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

Quick Facts

• Based on national averages for car insurance, Hallmark Financial offers less expensive premiums than Dairyland
• Dairyland offers more discounts than Hallmark Financial
• Hallmark Financial offers more affordable rates for policyholders who have a clean driving record, free of accidents, tickets, or DUIs

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

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

You might be considering Dairyland or Hallmark Financial for your next policy, but which one will offer you cheaper prices?

Looking at the national average rates for both companies, Hallmark Financial has average rates that are about 18% per month more affordable than those from Dairyland.

But that doesn't necessarily mean Hallmark Financial will be the less expensive option for every single driver. Insurance carriers vary their premiums depending on things like how clean your driving record is, how old you are, where you live, how good your credit score is, and all sorts of other factors. So, at the end of the day, rates from each carrier will differ quite a bit from person to person.

Wanting to know if Dairyland or Hallmark Financial is really the right company for you? Keep on reading to see how average prices can change based on all of the factors we've mentioned above.

Dairyland or Hallmark Financial: Average Car Insurance Rates by State

Dairyland and Hallmark Financial only compete against each other in two states, with Dairyland offering cheaper premiums to the average driver in all of them. If you live in Arkansas, Dairyland is the more affordable of the two companies when looking at the overall average prices. Hallmark Financial is the cheaper option in Nevada.

There are plenty of other factors that go into your car insurance cost than just where you live. Read on to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- generally pay a lot for auto insurance compared to older drivers. The reason is that young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

That being said, that doesn't mean that teen drivers have to just accept sky-high insurance rates. As you can see above, teens who use Hallmark Financial save more than $45 a month compared to those who use Dairyland.

Even so, both carriers will drop premiums by the time drivers turn 25. For example, average rates for Dairyland policyholders decrease nearly $300 and Hallmark Financial's prices reduce around $300 over that time.

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 most affordable premiums out there.

But who has the best prices for retired drivers between Dairyland and Hallmark Financial? Hallmark Financial gets the edge, with premiums for drivers 65 and older almost 25% less expensive than the national average for Dairyland.

Which is the Best Company for Married Drivers?

Married policyholders tend to get slightly more affordable auto insurance rates than single policyholders. That's because policies for married drivers typically cover more than one car, which quite a few companies will offer you a discount for.

When it comes to relationship status, Hallmark Financial is the clear winner for single drivers, with prices about $41 per month cheaper than Dairyland, on average. For married couples, the advantage is clear again - Hallmark Financial has the edge when it comes to average premiums.

Dairyland vs. Hallmark Financial: Average Rates by Gender

Men are statistically more likely than women to get into an accident or get pulled over for speeding, which means they'll normally end up paying more for car insurance than women.

Usually, women see rates around 4% a month less with Dairyland, and nearly 10% less with Hallmark Financial when compared to their male counterparts.

Looking at overall affordability, Hallmark Financial comes out as the lowest option for both genders. On average, women save about $50 per month and men save about $40 with Hallmark Financial compared to the average Dairyland policyholder.

Dairyland or Hallmark Financial: 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 can be a complicated subject for most people. Everyone needs auto insurance, but there are so many different terms and limits that it can be hard to find the right policy.

However, most policies that many drivers look at fall into two categories -- liability only (which provides bodily injury and property damage coverage for other drivers and their passengers if you cause a collision) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to liability coverage).

If you're looking for state minimum limits for liability insurance, Hallmark Financial usually offers less expensive prices of $115 compared to Dairyland's $142. When it comes to full coverage policies with similar limits, Hallmark Financial again has the edge, with policies around $65 a month more affordable than Dairyland, on average.

Is Dairyland or Hallmark Financial Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their car insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

Tickets and collisions will most likely raise your rates, but is Dairyland or Hallmark Financial less expensive for 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 per month if they get a ticket, while Hallmark Financial generally raises prices about $14 a month, on average.

But Hallmark Financial has cheaper premiums for drivers in both categories. Drivers with a clean record can save around $31 per month and drivers with a speeding ticket can save about $57 a month with Hallmark Financial.

Which Company is Best for Drivers After an Accident?

Dairyland drivers who get in an accident can expect to see their rates increase by over $70, while those who have insurance through Hallmark Financial will see around a $35 increase.

Overall, the more affordable prices come from Hallmark Financial, with monthly rates averaging $229 compared to Dairyland's $297.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge on your record, it's probably going to cost you more than a simple ticket or even a collision. Hallmark Financial drivers usually see a 8% climb in their insurance premiums after a DUI charge, while Dairyland will typically increase prices by about 5%.

