Dairyland vs. Idaho Farm Bureau: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for insurance, Idaho Farm Bureau offers significantly more affordable premiums than Dairyland
• Dairyland may help you save more money -- they offer more discounts than Idaho Farm Bureau Insurance
• Idaho Farm Bureau tends to be a much less expensive option for policyholders who drive fewer than 12,000 miles yearly

Dairyland or Idaho Farm Bureau: 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 hefty savings, but exactly how much money can you save by switching?

You've maybe even narrowed your search down to Dairyland or Idaho Farm Bureau for your next policy, but which carrier will save you the most?

As you can see, Idaho Farm Bureau is quite a bit cheaper than Dairyland, with prices averaging $127 a month compared to $256 with Dairyland when looking at the national average rates for auto insurance.

Even so, that doesn't necessarily mean Idaho Farm Bureau will be the cheaper option for every single driver. Insurance carriers use a variety of complex algorithms to determine rates, so depending on how good your credit score is or how clean your driving record is (among a bunch of other factors), you could see wildly different prices from the ones above.

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

Dairyland vs. Idaho Farm Bureau: Average Car Insurance Rates by State

Dairyland and Idaho Farm Bureau only compete against each other in Idaho, where Dairyland offers the cheaper average prices. Dairyland drivers tend to pay about $9 per month less on average compared to drivers who use Idaho Farm Bureau for their car insurance.

But there's more to calculating auto insurance rates than just where you call home. Read on to learn more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive car insurance premiums of any other group of drivers. That's typically because teen 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. For example, 18-year-old drivers pay an average of over 50% less a month by choosing Idaho Farm Bureau over Dairyland.

But both companies will offer you dramatically lower premiums by the time drivers turn 25. Idaho Farm Bureau offers the steepest drop, with 25-year-olds paying less than half what 18-year-old drivers are charged. Dairyland's average prices lower more than 55% during that same period.

Which is the Best Company for Retired Drivers?

Drivers around retirement age normally enjoy some of the most affordable insurance premiums out there. After all, they've likely been driving for quite some time, which generally decreases their chances of collisions and other infractions that can raise rates.

When looking at Dairyland and Idaho Farm Bureau specifically, which company is best for retired drivers? Idaho Farm Bureau gets the edge, with prices for drivers 65 and older almost 55% less expensive than the national average for Dairyland.

Which is the Best Company for Married Drivers?

Single policyholders tend to get offered slightly more expensive car insurance rates than married couples. This usually boils down to married drivers having several vehicles on their policy -- something a lot of auto insurance carriers will reward with discounts.

For single drivers, the difference in average premiums between these two companies is significant, with Idaho Farm Bureau prices coming in at around half of Dairyland's. For married policyholders, the advantage is clear again - Idaho Farm Bureau has the edge when it comes to average premiums.

Dairyland or Idaho Farm Bureau: Average Rates by Gender

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

Men typically pay about 4% more per month than women with Dairyland, but with Idaho Farm Bureau, the difference is closer to 7% a month.

Looking at overall affordability, Idaho Farm Bureau offers the lowest average prices for both men and women, with average rates 49% less for men and 51% cheaper for women.

Dairyland vs. Idaho Farm Bureau: 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.

It's no secret that car insurance can be a complicated subject for most people. There are so many different coverages and terms that it can make it pretty confusing to find the right policy for you.

The two most common policies that drivers look at fall into two categories -- liability coverage (that covers bodily injury and property damage for other drivers and their passengers if you cause an accident) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to what you get with liability).

Looking specifically at state minimum liability limits, Idaho Farm Bureau has the significant edge, with average monthly prices coming in at $66. If you want a full coverage policy with the same state minimum limits, Idaho Farm Bureau again has the edge, with policies averaging around $188 per month to Dairyland's $370.

Is Dairyland or Idaho Farm Bureau Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from 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.

At-fault accidents and speeding tickets will most likely raise your rates, but is Dairyland or Idaho Farm Bureau more affordable for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders with Idaho Farm Bureau auto insurance policies don't report seeing their premiums increase after getting a ticket, but Dairyland policyholders can expect to see their monthly bill increase by about 15%.

That being said, Idaho Farm Bureau tends to offer the best prices for drivers both with clean records and with a speeding ticket -- their rates are around 60% cheaper for drivers with clean records and 66% more affordable 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 rates rise by over $70, while those who have insurance through Idaho Farm Bureau will see around a $30 increase.

At the end of the day, Idaho Farm Bureau offers the most affordable prices for drivers with an at-fault collision on their records, with average premiums coming in at $120 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 insurance bill. Idaho Farm Bureau drivers usually see a 56% increase in their car insurance prices after a DUI charge, while Dairyland will generally raise rates by about 5%.

But if you end up with a DUI charge and are looking for more affordable premiums, Idaho Farm Bureau tends to be cheaper for the average driver, with monthly premiums coming in at around $206 to Dairyland's $236.

