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

Quick Facts

• Based on national averages for auto insurance, Farmers offers significantly less expensive prices than Dairyland
• Farmers offers more affordable premiums for couples purchasing insurance together
• Farmers offers more affordable average prices for drivers with a DUI charge on their record

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

So, you're considering switching your auto insurance. 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 it down to Dairyland or Farmers, but which one will offer you cheaper premiums?

Looking at the national average rates for both companies, Dairyland has average rates that are about 21% per month more expensive than those from Farmers.

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

Luckily, we've broken down average prices from both Dairyland and Farmers by a bunch of different rate factors, so read on to find out which company is the best for you.

Dairyland or Farmers: Average Car Insurance Rates by State

Dairyland and Farmers compete against each other in five states, with Farmers offering more affordable rates to the average driver in all of them. Idaho has the most noticable difference, where Dairyland premiums are over 20% cheaper than car insurance prices at Farmers.

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 auto insurance companies calculate your premiums. Keep reading to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- typically pay a lot for car insurance compared to older drivers. That's normally because young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But that doesn't mean teen drivers can't still save money on their auto insurance. As you can see above, teens who use Dairyland save nearly $10 a month compared to those who use Farmers.

That being said, both carriers will offer you dramatically lower rates once you turn 25. Farmers offers the steepest reduction, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. Dairyland's average prices reduce more than 55% during that same period.

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 cheapest rates out there.

But who has the best premiums for retired drivers between Dairyland and Farmers? Farmers gets the edge, with rates for drivers 65 and older almost 30% more affordable than the national average for Dairyland.

Which is the Best Company for Married Drivers?

You may not be aware, but insurance prices tend to be more expensive for single policyholders than they are for married drivers. This usually boils down to married policyholders having several cars on their policy -- something a lot of car insurance companies will reward with discounts.

When it comes to relationship status, Farmers is the clear winner for those who are single, with premiums around $51 per month cheaper than Dairyland, on average. The advantage for married couples with Farmers is also obvious, where drivers save over 25% a month.

Dairyland vs. Farmers: Average Rates by Gender

Because men are more likely to get into collisions and get speeding tickets, they run a larger risk of filing a claim with insurance. Therefore, men tend to pay more for insurance than women.

Typically, women see rates about 4% per month less with Dairyland, and around 3% less with Farmers when compared to their male counterparts.

When it comes to the most affordable premiums for each gender, Farmers comes out on top for both men and women, with average prices 21% less for men and 20% cheaper for women.

Dairyland or Farmers: 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 variety of different coverages that account for many 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.

However, most policies that many drivers look at fall into two categories -- liability only (that covers bodily injury and property damage for other drivers and their passengers if you cause a collision) and full coverage (which includes two additional coverages -- comprehensive and collision -- alongside liability).

If you're looking for state minimum limits for liability insurance, Farmers usually offers less expensive rates of $126 compared to Dairyland's $142. When it comes to full coverage policies with similar limits, Farmers again has the edge, with policies about $90 a month cheaper than Dairyland, on average.

Is Dairyland or Farmers 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.

It's no secret secret that accidents and tickets lead to higher prices, but which carrier -- Dairyland or Farmers -- has the lowest premiums for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Dairyland policyholders can expect their prices to go up an average of $40 per month if they get a ticket, while Farmers generally raises premiums around $44 a month, on average.

But Farmers has less expensive rates for drivers in both categories -- their rates are around 28% more affordable for drivers with clean records and 22% less expensive for those with a ticket.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their auto insurance through Dairyland can expect to see about an $72 -- or around 24% -- increase in their car insurance prices. Drivers who use Farmers for their insurance will see a monthly bill about $62 (or 28%) more expensive after reporting an accident to their car insurance company.

Overall, Farmers offers the cheapest premiums for drivers with an at-fault accident on their records, with monthly rates averaging $224 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 speeding ticket. Farmers drivers usually see a 27% climb in their insurance premiums after a DUI charge, while Dairyland will normally increase rates by around 5%.

How does Credit Score Impact Dairyland and Farmers Rates?

