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

Quick Facts

• Based on national averages for insurance, Motorists offers slightly more affordable prices than Dairyland
• Dairyland tends to be a much less expensive option for policyholders who live in rural neighborhoods
• Motorists offers more affordable premiums for policyholders who live in urban areas

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

So, you're thinking about switching to a new insurance policy. After all, you've seen ads from all sorts of companies offering big savings. But exactly how much can you save by switching?

You've maybe even narrowed it down to Dairyland or Motorists as potential options, but which carrier will save you the most?

Looking at nationwide averages, Dairyland is around $5 more a month than Motorists.

However, that doesn't mean Motorists will necessarily be cheaper than Dairyland for each driver. Car insurance carriers vary their rates depending on things like how old you are, how clean your driving record is, where you live, how good your credit score is, and all sorts of other factors. So, at the end of the day, premiums from every company will differ quite a bit from person to person.

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

Dairyland vs. Motorists: Average Car Insurance Rates by State

Dairyland and Motorists only compete against each other in one states, with Dairyland offering less expensive premiums to the average driver in all of them. Pennsylvania has the most noticable difference, where Dairyland rates are $128 more affordable than auto insurance prices at Motorists.

There are plenty of other factors that go into your insurance payment than just where you call home. Read on to learn more.

Which is the Best Company For Young Drivers?

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

But still, even with seemingly sky-high premiums, teen drivers can still find ways to save money. As you can see above, teens who use Motorists save over 20% per month compared to those who use Dairyland.

That being said, both companies will offer you dramatically lower prices once you turn 25. For example, average rates for Dairyland policyholders drop more than 55% and Motorists's premiums decrease almost 45% over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age normally enjoy some of the lowest insurance prices you'll ever see. After all, they've likely been driving for quite some time, which usually decreases their chances of collisions and other infractions that can raise rates.

But who has the best prices for retired drivers between Dairyland and Motorists? Dairyland gets the slight edge, with premiums for drivers 65 and older $16 cheaper than the national average for Motorists.

Which is the Best Company for Married Drivers?

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

When it comes to relationship status, Motorists is the winner for single policyholders, with premiums about 7% a month more affordable than Dairyland, on average.

Dairyland or Motorists: Average Rates by Gender

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

Women usually pay around 4% per month less than men with Dairyland, and about 5% less with Motorists.

Looking at overall affordability, Motorists comes out as the most affordable option for both genders, with average prices 2% less for men and 2% cheaper for women.

Dairyland vs. Motorists: 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 coverages and terms that it can make it pretty confusing to find the right policy for you.

Even so, the most common policies that drivers look at fall into two categories -- liability coverage (which provides property damage and bodily injury coverage for other drivers and passengers if you cause a collision) and full coverage (which generally refers to having collision and comprehensive coverages in addition to what you get with liability).

When it comes to state minimum liability insurance, Motorists has the edge, while Dairyland offers the cheapest average rates for full coverage policies with similar coverage limits. Policyholders looking for basic state minimum coverage can save around $20 with Motorists Insurance Group, while full coverage comes out to be around $10 cheaper with Dairyland.

Is Dairyland or Motorists Better for Drivers with Spotty Records?

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

Which Company is Best for Drivers with Speeding Tickets?

Drivers who use Dairyland for their insurance can normally expect their monthly bill to go up about 15% after getting a speeding ticket. Motorists policyholders can expect a less drastic increase of around 10%.

But Motorists has less expensive rates for drivers in both categories, offering premiums that are $56 and $78 cheaper, respectively, compared to Dairyland.

Which Company is Best for Drivers After an Accident?

Dairyland policyholders who get in an accident can expect to see their rates rise by over $70, while those who have insurance through Motorists will see about a $35 increase.

At the end of the day, the less expensive prices come from Motorists, with average rates coming in at $206 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 auto insurance bill -- typically a lot more than a collision or ticket. Motorists drivers usually see a 62% increase in their car insurance prices after a DUI charge, while Dairyland will usually climb premiums by around 5%.

But if you end up with a DUI charge and are looking for more affordable rates, Dairyland tends to be more affordable for the average driver, with monthly premiums coming in at about $236 to Motorists's $442.

How does Credit Score Impact Dairyland and Motorists Rates?

