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

How do Dairyland and Southern Farm Bureau compare when it comes to auto insurance rates and discounts? If you want to find out which company has the best premiums for your unique profile, check out our latest guide below.
Newly insured car driving down the road
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Quick Facts

  • Based on national averages for car insurance, Southern Farm Bureau offers significantly less expensive prices than Dairyland
  • Dairyland offers more discounts than Southern Farm Bureau Insurance
  • Southern Farm Bureau has more affordable rates for residents of urban areas

Dairyland vs. Southern Farm Bureau: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? With so many ads from all sorts of companies offering huge discounts, you're probably wondering exactly how much you might be able to save.

You might be considering Dairyland or Southern Farm Bureau as potential options, but which company will save you the most?

Dairyland Southern Farm Bureau

Looking at the national average rates for both companies, Southern Farm Bureau is quite a bit cheaper than Dairyland, with prices averaging $103 per month compared to $256 with Dairyland.

But Southern Farm Bureau may not be the lowest or best option for every single driver out there. Insurance carriers vary their premiums depending on things like where you live, how old you are, how good your credit score is, how clean your driving record is, and tons of other factors. So, at the end of the day, prices from each carrier will differ quite a bit from person to person.

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

Dairyland or Southern Farm Bureau: Average Car Insurance Rates by State

State Dairyland Southern Farm Bureau

Dairyland and Southern Farm Bureau only compete against each other in Arkansas, where Southern Farm Bureau offers the cheaper average premiums. For Arkansas residents, Southern Farm Bureau offers auto insurance for $103 per month on average. Dairyland's average rates come out to be over 70% more expensive, at $190 a month.

But there's more to insurance than just the state you live in. As we mentioned above, there's a lot of things that go into how car insurance companies calculate your premiums. Continue reading to learn more about how other factors will affect your rates.

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Which is the Best Company For Young Drivers?

Dairyland Southern Farm Bureau
18-year-old drivers$524$198
25-year-old drivers$232$99

You might already know that teen drivers usually pay a lot more for insurance than any group out there on the road. Typically, that's because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But still, even with seemingly sky-high prices, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Southern Farm Bureau for their car insurance pay nearly $350 less than those who use Dairyland.

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

Which is the Best Company for Retired Drivers?

Dairyland Southern Farm Bureau
65+-year-old drivers$203$76

Once you approach retirement age, you'll generally enjoy the most affordable auto insurance prices out there. You've been on the road for years, and all that experience pays off when it comes to your monthly premiums for insurance.

So, which carrier offers the best rates to retired drivers? Southern Farm Bureau gets the edge, with prices for drivers 65 and older almost 65% cheaper than the national average for Dairyland.

Which is the Best Company for Married Drivers?

Dairyland Southern Farm Bureau

Did you know that auto insurance premiums are normally more expensive for single drivers than they are for married couples? This usually boils down to married drivers having more than one car on their policy -- something lots of car insurance companies will reward with discounts.

When it comes to relationship status, Southern Farm Bureau is the clear winner for those who are single, with prices about $176 a month more affordable than Dairyland, on average. The advantage is also clear for married policyholders - Southern Farm Bureau offers the cheapest average rates.

Dairyland vs. Southern Farm Bureau: Average Rates by Gender

Dairyland Southern Farm Bureau

Men are statistically more likely than women to get into accidents and file an insurance claim, which means they'll generally end up paying more for insurance than women.

Typically, women see prices around 4% per month less with Dairyland, and about 6% less with Southern Farm Bureau.

Looking at overall affordability, Southern Farm Bureau comes out on top for both men and women, with average rates $155 less for men and $151 cheaper for women.

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Dairyland or Southern Farm Bureau: Compare State Minimum vs. Full Coverage Rates

Dairyland Southern Farm Bureau
State Minimum*$142$54
Full Coverage**$370$151

*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, car insurance isn't the easiest topic to understand. There are so many different limits and terms that it can make it pretty confusing to find the right policy.

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

If you're looking for state minimum limits for liability insurance, Southern Farm Bureau typically offers significantly less expensive premiums of $54 compared to Dairyland's $142. When it comes to full coverage policies with similar limits, Southern Farm Bureau again has the edge, with policies around $200 a month cheaper than Dairyland, on average.

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

It's no big secret that drivers who are accident-free get better deals on their auto insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

You'll probably end up paying more with tickets and at-fault collisions on your record, but which of these two carriers offers the most affordable prices to drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Dairyland Southern Farm Bureau
Clean Record$225$89
1 Speeding Ticket$265$97

Dairyland policyholders can expect their premiums to go up an average of $40 per month if they get a ticket, while Southern Farm Bureau normally raises rates about $8 a month, on average.

Even so, Southern Farm Bureau is usually the less expensive option for drivers both with a speeding ticket and with a clean record, offering prices that are 60% and 63% more affordable, respectively, compared to Dairyland.

Which Company is Best for Drivers After an Accident?

Dairyland Southern Farm Bureau
Clean Record$225$89
1 At-Fault Accident$297$116

Dairyland drivers who get in a collision can expect to see their rates increase by just under 25%, while those who have insurance through Southern Farm Bureau will see around a 25% increase.

Overall, the less expensive premiums come from Southern Farm Bureau, with monthly prices averaging $116 compared to Dairyland's $297.

Which Company is Best for Drivers with a DUI?

Dairyland Southern Farm Bureau
Clean Record$225$89
1 DUI$236$108

On average, a DUI offense is going to cost you much more than a single accident or ticket when it comes to your insurance bill. On average, Southern Farm Bureau will raise your rates about 18% after a DUI, while Dairyland's average premiums rise by 5%.

If you have a DUI on your record and are looking for more affordable rates, Southern Farm Bureau tends to be the much cheaper option with average prices of $108 monthly compared to $236 from Dairyland.

