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

Wondering if Dairyland or Esurance is the best car insurance company for you, your vehicle, and your wallet? We've broken down all the premiums and discounts for both companies to help you make a more informed decision. Read on to learn more.
Newly insured car driving down the road
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Quick Facts

  • Based on national averages for insurance, Dairyland offers less expensive prices than Esurance
  • Dairyland has cheaper rates for policyholders who live in suburban areas
  • Esurance offers more discounts than Dairyland


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

So, you're considering switching your auto insurance. After all, you've seen ads from all sorts of companies offering large discounts. But exactly how much can you save by switching?

You might have narrowed your search down to Dairyland or Esurance, but between the two, which carrier will save you the most?

Dairyland Esurance
$256$299

Looking at nationwide averages, Esurance has average rates that are about 14% per month more expensive than those from Dairyland.

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

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

Dairyland or Esurance: Average Car Insurance Rates by State

State Dairyland Esurance
PA$294$267
TX$198$184

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

But there's more to insurance than just the state you live in. As we mentioned above, there's a lot of things that go into how car insurance carriers calculate your premiums. Keep reading to find out more.


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Which is the Best Company For Young Drivers?

Dairyland Esurance
18-year-old drivers$524$711
25-year-old drivers$232$233

You might already know that teen drivers usually pay a lot more for insurance than any group out there on the road. It's normally because young, inexperienced drivers are statistically much more likely to get into an accident that results in an auto insurance claim, making them much riskier to insure.

But still, even with seemingly sky-high prices, teen drivers can still find ways to save money. For example, 18-year-old drivers pay an average of nearly $200 less a month by choosing Dairyland over Esurance.

However, both companies will offer you dramatically lower premiums by the time you turn 25. For example, average rates for Dairyland policyholders reduce almost $300 and Esurance's premiums lower around $500 over that time.

Which is the Best Company for Retired Drivers?

Dairyland Esurance
65+-year-old drivers$203$232

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

So, which carrier offers the best prices to retired drivers? Dairyland gets the edge, with rates for drivers 65 and older $29 more affordable than the national average for Esurance.

Which is the Best Company for Married Drivers?

Dairyland Esurance
Single$296$361
Married$202$216

You may not be aware, but insurance premiums tend to be more expensive for single policyholders than they are for married drivers. That's because policies for married policyholders typically cover multiple cars, which several carriers will offer you a discount for.

When it comes to relationship status, Dairyland is the clear winner for single drivers, with prices about $65 per month less expensive than Esurance, on average. But for married couples, that advantage is much less clear - Dairyland offers the cheapest average rates.

Dairyland vs. Esurance: Average Rates by Gender

Dairyland Esurance
Male$261$309
Female$251$288

Men are statistically more likely than women to get into an accident or get pulled over for speeding, which means they'll generally end up paying more for car insurance than women.

Men normally pay around $10 a month more than women with Dairyland, while with Esurance, the difference is closer to $21 per month.

Looking at the data for each company specifically, Dairyland offers the lowest average prices for both men and women. On average, women save about $37 a month and men save about $48 with Dairyland compared to the average Esurance policyholder.


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

Dairyland Esurance
State Minimum*$142$201
Full Coverage**$370$396

*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 isn't the easiest topic to understand. Everyone needs car insurance, but there are so many different terms and limits that it can be hard to find the right policy.

The two most common policies end up falling into two different types of coverage -- liability only (which covers the other party's property damage and injuries if you cause a collision) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to liability).

If you're looking for state minimum liability limits, Dairyland typically offers significantly more affordable premiums of $142 compared to Esurance's $201. When it comes to full coverage policies with similar limits, Dairyland again has the edge, with policies around $25 per month cheaper than Esurance, on average.

Is Dairyland or Esurance Better for Drivers with Spotty Records?

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

It's no secret secret that at-fault accidents and tickets lead to higher prices, but which carrier -- Dairyland or Esurance -- has the cheapest rates for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Dairyland Esurance
Clean Record$225$242
1 Speeding Ticket$265$287

Dairyland policyholders can expect their premiums to go up an average of $40 a month if they get a ticket, while Esurance usually raises rates about $45 per month, on average.

Even so, Dairyland tends to offer the best prices for both drivers who have a recent speeding ticket and those with clean records, offering premiums that are $17 and $22 more affordable, respectively, compared to Esurance.

Which Company is Best for Drivers After an Accident?

Dairyland Esurance
Clean Record$225$242
1 At-Fault Accident$297$364

After an accident, drivers who have their insurance through Dairyland can expect to see around an $72 -- or about 24% -- increase in their auto insurance prices. Drivers who use Esurance for their insurance will see a monthly bill around $122 (or 34%) more expensive after reporting an accident to their car insurance company.

Overall, drivers who use Dairyland end up with the cheaper prices after an accident, with monthly premiums averaging $297 compared to Esurance's $364.

Which Company is Best for Drivers with a DUI?

Dairyland Esurance
Clean Record$225$242
1 DUI$236$301

On average, a DUI offense is going to cost you much more than a single accident or ticket when it comes to your auto insurance bill. On average, Esurance will raise your prices about 20% after a DUI, while Dairyland's average rates increase by 5%.

If you have a DUI on your record and are looking for more affordable premiums, Dairyland tends to be the much cheaper option with average rates of $236 a month compared to $301 from Esurance.


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How does Credit Score Impact Dairyland and Esurance Rates?

Often times, your credit score can come into play when companies determine your monthly bill. This isn't always the case (for example, Michigan and California are two states that ban the practice entirely), but it does affect a lot of drivers out there.

