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

Quick Facts

• Looking at the national averages for car insurance, Nevada General offers slightly less expensive prices than Dairyland
• Dairyland may help you save more money -- they offer more discounts than Nevada General Insurance Company
• Nevada General offers cheaper average rates for policyholders whose driving record contains an at-fault collision

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

Are you considering a new insurance policy? After all, you've seen ads from all sorts of companies offering huge savings. But exactly how much can you save by switching?

You've maybe even narrowed your search down to Dairyland or Nevada General as potential options, but which one will save you the most?

Looking at nationwide averages, Dairyland is around $7 more a month than Nevada General.

However, that doesn't necessarily mean Nevada General will be the more affordable option for each driver. Auto insurance carriers use a ton of complex algorithms to determine premiums, so depending on how old you are or how clean your driving record is (among multiple other factors), you could see wildly different rates from the ones above.

Luckily, we've broken down average prices from both Dairyland and Nevada General by several different rate factors, so read on to find out which carrier is the best for you.

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

Dairyland and Nevada General only compete against each other in Nevada, where Nevada General offers the cheaper average premiums. Nevada General drivers tend to pay about $63 per month less on average compared to drivers who use Dairyland for their car insurance.

That being said, there are plenty of other factors that go into your insurance payment than just your home state. Read on to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- usually pay a lot for auto insurance compared to older drivers. It's because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

That being said, that doesn't mean that teen drivers have to just accept sky-high insurance prices. For example, 18-year-old drivers pay an average of 15% less a month by choosing Dairyland over Nevada General.

But both companies will reduce rates once you turn 25. For example, average premiums for Dairyland policyholders decrease over 55% and Nevada General's prices drop more than 65% over that time.

Which is the Best Company for Retired Drivers?

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

When looking at Dairyland and Nevada General specifically, which company is best for retired drivers? Nevada General gets the slight edge, with rates for drivers 65 and older about 7% less expensive than the national average for Dairyland.

Which is the Best Company for Married Drivers?

You may not be aware, but auto insurance premiums tend to be cheaper for married policyholders than they are for those who are single. That's normally because married drivers tend to own and insure more than one vehicle, which can often earn you a discount.

When it comes to relationship status, Dairyland is the winner for single policyholders, with prices around 0% per month more affordable than Nevada General, on average.

Dairyland or Nevada General: Average Rates by Gender

Because women are less likely to get into accidents and get speeding tickets, they have a lower chance of filing a claim with insurance. So, women tend to get cheaper rates than men.

Men usually pay about 4% more a month than women with Dairyland, and around 2% more with Nevada General.

Looking at overall affordability, Nevada General comes out as the lowest option for both genders, with average rates 4% less for men and 2% cheaper for women.

Dairyland vs. Nevada General: 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.

For most people, insurance can be pretty complicated. There are so many different coverages and terms that it can make it pretty confusing to find the right policy for you.

Even so, most policies that drivers look at fall into two categories -- liability coverage (which provides bodily injury and property damage coverage for other drivers and passengers if you cause a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- alongside liability coverage).

When it comes to state minimum limits for liability insurance, Dairyland has the edge, while Nevada General offers the most affordable average premiums for full coverage policies with similar coverage limits. Policyholders looking for basic state minimum coverage can save around $10 with Dairyland, while full coverage comes out to be about $20 less expensive with Nevada General Insurance Company.

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

You've probably seen plenty of commercials from car 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.

Speeding tickets and accidents will most likely raise your rates, but is Dairyland or Nevada General cheaper for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

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

However, Nevada General has more affordable premiums for drivers in both categories, offering prices that are $16 and $34 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 Nevada General will see around a $50 increase.

At the end of the day, Nevada General offers the cheapest premiums for drivers with an at-fault accident on their records, with average prices coming in at $257 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 car insurance bill. On average, Nevada General will climb your rates about 30% after a DUI, while Dairyland's average premiums increase by 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 around $236 to Nevada General's $298.

How does Credit Score Impact Dairyland and Nevada General Rates?

