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

Quick Facts

• In general, Texas Farm Bureau offers significantly cheaper prices than Dairyland
• Dairyland has less expensive premiums for drivers with a DUI charge on their record
• Texas Farm Bureau offers more affordable average prices for policyholders who drive fewer than 12,000 miles annually

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

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

You've maybe even narrowed your search down to Dairyland or Texas Farm Bureau as your top options, but which one will offer you less expensive rates?

Looking at the national average rates for both companies, Texas Farm Bureau has average rates that are about 45% per month cheaper than those from Dairyland.

Even so, that doesn't mean Texas Farm Bureau will necessarily be more affordable than Dairyland for each driver. Insurance carriers use all sorts of complex algorithms to calculate premiums, so depending on how good your credit score is or how old you are (among many other factors), you could see wildly different prices from the ones above.

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

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

Dairyland and Texas Farm Bureau only compete against each other in Texas, where Texas Farm Bureau offers the cheaper average rates. For Texas residents, Texas Farm Bureau offers car insurance for $139 monthly on average. Dairyland's average prices come out to be over 40% more expensive, at $198 per month.

But there's more to insurance than just where you call home. As we mentioned above, there's a lot of things that go into how auto insurance companies determine your rates. Keep reading to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive insurance premiums of any other group of drivers out there on the road. It's generally 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 rates, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Texas Farm Bureau for their car insurance pay nearly $300 less than those who use Dairyland.

But with both carriers, you'll see your prices lower significantly once you turn 25. Texas Farm Bureau offers the steepest drop, with 25-year-olds paying a third less what 18-year-old drivers are charged. Dairyland's average premiums reduce more than 55% during that same period.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll usually enjoy the most affordable auto insurance rates you can find. You've been on the road for years, and all that experience pays off when it comes to your monthly prices for car insurance.

So, which company offers the best premiums to retired drivers? Texas Farm Bureau gets the edge here, with average rates coming in at around $102 a month compared to Dairyland's $203.

Which is the Best Company for Married Drivers?

You may not be aware, but insurance premiums tend to be cheaper for married couples than they are for single policyholders. This usually boils down to married policyholders having more than one car on their policy -- something many auto insurance companies will reward with discounts.

When it comes to relationship status, Texas Farm Bureau is the clear winner for single drivers, with prices about $132 a month less expensive than Dairyland, on average. The advantage for married drivers with Texas Farm Bureau is also obvious, where drivers save almost 50% per month.

Dairyland vs. Texas Farm Bureau: Average Rates by Gender

Because men are more likely to get tickets and get into collisions, they are more likely to file a claim with insurance. Therefore, insurance carriers will tend to charge men more than women.

On average, men see premiums around 4% a month higher with Dairyland, and about 11% more with Texas Farm Bureau.

Looking at the data for each carrier specifically, Texas Farm Bureau offers the cheapest average prices for both men and women. On average, male drivers save about $113 per month and women save around $120 with Texas Farm Bureau compared to the average Dairyland policyholder.

Dairyland or Texas 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.

It's no secret that insurance can be a complicated subject for most people. There are a range of 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 an accident.

The two most common policies end up falling into two different types of coverage -- liability only (which covers the other party's property damage and injuries if you cause a collision) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to liability coverage).

If you're looking for state minimum limits for liability insurance, Texas Farm Bureau typically offers significantly more affordable rates of $87 compared to Dairyland's $142. When it comes to full coverage policies with similar limits, Texas Farm Bureau again has the edge, with policies about $200 a month less expensive than Dairyland, on average.

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

You've probably seen plenty of commercials from car insurance companies offering great premiums 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 tickets and accidents on your record, but which of these two carriers offers the lowest rates to drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Drivers with Texas Farm Bureau auto insurance policies don't report seeing their prices increase after getting a ticket, but Dairyland policyholders can expect to see their monthly bill increase by.

However, Texas Farm Bureau is normally the cheaper option for drivers both with clean records and with a ticket. Drivers with a clean record can save around $154 per month with Texas Farm Bureau Insurance, and the same can be said for those with a speeding ticket, too.

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 climbing by over $70. Texas Farm Bureau has a less extreme raise, but you can still expect to pay just under $45 more than you were prior to your first collision.

Overall, Texas Farm Bureau offers the cheapest prices for drivers with an at-fault accident on their records, with monthly premiums averaging $114 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 insurance bill. On average, Texas Farm Bureau will climb your prices about 76% after a DUI, while Dairyland's average rates climb by 5%.

