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

Quick Facts

• Based on national averages for car insurance, Germania offers significantly less expensive rates than Dairyland
• Germania offers cheaper average prices for drivers with a DUI
• Germania offers more affordable rates for policyholders who have a clean driving record, free of collisions, tickets, or DUIs

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

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

You might have narrowed it down to Dairyland or Germania for your next policy, but which company will save you the most?

Looking at nationwide averages, Dairyland is quite a bit more expensive than Germania, with prices averaging $256 a month compared to just $142 with Germania.

Even so, that doesn't necessarily mean Germania will be the less expensive option for every single driver. Auto insurance carriers vary their premiums depending on things like how clean your driving record is, how good your credit score is, where you live, how old you are, and all sorts of other factors, so rates will vary quite a bit from person to person.

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

Dairyland vs. Germania: Average Car Insurance Rates by State

Dairyland and Germania only compete against each other in Texas, where Germania offers the cheaper average premiums. Germania drivers tend to pay about $56 per month less on average compared to drivers who use Dairyland for their car insurance.

There's a lot more that goes into your auto insurance bill than just where you call home. Keep reading to learn more.

Which is the Best Company For Young Drivers?

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

However, that doesn't mean that teen drivers have to just accept sky-high auto insurance prices. For example, 18-year-old drivers pay an average of almost 45% less a month by choosing Germania over Dairyland.

That being said, both companies will offer you dramatically lower rates once you turn 25. For example, average premiums for Dairyland policyholders decrease around $300 and Germania's rates drop nearly $150 over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll usually enjoy the most affordable car insurance prices you'll ever see. You've been on the road for years, and all that experience pays off when it comes to your monthly premiums for insurance.

So, which company offers the best rates to retired drivers? Germania gets the edge, with premiums for drivers 65 and older over 45% cheaper than the national average for Dairyland.

Which is the Best Company for Married Drivers?

Did you know that car insurance prices are typically more affordable for married policyholders than they are for single drivers? This usually boils down to married drivers having more than one vehicle on their policy -- something quite a few insurance carriers will reward with discounts.

For those who are single, the difference in average premiums between these two companies is significant, with Germania rates coming in at about half of Dairyland's. For married couples, the advantage is clear again - Germania has the edge when it comes to average prices.

Dairyland or Germania: Average Rates by Gender

Men are statistically more likely than women to get into a collision or get pulled over for speeding. That means when it comes to auto insurance men will normally end up paying a little more.

Usually, men see rates around $10 per month higher with Dairyland, but with Germania, the difference is closer to $12 a month.

Looking at overall affordability, Germania comes out on top for both men and women. On average, male drivers save about $113 per month and women save about $115 with Germania compared to the average Dairyland policyholder.

Dairyland vs. Germania: 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.

Car insurance can be a complicated subject for most people. There are so many different terms and limits that it can make it pretty confusing to find the right policy for you.

But most policies end up falling into two different types of coverage -- liability coverage (which covers the other party's property damage and injuries if you cause an accident) and full coverage (which includes two additional coverages -- collision and comprehensive -- alongside liability).

Looking specifically at state minimum liability insurance, Germania has the significant edge, with average monthly premiums coming in at $90. If you want a full coverage policy with the same state minimum limits, Germania again has the edge, with policies averaging around $194 a month to Dairyland's $370.

Is Dairyland or Germania Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from insurance carriers 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 speeding tickets and at-fault accidents on your record, but which of these two companies offers the lowest premiums to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders with Germania auto insurance policies don't report seeing their prices increase after getting a ticket, but Dairyland policyholders can expect to see their monthly bill increase by about $40.

That being said, Germania has cheaper rates for drivers in both categories -- their rates are around 55% more affordable for drivers with clean records and 62% less expensive for those with a ticket.

Which Company is Best for Drivers After an Accident?

Dairyland drivers who get in a collision can expect to see their prices climb by just under 25%, while those who have insurance through Germania will see around a 25% increase.

At the end of the day, the more affordable rates come from Germania, with average premiums coming in at $132 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 -- generally a lot more than an accident or speeding ticket. For example, Germania increases average rates by nearly $150 per month -- that's more than a 55% increase.

