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

Quick Facts

• Looking at the national averages for auto insurance, GEICO offers significantly less expensive prices than Dairyland
• Dairyland has more affordable premiums for drivers with a DUI
• GEICO tends to be a much cheaper option for single people who will be the only person on the insurance policy

Dairyland or GEICO: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? You've probably seen commercials and billboards from companies offering big savings, but exactly how much money can you save by switching?

You've maybe even narrowed your search down to Dairyland or GEICO as potential options, but which company will save you the most?

As you can see, GEICO has average rates that are around 30% a month less expensive than those from Dairyland when looking at the national average rates for auto insurance.

However, GEICO may not be the lowest or best option for each driver out there. After all, car insurance carriers can offer drastically different rates to every driver depending on rating factors like where you call home, your driving record, your age, or even your credit score (among other things). So, at the end of the day, prices from each company will differ quite a bit from person to person.

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

Dairyland vs. GEICO: Average Car Insurance Rates by State

Dairyland and GEICO compete against each other in nine states, with GEICO offering more affordable rates to the average driver in all of them. South Carolina has the most noticable difference, where GEICO prices are $200 cheaper than insurance premiums at Dairyland.

But there's more to calculating auto insurance rates than just the state you live in. Read on to find out more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- usually pay a lot for car insurance compared to older drivers. That's generally because teen 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 GEICO save over 30% per month compared to those who use Dairyland.

That being said, both companies will lower premiums by the time drivers turn 25. For example, average rates for Dairyland policyholders reduce about $300 and GEICO's prices drop around $200 over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age normally enjoy some of the cheapest car insurance rates you can find. After all, they've likely been driving for quite some time, which typically lowers their chances of collisions and other infractions that can raise premiums.

When looking at Dairyland and GEICO specifically, which company is best for retired drivers? GEICO gets the edge here, with average prices coming in at about $148 per month compared to Dairyland's $203.

Which is the Best Company for Married Drivers?

You may not be aware, but insurance rates tend to be more expensive for single policyholders than they are for married policyholders. That's normally because married couples tend to own and insure several vehicles, which can often earn you a discount.

For those who are single, the difference in average premiums between these two carriers is significant, with GEICO prices coming in at around 30% less than Dairyland's. The advantage for married drivers with GEICO is also obvious, where drivers save almost $50 a month.

Dairyland or GEICO: Average Rates by Gender

You may not know, but car insurance is generally cheaper for women than it is for men. That's because women are less likely to get into accidents and get tickets, which decreases the chances of filing a claim with insurance.

Usually, women see rates about $10 per month more affordable with Dairyland, and around $8 less with GEICO.

Looking at the data for each carrier specifically, GEICO comes out on top for both men and women, with average premiums 28% less for men and 28% cheaper for women.

Dairyland vs. GEICO: 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.

Auto insurance isn't the easiest topic to understand. There are lots of different coverages that account for many different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause a collision.

Even so, 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 an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to liability coverage).

Looking specifically at state minimum limits for liability insurance, GEICO has the significant edge, with average monthly prices coming in at $101. If you want a full coverage policy with the same state minimum limits, GEICO again has the edge, with policies averaging about $269 a month to Dairyland's $370.

Is Dairyland or GEICO Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their insurance. But that's not to say you can't save money if you don't have the best driving record, either.

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

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Dairyland for their car insurance can typically expect their monthly bill to go up around 15% after getting a speeding ticket. GEICO policyholders can expect a bit more drastic of an increase of about 23%.

That being said, GEICO has cheaper rates for drivers in both categories, offering prices that are $110 and $115 less expensive, respectively, compared to Dairyland.

Which Company is Best for Drivers After an Accident?

Dairyland drivers who get in a collision can expect to see their premiums rise by over $70, while those who have insurance through GEICO will see around a $85 increase.

At the end of the day, GEICO offers the cheapest rates for drivers with an at-fault collision on their records, with average prices coming in at $200 compared to Dairyland's $297.

Which Company is Best for Drivers with a DUI?

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. GEICO drivers usually see a 58% increase in their insurance rates after a DUI charge, while Dairyland will usually raise prices by about 5%.

