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

Want to know if Dairyland or Electric is the better choice for car insurance? You're probably wondering which company offers the best rates or the most discounts. Check out our latest guide below to find out which of these two companies is the best for you.
Newly insured car driving down the road
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Quick Facts

  • In general, Dairyland offers slightly cheaper premiums than Electric
  • Dairyland tends to be a much more affordable option for drivers who have less-than-stellar credit
  • Electric has less expensive prices for residents of urban areas


Dairyland vs. Electric: 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 discounts, but exactly how much money can you save by switching?

You might have narrowed your search down to Dairyland or Electric as potential options, but which company will offer you more affordable premiums?

Dairyland Electric
$256$266

As you can see, Dairyland is about $10 per month less expensive than Electric when looking at the national average rates for auto insurance.

That being said, that doesn't mean Dairyland will necessarily be cheaper than Electric for every driver. Insurance companies use a variety of complex algorithms to calculate prices, so depending on how clean your driving record is or how good your credit score is (among quite a few other factors), you could see wildly different rates from the ones above.

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

Dairyland or Electric: Average Car Insurance Rates by State

State Dairyland Electric
KS$201$221

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

There's a lot more that goes into your auto insurance bill than just the state you live in. Continue reading to learn more about how other factors will affect your rates.


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Which is the Best Company For Young Drivers?

Dairyland Electric
18-year-old drivers$524$589
25-year-old drivers$232$274

Teen drivers will almost always have the most expensive car insurance rates of any other group of drivers. It's because young, inexperienced 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 premiums, teen drivers can still find ways to save money. As you can see above, teens who use Dairyland save $65 a month compared to those who use Electric.

Even so, both carriers will offer you dramatically lower prices once you turn 25. Electric offers the steepest reduction, with 25-year-olds paying less than half what 18-year-old drivers are charged. That being said, Dairyland still has the cheapest rates at $232 per month.

Which is the Best Company for Retired Drivers?

Dairyland Electric
65+-year-old drivers$203$178

Once you approach retirement age, you'll normally enjoy the lowest insurance premiums you can find. You've been on the road for years, and all that experience pays off when it comes to your monthly rates for auto insurance.

So, which company offers the best prices to retired drivers? Electric gets the edge here, with average premiums coming in at around $178 a month compared to Dairyland's $203.

Which is the Best Company for Married Drivers?

Dairyland Electric
Single$296$313
Married$202$204

Did you know that car insurance rates are typically more expensive for single drivers than they are for married couples? This usually boils down to married drivers having multiple cars on their policy -- something lots of auto insurance companies will reward with discounts.

If you're in the market for insurance, Dairyland tends to have the most affordable average premiums regardless of relationship status, with prices about 5% more affordable for those who are single and around 1% less expensive for married policyholders.

Dairyland vs. Electric: Average Rates by Gender

Dairyland Electric
Male$261$276
Female$251$257

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

With Dairyland, women generally pay about 4% per month less than men, while with Electric, the difference is closer to 7% a month.

When it comes to the lowest prices for each gender, Dairyland comes out as the cheapest option for both genders. On average, women save about $6 per month and men save around $15 with Dairyland compared to the average Electric policyholder.


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Dairyland or Electric: Compare State Minimum vs. Full Coverage Rates

Dairyland Electric
State Minimum*$142$150
Full Coverage**$370$383

*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.

For most people, car insurance can be pretty complicated. There are a variety of different coverages that account for multiple 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.

But the most common policies that many drivers look at fall into two categories -- liability only (which provides property damage and bodily injury coverage for other drivers if you cause a collision) and full coverage (which usually refers to having comprehensive and collision coverages in addition to liability).

If you're looking for state minimum liability limits, Dairyland typically offers slightly cheaper premiums of $142 compared to Electric's $150. When it comes to full coverage policies with similar limits, Dairyland again has the edge, with policies about $15 a month more affordable than Electric, on average.

Is Dairyland or Electric Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

At-fault accidents and tickets will most likely raise your rates, but is Dairyland or Electric less expensive for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Dairyland Electric
Clean Record$225$208
1 Speeding Ticket$265$237

Dairyland policyholders can expect their prices to go up an average of $40 per month if they get a ticket, while Electric generally raises rates around $29 a month, on average.

However, Electric is usually the cheaper option for both drivers who have clean records and those with a recent speeding ticket. Drivers with a clean record can save about $17 per month and drivers with a ticket can save around $28 a month with Electric Insurance Company.

Which Company is Best for Drivers After an Accident?

Dairyland Electric
Clean Record$225$208
1 At-Fault Accident$297$236

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

Overall, Electric offers the most affordable prices for drivers with an at-fault accident on their records, with monthly rates averaging $236 compared to Dairyland's $297.

Which Company is Best for Drivers with a DUI?

Dairyland Electric
Clean Record$225$208
1 DUI$236$385

If you get a DUI charge, you can expect some pretty significant increases in your monthly car insurance bill -- normally a lot more than a collision or speeding ticket. Electric drivers usually see a 46% increase in their auto insurance premiums after a DUI charge, while Dairyland will generally raise prices by around 5%.

If you have a DUI on your record and are looking for more affordable rates, Dairyland tends to be the much more affordable option with average premiums of $236 monthly compared to $385 from Electric.


