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

Quick Facts

• Looking at the national averages for insurance, Omni offers significantly more affordable prices than Dairyland
• Omni has cheaper rates for drivers who have less-than-stellar credit
• Omni tends to be a much less expensive option for drivers with a DUI charge on their record

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

So, you're considering switching your auto insurance. After all, you've seen ads from all sorts of companies offering hefty discounts. But exactly how much can you save by switching?

You might have narrowed it down to Dairyland or Omni for your next policy, but which carrier will save you the most?

Looking at nationwide averages, Omni is quite a bit cheaper than Dairyland, with prices averaging $181 per month compared to $256 with Dairyland.

That being said, Omni may not be the cheapest or best option for each driver out there. Auto insurance companies use all sorts of complex algorithms to calculate rates, so depending on where you live or how old you are (among a bunch of other factors), you could see wildly different premiums from the ones above.

Luckily, we've broken down average prices from both Dairyland and Omni by a bunch of different rate factors, so read on to find out which company is the best for you.

Dairyland or Omni: Average Car Insurance Rates by State

Dairyland and Omni only compete against each other in one states, with Omni offering more affordable premiums to the average driver in all of them. Pennsylvania has the most noticable difference, where Omni rates are over 60% less expensive than insurance premiums at Dairyland.

But there's more to car insurance than just where you live. As we mentioned above, there's a lot of things that go into how auto insurance carriers determine your rates. Continue reading to see how other factors will affect your rates.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- typically pay a lot for car insurance compared to older drivers. It's normally because young, inexperienced drivers are statistically much more likely to get into an accident that results in an auto insurance claim, making them much riskier to insure.

However, that doesn't mean teen drivers can't still save money on their insurance. For example, 18-year-old drivers pay an average of nearly $55 less a month by choosing Omni over Dairyland.

But with both companies, you'll see your prices reduce significantly by the time you turn 25. For example, average premiums for Dairyland policyholders drop more than 55% and Omni's prices decrease over 70% over that time.

Which is the Best Company for Retired Drivers?

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

But who has the best rates for retired drivers between Dairyland and Omni? Omni gets the edge, with prices for drivers 65 and older $71 cheaper than the national average for Dairyland.

Which is the Best Company for Married Drivers?

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

When it comes to relationship status, Omni is the clear winner for single drivers, with prices about $73 per month more affordable than Dairyland, on average. The advantage for married policyholders with Omni is also obvious, where drivers save more than $75 a month.

Dairyland vs. Omni: Average Rates by Gender

Men are statistically more likely than women to get tickets and get into accidents, which means they'll typically end up paying more for car insurance than women.

On average, men see rates around $10 per month higher with Dairyland, and about $15 more with Omni.

Looking at overall affordability, Omni offers the lowest average premiums for both men and women, with average prices 28% less for men and 31% cheaper for women.

Dairyland or Omni: 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, auto insurance can be pretty complicated. Everyone needs insurance, but there are so many different terms and coverages that it can be hard to find the right policy.

The two most common policies that many drivers look at fall into two categories -- liability only (that covers bodily injury and property damage for other drivers and passengers if you cause an accident) and full coverage (which generally refers to having comprehensive and collision coverages alongside liability).

If you're looking for state minimum liability insurance, Omni usually offers significantly cheaper rates of $104 compared to Dairyland's $142. When it comes to full coverage policies with similar limits, Omni again has the edge, with policies around $100 a month less expensive than Dairyland, on average.

Is Dairyland or Omni Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from car 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 collisions and tickets will most likely raise your rates, but is Dairyland or Omni more affordable for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Dairyland policyholders can expect their prices to go up an average of $40 per month if they get a ticket, while Omni generally raises premiums about $7 a month, on average.

Even so, Omni tends to offer the best prices for drivers both with clean records and with a speeding ticket. Drivers with a clean record can save around $57 per month and drivers with a ticket can save about $90 a month with Omni Insurance.

Which Company is Best for Drivers After an Accident?

Both companies will raise rates pretty significantly if you get into an at-fault accident with Dairyland raising by over $70. Omni has a less extreme raise, but you can still expect to pay $35 more than you were prior to your first collision.