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

Car insurance carriers argue that those with good credit scores are more likely to pay their bills on time each month, which reduces the risk involved on their end, while the opposite is true for those with bad credit.

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

Which Company is Best for Drivers with Good Credit?

If you have great credit, Motorists will normally reward you the most. For drivers with "excellent" credit scores, Motorists comes in nearly 28.05 cheaper. Drivers with "good" credit scores generally save around 24% with Motorists compared to average rates from Dairyland.

Which Company is Best for Drivers with Bad Credit?

If you have less-than-stellar credit, it can be somewhat of a toss-up as far as which company offers you the best premiums. Drivers with "fair" credit pay about 11% less with Motorists than Dairyland, but those whose credit is considered "poor" have it flipped -- saving around 30% a month with Dairyland.

Is Dairyland or Motorists 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 how much insurance companies will charge for coverage. Normally, the more milage you put on your car each year, the more you can expect to pay for car insurance.

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 Motorists, with policyholders who drive 6,000 miles every year paying about $10 less each month compared to those who drive 12,000 miles yearly.

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

Where you live can play a big role in how much you pay for insurance. Generally, policyholders who live in less densely populated rural areas will pay quite a bit less than urban drivers since there are a lot fewer vehicles on the road where they live, which lowers the chances of an accident.

Motorists usually comes out as the less expensive option for drivers in urban and suburban areas, while Dairyland wins in rural areas.

Those in rural areas can expect to save around $49 with Dairyland compared to Motorists. People who live in suburban areas pay about $36 less with Motorists compared to Dairyland. For policyholders in urban ZIP codes, Motorists Insurance Group's average premiums are around $28 less than Dairyland.

Dairyland vs. Motorists Discounts

You want to save as much money as you can, right? The best way to do that is by taking advantage of as many auto insurance discounts as possible.

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

Luckily, we did the hard work for you and looked at all of the different discounts Dairyland and Motorists offer their customers so that you can see which one can save you the most money each month.

Looking at the total number of discounts, Motorists comes out ahead with 14 discounts to Dairyland's 11.

Both carriers offer many of the same discounts -- like advance quote discounts, anti-theft discounts, and discounts for being a homeowner -- but Motorists also offers discounts for ABS, empty nester discount, hybrid vehicle, 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 Motorists Best for You?

So, you've seen how different variables can affect your car insurance rates. We've broken down the different discounts each company offers, too. That's all well and good, but when it comes down to it, is Dairyland or Motorists the right company for you, your vehicle, and your wallet?

Motorists might be best for you if....

• You haven't received any speeding tickets or been in an accident in the last few years.
• You already have a great credit score.
• You don't spend much time in your car.

Dairyland might be best for you if...

• You want the most robust protection via a "full coverage" policy.
• You're of retirement age and want to take advantage of lower prices.
• You and your spouse are buying insurance together.

Hopefully, this guide helps you get a good idea of the differences between Dairyland and Motorists. 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 sure-fire way to make sure you're getting the best deal on your car insurance policy is to compare quotes from several companies, not just Dairyland and Motorists. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code below and get multiple quotes from some of the best auto insurance carriers in your area, all for free.

Dairyland vs. Motorists FAQs

Is Dairyland or Motorists cheaper?

Motorists is the more affordable of the two companies when looking at national average premiums, with policies averaging $251 per month with Motorists and $256 for Dairyland. That being said, that doesn't mean Motorists will be the cheapest carrier for everyone, since there are a bunch of different factors (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Dairyland or Motorists?

Unfortunately, the real answer is "it depends.". No single company is necessarily "better" for every policyholder -- it all comes down to what your unique insurance profile looks like. For example, Dairyland is cheaper for drivers who have less-than-stellar credit scores, while Motorists offers more affordable prices for drivers with an at-fault collision on their record.

Why do Dairyland and Motorists offer me different rates?

Auto insurance carriers use lots of different variables when calculating the rates they charge. Things such as age, gender, where you park your car, your driving record, and sometimes even things like your credit score can all be taken into consideration. Both Dairyland and Motorists use different formulas, so it's likely they'll offer different premiums. The best way to determine which carrier is the most affordable for you is by comparing personalized quotes from lots of different companies.

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

The only way to find the car 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, sites like Compare.com make 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 companies for free. With those, you can guarantee you're getting the best premium. And maybe you'll find that the best carrier for you isn't Dairyland or Motorists 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.