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

Quick Facts

• In general, State Farm offers significantly less expensive premiums than Dairyland
• State Farm has more affordable rates for drivers who have received a ticket within the last few years
• State Farm offers cheaper average premiums for drivers with a DUI charge on their record

Dairyland vs. State Farm: 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 hefty discounts. But exactly how much can you save by switching?

You've maybe even narrowed your search down to Dairyland or State Farm as your top options, but between the two, which company will offer you less expensive rates?

Looking at nationwide averages, State Farm is quite a bit cheaper than Dairyland, with prices averaging $158 per month compared to $256 with Dairyland.

That being said, that doesn't mean State Farm will necessarily be more affordable than Dairyland for every driver. After all, insurance companies can offer drastically different rates to each driver depending on rating factors like where you call home, your age, your credit score, or even your driving record (among other things), so premiums will differ quite a bit from person to person.

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

Dairyland or State Farm: Average Car Insurance Rates by State

Dairyland and State Farm compete against each other in nine states, with State Farm offering cheaper rates to the average driver in all of them. South Carolina has the most noticable difference, where State Farm premiums are over 70% more affordable than auto insurance rates at Dairyland.

That being said, there are plenty of other factors that go into your insurance bill than just where you live. Read on to learn more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive car insurance prices of any other group of drivers out there on the road. The reason is that young, inexperienced drivers are statistically much more likely to get into an accident that results in a car insurance claim, making them much riskier to insure.

But that doesn't mean teen drivers can't still save money on their auto insurance. As you can see above, teens who use State Farm save more than $150 a month compared to those who use Dairyland.

Even so, with both carriers, you'll see your rates decrease significantly by the time drivers turn 25. For example, average premiums for Dairyland policyholders lower nearly $300 and State Farm's prices reduce over $200 over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll normally enjoy the lowest car insurance rates you'll ever see. You've been on the road for years, and all that experience pays off when it comes to your monthly premiums for insurance.

But who has the best prices for retired drivers between Dairyland and State Farm? State Farm gets the edge here, with average rates coming in at about $111 monthly compared to Dairyland's $203.

Which is the Best Company for Married Drivers?

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

When it comes to relationship status, State Farm is the clear winner for those who are single, with prices around $113 per month less expensive than Dairyland, on average. The advantage for married policyholders with State Farm is also obvious, where drivers save almost 40% a month.

Dairyland vs. State Farm: 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 get into an accident or get pulled over for speeding, which leads to increased risk for insurers and, therefore, higher rates.

With Dairyland, women typically pay about $10 per month less than men, and around $10 with State Farm.

When it comes to the cheapest prices for each gender, State Farm comes out as the most affordable option for both genders, with average premiums 37% less for men and 39% cheaper for women.

Dairyland or State Farm: 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 several different coverages that account for multiple different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause a collision.

The two most common policies end up falling into two different types of coverage -- liability only (which provides property damage and bodily injury coverage for other drivers and passengers if you cause an accident) and full coverage (which normally refers to having comprehensive and collision coverages alongside liability coverage).

If you're looking for state minimum limits for liability insurance, State Farm typically offers significantly cheaper prices of $99 compared to Dairyland's $142. When it comes to full coverage policies with similar limits, State Farm again has the edge, with policies about $150 a month less expensive than Dairyland, on average.

Is Dairyland or State Farm Better for Drivers with Spotty Records?

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

Accidents and tickets will most likely raise your premiums, but is Dairyland or State Farm cheaper for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Dairyland policyholders can expect their rates to go up an average of $40 per month if they get a ticket, while State Farm generally raises prices around $21 a month, on average.

However, State Farm is usually the more affordable option for drivers both with a speeding ticket and with a clean record, offering premiums that are $91 and $110 less expensive, respectively, compared to Dairyland.

Which Company is Best for Drivers After an Accident?

Both companies will increase rates pretty significantly if you get into an at-fault accident with Dairyland raising by over $70. State Farm has a less extreme increase, but you can still expect to pay just under $30 more than you were prior to your first collision.

Overall, State Farm offers the lowest premiums for drivers with an at-fault accident on their records, with monthly prices averaging $163 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 collision or ticket when it comes to your auto insurance bill. For example, State Farm increases average rates by $45 per month -- that's over a 25% increase.

How does Credit Score Impact Dairyland and State Farm Rates?

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

Car insurance carriers argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, policyholders with bad credit will often be forced to pay more.

Looking at Dairyland and State Farm specifically, which carrier has the cheapest rates for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

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

How much you drive can have a considerable impact on your monthly auto insurance payment. That's because the more miles you put on your vehicle each year, the more likely you are to get into a collision 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 premiums for State Farm, with policyholders who drive 6,000 miles annually paying about $13 less every month compared to those who drive 12,000 miles each year. Still, State Farm is the more affordable option for drivers in both categories.

Dairyland vs. State Farm: 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 insurance, but the type of area you live in can have a substantial impact as well. Typically, if you live in a rural area with fewer cars on the road, you'll pay a little less for car insurance, while the opposite is true for people in urban areas.

When comparing these two companies side-by-side, State Farm usually comes out as the lowest option for drivers in every type of area, no matter if it's urban, suburban, or rural.

Policyholders in rural ZIP codes see the most affordable prices from both carriers, but State Farm comes out on top with average premiums around $127 a month. State Farm also has cheaper average rates for drivers in urban and suburban ZIP codes -- a $129 and $90 a month respective difference when compared to Dairyland policyholders in similar areas.

Dairyland vs. State Farm 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. That's where auto insurance discounts comes into play.

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.

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

State Farm knocks Dairyland out of the park when it comes to the sheer number of discounts available, offering 23 different discounts to Dairyland's 23.

A couple of those are overlapping for things like anti-theft discounts, discounts for being a defensive driver, and discounts for being a homeowner. State Farm also offers ABS discounts, annual mileage discounts, distant student discounts, and more that Dairyland does not.

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

Final Thoughts: Is Dairyland or State Farm Best for You?

You've seen the effect certain factors have on your insurance and the different discounts companies offer. But, at the end of the day, which company is the right company for you, your vehicle, and your wallet?

State Farm might be best for you if....

• You're single and purchasing auto insurance by yourself.
• You care about discounts (State Farm offers the most).
• 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 State Farm and that you can now make a more informed decision when it comes to your 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 a handful of carriers, not just Dairyland and State Farm. 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 top car insurance companies in your area, all in just a few minutes.

Dairyland vs. State Farm FAQs

Is Dairyland or State Farm cheaper?

Looking just at the national average premiums, State Farm is the more affordable of the two carriers, offering average rates of $158 per month compared to $256 for Dairyland. That being said, State Farm won't necessarily be the cheapest carrier for every policyholder, since there are lots of different variables that come into play when it comes to your auto insurance cost.

Who is better, Dairyland or State Farm?

Sadly, the answer truly is "it depends.". No single company is "better" for everyone -- it all boils down to your unique insurance profile. For example, State Farm offers cheaper rates for drivers with an at-fault accident on their record, while Dairyland is less expensive for drivers who have less-than-stellar credit scores.

Why do Dairyland and State Farm offer me different rates?

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

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

The only way to find the insurance company that's right for you is by getting quotes from multiple companies and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code and you'll get free quotes from dozens of the best car insurance carriers in your area. With those, you can guarantee you're getting the best rate. And who knows, the best carrier for you might not be Dairyland or State Farm 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.