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How does Credit Score Impact Dairyland and Southern Farm Bureau Rates?

Did you know that many car insurance companies take your credit score into account when calculating premiums? Certain states and carriers do not allow for credit score to be used as a rating factor, but it might come into play for many policyholders.

Auto insurance companies argue that someone with good credit is more likely to pay their bills on time, which makes them less risky to insure. Because of that, drivers with good credit will often be rewarded with more affordable rates.

So, which company offers the cheapest premiums for policyholders with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

Dairyland Southern Farm Bureau
Excellent Credit Score$221$72
Good Credit Score$244$85

If you have a great credit score, you'll usually find a better deal with Southern Farm Bureau. Drivers with "excellent" credit can save over 65% compared to Dairyland, and those with "good" scores can also expect to see savings -- around $159 or 65% cheaper every month.

Which Company is Best for Drivers with Bad Credit?

Dairyland Southern Farm Bureau
Fair Credit Score$260$106
Poor Credit Score$299$148

Southern Farm Bureau typically offers lower prices than Dairyland when it comes to drivers with a below average credit score. Drivers with "fair" credit pay about $154 per month less with Southern Farm Bureau compared to Dairyland, and those with "poor" scores generally save an average of around $151 per month.

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

Dairyland Southern Farm Bureau
6,000 Annual Miles$256$103
12,000 Annual Miles$256$103

Did you know that the amount of time you spend in your car have a considerable impact on your monthly rates? Normally, those who drive fewer miles will end up with more affordable prices since there's less of a chance of getting into an accident and causing an insurance claim.

In this case, neither Dairyland or Southern Farm Bureau report increasing premiums for drivers with higher annual mileage figures. Still, Southern Farm Bureau comes out as the lowest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their car annually, with average prices of $103 a month for both.

Dairyland vs. Southern Farm Bureau: 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 large impact as well. Usually, those who live in rural areas will pay less than policyholders in urban areas because there are a lot fewer vehicles on the roads in those areas.

Dairyland Southern Farm Bureau
Urban Areas$314$110
Suburban Areas$251$115
Rural Areas$203$83

Southern Farm Bureau tends to offer the most affordable rates for drivers in all areas, regardless of if they're urban, suburban, or rural.

Drivers in rural ZIP codes see the lowest premiums from both carriers, but Southern Farm Bureau comes out on top with average rates about $83 monthly. Southern Farm Bureau also has less expensive average premiums for policyholders in urban and suburban ZIP codes -- a $204 and $136 per month respective difference when compared to Dairyland drivers in similar areas.

Dairyland vs. Southern Farm Bureau Discounts

Regardless of why you might be in the market for a new insurance policy, you're always going to want to save as much money as possible, and the best way to do that is by utilizing as many auto insurance discounts as you can.

But where do you even start? With so many discounts out there, it may seem difficult to find all the of the ones you can take advantage of.

In the section below, we've taken a look at all of the different discounts Dairyland and Southern Farm Bureau offer their customers so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

Dairyland Southern Farm Bureau
Advance Quote Discount 
Agency Transfer Discount 
Anti-Theft Discount 
Defensive Driver Discount
Driver Training Discount 
Good Student Discount
Homeowner Discount 
Multi-Car Discount 
Multi-Policy Discount 
Paid In Full Discount 
Passive Restraint Discount 
Prior Insurance Discount 
Travelink Discount 

Dairyland blows Southern Farm Bureau away when it comes to the sheer amount of discounts available, offering 11 different discounts to Southern Farm Bureau's four.

There are a couple discounts both companies offer, but Dairyland also offers advance quote discounts, agency transfer discounts, anti-theft discounts, and more that Southern Farm Bureau does not.

On the flip side, Southern Farm Bureau has a couple unique discounts of its own -- discounts for getting driver training and multi-policy discounts.

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

So, we've broken down the average prices for many of the variables car insurance carriers look at, and we've shown you all the discounts each carrier offers. That's all well and good, but at the end of the day, which insurance company is the right one for you and your specific profile and needs?

Southern Farm Bureau might be best for you if....

  • You have a DUI charge on your record.
  • You're looking for more protection with "full coverage" auto insurance.
  • You are over 65 years old and want to save some money on your insurance.

Dairyland might be best for you if...

  • You're looking for the carrier with the most discounts.

We hope this guide helps you get a better idea of the difference between Dairyland and Southern Farm Bureau 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 insurance -- comparing quotes from multiple companies, not just Dairyland and Southern Farm Bureau. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP codes below and get multiple quotes from some of the best auto insurance carriers in your area, all for free.

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Dairyland vs. Southern Farm Bureau FAQs

Is Dairyland or Southern Farm Bureau cheaper?

Looking just at the national average rates, Southern Farm Bureau is the cheaper of the two companies, offering average rates of $103 a month compared to $256 for Dairyland. However, Southern Farm Bureau won't necessarily be the cheapest company for each policyholder, since there are multiple different factors (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Dairyland or Southern Farm Bureau?

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

Why do Dairyland and Southern Farm Bureau offer me different rates?

Car insurance carriers take a look at a lot of different variables when determining the premiums they charge policyholders. Things such as gender, where you live, your driving record, age, and sometimes even things like your credit score can all come into play. Both Dairyland and Southern Farm Bureau calculate prices differently, so each one will most likely offer different premiums. The only real way to see which company is the most affordable for you is by comparing personalized quotes from lots of different companies.

How do I know if Dairyland or Southern Farm Bureau is right for me?

The only way to find the auto insurance carrier that's right for you is by getting quotes from a handful of 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. With those, you can guarantee you're getting the cheapest rate. And who knows, the best company for you might not be Dairyland or Southern Farm Bureau at all!


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.

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