How does Credit Score Impact Dairyland and Idaho Farm Bureau Rates?

Did you know many auto insurance companies take your credit score into account when determining rates? This isn't true for everyone (for example, California and Michigan are two states that ban the practice entirely), but it will come into play for several policyholders.

The reasoning car insurance carriers use is that drivers with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper prices, while those with poor credit will normally be forced to pay more.

So, which carrier offers the best rates for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, Idaho Farm Bureau will usually reward you the most. For drivers with "excellent" credit scores, Idaho Farm Bureau comes in more than 57.01 less expensive. Drivers with "good" credit scores generally save about 54% with Idaho Farm Bureau compared to average premiums from Dairyland.

Which Company is Best for Drivers with Bad Credit?

Idaho Farm Bureau typically offers lower prices than Dairyland when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay around 49% a month less with Idaho Farm Bureau compared to Dairyland, and those with "poor" scores usually save an average of about 44% a month.

Is Dairyland or Idaho Farm Bureau Better for Drivers who Work from Home or Have Short Commutes?

The amount of time you spend behind the wheel of your car plays a big role in your monthly auto insurance payment. Typically, those who drive fewer miles 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 pretty significant difference in monthly prices for Idaho Farm Bureau, with drivers who put 6,000 miles on their car annually paying around $16 less every month compared to those who drive 12,000 miles each year. Still, for drivers in both categories, Idaho Farm Bureau is the less expensive company.

Dairyland or Idaho Farm Bureau: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can have a large impact on your monthly insurance cost. Normally, policyholders who live in heavily-populated urban areas will pay quite a bit more than rural drivers since there are a lot more vehicles on the road where they live, which increases the chances of an accident.

Idaho Farm Bureau tends to offer the lowest prices for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Those in rural areas can expect to save about 32% with Idaho Farm Bureau compared to Dairyland. People who live in suburban areas pay around 50% less with Idaho Farm Bureau compared to Dairyland. For policyholders in urban ZIP codes, Idaho Farm Bureau Insurance's average rates are about 62% less than Dairyland.

Dairyland vs. Idaho Farm Bureau 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 utilizing as many car insurance discounts as possible.

But where do you even start? With what seems like a million different discounts out there, it may be difficult to find all the ones you qualify for.

Luckily, we did the hard work for you and looked at all of the different discounts Dairyland and Idaho Farm Bureau offer their customers so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Dairyland knocks Idaho Farm Bureau out of the park when it comes to the sheer number of discounts available, offering nine more discounts than Idaho Farm Bureau.

A couple of those are overlapping for things like discounts for being a defensive driver and discounts for being a good student. Dairyland also offers discounts for advance quote, agency transfer, anti-theft, and more.

Idaho Farm Bureau's discounts come through just two categories -- Defensive Driver and Good Student.

Final Thoughts: Is Dairyland or Idaho Farm Bureau 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, which carrier is the right one for you and your specific needs?

Idaho Farm Bureau might be best for you if....

• You've been pulled over for speeding recently.
• You want the most robust protection via a "full coverage" policy.
• You've started working from home and don't have much of a commute.

Dairyland might be best for you if...

• You want to save extra money with discounts.

Hopefully, this guide helps you get a good idea of the differences between Dairyland and Idaho Farm Bureau and that it aids in making a more informed decision about your car insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from a handful of companies, not just Dairyland and Idaho Farm Bureau. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP codes below and get multiple quotes from some of the best insurance carriers in your area, all for free.

Dairyland vs. Idaho Farm Bureau FAQs

Is Dairyland or Idaho Farm Bureau cheaper?

Idaho Farm Bureau is the cheaper of the two companies when looking at national average rates, with policies averaging $127 per month with Idaho Farm Bureau and $256 for Dairyland. However, that doesn't mean Idaho Farm Bureau will be the cheapest company for every driver, since there are a bunch of different factors that come into play when it comes to your auto insurance bill.

Who is better, Dairyland or Idaho Farm Bureau?

Unfortunately, the only answer we can give you is "it depends.". Neither carrier is necessarily "better" for everyone -- it all comes down to what your unique insurance profile looks like.

Why do Dairyland and Idaho Farm Bureau offer me different rates?

Car insurance carriers use quite a few different variables when calculating the premiums they charge. Things such as age, your driving record, gender, where you park your car, and sometimes even things like your credit score can all come into play. Both Dairyland and Idaho Farm Bureau calculate prices differently, so it's likely they'll offer different premiums. The best way to determine which company is the lowest for you is by comparing personalized quotes from several different companies.

How do I know if Dairyland or Idaho Farm Bureau is right for me?

The only way to find the insurance carrier that's right for you is by getting quotes from several 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 information once 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 best premium. And maybe you'll find that the best company for you isn't Dairyland or Idaho Farm Bureau 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.