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

Quick Facts

• Looking at the national averages for car insurance, Redpoint County Mutual offers significantly more affordable prices than Dairyland
• Dairyland may help you save more money -- they offer more discounts than Redpoint County Mutual
• Redpoint County Mutual has cheaper premiums for policyholders who are looking to purchase insurance with a spouse

Dairyland or Redpoint County Mutual: Which Company has the Cheapest Car Insurance?

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

You might have narrowed it down to Dairyland or Redpoint County Mutual as potential options, but which carrier will save you the most?

As you can see, Dairyland is around $60 more a month than Redpoint County Mutual when looking at the national average rates for insurance.

Even so, that doesn't mean Redpoint County Mutual will necessarily be less expensive than Dairyland for each driver. Auto insurance carriers vary their rates depending on things like how good your credit score is, how clean your driving record is, how old you are, where you live, and all sorts of other factors, so prices will vary quite a bit from person to person.

So, if you want to find out which of Dairyland or Redpoint County Mutual is really the best for you, keep reading to see average premiums for each carrier broken down by a bunch of different rate factors.

Dairyland vs. Redpoint County Mutual: Average Car Insurance Rates by State

Dairyland and Redpoint County Mutual only compete against each other in Texas, where Redpoint County Mutual offers the cheaper average prices. Redpoint County Mutual drivers tend to pay about $2 per month less on average compared to drivers who use Dairyland for their car insurance.

There's a lot more that goes into your insurance cost than just your home state. Continue reading to see how other variables will affect your rates.

Which is the Best Company For Young Drivers?

You might already know that teen drivers generally pay a lot more for auto insurance than any other group of drivers. That's because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But still, even with seemingly sky-high premiums, teen drivers can still find ways to save money. For example, 18-year-old drivers pay an average of over 20% less a month by choosing Redpoint County Mutual over Dairyland.

But both companies will drop rates by the time you turn 25. For example, average prices for Dairyland policyholders reduce more than 55% and Redpoint County Mutual's premiums decrease almost 60% over that time.

Which is the Best Company for Retired Drivers?

When it comes to car insurance, patience and experience pay off, with drivers around retirement age paying some of the lowest rates you can find.

But who has the best prices for retired drivers between Dairyland and Redpoint County Mutual? Redpoint County Mutual gets the edge, with premiums for drivers 65 and older $53 more affordable than the national average for Dairyland.

Which is the Best Company for Married Drivers?

Did you know that insurance rates are usually less expensive for married drivers than they are for single drivers? That's because policies for married policyholders typically cover more than one vehicle, which quite a few carriers will give you a discount for.

For single policyholders, the difference in average prices between these two companies is significant, with Redpoint County Mutual premiums coming in at a quarter less than Dairyland's. The advantage for married couples with Redpoint County Mutual is also obvious, where drivers save about $50 per month.

Dairyland or Redpoint County Mutual: Average Rates by Gender

Men are statistically more likely than women to cause a collision and get into accidents, which means they'll normally end up paying more for auto insurance than women.

With Dairyland, men typically pay around 4% more a month than women., and nearly 10% with Redpoint County Mutual.

Looking at the data for each company specifically, Redpoint County Mutual offers the cheapest average rates for both men and women. On average, male drivers save about $56 per month and women save about $64 with Redpoint County Mutual compared to the average Dairyland policyholder.

Dairyland vs. Redpoint County 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 isn't the easiest topic to understand. Everyone needs auto insurance, but there are so many different limits and coverages that it can be hard to find the right policy for you.

That being said, the most common policies that drivers look at fall into two categories -- liability coverage (which provides bodily injury and property damage coverage for other drivers if you cause a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- alongside what you get with a liability policy).

Looking specifically at state minimum limits for liability insurance, Redpoint County Mutual has the edge, with average monthly premiums coming in at $115. If you want a full coverage policy with the same state minimum limits, Redpoint County Mutual again has the edge, with policies averaging around $277 a month to Dairyland's $370.

Is Dairyland or Redpoint County Mutual Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from car insurance carriers offering great rates 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 collisions and speeding tickets on your record, but which of these two companies offers the most affordable prices to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders with Redpoint County Mutual insurance policies don't report seeing their premiums increase after getting a ticket, but Dairyland policyholders can expect to see their monthly bill increase by about 15%.

However, Redpoint County Mutual is generally the cheaper option for both drivers who have clean records and those with a recent speeding ticket, offering rates that are $86 and $126 less expensive, respectively, compared to Dairyland.

Which Company is Best for Drivers After an Accident?

Dairyland drivers who get in an accident can expect to see their prices climb by over $70, while those who have insurance through Redpoint County Mutual will see around a $65 increase.

At the end of the day, the cheaper premiums come from Redpoint County Mutual, with average prices coming in at $206 compared to Dairyland's $297.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge on your record, it's probably going to cost you more than a simple ticket or even a collision. On average, Redpoint County Mutual will climb your rates about 54% after a DUI, while Dairyland's average prices rise 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 Redpoint County Mutual's $301.

