Dairyland vs. South Carolina Farm Bureau: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for insurance, South Carolina Farm Bureau offers significantly less expensive prices than Dairyland
• Dairyland may help you save more money -- they offer more discounts than South Carolina Farm Bureau Insurance
• South Carolina Farm Bureau tends to be a much more affordable option for policyholders who live in urban areas

Dairyland or South Carolina Farm Bureau: Which Company has the Cheapest Car Insurance?

So, you're considering switching to a new insurance policy. You've probably seen commercials and billboards from companies offering large savings, but exactly how much money can you save by switching?

You might be considering Dairyland or South Carolina Farm Bureau, but which one has cheaper rates for car insurance?

Looking at nationwide averages, South Carolina Farm Bureau has average rates that are around 55% a month more affordable than those from Dairyland.

However, that doesn't mean South Carolina Farm Bureau will necessarily be less expensive than Dairyland for every driver. After all, auto insurance carriers can offer drastically different rates to every driver depending on rating factors like your credit score, where you call home, your driving record, or even your age (among other things), so premiums could change drastically from person to person.

So, if you want to find out which of Dairyland or South Carolina Farm Bureau is really the best for you, keep reading to see average rates for each company broken down by several different rate factors.

Dairyland vs. South Carolina Farm Bureau: Average Car Insurance Rates by State

Dairyland and South Carolina Farm Bureau only compete against each other in South Carolina, where South Carolina Farm Bureau offers the cheaper average prices. South Carolina Farm Bureau drivers tend to pay about $216 per month less on average compared to drivers who use Dairyland for their insurance.

That being said, there's a lot more that goes into your car insurance payment than just where you call home. Read on to learn more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive insurance rates of any other group of drivers out there on the road. That'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 auto insurance premiums. As you can see above, teens who use South Carolina Farm Bureau save over 60% a month compared to those who use Dairyland.

But both companies will offer you dramatically lower prices by the time you turn 25. South Carolina Farm Bureau offers the steepest decrease, with 25-year-olds paying less than half what 18-year-old drivers are charged. Dairyland's average rates lower more than 55% during that same period.

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 prices you can find.

So, which carrier offers the best premiums to retired drivers? South Carolina Farm Bureau gets the edge here, with average rates coming in at about $75 a month compared to Dairyland's $203.

Which is the Best Company for Married Drivers?

Did you know that insurance prices are generally cheaper for married drivers than they are for single drivers? That's normally because married couples tend to own and insure multiple vehicles, which can often earn you a discount.

For those who are single, the difference in average premiums between these two carriers is significant, with South Carolina Farm Bureau prices coming in at around half of Dairyland's. The advantage for married policyholders with South Carolina Farm Bureau is also obvious, where drivers save about $100 per month.

Dairyland or South Carolina Farm Bureau: Average Rates by Gender

Did you know men usually pay more for auto insurance than women? This is because men are statistically more likely than women to cause a collision and get into accidents, which leads to increased risk for insurers and, therefore, higher rates.

With Dairyland, women typically pay around 4% a month less than men, but with South Carolina Farm Bureau, the difference is closer to 5% per month.

When it comes to the most affordable premiums for each gender, South Carolina Farm Bureau offers the cheapest average rates for both men and women, with average premiums 56% less for men and 57% cheaper for women.

Dairyland vs. South Carolina Farm Bureau: 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.

Insurance can be a complicated subject for most people. There are a variety of different coverages that account for a range of different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause a collision.

Even so, the most common policies that drivers look at fall into two categories -- liability coverage (which covers the other party's injuries and property damage if you cause an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to what you get with liability).

Looking specifically at state minimum liability limits, South Carolina Farm Bureau has the significant edge, with average monthly prices coming in at $78. If you want a full coverage policy with the same state minimum limits, South Carolina Farm Bureau again has the edge, with policies averaging about $144 a month to Dairyland's $370.

Is Dairyland or South Carolina Farm Bureau Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their car insurance. But that's not to say you can't save money if you don't have the best driving record, either.

You'll probably end up paying more with at-fault collisions and speeding tickets on your record, but which of these two companies offers the lowest rates to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Dairyland for their auto insurance can normally expect their monthly bill to go up around 15% after getting a speeding ticket. South Carolina Farm Bureau policyholders can expect a less drastic increase of about 11%.

However, South Carolina Farm Bureau tends to offer the best prices for drivers both with clean records and with a ticket -- their rates are around 58% more affordable for drivers with clean records and 60% less expensive for those with a ticket.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their car insurance through Dairyland can expect to see around an $72 -- or about 24% -- rise in their auto insurance premiums. Drivers who use South Carolina Farm Bureau for their insurance will see a monthly bill around $30 (or 24%) more expensive after reporting a collision to their car insurance company.

At the end of the day, the cheaper prices come from South Carolina Farm Bureau, with average rates coming in at $125 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 speeding ticket or even an accident. South Carolina Farm Bureau drivers usually see a 18% increase in their auto insurance prices after a DUI charge, while Dairyland will usually raise premiums by about 5%.

