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

Quick Facts

• In general, Dairyland offers slightly less expensive prices than Foremost
• Dairyland offers cheaper average rates for policyholders who may not have much of a commute
• Foremost offers more affordable premiums for drivers who have received a ticket within the last few years

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

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

You might be considering Dairyland or Foremost, but which one will save you the most?

As you can see, Dairyland is about $14 per month more affordable than Foremost when looking at the national average rates for car insurance.

Even so, that doesn't mean Dairyland will necessarily be cheaper than Foremost for every driver. Auto insurance companies vary their prices depending on things like how old you are, how clean your driving record is, where you live, how good your credit score is, and a ton of other factors, so rates could differ drastically from person to person.

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

Dairyland or Foremost: Average Car Insurance Rates by State

Dairyland and Foremost only compete against each other in one states, with Dairyland offering less expensive premiums to the average driver in all of them. Texas has the most noticable difference, where Dairyland prices are over 15% more affordable than car insurance premiums at Foremost.

There are plenty of other factors that go into your insurance bill than just where you call home. Keep reading to find out more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers usually pay a lot more for auto insurance than any group on the road. 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 rates, teen drivers can still find ways to save money. As you can see above, teens who use Dairyland save nearly $50 a month compared to those who use Foremost.

However, both carriers will offer you dramatically lower premiums once you turn 25. For example, average rates for Dairyland policyholders reduce more than 55% and Foremost's prices lower over 60% over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll normally enjoy the cheapest car insurance rates out there. You've been on the road for years, and all that experience pays off when it comes to your monthly prices for auto insurance.

But who has the best premiums for retired drivers between Dairyland and Foremost? Dairyland gets the slight edge here, with average prices coming in at around $203 a month compared to Foremost's $219.

Which is the Best Company for Married Drivers?

You may not be aware, but insurance rates tend to be cheaper for married drivers than they are for single drivers. This usually boils down to married policyholders having more than one car on their policy -- something many 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 marital status, with prices about 4% more affordable for married couples and around 6% less expensive for single policyholders.

Dairyland vs. Foremost: Average Rates by Gender

Men are statistically more likely than women to cause a collision and get into accidents, which means they'll typically end up paying more for car insurance than women.

On average, women see rates about $10 per month more affordable with Dairyland, while with Foremost, the difference is closer to $4 a month.

Looking at overall affordability, Dairyland comes out on top for both men and women. On average, women save about $17 per month and men save around $11 with Dairyland compared to the average Foremost policyholder.

Dairyland or Foremost: 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.

Insurance isn't the easiest topic to understand. There are so many different limits and coverages that it can make it pretty confusing to find the right policy.

But most policies end up falling into two different types of coverage -- liability only (which covers the other party's injuries and property damage if you cause an accident) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to what you get with a liability policy).

In this case, Dairyland offers the lowest average prices for state minimum limits for liability insurance, while Foremost has the edge for full coverage policies with similar coverage limits. Drivers looking for basic state minimum coverage can save around $30 with Dairyland, while full coverage comes out to be about $4 less expensive with Foremost Insurance Group.

Is Dairyland or Foremost Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from car 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.

You'll probably end up paying more with at-fault accidents and tickets on your record, but which of these two companies offers the most affordable rates to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Dairyland policyholders can expect their premiums to go up an average of $40 a month if they get a ticket, while Foremost generally raises prices around $56 per month, on average.

That being said, Foremost is usually the cheaper option for drivers both with clean records and with a speeding ticket, offering premiums that are 10% and 3% less expensive, respectively, compared to Dairyland.

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 Foremost for their insurance will see a monthly bill about $179 (or 47%) more expensive after reporting a collision to their auto insurance company.

Overall, the cheaper rates come from Dairyland, with monthly prices averaging $297 compared to Foremost Insurance Group's $381.

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 car insurance bill -- generally a lot more than an accident or ticket. Foremost drivers usually see a 15% raise in their auto insurance rates after a DUI charge, while Dairyland will typically increase premiums 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 prices of $236 monthly compared to $238 from Foremost.

How does Credit Score Impact Dairyland and Foremost Rates?

You may not have known, but your credit score can come into play when carriers calculate your monthly bill. 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.