Often times, your credit score can come into play when companies calculate your monthly bill. This isn't true for everyone (Hawaii, for example, has banned the use of credit score as an auto insurance factor) but it does affect a lot of drivers out there.

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

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

Which Company is Best for Drivers with Good Credit?

If you have solid credit, Dairyland will typically reward you the most. For drivers with "excellent" credit scores, Dairyland comes in more than 11.24 less expensive. Drivers with "good" credit scores normally save about 2% with Dairyland compared to average prices from Nevada General.

Which Company is Best for Drivers with Bad Credit?

Nevada General typically offers lower premiums than Dairyland when it comes to drivers with a below average credit score. Drivers with "fair" credit pay around 4% per month less with Nevada General compared to Dairyland, and those with "poor" scores usually save an average of about 17% a month.

Is Dairyland or Nevada General Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a large impact on how much insurance companies will charge for coverage. That's because the more milage you put on your car each year, the more likely you are to be in a collision and file an insurance claim.

In this case, neither Dairyland or Nevada General report increasing prices for drivers with higher annual mileage figures. Nevada General comes out as the most affordable for drivers at both intervals, whether they put 6,000 or 12,000 miles on their vehicle annually, with average rates of $249 a month for both.

Dairyland or Nevada General: 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 pretty big impact as well. Generally, policyholders who live in heavily-populated urban areas will pay quite a bit more than rural drivers due to the number of cars that are on the roads where they live.

Dairyland tends to offer the lowest option for drivers in rural and urban areas, while Nevada General wins in suburban areas.

Those in rural areas can expect to save around 3% with Dairyland compared to Nevada General. People who live in suburban areas pay about 24% less with Nevada General compared to Dairyland. For policyholders in urban ZIP codes, Dairyland's average rates are around 10% less than Nevada General Insurance Company.

Dairyland vs. Nevada General 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 can take advantage of.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Dairyland and Nevada General so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Overall, Dairyland comes out ahead with 11 discounts to Nevada General's nine.

Both carriers offer lots of the same discounts -- like agency transfer discounts, discounts for being a homeowner, and passive restraint discounts -- but Dairyland also offers discounts for advance quote, anti-theft, good student, and more.

On the other hand, Nevada General has a few proprietary discounts of their own for things like driver training discounts, EFT discounts, group discounts, and more.

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

You've seen the role certain variables have on your insurance and the different discounts companies offer. That's all well and good, but at the end of the day, which insurance company is the right fit for you?

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

• You have received a ticket within the last few years.
• You're of retirement age and want to take advantage of lower prices.
• You drive often but have a short commute.

Dairyland might be best for you if...

• You have above-average credit.
• You're looking for the best premiums on liability only coverage.
• You want to save money while purchasing car insurance for a teenager.

Hopefully, this guide helps you get a good idea of the differences between Dairyland and Nevada General 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 insurance policy is to compare quotes from multiple carriers, not just Dairyland and Nevada General. 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 companies in your area, all in just a few minutes.

Dairyland vs. Nevada General FAQs

Is Dairyland or Nevada General cheaper?

Nevada General is the more affordable of the two carriers when looking at national average prices, with policies averaging $249 per month with Nevada General and $256 for Dairyland. Even so, that doesn't mean Nevada General will be the most affordable carrier for each driver, since there are a bunch of different factors that are considered when it comes to your auto insurance bill.

Who is better, Dairyland or Nevada General?

Sadly, the real answer is "it depends.". No single company is "better" for every policyholder -- it all boils down to your unique insurance profile. For example, Nevada General is less expensive for drivers who have already retired, while Dairyland offers cheaper rates for single drivers.

Why do Dairyland and Nevada General offer me different rates?

Car insurance companies use quite a few different variables when determining the premiums they charge. Factors such as where your home is, gender, age, where you call home, and sometimes even things like your credit score can all be used. Both Dairyland and Nevada General calculate rates differently, so it's likely they'll offer different prices. The best way to determine which carrier is the cheapest for you is by comparing personalized quotes from many different carriers.

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

The only way to find the auto insurance company 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 car 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 General 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.