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How does Credit Score Impact Dairyland and Electric Rates?

You may not have known, but your credit score can come into play when carriers determine your monthly bill. This isn't always the case (for example, Hawaii and Massachusetts are two states that ban the practice entirely), but it will come into play for many policyholders.

Insurance companies 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.

Looking specifically at Electric and Dairyland, which carrier has the best prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Dairyland Electric
Excellent Credit Score$221$158
Good Credit Score$244$213

If you have solid credit, you'll usually find a better deal with Electric. Drivers with "excellent" credit can save just under 30% compared to Dairyland, and those with "good" scores can also expect to see savings -- about $31 or 13% cheaper each month.

Which Company is Best for Drivers with Bad Credit?

Dairyland Electric
Fair Credit Score$260$267
Poor Credit Score$299$428

Dairyland typically offers lower rates than Electric when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay around $7 per month less with Dairyland compared to Electric, and those with "poor" scores typically save an average of about $129 per month.


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

Dairyland Electric
6,000 Annual Miles$256$250
12,000 Annual Miles$256$283

How much you drive can have a big impact on your monthly car insurance payment. Normally, the more miles you drive, the more you can expect to pay for coverage.

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 pretty significant difference in monthly premiums for Electric, with drivers who put 6,000 miles on their vehicle yearly paying around $33 less every month compared to those who drive 12,000 miles annually.

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

Where you live can have a large impact on your monthly auto insurance cost. Usually, 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.

Dairyland Electric
Urban Areas$314$304
Suburban Areas$251$234
Rural Areas$203$262

Electric normally comes out as the less expensive option for drivers in urban and suburban areas, while Dairyland wins in rural areas.

Those in rural areas can expect to pay about $203 a month with Dairyland compared to Electric's $262. Drivers in suburban ZIP codes pay a monthly rate of around $234 with Electric compared to $251 with Dairyland. In urban areas, Electric's average prices are about $304 a month compared to Dairyland's $314.

Dairyland vs. Electric Discounts

Regardless of 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 possible, and the best way to do that is by taking advantage of as many auto 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're eligible for.

In the section below, we've broken down all of the different discounts offered by both Dairyland and Electric so that you can see which one offers the most discounts and see which ones you might be able to take advantage of.

Dairyland Electric
ABS Discount 
Advance Quote Discount
Agency Transfer Discount 
Anti-Theft Discount
Covid-19 Relief Discount 
Defensive Driver Discount
Driver Training Discount 
Electric Vehicle Discount 
Good Driving Discount 
Good Student Discount
Group Discount 
Homeowner Discount 
Hybrid Vehicle Discount 
Marital Status Discount 
Multi-Car Discount 
Multi-Policy Discount 
New Vehicle Discount 
Paid In Full Discount
Passive Restraint Discount
Prior Insurance Discount 

Electric knocks Dairyland out of the park when it comes to the sheer number of discounts available, offering 17 different discounts to Dairyland's 17.

There are a couple discounts both carriers offer, but Electric also offers ABS discounts, COVID-19 relief discount, driver training discounts, and more that Dairyland does not.

On the flip side, Dairyland has a couple unique discounts of its own -- agency transfer discounts, discounts for being a homeowner, discounts for insuring multiple cars with the same company, and more.


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Final Thoughts: Is Dairyland or Electric Best for You?

So, you've seen how different variables can affect your insurance premiums. We've shown you all the discounts each company offers, too. 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 profile and needs?

Dairyland might be best for you if....

  • You want to save money on your car insurance after an accident.
  • Your home is in a busy urban area.
  • You live in an suburban area.


Electric might be best for you if...

  • You're single and purchasing auto insurance by yourself.
  • You want basic insurance coverage at the state minimum limits.
  • You drive often but have a short commute.

We hope this guide helps you get a better idea of the difference between Dairyland and Electric. We also hope we've given you the information you need to make the best 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 Dairyland and Electric. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get free quotes from dozens of top car insurance carriers in your area, all in just a few minutes.


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Dairyland vs. Electric FAQs

Is Dairyland or Electric cheaper?

Looking just at the national average prices, Dairyland is the more affordable of the two companies, offering average rates of $256 per month compared to $266 for Electric. Even so, Dairyland won't necessarily be the cheapest company for each policyholder, since there are several different factors (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Dairyland or Electric?

Sadly, the only answer we can give you is "it depends.". One carrier is not "better" for everyone -- it all depends on what your unique insurance profile looks like. For example, Electric offers cheaper rates for policyholders with an at-fault collision on their record, while Dairyland is more affordable for drivers who have less-than-stellar credit scores.

Why do Dairyland and Electric offer me different rates?

Car insurance carriers take a look at a lot of different variables when calculating the prices they charge drivers. Factors such as your driving record, gender, age, where you call home, and sometimes even things like your credit score can all come into play. Both Dairyland and Electric calculate rates using different variables, so each one will most likely offer different premiums. The only real way to see which company is the lowest for you is by comparing personalized quotes from lots of different companies.

How do I know if Dairyland or Electric 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 information once and you'll get free quotes from dozens of the best insurance companies in your area. With those, you can guarantee you're getting the best premium. And who knows, the best company for you might not be Dairyland or Electric 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.

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