If you have a DUI on your record and are looking for more affordable premiums, Dairyland tends to be the much more affordable option with average rates of $236 per month compared to $300 from Texas Farm Bureau.

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

You may not realized it, but your credit score can be used as one of the factors to calculate your monthly auto insurance prices. This isn't always the case (California, for example, has banned the use of credit score as a rating factor) but it does affect several policyholders out there.

Car insurance carriers argue that those with good credit scores are more likely to pay their bills on time each month, which reduces the risk involved on their end, while the opposite is true for those with bad credit.

So, which company offers the best premiums for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, you'll usually find a better deal with Texas Farm Bureau. Policyholders with "excellent" credit can save over 70% compared to Dairyland, and those with "good" scores can also expect to see savings -- around $136 or 56% less expensive every month.

Which Company is Best for Drivers with Bad Credit?

Texas Farm Bureau typically offers lower prices than Dairyland when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay about $113 a month less with Texas Farm Bureau compared to Dairyland, and those with "poor" scores typically save an average of around $57 monthly.

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

How much you drive can have a sizable impact on your monthly rates. That's because the fewer miles you drive, the less likely you are to get into an accident and cause an insurance claim.

In this case, neither Dairyland or Texas Farm Bureau report increasing premiums for drivers with higher annual mileage figures. Still, Texas 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 $139 per month for both.

Dairyland vs. Texas Farm Bureau: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can have a pretty big impact on your monthly insurance cost. Usually, if you live in an urban area with more cars on the road, you'll pay a little more for car insurance, while the opposite is true for people in rural areas.

Texas Farm Bureau boasts the lowest average premiums for drivers in every type of area, no matter if it's urban, suburban, or rural.

If you live in a rural area, you can expect to pay about $132 a month with Texas Farm Bureau and $203 with Dairyland. People in suburban areas pay around $128 with Texas Farm Bureau compared to Dairyland's $251 monthly. In urban areas, Texas Farm Bureau's average rates are about $158 while Dairyland offers prices around $314.

Dairyland vs. Texas Farm Bureau Discounts

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

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

In the section below, we've taken a look at all of the different discounts Dairyland and Texas Farm Bureau offer their customers so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Looking at the total number of discounts, Dairyland comes out ahead with 11 discounts to Texas Farm Bureau's six.

A couple of those are overlapping for things like discounts for insuring multiple cars with the same company and passive restraint discounts. Dairyland also offers advance quote discounts, agency transfer discounts, anti-theft discounts, and more that Texas Farm Bureau does not.

On the flip side, Texas Farm Bureau has a couple unique discounts of its own -- academic discounts, discounts for getting driver training, discounts for being a good driver, and more.

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

So, we've broken down the average rates for many of the variables car insurance companies look at, and walked through the different discounts each company offers, too. But, at the end of the day, which carrier is the best fit for you?

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

• You have a clean record.
• You already have a great credit score.
• 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 DUI charge on your record.
• You're looking for the company with the most discounts.

We hope this guide has ben a valuable resource as you compare Dairyland and Texas Farm Bureau and that you can now make a more informed decision when it comes to your auto 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 car insurance -- comparing quotes from several carriers, not just Dairyland and Texas Farm Bureau. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP codes below and get multiple quotes from some of the best insurance companies in your area, all for free.

Dairyland vs. Texas Farm Bureau FAQs

Is Dairyland or Texas Farm Bureau cheaper?

Looking just at the national average premiums, Texas Farm Bureau is the more affordable of the two carriers, offering average rates of $139 a month compared to $256 for Dairyland. That being said, Texas Farm Bureau won't necessarily be the most affordable carrier for each policyholder, since there are several different factors (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Dairyland or Texas Farm Bureau?

Sadly, the real answer is "it depends.". No single company is necessarily "better" for every driver -- it all boils down to your unique auto insurance profile. For example, Dairyland offers cheaper rates for drivers with a recent DUI, while Texas Farm Bureau is less expensive for drivers with excellent credit.

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

Car insurance companies take a look at a lot of different variables when calculating the prices they charge drivers. Things like your driving record, where your home is, gender, age, and sometimes even things like your credit score can all be used. Both Dairyland and Texas Farm Bureau calculate premiums using different formulas, so each one will most likely offer different rates. The only real way to see which carrier is the cheapest for you is by comparing personalized quotes from a bunch of different carriers.

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

The only way to find the auto 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, sites like Compare.com make it easy for you to do just that. Just enter your area information and you'll get free quotes from dozens of the best insurance carriers in your area. That way, you can guarantee you're getting the best price. And who knows, the best carrier for you might not be Dairyland or Texas Farm Bureau 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.