But if you end up with a DUI charge and are looking for more affordable premiums, Germania tends to be cheaper for the average driver, with monthly premiums coming in at about $233 to Dairyland's $236.

How does Credit Score Impact Dairyland and Germania Rates?

In many cases, your credit score can be used as one of the variables to determine your monthly car insurance prices. Certain states and carriers do not allow for credit score to be used as an auto insurance factor, but it will come into play for a lot of policyholders.

Auto 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, drivers with good credit will often be rewarded with less expensive premiums.

Looking specifically at Dairyland and Germania, which carrier has the most affordable rates for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, Germania will usually reward you the most. For drivers with "excellent" credit scores, Germania comes in nearly 62.9 cheaper. Drivers with "good" credit scores typically save around 51% with Germania compared to average prices from Dairyland.

Which Company is Best for Drivers with Bad Credit?

Germania typically offers lower rates than Dairyland when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay about 44% a month less with Germania compared to Dairyland, and those with "poor" scores normally save an average of around 26% monthly.

Is Dairyland or Germania 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 how much car insurance carriers will charge for coverage? That's because the more milage you put on your car, the more likely you are to be in a collision and file an insurance claim.

In this case, neither Dairyland or Germania report increasing prices for drivers with higher annual mileage figures. Germania comes out as the cheapest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their vehicle yearly, with average premiums of $142 per month for both.

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

Where you park your car can have a considerable impact on your monthly insurance cost. Generally, those who live in urban areas will pay more than policyholders in rural areas because of the number of vehicles that are on the roads where they live.

When comparing these two companies side-by-side, Germania normally comes out as the lowest option for drivers in every type of area, no matter if it's urban, suburban, or rural.

For drivers in urban ZIP codes, Germania Insurance's average rates are about $165 less than Dairyland. People who live in suburban areas pay around $108 less with Germania compared to Dairyland. Those in rural areas can expect to save about $69 with Germania compared to Dairyland.

Dairyland vs. Germania 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 hard 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 broke down all of the different discounts offered by both Dairyland and Germania so that you can see which company offers the most discounts and see which ones you might be able to take advantage of.

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

Both carriers offer quite a few of the same discounts -- like advance quote discounts, anti-theft discounts, and discounts for being a homeowner -- but Germania also offers discounts for ABS, academic, claim free, and more.

On the other hand, Dairyland has a few proprietary discounts of their own for things like agency transfer discounts, good student discounts, multi-car discounts, and more.

Final Thoughts: Is Dairyland or Germania Best for You?

So, we've broken down the average prices for many of the factors auto insurance companies look at, and we've shown you all the discounts each company offers. But, when it comes down to it, which carrier is the best one for you and your specific driver profile?

Germania might be best for you if....

• Your credit is below-average.
• Your neighborhood is in the suburbs.
• You are purchasing your insurance with a spouse.

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 better idea of the difference between Dairyland and Germania and that it aids in making a more informed decision about your auto insurance.

At the end of the day, the sure-fire 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 Germania. Luckily, sites like Compare.com do all the hard work for you. 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. Germania FAQs

Is Dairyland or Germania cheaper?

Germania is the less expensive of the two carriers when looking at national average premiums, with policies averaging $142 a month with Germania and $256 for Dairyland. Even so, that doesn't mean Germania will be the cheapest company for every policyholder, since there are a range of different variables that are considered when it comes to your car insurance payment.

Who is better, Dairyland or Germania?

Sadly, the answer truly is "it depends.". No one carrier is "better" for each policyholder -- it all depends on what your unique auto insurance profile looks like.

Why do Dairyland and Germania offer me different rates?

Insurance companies use several different factors when determining the prices they charge. Things like age, your driving record, gender, where you live, and sometimes even things like your credit score can all be taken into consideration. Both Dairyland and Germania use different formulas, so it's likely they'll offer different rates. The best way to determine which company is the most affordable for you is by comparing personalized quotes from multiple different carriers.

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

The only way to find the auto 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, Compare.com makes it easy for you to do just that. Just enter your ZIP code and you'll get quotes from dozens of your local top insurance carriers for free. That way, you can guarantee you're getting the best premium. And maybe you'll find that the best company for you isn't Dairyland or Germania 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.