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

Quick Facts

• Based on national averages for auto insurance, Oregon Mutual offers significantly more affordable rates than Dairyland
• Oregon Mutual has cheaper prices for drivers who have received a ticket within the last few years
• Oregon Mutual offers less expensive average premiums for policyholders who live in the suburbs

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

So, you're considering switching your auto insurance. With so many ads from all sorts of companies offering hefty discounts, you're probably wondering exactly how much you might be able to save.

You might have narrowed your search down to Dairyland or Oregon Mutual, but which one will save you the most?

Looking at the national average rates for both companies, Dairyland has average rates that are about 45% per month more expensive than those from Oregon Mutual.

But that doesn't necessarily mean Oregon Mutual will be the more affordable option for every single driver. After all, car insurance carriers can offer drastically different rates to each driver depending on rating factors like your driving record, where you call home, your age, or even your credit score (among other things), so rates could differ drastically from person to person.

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

Dairyland or Oregon Mutual: Average Car Insurance Rates by State

Dairyland and Oregon Mutual only compete against each other in two states, with Oregon Mutual offering cheaper premiums to the average driver in all of them. Oregon has the most noticable difference, where Oregon Mutual prices are over 40% less expensive than insurance rates at Dairyland.

There are plenty of other factors that go into your auto insurance payment than just the state you live in. Keep reading to find out more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- normally pay a lot for insurance compared to older drivers. The reason is that 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.

That being said, that doesn't mean that teen drivers have to just accept sky-high car insurance prices. For example, 18-year-old drivers pay an average of nearly $200 less a month by choosing Oregon Mutual over Dairyland.

However, both companies will lower rates once you turn 25. For example, average premiums for Dairyland policyholders drop more than 55% and Oregon Mutual's prices reduce almost 70% over that time.

Which is the Best Company for Retired Drivers?

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

But who has the best rates for retired drivers between Dairyland and Oregon Mutual? Oregon Mutual gets the edge, with prices for drivers 65 and older $103 more affordable 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 single policyholders than they are for married couples. That's typically because married drivers tend to own and insure multiple cars, which can often earn you a discount.

When it comes to relationship status, Oregon Mutual is the clear winner for single drivers, with prices around $133 per month less expensive than Dairyland, on average. The advantage for married policyholders with Oregon Mutual is also obvious, where drivers save over $100 a month.

Dairyland vs. Oregon Mutual: Average Rates by Gender

You may not know, but men usually pay more for auto insurance than women do. This is because women are less likely to get into collisions and get tickets, which decreases the chances of an insurance claim.

Usually, women see rates about 4% per month less with Dairyland, and nearly 10% less with Oregon Mutual when compared to their male counterparts.

Looking at overall affordability, Oregon Mutual offers the most affordable average premiums for both men and women. On average, male drivers save about $120 a month and women save around $122 with Oregon Mutual compared to the average Dairyland policyholder.

Dairyland or Oregon Mutual: 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.

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.

Even so, the most common policies that many drivers look at fall into two categories -- liability only (which covers the other party's injuries and property damage if you cause an accident) and full coverage (which typically refers to having comprehensive and collision coverages in addition to what you get with a liability policy).

If you're looking for state minimum limits for liability insurance, Oregon Mutual normally offers significantly cheaper prices of $97 compared to Dairyland's $142. When it comes to full coverage policies with similar limits, Oregon Mutual again has the edge, with policies about $200 per month less expensive than Dairyland, on average.

Is Dairyland or Oregon Mutual 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.

Tickets and at-fault collisions will most likely raise your rates, but is Dairyland or Oregon Mutual cheaper 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 a month if they get a ticket, while Oregon Mutual generally raises premiums around $11 per month, on average.

But Oregon Mutual has more affordable rates for drivers in both categories, offering prices that are 51% and 54% less expensive, respectively, compared to Dairyland.

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 Oregon Mutual will see about a $20 increase.

Overall, drivers who use Oregon Mutual end up with the cheaper prices after an accident, with monthly premiums averaging $133 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. On average, Oregon Mutual will raise your prices around 35% after a DUI, while Dairyland's average premiums climb by 5%.

If you have a DUI on your record and are looking for more affordable rates, Oregon Mutual tends to be the much cheaper option with average premiums of $171 monthly compared to $236 from Dairyland.

How does Credit Score Impact Dairyland and Oregon Mutual Rates?

Did you know that many car insurance companies take into account your credit score when calculating rates? This isn't always the case (Hawaii, for example, has banned the use of credit score as a rating factor) but it will come into play for a lot of policyholders.

