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

Quick Facts

• Looking at the national averages for car insurance, Nevada Capital offers significantly cheaper premiums than Dairyland
• Nevada Capital offers more affordable prices for residents of suburban areas
• Nevada Capital has more affordable rates for drivers who have a speeding ticket on their driving record

Dairyland or Nevada Capital: Which Company has the Cheapest Car Insurance?

Are you considering 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 it down to Dairyland or Nevada Capital as your top options, but which carrier has less expensive premiums for auto insurance?

Looking at nationwide averages, Dairyland is quite a bit more expensive than Nevada Capital, with prices averaging $256 a month compared to just $125 with Nevada Capital.

Even so, that doesn't mean Nevada Capital will necessarily be more affordable than Dairyland for every driver. Car insurance carriers vary their premiums depending on things like where you live, how good your credit score is, how old you are, how clean your driving record is, and a ton of other factors, so rates could change drastically from person to person.

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

Dairyland vs. Nevada Capital: Average Car Insurance Rates by State

Dairyland and Nevada Capital only compete against each other in Nevada, where Nevada Capital offers the cheaper average premiums. Nevada Capital drivers tend to pay about $187 per month less on average compared to drivers who use Dairyland for their insurance.

There are plenty of other factors that go into your car insurance payment than just your home state. Keep reading to learn more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto insurance rates of any other group of drivers out there on the road. That's 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 that doesn't mean teen drivers can't still save money on their insurance. For example, 18-year-old drivers pay an average of 50% less a month by choosing Nevada Capital over Dairyland.

That being said, both companies will offer you dramatically lower prices by the time you turn 25. For example, average premiums for Dairyland policyholders drop over 55% and Nevada Capital's prices reduce almost 55% over that time.

Which is the Best Company for Retired Drivers?

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

When looking at Dairyland and Nevada Capital specifically, which carrier is best for retired drivers? Nevada Capital gets the edge, with rates for drivers 65 and older $118 less expensive than the national average for Dairyland.

Which is the Best Company for Married Drivers?

Did you know that auto insurance prices are usually more expensive for those who are single than they are for married couples? That's normally because married drivers tend to own and insure several vehicles, which can often earn you a discount.

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

Dairyland or Nevada Capital: Average Rates by Gender

Men are statistically more likely than women to get into accidents and file an insurance claim. That means when it comes to insurance men will typically end up paying a little more.

Men generally pay about $10 per month more than women with Dairyland, but with Nevada Capital, the difference is closer to $2 a month.

Looking at the data for each company specifically, Nevada Capital comes out on top for both men and women, with average premiums $135 less for men and $127 cheaper for women.

Dairyland vs. Nevada Capital: 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 auto insurance can be pretty complicated. There are so many different limits and terms that it can make it pretty confusing to find the right policy for you.

However, most policies end up falling into two different types of coverage -- liability coverage (which provides property damage and bodily injury coverage for other drivers and passengers if you cause a collision) and full coverage (which includes collision and comprehensive coverages that protect your own car, alongside liability).

Looking specifically at state minimum liability insurance, Nevada Capital has the significant edge, with average monthly prices coming in at $75. If you want a full coverage policy with the same state minimum limits, Nevada Capital again has the edge, with policies averaging around $174 per month to Dairyland's $370.

Is Dairyland or Nevada Capital Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from car insurance companies offering great rates for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

It's no secret secret that speeding tickets and collisions lead to higher premiums, but which carrier -- Dairyland or Nevada Capital -- has the lowest rates for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

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

That being said, Nevada Capital is normally the cheaper option for both drivers who have a recent ticket and those with clean records. With Nevada Capital Insurance Company, drivers with a clean record can save about $136 a month and drivers with a speeding ticket can save around $149 per month.

Which Company is Best for Drivers After an Accident?

Both carriers will increase prices pretty significantly if you get into an at-fault collision with Dairyland raising by about 24%. Nevada Capital has a less extreme increase, but you can still expect to pay nearly 30% more than you were prior to your first accident.

At the end of the day, drivers who use Nevada Capital end up with the cheaper prices after an accident, with average rates coming in at $126 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 collision or ticket when it comes to your auto insurance bill. Nevada Capital drivers usually see a 47% raise in their car insurance premiums after a DUI charge, while Dairyland will usually climb prices by around 5%.