How does Credit Score Impact Dairyland and Redpoint County Mutual Rates?

Did you know many auto insurance carriers take into account your credit score when determining premiums? This isn't true for everyone (for example, Hawaii and California are two states that ban the practice entirely), but it might come into play for a lot of policyholders.

Car insurance companies 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 specifically at Redpoint County Mutual and Dairyland, which company has the best prices for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, Redpoint County Mutual will usually reward you the most. For policyholders with "excellent" credit scores, Redpoint County Mutual comes in nearly 28.96 less expensive. Drivers with "good" credit scores normally save about 27% with Redpoint County Mutual compared to average rates from Dairyland.

Which Company is Best for Drivers with Bad Credit?

Redpoint County Mutual typically offers lower premiums than Dairyland when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay around 21% per month less with Redpoint County Mutual compared to Dairyland, and those with "poor" scores typically save an average of about 18% per month.

Is Dairyland or Redpoint County 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 insurance carriers 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 an accident and file an insurance claim.

In this case, neither Dairyland or Redpoint County Mutual report increasing rates for drivers with higher annual mileage figures. That being said, Redpoint County Mutual comes out as the lowest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their vehicle yearly, with average premiums of $196 a month for both.

Dairyland or Redpoint County Mutual: Compare Rates for Urban, Suburban, and Rural Drivers

Where you park your car can have a considerable impact on your monthly auto insurance payment. 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.

When comparing these two companies side-by-side, Redpoint County Mutual generally comes out as the cheapest option for drivers in all areas, regardless of if they're urban, suburban, or rural.

Those in rural areas can expect to save around $30 with Redpoint County Mutual compared to Dairyland. People who live in suburban areas pay about $74 less with Redpoint County Mutual compared to Dairyland. For drivers in urban ZIP codes, Redpoint County Mutual's average prices are around $76 less than Dairyland.

Dairyland vs. Redpoint County Mutual 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 car insurance discounts as possible.

The difficult part is finding all of the discounts you can take advantage of, since it can feel sometimes like every carrier has different discounts and each one is advertised differently.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Dairyland and Redpoint County Mutual so that you can find the one that has the most discounts and, therefore, the largest savings.

Dairyland knocks Redpoint County Mutual out of the park when it comes to the sheer number of discounts available, offering eight more discounts than Redpoint County Mutual.

A couple of those are overlapping for things like passive restraint discounts. Dairyland also offers discounts for advance quote, agency transfer, anti-theft, and more.

On the other hand, Redpoint County Mutual has a few proprietary discounts of their own like good driving discounts and group discounts.

Final Thoughts: Is Dairyland or Redpoint County Mutual Best for You?

So, you've seen how different factors can affect your insurance rates. 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 carrier is the best carrier for you and your specific profile and needs?

Redpoint County Mutual might be best for you if....

• You're worried about the impact your credit score will have on your prices.
• You want the most robust protection via a "full coverage" policy.
• Your neighborhood is in a rural area.

Dairyland might be best for you if...

• Your driving record includes a DUI charge.
• You're looking for the company with the most discounts.

Hopefully, this guide helps you get a good idea of the differences between Dairyland and Redpoint County Mutual and that it aids in making a more informed decision about your car insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on auto insurance -- comparing quotes from several carriers, not just Dairyland and Redpoint County Mutual. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get free quotes from dozens of top insurance companies in your area, all in just a few minutes.

Dairyland vs. Redpoint County Mutual FAQs

Is Dairyland or Redpoint County Mutual cheaper?

Redpoint County Mutual is the cheaper of the two carriers when looking at national average premiums, with policies averaging $196 per month with Redpoint County Mutual and $256 for Dairyland. That being said, that doesn't mean Redpoint County Mutual will be the most affordable carrier for each policyholder, since there are many different variables that are considered when it comes to your car insurance bill.

Who is better, Dairyland or Redpoint County Mutual?

Unfortunately, the only answer we can give you is "it depends.". No one company is necessarily "better" for everyone -- it all boils down to your unique auto insurance profile. For example, Redpoint County Mutual is more affordable for drivers with excellent credit, while Dairyland offers cheaper rates for drivers with a recent DUI.

Why do Dairyland and Redpoint County Mutual offer me different rates?

Car insurance companies use several different factors when calculating the prices they charge. Things like your driving record, gender, where your home is, age, and sometimes even things like your credit score can all be used. Both Dairyland and Redpoint County Mutual calculate premiums differently, so it's likely they'll offer different prices. The best way to determine which carrier is the lowest for you is by comparing personalized quotes from a variety of different carriers.

How do I know if Dairyland or Redpoint County Mutual 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, sites like Compare.com do all the hard work for you. Just enter your area information and you'll get quotes from dozens of your local top insurance carriers for free. That way, you can guarantee you're getting the best price. And maybe you'll find that the best carrier for you isn't Dairyland or Redpoint County Mutual 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.