The reasoning insurance carriers use is that drivers with bad credit will be less likely to pay their bills on time; so usually, they'll be asked to pay more, while those with good credit will be rewarded with more affordable prices.

Looking at Dairyland and Oregon Mutual specifically, which carrier has the best premiums for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, you'll usually find a better deal with Oregon Mutual. Drivers with "excellent" credit can save just under 50% compared to Dairyland, and those with "good" scores can also expect to see savings -- about $123 or 50% cheaper every month.

Which Company is Best for Drivers with Bad Credit?

Oregon Mutual typically offers lower rates than Dairyland when it comes to drivers with bad credit. Drivers with "fair" credit pay around $130 a month less with Oregon Mutual compared to Dairyland, and those with "poor" scores generally save an average of about $128 per month.

Is Dairyland or Oregon Mutual 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 car insurance companies will charge for coverage. That's because the more miles you put on your vehicle each year, the more likely you are to get into an accident and cause 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 small difference in monthly prices for Oregon Mutual, with policyholders who drive 6,000 miles yearly paying around $5 less each month compared to those who drive 12,000 miles annually. Still, Oregon Mutual is the less expensive option for drivers in both categories.

Dairyland vs. Oregon Mutual: 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 auto insurance, but the type of area you live in can have a pretty big impact as well. Normally, if you live in a rural area with fewer cars on the road, you'll pay a little less for insurance, while the opposite is true for people in urban areas.

Oregon Mutual boasts the most affordable average prices for drivers in all areas, regardless of if they're urban, suburban, or rural.

For policyholders in urban ZIP codes, Oregon Mutual offers rates about $151 a month compared to Dairyland's $314. People who live in suburban ZIP codes can expect to pay around $138 per month for Oregon Mutual and $251 for Dairyland. Lastly, those in rural areas tend to get the cheapest prices from both carriers, with average monthly rates coming in at $115 and $203 for Oregon Mutual and Dairyland respectively.

Dairyland vs. Oregon Mutual Discounts

Regardless of 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 possible. That's where car insurance discounts comes into play.

But with what seems like a million different discounts out there, it can be challenging to find all the ones you can take advantage of or to nail down the carrier that has the most discounts for your unique driver profile.

In the table below, we've compared all of the different discounts offered by Dairyland and Oregon Mutual so that you can find the company that has the most discounts and, therefore, the biggest savings.

Looking at the total number of discounts, Oregon Mutual has the advantage when it comes to total number of discounts. Dairyland offers a grand total of 11 discounts, while Oregon Mutual has 15.

Both companies offer several of the same discounts -- like advance quote discounts, discounts for being a defensive driver, and discounts for insuring multiple cars with the same company -- but Oregon Mutual also offers csl discounts, distant student discounts, driver training discounts, and more that Dairyland does not.

On the flip side, Dairyland has a couple unique discounts of its own -- agency transfer discounts, discounts for being a homeowner, paid in full discounts, and more.

Final Thoughts: Is Dairyland or Oregon Mutual Best for You?

So, you've seen how different factors can affect your auto 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 insurance carrier is the right one for you and your specific profile and needs?

Oregon Mutual might be best for you if....

• You've received a ticket for speeding recently and don't want to see your prices increase.
• You're looking for more protection with "full coverage" car insurance.
• You are over 65 years old and want to save some money on your insurance.

Dairyland might be best for you if...

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

We hope this guide has ben a valuable resource as you compare Dairyland and Oregon Mutual 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 car insurance policy is to compare quotes from multiple carriers, not just Dairyland and Oregon Mutual. Luckily, sites like Compare.com make 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. Oregon Mutual FAQs

Is Dairyland or Oregon Mutual cheaper?

Looking just at the national average rates, Oregon Mutual is the more affordable of the two carriers, offering average rates of $135 a month compared to $256 for Dairyland. Even so, Oregon Mutual won't necessarily be the lowest company for every policyholder, since there are a variety of different variables (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Dairyland or Oregon Mutual?

Sadly, the real answer is "it depends.". No one carrier is necessarily "better" for everyone -- it all depends on what your unique auto insurance profile looks like.

Why do Dairyland and Oregon Mutual offer me different rates?

Insurance companies take a look at many different factors when determining the premiums they charge drivers. Variables like gender, age, 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 Oregon Mutual calculate rates differently, so each one will most likely offer different prices. The only real way to see which company is the most affordable for you is by comparing personalized quotes from lots of different carriers.

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

The only way to find the car insurance carrier that's right for you is by getting quotes from several companies 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 area information and you'll get free quotes from dozens of the best insurance carriers in your area. With those, you can guarantee you're getting the lowest price. And who knows, the best company for you might not be Dairyland or Oregon Mutual 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.