The reasoning car insurance carriers use is that policyholders with bad credit will be less likely to pay their bills on time; so generally, they'll be asked to pay more, while those with good credit will be rewarded with less expensive prices.

Looking specifically at Dairyland and Esurance, which one has the lowest premiums for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Dairyland Esurance
Excellent Credit Score$221$214
Good Credit Score$244$266

If you have solid credit, you'll usually find a better deal with Esurance for an "excellent" credit score. Policyholders with "excellent" credit can save 3% compared to Dairyland, while those with "good" scores can expect to see better savings from Dairyland -- around $22 or 8% cheaper than Esurance each month.

Which Company is Best for Drivers with Bad Credit?

Dairyland Esurance
Fair Credit Score$260$305
Poor Credit Score$299$424

Dairyland typically offers lower prices than Esurance when it comes to drivers with a below average credit score. Drivers with "fair" credit pay about $45 a month less with Dairyland compared to Esurance, and those with "poor" scores usually save an average of around $125 monthly.


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

Dairyland Esurance
6,000 Annual Miles$256$298
12,000 Annual Miles$256$299

How much you drive can have a big impact on your monthly rates. Generally, the more miles you drive, the more you can expect to pay for insurance.

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 Esurance, with drivers who put 6,000 miles on their vehicle annually paying about $1 less every month compared to those who drive 12,000 miles yearly. Still, Dairyland is the more affordable option for drivers in both categories.

Dairyland vs. Esurance: 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 auto insurance, but the type of area you live in can have a substantial impact as well. Typically, those who live in rural areas will pay less than drivers in urban areas because there are a lot fewer cars on the roads in those areas.

Dairyland Esurance
Urban Areas$314$396
Suburban Areas$251$288
Rural Areas$203$211

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

For policyholders in urban ZIP codes, Dairyland offers premiums around $314 per month compared to Esurance's $396. People who live in suburban ZIP codes can expect to pay about $251 per month for Dairyland and $288 for Esurance. Lastly, those in rural areas tend to get the lowest rates from both companies, with average monthly prices coming in at $203 and $211 for Dairyland and Esurance respectively.

Dairyland vs. Esurance Discounts

Regardless of why you might be in the market for a new 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 car insurance discounts as you can.

But where do you even start? With what seems like a million different discounts out there, it may be challenging to find all the ones you qualify for.

In the table below, we've broken down all of the different discounts offered by both Dairyland and Esurance so that you can find the company that has the most discounts and, therefore, the biggest savings.

Dairyland Esurance
ABS Discount 
Advance Quote Discount
Agency Transfer Discount
Anti-Theft Discount
Defensive Driver Discount
DRL Discount 
Education Discount 
Good Driving Discount 
Good Payer Discount 
Good Student Discount
Group Discount 
Homeowner Discount
Mature Driver Discount 
Military Discount 
Multi-Car Discount
Multi-Policy Discount 
Online Quote Discount 
Paid In Full Discount
Paperless Discount 
Passive Restraint Discount

Esurance blows Dairyland away when it comes to the sheer amount of discounts available, offering 24 different discounts to Dairyland's 11.

Both carriers offer quite a few of the same discounts -- like advance quote discounts, anti-theft discounts, discounts for being a good student, and paid in full discounts -- but Esurance also offers ABS discounts, DRL discounts, education discounts, and more that Dairyland does not.

On the flip side, Dairyland has a couple unique discounts of its own -- prior insurance discounts and travelink discounts.


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Final Thoughts: Is Dairyland or Esurance Best for You?

So, we've broken down the average premiums for many of the factors insurance companies look at, and we've shown you all the discounts each carrier offers. That's all well and good, but when it comes down to it, is Dairyland or Esurance the right one for you and your specific needs?

Dairyland might be best for you if....

  • You're single and purchasing car insurance by yourself.
  • Your neighborhood is in the suburbs.
  • You're married and plan to have both of your names on the vehicle's auto insurance policy.


Esurance might be best for you if...

  • You are considering moving to another state -- Dairyland is only available in nine states.
  • You care about discounts (Esurance offers the most).

We hope this guide has ben a valuable resource as you compare Dairyland and Esurance and that it aids in making a more informed decision about 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 Dairyland and Esurance. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code below and get free quotes from dozens of top auto insurance companies in your area, all in just a few minutes.


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Dairyland vs. Esurance FAQs

Is Dairyland or Esurance cheaper?

Looking just at the national average prices, Dairyland is the less expensive of the two carriers, offering average rates of $256 a month compared to $299 for Esurance. But Dairyland won't necessarily be the most affordable company for each driver, since there are many different variables (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Dairyland or Esurance?

Sadly, the real answer is "it depends.". No single carrier is necessarily "better" for every driver -- it all depends on the makeup of your unique insurance profile. For example, Dairyland offers cheaper premiums for drivers with a recent DUI, while Esurance is less expensive for drivers with excellent credit.

Why do Dairyland and Esurance offer me different rates?

Auto insurance companies take a look at many different factors when calculating the rates they charge drivers. Variables such as age, gender, where you park your vehicle, your driving record, and sometimes even things like your credit score can all be used. Both Dairyland and Esurance calculate premiums differently, so each one will most likely offer different rates. The only real way to see which company is the cheapest for you is by comparing personalized quotes from a bunch of different carriers.

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

The only way to find the car insurance carrier that's right for you is by getting quotes from a handful of companies and finding the one best suited for your individual budget. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your information once 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 Dairyland or Esurance 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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