How does Credit Score Impact Dairyland and GEICO Rates?

Did you know many car insurance carriers take into account your credit score when determining premiums? Certain states and companies do not allow for credit score to be used as a car insurance factor, but it does affect several policyholders out there.

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

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

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

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

How much you drive can have a pretty big impact on your monthly insurance bill. Usually, those who drive less will end up with more affordable rates since there's less of a chance of causing an accident and filing an insurance claim.

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 GEICO, with policyholders who drive the least paying around $8 less every month compared to those who drive 12,000 miles each year. Still, for drivers in both categories, GEICO is the less expensive carrier.

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

Where you call home can play a substantial role in how much you pay for auto insurance. Typically, those who live in rural areas will pay less than drivers in urban areas since there are a lot fewer vehicles on the roads where they live.

When comparing these two companies side-by-side, GEICO generally comes out as the cheapest option for drivers in all types of areas, no matter if they're urban, suburban, or rural.

For policyholders in urban ZIP codes, GEICO's average rates are about $103 less than Dairyland. People who live in suburban areas pay around $66 less with GEICO compared to Dairyland. Those in rural areas can expect to save about $44 with GEICO compared to Dairyland.

Dairyland vs. GEICO Discounts

You want to save as much money as you can, right? The best way to do that is by utilizing 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 qualify 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 broke down all of the different discounts offered by both Dairyland and GEICO so that you can see which carrier can save you the most money each month.

GEICO knocks Dairyland out of the park when it comes to the sheer number of discounts available, offering 28 different discounts to Dairyland's 28.

A couple of those are overlapping for things like anti-theft discounts, discounts for being a defensive driver, and discounts for insuring multiple cars with the same company. GEICO also offers discounts for ABS, commercial drivers license, COVID-19 relief, and more.

On the other hand, Dairyland has a few proprietary discounts of their own for things like advance quote discounts, agency transfer discounts, homeowner discounts, and more.

Final Thoughts: Is Dairyland or GEICO 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 at the end of the day, is Dairyland or GEICO the right fit for you?

GEICO might be best for you if....

• You have a clean driving record, free of collisions, tickets, or DUIs.
• You want the most robust protection via a "full coverage" policy.
• You have a short drive to work everyday.

Dairyland might be best for you if...

• Your driving record includes a DUI charge.

Hopefully, this guide has ben a valuable resource as you compare Dairyland and GEICO. 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 car insurance policy is to compare quotes from several carriers, not just Dairyland and GEICO. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP codes below and get free quotes from dozens of top insurance companies in your area, all in just a few minutes.

Dairyland vs. GEICO FAQs

Is Dairyland or GEICO cheaper?

GEICO is the cheaper of the two carriers when looking at national average rates, with policies averaging $185 per month with GEICO and $256 for Dairyland. However, that doesn't mean GEICO will be the lowest carrier for everyone, since there are multiple different factors that come into play when it comes to your car insurance payment.

Who is better, Dairyland or GEICO?

Sadly, the real answer is "it depends.". No one company is necessarily "better" for every policyholder -- it all depends on the makeup of your unique insurance profile. For example, GEICO is more affordable for drivers with excellent credit, while Dairyland offers less expensive prices for drivers with a recent DUI.

Why do Dairyland and GEICO offer me different rates?

Auto insurance companies use quite a few different variables when calculating the rates they charge. Factors like where you live, age, where you park your car, gender, and sometimes even things like your credit score can all be taken into consideration. Both Dairyland and GEICO calculate premiums using different formulas, so it's likely they'll offer different prices. The best way to determine which carrier is the most affordable for you is by comparing personalized quotes from a variety of different carriers.

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

The only way to find the insurance company that's right for you is by getting quotes from multiple companies and finding the one best suited for your individual budget. Luckily, sites like Compare.com do all the hard work for you. Just enter your information once and you'll get quotes from dozens of your local top auto insurance carriers for free. That way, you can guarantee you're getting the cheapest premium. And maybe you'll find that the best carrier for you isn't Dairyland or GEICO 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.