But if you end up with a DUI charge and are looking for more affordable rates, Nevada Capital tends to be more affordable for the average driver, with monthly premiums coming in at about $168 to Dairyland's $236.

How does Credit Score Impact Dairyland and Nevada Capital Rates?

You may not have known, but your credit score can be used as one of the variables to determine your monthly insurance premiums. Certain states and companies do not allow for credit score to be used as a car insurance factor, but it might come into play for many drivers.

Auto insurance carriers argue that those with poor credit scores are less likely to pay their bills on time every month, which raises the risk involved on their end, while the opposite is true for those with good credit.

Looking at Dairyland and Nevada Capital specifically, which one has the best prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, Nevada Capital will typically reward you the most. For drivers with "excellent" credit scores, Nevada Capital comes in just under 54.75 cheaper. Drivers with "good" credit scores normally save around 53% with Nevada Capital compared to average premiums from Dairyland.

Which Company is Best for Drivers with Bad Credit?

Nevada Capital typically offers lower rates than Dairyland when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay about 51% a month less with Nevada Capital compared to Dairyland, and those with "poor" scores generally save an average of around 48% per month.

Is Dairyland or Nevada Capital 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, those who drive less will end up with less expensive prices 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 premiums for Nevada Capital, with drivers who put 6,000 miles on their vehicle annually paying about $15 less each month compared to those who drive 12,000 miles every year. Still, for drivers in both categories, Nevada Capital is the cheaper company.

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

Where you park your car can have a pretty big impact on your monthly car insurance bill. Generally, those who live in urban areas will pay more than policyholders in rural areas since there are a lot more vehicles on the road where they live, which increases the chances of an accident.

Nevada Capital boasts the cheapest average prices for drivers in every type of area, no matter if it's urban, suburban, or rural.

For drivers in urban ZIP codes, Nevada Capital Insurance Company's average premiums are around 46% less than Dairyland. People who live in suburban areas pay about 55% less with Nevada Capital compared to Dairyland. Those in rural areas can expect to save around 56% with Nevada Capital compared to Dairyland.

Dairyland vs. Nevada Capital 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.

The hard part is finding all of the discounts you qualify for, since it can feel sometimes like every company has different discounts and each one is advertised differently.

Luckily, we did the hard work for you and looked at all of the different discounts Dairyland and Nevada Capital offer their customers so that you can find the company that has the most discounts and, therefore, the largest savings.

Looking at the total number of discounts, Nevada Capital comes out ahead with 15 discounts to Dairyland's 11.

Both carriers offer a lot of the same discounts -- like anti-theft discounts, discounts for being a good student, and discounts for insuring multiple cars with the same company -- but Nevada Capital also offers discounts for ABS, employee discount, good driving, and more.

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

Final Thoughts: Is Dairyland or Nevada Capital Best for You?

You've seen the effect certain factors have on your insurance and the different discounts companies offer. But, at the end of the day, is Dairyland or Nevada Capital the right carrier for you and your specific profile and needs?

Nevada Capital might be best for you if....

• Your credit is below-average.
• You have above-average credit.
• You live in a rural neighborhood.

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 good idea of the differences between Dairyland and Nevada Capital and that you can now make a more informed decision when it comes to 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 multiple carriers, not just Dairyland and Nevada Capital. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of the top insurance companies in your area, all in just a few minutes.

Dairyland vs. Nevada Capital FAQs

Is Dairyland or Nevada Capital cheaper?

Nevada Capital is the more affordable of the two carriers when looking at national average prices, with policies averaging $125 per month with Nevada Capital and $256 for Dairyland. However, that doesn't mean Nevada Capital will be the lowest carrier for each driver, since there are a range of different variables (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Dairyland or Nevada Capital?

Sadly, the answer truly is "it depends.". One company is not "better" for every policyholder -- it all depends on what your unique auto insurance profile looks like.

Why do Dairyland and Nevada Capital offer me different rates?

Insurance companies use a lot of different factors when determining the rates they charge. Things like gender, your driving record, age, where your home is, and sometimes even things like your credit score can all come into play. Both Dairyland and Nevada Capital calculate premiums using different variables, so it's likely they'll offer different rates. The best way to determine which carrier is the most affordable for you is by comparing personalized quotes from several different carriers.

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

The only way to find the car insurance company that's right for you is by getting quotes from several companies and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code 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 best premium. And maybe you'll find that the best carrier for you isn't Dairyland or Nevada Capital 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.