Overall, drivers who use Omni end up with the cheaper prices after an accident, with monthly prices averaging $203 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 speeding ticket when it comes to your auto insurance bill. For example, Dairyland increases average premiums by more than $10 per month -- that's a 5% increase.

If you have a DUI on your record and are looking for more affordable prices, Omni tends to be the much less expensive option with average rates of $178 a month compared to $236 from Dairyland.

How does Credit Score Impact Dairyland and Omni Rates?

You may not have known, but your credit score can be used as one of the variables to calculate your monthly car insurance premiums. This isn't always the case (for example, Hawaii and Michigan are two states that ban the practice entirely), but it does affect several drivers out there.

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

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

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Dairyland or Omni 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 auto insurance companies will charge for coverage. Typically, those who drive fewer miles will end up with cheaper rates since there's less of a chance of getting into a collision and causing an insurance claim.

In this case, neither Dairyland or Omni report increasing premiums for drivers with higher annual mileage figures. Even so, Omni comes out as the cheapest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their vehicle every year, with average prices of $181 a month for both.

Dairyland vs. Omni: 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. Normally, drivers who live in less densely populated rural areas will pay quite a bit less than urban policyholders due to the small number of cars that are on the roads in those areas.

Omni boasts the cheapest average prices for drivers in all areas, regardless of if they're urban, suburban, or rural.

Drivers in rural ZIP codes see the most affordable rates from both carriers, but Omni comes out on top with average premiums around $134 per month. Omni also has more affordable average prices for policyholders in urban and suburban ZIP codes -- a 15% and 43% per month respective difference when compared to Dairyland drivers in similar areas.

Dairyland vs. Omni Discounts

You want to save as much money as possible, right? 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 difficult 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.

In the table below, we've broken down all of the different discounts offered by both Dairyland and Omni so that you can see which company can save you the most money each month.

Looking at the total number of discounts, Omni comes out ahead with 13 discounts to Dairyland's 11.

Both companies offer many of the same discounts -- like anti-theft discounts, discounts for being a defensive driver, and paid in full discounts -- but Omni also offers cellphone safety discounts, group discounts, non-owner discounts, and more that Dairyland does not.

On the flip side, Dairyland has a couple unique discounts of its own -- discounts for being a good student, prior insurance discounts, and travelink discounts.

Final Thoughts: Is Dairyland or Omni Best for You?

So, we've broken down the average premiums for many of the factors auto insurance carriers look at, and we've shown you all the discounts each company offers. That's all well and good, but when it comes down to it, which insurance carrier is the best one for you, your vehicle, and your wallet?

Omni might be best for you if....

• You're single and purchasing insurance by yourself.
• Your credit score is high.
• You are over 65 years old and want to save some money on your car insurance.

Dairyland might be best for you if...

• You have a more unique driver profile than those we mentioned above.

We hope this guide helps you get a good idea of the differences between Dairyland and Omni and that you can now make a more informed 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 insurance policy is to compare quotes from multiple companies, not just Dairyland and Omni. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get multiple quotes from some of the best car insurance carriers in your area, all for free.

Dairyland vs. Omni FAQs

Is Dairyland or Omni cheaper?

Looking just at the national average rates, Omni is the less expensive of the two companies, offering average rates of $181 a month compared to $256 for Dairyland. However, Omni won't necessarily be the lowest company for each driver, since there are several different variables that are considered when it comes to your auto insurance cost.

Who is better, Dairyland or Omni?

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

Why do Dairyland and Omni offer me different rates?

Car insurance carriers take a look at a lot of different factors when calculating the premiums they charge policyholders. Things like age, your driving record, where your home is, gender, and sometimes even things like your credit score can all be taken into consideration. Both Dairyland and Omni use different formulas, so each one will most likely offer different rates. The only real way to see which company is the most affordable for you is by comparing personalized quotes from many different companies.

How do I know if Dairyland or Omni 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, sites like Compare.com do all the hard work for you. Just enter your ZIP code and you'll get free quotes from dozens of the best car insurance companies in your area. That way, you can guarantee you're getting the cheapest premium. And who knows, the best company for you might not be Dairyland or Omni 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.