Insurance companies argue that those with poor credit scores are less likely to pay their bills on time each month, which increases the risk involved on their end, while the opposite is true for those with good credit.

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

Which Company is Best for Drivers with Good Credit?

If you have great credit, you'll usually find a better deal with Dairyland. Policyholders with "excellent" credit can save 6% compared to Foremost, and those with "good" scores can also expect to see savings -- about $17 or 7% cheaper every month.

Which Company is Best for Drivers with Bad Credit?

Dairyland typically offers lower rates than Foremost when it comes to drivers with a below average credit score. Drivers with "fair" credit pay around $17 a month less with Dairyland compared to Foremost, and those with "poor" scores normally save an average of about $7 per month.

Is Dairyland or Foremost 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 big impact on your monthly car insurance payment? Usually, those who drive less will end up with less expensive premiums since there's less of a chance of getting into a collision and causing an insurance claim.

In this case, neither Dairyland or Foremost report increasing prices for drivers with higher annual mileage figures. That being said, Dairyland comes out as the cheapest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their car yearly, with average rates of $256 per month for both.

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

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

Dairyland tends to offer the cheapest prices for drivers in every type of area, no matter if it's urban, suburban, or rural.

Drivers in rural ZIP codes see the most affordable rates from both carriers, but Dairyland comes out on top with average prices around $203 monthly. Dairyland also has more affordable average premiums for policyholders in urban and suburban ZIP codes -- a $4 and $36 a month respective difference when compared to Foremost drivers in similar areas.

Dairyland vs. Foremost 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 insurance discounts as you can.

The challenging part is finding all of the discounts you're eligible for, since it can feel sometimes like every company has different discounts and each one is advertised differently.

In the section below, we've taken a look at all of the different discounts Dairyland and Foremost offer their customers so that you can see which company offers the most discounts and see which ones you might be able to take advantage of.

Looking at the total number of discounts, Foremost has a slight advantage when it comes to total number of discounts. Dairyland offers a grand total of 11 discounts, while Foremost has 12.

Both companies offer many of the same discounts -- like advance quote discounts, discounts for being a defensive driver, and paid in full discounts -- but Foremost also offers distant student discounts, EFT discounts, good driving 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 good student, discounts for being a homeowner, and more.

Final Thoughts: Is Dairyland or Foremost Best for You?

You've seen the role certain factors have on your auto insurance and the different discounts carriers offer. That's all well and good, but at the end of the day, which carrier is the right carrier for you and your specific profile and needs?

Dairyland might be best for you if....

• You want to save money on your insurance after an accident.
• Your credit score is high.
• You're buying auto insurance for a teen and looking for a wallet-friendly option.

Foremost might be best for you if...

• You've received a ticket for speeding recently and don't want to see your prices climb.
• You're looking for the company with the most discounts.
• You're looking for more protection with "full coverage" car insurance.

We hope this guide helps you get a better idea of the difference between Dairyland and Foremost. We also hope we've given you the information you need to make the best decision about your auto 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 car insurance -- comparing quotes from multiple companies, not just Dairyland and Foremost. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP code below and get free quotes from dozens of the top insurance carriers in your area, all in just a few minutes.

Dairyland vs. Foremost FAQs

Is Dairyland or Foremost cheaper?

Looking just at the national average premiums, Dairyland is the cheaper of the two companies, offering average rates of $256 per month compared to $270 for Foremost. But Dairyland won't necessarily be the cheapest carrier for everyone, since there are a bunch of different variables (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Dairyland or Foremost?

Unfortunately, the answer truly is "it depends.". One company is not necessarily "better" for everyone -- it all depends on the makeup of your unique car insurance profile.

Why do Dairyland and Foremost offer me different rates?

Insurance carriers take a look at quite a few different factors when calculating the rates they charge policyholders. Variables such as age, gender, your driving record, where you live, and sometimes even things like your credit score can all come into play. Both Dairyland and Foremost calculate premiums using different formulas, so each one will most likely offer different rates. The only real way to see which carrier is the most affordable for you is by comparing personalized quotes from many different companies.

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

The only way to find the auto insurance company that's right for you is by getting quotes from a handful of carriers and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. 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 lowest rate. And who knows, the best carrier for you might not be Dairyland or Foremost 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.