Mutual 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 companies 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 free quotes from dozens of the best auto insurance carriers in your area. With those, you can guarantee you're getting the best rate. And who knows, the best company for you might not be Cumberland Mutual or Dairyland at all!

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.