Did you know that many auto insurance carriers take into account your credit score when calculating prices? This isn't always the case (Hawaii, for example, has banned the use of credit score as a rating factor) but it will come into play for lots of drivers.

Car insurance companies argue that someone with good credit is more likely to pay their bills on time, which makes them less risky to insure. Because of that, policyholders with good credit will often be rewarded with more affordable rates.

Looking at Dairyland and Farmers specifically, which carrier has the best 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 Dairyland or Farmers Better for Drivers who Work from Home or Have Short Commutes?

The amount of time you spend behind the wheel of your car plays a big role in your monthly insurance cost. Generally, those who drive less will end up with cheaper premiums since there's less of a chance of getting into an accident and causing an insurance claim.

In this case, neither Dairyland or Farmers report increasing prices for drivers with higher annual mileage figures. Farmers comes out as the lowest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their vehicle yearly, with average premiums of $203 per month for both.

Dairyland vs. Farmers: 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 car insurance, but the type of area you live in can have a considerable impact as well. Typically, if you live in a rural area with fewer cars on the road, you'll pay a little less for auto insurance, while the opposite is true for people in urban areas.

Farmers boasts the cheapest average rates for drivers in every type of area, no matter if it's urban, suburban, or rural.

For policyholders in urban ZIP codes, Farmers offers premiums about $251 monthly compared to Dairyland's $314. People who live in suburban ZIP codes can expect to pay around $189 a month for Farmers and $251 for Dairyland. Lastly, those in rural areas tend to get the most affordable prices from both carriers, with average monthly premiums coming in at $170 and $203 for Farmers and Dairyland respectively.

Dairyland vs. Farmers Discounts

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

But with what seems like a million different discounts out there, it can be hard 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.

In the section below, we've broken down all of the different discounts offered by both Dairyland and Farmers so that you can see which company can save you the most money each month.

Farmers blows Dairyland away when it comes to the sheer amount of discounts available, offering 17 more discounts than Dairyland.

A couple of those are overlapping for things like advance quote discounts, discounts for being a defensive driver, discounts for being a homeowner, and passive restraint discounts. Farmers also offers ABS discounts, alternative fuel discounts, distant student discounts, and more that Dairyland does not.

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

Final Thoughts: Is Dairyland or Farmers Best for You?

So, you've seen how different factors can affect your insurance rates. We've shown you all the discounts each carrier offers, too. That's all well and good, but when it comes down to it, is Dairyland or Farmers the right one for you, your vehicle, and your wallet?

Farmers might be best for you if....

• You have an at-fault collision on your record.
• Your credit score is high.
• You are over 65 years old and want to save some money on your auto insurance.

Dairyland might be best for you if...

• You're buying car insurance for a teen and looking for a wallet-friendly option.

We hope this guide helps you get a good idea of the differences between Dairyland and Farmers. We also hope we've given you the information you need to make the best decision about 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 Farmers. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP code below and get free quotes from dozens of the top car insurance carriers in your area, all in just a few minutes.

Dairyland vs. Farmers FAQs

Is Dairyland or Farmers cheaper?

Looking just at the national average prices, Farmers is the less expensive of the two companies, offering average rates of $203 per month compared to $256 for Dairyland. That being said, Farmers won't necessarily be the lowest company for everyone, since there are several different variables (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Dairyland or Farmers?

Unfortunately, the only answer we can give you is "it depends.". One carrier is not necessarily "better" for everyone -- it all depends on the makeup of your unique insurance profile.

Why do Dairyland and Farmers offer me different rates?

Auto insurance carriers take a look at many different factors when determining the rates they charge drivers. Variables such as gender, where your home is, your driving record, age, and sometimes even things like your credit score can all come into play. Both Dairyland and Farmers calculate premiums using different factors, so each one will most likely offer different rates. The only real way to see which company is the most affordable for you is by comparing personalized quotes from multiple different companies.

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

The only way to find the 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 does all the hard work for you. Just enter your ZIP code and you'll get free quotes from dozens of the best auto insurance companies in your area. With those, you can guarantee you're getting the lowest price. And who knows, the best company for you might not be Dairyland or Farmers 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.