If you have a DUI on your record and are looking for more affordable rates, Hallmark Financial tends to be the much cheaper option with average premiums of $212 monthly compared to $236 from Dairyland.

How does Credit Score Impact Dairyland and Hallmark Financial Rates?

In many cases, your credit score can be used as one of the factors to calculate your monthly auto insurance rates. This isn't always the case (California, for example, has banned the use of credit score as a rating factor) but it will come into play for lots of policyholders.

Insurance carriers 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 prices.

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

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, you'll usually find a better deal with Hallmark Financial. Drivers with "excellent" credit can save just under 20% compared to Dairyland, and those with "good" scores can also expect to see savings -- around $49 or 20% more affordable every month.

Which Company is Best for Drivers with Bad Credit?

Hallmark Financial typically offers lower rates than Dairyland when it comes to drivers with a below average credit score. Drivers with "fair" credit pay about $51 per month less with Hallmark Financial compared to Dairyland, and those with "poor" scores normally save an average of around $40 per month.

Is Dairyland or Hallmark Financial 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 sizable impact on your monthly car insurance bill? Usually, the more miles you drive, the more you can expect to pay for auto insurance.

In this case, neither Dairyland or Hallmark Financial report increasing prices for drivers with higher annual mileage figures. Hallmark Financial 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 premiums of $211 a month for both.

Dairyland vs. Hallmark Financial: 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 substantial impact as well. Generally, if you live in an urban area with more cars on the road, you'll pay a little more for insurance, while the opposite is true for people in rural areas.

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

Policyholders in rural ZIP codes see the lowest rates from both companies, but Hallmark Financial comes out on top with average premiums about $178 a month. Hallmark Financial also has less expensive average rates for drivers in urban and suburban ZIP codes -- a $89 and $22 per month respective difference when compared to Dairyland policyholders in similar areas.

Dairyland vs. Hallmark Financial Discounts

Regardless of 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 possible, and the best way to do that is by utilizing as many insurance discounts as you can.

But with what seems like a million different discounts out there, it can be challenging to nail down the company that has the most discounts for your unique driver profile and to find all the discounts you can take advantage of.

In the section below, we've compared all of the different discounts offered by Dairyland and Hallmark Financial so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

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

There are a couple discounts both carriers offer, but Dairyland also offers advance quote discounts, agency transfer discounts, anti-theft discounts, and more that Hallmark Financial does not.

On the flip side, Hallmark Financial has a couple unique discounts of its own -- education discounts and foreign license discounts.

Final Thoughts: Is Dairyland or Hallmark Financial Best for You?

So, you've seen how different variables can affect your auto insurance prices. We've shown you all the discounts each carrier offers, too. But, at the end of the day, which insurance company is the right company for you, your vehicle, and your wallet?

Hallmark Financial might be best for you if....

• You have an at-fault accident on your record.
• You are over 65 years old and want to save some money on your car insurance.

Dairyland might be best for you if...

• You care about discounts (Dairyland offers the most).

We hope this guide helps you get a better idea of the difference between Dairyland and Hallmark Financial. We also hope we've given you the information you need to make the best decision when it comes to your 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 auto insurance -- comparing quotes from several companies, not just Dairyland and Hallmark Financial. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP codes below and get free quotes from dozens of top car insurance carriers in your area, all in just a few minutes.

Dairyland vs. Hallmark Financial FAQs

Is Dairyland or Hallmark Financial cheaper?

Looking just at the national average premiums, Hallmark Financial is the more affordable of the two companies, offering average rates of $211 a month compared to $256 for Dairyland. Even so, Hallmark Financial won't necessarily be the most affordable carrier for each policyholder, since there are a variety of different factors that come into play when it comes to your insurance payment.

Who is better, Dairyland or Hallmark Financial?

Sadly, the real answer is "it depends.". No single company is "better" for every driver -- it all comes down to what your unique car insurance profile looks like.

Why do Dairyland and Hallmark Financial offer me different rates?

Auto insurance carriers take a look at a lot of different variables when calculating the prices they charge drivers. Factors such as your driving record, gender, where you park your vehicle, age, and sometimes even things like your credit score can all come into play. Both Dairyland and Hallmark Financial use different formulas, so each one will most likely offer different premiums. The only real way to see which carrier is the cheapest for you is by comparing personalized quotes from many different companies.

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

The only way to find the 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 makes it easy for you to do just that. Just enter your area information and you'll get free quotes from dozens of the best auto insurance companies in your area. That way, you can guarantee you're getting the best price. And who knows, the best carrier for you might not be Dairyland or Hallmark Financial 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.