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

Quick Facts

• Looking at the national averages for auto insurance, Farmers Union offers significantly more affordable rates than Dairyland
• Farmers Union offers more affordable premiums for policyholders who have a clean driving record, free of collisions, tickets, or DUIs
• Farmers Union offers more affordable rates for policyholders who live in rural neighborhoods

Dairyland or Farmers Union: Which Company has the Cheapest Car Insurance?

So, you're considering switching to a new insurance policy. You've probably seen commercials and billboards from companies offering large savings, but exactly how much money can you save by switching?

You've maybe even narrowed your search down to Dairyland or Farmers Union as potential options, but between the two, which carrier will save you the most?

As you can see, Farmers Union is quite a bit cheaper than Dairyland, with premiums averaging $189 a month compared to $256 with Dairyland when looking at the national average rates for car insurance.

That being said, Farmers Union may not be the cheapest or best option for each driver out there. Insurance carriers vary their prices depending on things like where you live, how good your credit score is, how old you are, how clean your driving record is, and a variety of other factors, so premiums could change drastically from person to person.

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

Dairyland vs. Farmers Union: Average Car Insurance Rates by State

Dairyland and Farmers Union only compete against each other in one states, with Farmers Union offering less expensive prices to the average driver in all of them. Kansas has the most noticable difference, where Farmers Union rates are $39 cheaper than auto insurance prices at Dairyland.

But there's more to insurance than just where you live. As we mentioned above, there's a lot of things that go into how car insurance companies determine your premiums. Keep reading to learn more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers typically pay a lot more for auto insurance than any other group of drivers. That's because teen drivers are statistically much more likely to get into an accident that results in a car insurance claim, making them much riskier to insure.

Even so, that doesn't mean that teen drivers have to just accept sky-high car insurance rates. For example, 18-year-old drivers pay an average of 30% less per month by choosing Farmers Union over Dairyland.

However, with both carriers, you'll see your prices lower significantly by the time you turn 25. For example, average premiums for Dairyland policyholders drop around $300 and Farmers Union's prices decrease about $200 over that time.

Which is the Best Company for Retired Drivers?

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 see.

So, which carrier offers the best premiums to retired drivers? Farmers Union gets the edge here, with average rates coming in at around $148 per month compared to Dairyland's $203.

Which is the Best Company for Married Drivers?

Did you know that insurance premiums are generally more expensive for those who are single than they are for married drivers? That's because policies for married policyholders normally cover more than one vehicle, which a lot of companies will give you a discount for.

For single drivers, the difference in average prices between these two carriers is significant, with Farmers Union premiums coming in at a quarter less than Dairyland's. For married couples, the advantage is clear again - Farmers Union has the edge when it comes to average prices.

Dairyland or Farmers Union: Average Rates by Gender

Because women are less likely to get tickets and get into accidents, they have a lower chance of filing a claim with insurance. So, women usually pay less for auto insurance than men.

On average, men see rates about 4% a month higher with Dairyland, but with Farmers Union, the difference is closer to 6% per month.

Looking at overall affordability, Farmers Union comes out on top for both men and women. On average, male drivers save about $66 a month and women save around $67 with Farmers Union compared to the average Dairyland policyholder.

Dairyland vs. Farmers Union: 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.

For most people, insurance can be pretty complicated. There are so many different coverages and limits that it can make it pretty confusing to find the right policy for you.

But the most common policies that drivers look at fall into two categories -- liability coverage (which covers the other party's property damage and injuries if you cause a collision) and full coverage (which generally refers to having collision and comprehensive coverages alongside liability).

Looking specifically at state minimum liability insurance, Farmers Union has the edge, with average monthly premiums coming in at $107. If you want a full coverage policy with the same state minimum limits, Farmers Union again has the edge, with policies averaging about $271 per month to Dairyland's $370.

Is Dairyland or Farmers Union Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from car insurance companies offering great prices for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

You'll probably end up paying more with accidents and speeding tickets on your record, but which of these two carriers offers the lowest rates to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Dairyland for their auto insurance can normally expect their monthly bill to go up around 15% after getting a speeding ticket. Farmers Union policyholders can expect a bit more drastic of an increase of about 27%.

Even so, Farmers Union has more affordable premiums for drivers in both categories, offering rates that are 39% and 29% less expensive, respectively, compared to Dairyland.

Which Company is Best for Drivers After an Accident?

Dairyland drivers who get in an accident can expect to see their prices increase by over $70, while those who have insurance through Farmers Union will see around a $70 increase.