But if you end up with a DUI charge and are looking for more affordable prices, South Carolina Farm Bureau tends to be more affordable for the average driver, with monthly premiums coming in at around $116 to Dairyland's $236.

How does Credit Score Impact Dairyland and South Carolina Farm Bureau Rates?

You may not realized it, but your credit score can be used as one of the variables to determine your monthly insurance premiums. Certain states and carriers do not allow for credit score to be used as a car insurance factor, but it does affect lots of drivers out there.

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

Looking at Dairyland and South Carolina Farm Bureau specifically, which carrier has the best rates for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, South Carolina Farm Bureau will typically reward you the most. For drivers with "excellent" credit scores, South Carolina Farm Bureau comes in more than 66.06 cheaper. Drivers with "good" credit scores generally save about 61% with South Carolina Farm Bureau compared to average premiums from Dairyland.

Which Company is Best for Drivers with Bad Credit?

South Carolina Farm Bureau typically offers lower prices than Dairyland when it comes to drivers with a below average credit score. Drivers with "fair" credit pay around 58% per month less with South Carolina Farm Bureau compared to Dairyland, and those with "poor" scores usually save an average of about 45% monthly.

Is Dairyland or South Carolina Farm Bureau Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a pretty big impact on how much insurance carriers will charge for coverage. Generally, those who drive less will end up with less expensive rates since there's less of a chance of causing a collision and filing an insurance claim.

In this case, neither Dairyland or South Carolina Farm Bureau report increasing premiums for drivers with higher annual mileage figures. That being said, South Carolina Farm Bureau comes out as the most affordable for drivers at both intervals, whether they put 6,000 or 12,000 miles on their vehicle yearly, with average prices of $111 a month for both.

Dairyland or South Carolina Farm Bureau: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can have a large impact on your monthly auto insurance bill. Normally, those who live in urban areas will pay more than policyholders in rural areas since there are a lot more cars on the road where they live, which increases the chances of an accident.

When comparing these two companies side-by-side, South Carolina Farm Bureau typically 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 pay around $114 per month with South Carolina Farm Bureau compared to Dairyland's $203. People in suburban areas pay about $103 with South Carolina Farm Bureau compared to Dairyland's $251 a month. In urban areas, South Carolina Farm Bureau's average rates are around $115 per month compared to Dairyland's $314.

Dairyland vs. South Carolina Farm Bureau Discounts

You want to save as much money as you can, right? The best way to do that is by utilizing as many insurance discounts as possible.

But where do you even start? With so many discounts out there, it may seem hard to find all the of the ones you're eligible for.

Luckily, we did the hard work for you and looked at all of the different discounts Dairyland and South Carolina Farm Bureau offer their customers so that you can see which company can save you the most money each month.

Dairyland blows South Carolina Farm Bureau away when it comes to the sheer amount of discounts available, offering six more discounts than South Carolina Farm Bureau.

There are a couple discounts both carriers offer, but Dairyland also offers discounts for advance quote, agency transfer, anti-theft, and more.

On the other hand, South Carolina Farm Bureau has a few proprietary discounts of their own for things like distant student discounts, driver training discounts, and multi-policy discounts.

Final Thoughts: Is Dairyland or South Carolina Farm Bureau Best for You?

So, you've seen how different factors can affect your auto insurance premiums. We've shown you all the discounts each carrier offers, too. That's all well and good, but when it comes down to it, is Dairyland or South Carolina Farm Bureau the right carrier for you and your specific needs?

South Carolina Farm Bureau might be best for you if....

• Your driving record includes a DUI charge.
• Your home is in a busy urban area.
• You have a short drive to work everyday.

Dairyland might be best for you if...

• You want to save extra money with discounts.

Hopefully, this guide helps you get a better idea of the difference between Dairyland and South Carolina Farm Bureau. We also hope we've given you the information you need to make the best decision about 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 a handful of companies, not just Dairyland and South Carolina Farm Bureau. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code below and get free quotes from dozens of the top insurance carriers in your area, all in just a few minutes.

Dairyland vs. South Carolina Farm Bureau FAQs

Is Dairyland or South Carolina Farm Bureau cheaper?

South Carolina Farm Bureau is the cheaper of the two companies when looking at national average rates, with policies averaging $111 a month with South Carolina Farm Bureau and $256 for Dairyland. But that doesn't mean South Carolina Farm Bureau will be the lowest company for every driver, since there are many different variables (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Dairyland or South Carolina Farm Bureau?

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

Why do Dairyland and South Carolina Farm Bureau offer me different rates?

Auto insurance carriers use several different factors when determining the prices they charge. Variables like gender, age, where you park your vehicle, your driving record, and sometimes even things like your credit score can all be used. Both Dairyland and South Carolina Farm Bureau calculate rates using different formulas, so it's likely they'll offer different premiums. The best way to determine which company is the cheapest for you is by comparing personalized quotes from multiple different companies.

How do I know if Dairyland or South Carolina Farm Bureau 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, Compare.com does all the hard work for you. Just enter your area information and you'll get quotes from dozens of your local top car insurance companies for free. That way, you can guarantee you're getting the most affordable rate. And maybe you'll find that the best company for you isn't Dairyland or South Carolina Farm Bureau 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.