At the end of the day, the cheaper premiums come from Farmers Union, with average rates coming in at $207 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 insurance bill -- typically a lot more than a collision or ticket. For example, Farmers Union increases average prices by more than $85 a month -- that's nearly a 40% increase.

But if you end up with a DUI charge and are looking for more affordable rates, Farmers Union tends to be more affordable for the average driver, with monthly premiums coming in at about $225 to Dairyland's $236.

How does Credit Score Impact Dairyland and Farmers Union Rates?

You may not realized it, but your credit score can come into play when companies calculate your monthly bill. Certain states and carriers do not allow for credit score to be used as an insurance factor, but it does affect many policyholders out there.

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

So, which company offers the cheapest premiums for policyholders with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, Farmers Union will typically reward you the most. For drivers with "excellent" credit scores, Farmers Union comes in more than 36.2 less expensive. Drivers with "good" credit scores usually save around 33% with Farmers Union compared to average prices from Dairyland.

Which Company is Best for Drivers with Bad Credit?

Farmers Union typically offers lower rates than Dairyland when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay about 27% per month less with Farmers Union compared to Dairyland, and those with "poor" scores normally save an average of around 13% monthly.

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

How much you drive can have a substantial impact on your monthly auto insurance payment. Generally, the more milage you drive, the more you can expect to pay for car insurance.

In this case, neither Dairyland or Farmers Union report increasing premiums for drivers with higher annual mileage figures. That being said, Farmers Union comes out as the most affordable for drivers at both intervals, whether they put 6,000 or 12,000 miles on their car yearly, with average rates of $189 a month for both.

Dairyland or Farmers Union: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can play a large role in how much you pay for insurance. Usually, policyholders who live in less densely populated rural areas will pay quite a bit less than urban drivers due to the small number of vehicles that are on the roads where they live.

Farmers Union boasts the lowest average premiums for drivers in all areas, regardless of if they're urban, suburban, or rural.

For policyholders in urban ZIP codes, Farmers Union Insurance's average prices are about 28% less than Dairyland. People who live in suburban areas pay around 31% less with Farmers Union compared to Dairyland. Those in rural areas can expect to save about 16% with Farmers Union compared to Dairyland.

Dairyland vs. Farmers Union Discounts

No matter 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 you can, and the best way to do that is by taking advantage of as many car insurance discounts as possible.

But with what seems like a million different discounts out there, it can be difficult to find all the ones you're eligible for or to nail down the carrier 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 Dairyland and Farmers Union so that you can see which company offers the most discounts and see which ones you might be able to take advantage of.

They both offer great discounts like discounts for being a defensive driver, discounts for being a homeowner, and paid in full discounts.

Final Thoughts: Is Dairyland or Farmers Union Best for You?

So, we've broken down the average premiums for many of the variables insurance carriers look at, and we've shown you all the discounts each company offers. That's all well and good, but at the end of the day, which insurance carrier is the right one for you and your specific profile and needs?

Farmers Union might be best for you if....

• You're worried about the impact your credit score will have on your rates.
• Your home is in a busy urban area.
• You've started working from home and don't have much of a commute.

Dairyland might be best for you if...

• You have a more unique driver profile than those we mentioned above.

Hopefully, this guide helps you get a good idea of the differences between Dairyland and Farmers Union. We also hope we've given you the information you need to make the best decision when it comes to your car insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on insurance -- comparing quotes from several companies, not just Dairyland and Farmers Union. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP codes below and get multiple free quotes from some of the best auto insurance carriers in your area, all in just a few minutes.

Dairyland vs. Farmers Union FAQs

Is Dairyland or Farmers Union cheaper?

Farmers Union is the more affordable of the two companies when looking at national average prices, with policies averaging $189 per month with Farmers Union and $256 for Dairyland. However, that doesn't mean Farmers Union will be the most affordable company for every driver, since there are many different factors that come into play when it comes to your insurance bill.

Who is better, Dairyland or Farmers Union?

Unfortunately, the real answer is "it depends.". Neither carrier is necessarily "better" for everyone -- it all comes down to what your unique car insurance profile looks like.

Why do Dairyland and Farmers Union offer me different rates?

Auto insurance carriers use lots of different variables when determining the rates they charge. Factors like age, your driving record, gender, where you park your car, and sometimes even things like your credit score can all be taken into consideration. Both Dairyland and Farmers Union calculate prices using different variables, so it's likely they'll offer different premiums. The best way to determine which company is the cheapest for you is by comparing personalized quotes from multiple different companies.

How do I know if Dairyland or Farmers Union 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, Compare.com does all the hard work for you. Just enter your ZIP code 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 lowest price. And maybe you'll find that the best company for you isn't Dairyland or Farmers Union 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.