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

Quick Facts

• In general, Travelers offers significantly cheaper premiums than Dairyland
• Travelers offers less expensive average prices for policyholders who live in the suburbs
• Travelers has more affordable rates for drivers who have a speeding ticket on their driving record

Dairyland or Travelers: 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 Travelers as your top options, but which one will offer you less expensive premiums?

Looking at nationwide averages, Dairyland has average rates that are around 35% a month more expensive than those from Travelers.

But that doesn't necessarily mean Travelers will be the more affordable option for every driver. Auto insurance carriers use a ton of complex algorithms to determine prices, so depending on how good your credit score is or how old you are (among several other factors), you could see wildly different rates from the ones above.

Luckily, we've broken down average prices from both Dairyland and Travelers by lots of different rate factors, so read on to find out which carrier is the best for you.

Dairyland vs. Travelers: Average Car Insurance Rates by State

Dairyland and Travelers compete against each other in eight states, with Travelers offering cheaper premiums to the average driver in all of them. Delaware has the most noticable difference, where Travelers prices are $264 less expensive than car insurance premiums at Dairyland.

But there's more to auto insurance than just your home state. As we mentioned above, there's a lot of things that go into how insurance companies calculate your rates. Read on to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive car insurance prices of any group on the road. It's because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

Even so, that doesn't mean that teen drivers have to just accept sky-high auto insurance premiums. As you can see above, teens who use Travelers save over 35% per month compared to those who use Dairyland.

That being said, both carriers will reduce rates once you turn 25. For example, average premiums for Dairyland policyholders decrease about $300 and Travelers's prices lower around $200 over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll generally enjoy the lowest insurance rates you'll ever 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? Travelers gets the edge, with rates for drivers 65 and older almost 35% more affordable than the national average for Dairyland.

Which is the Best Company for Married Drivers?

Married couples tend to get slightly cheaper insurance prices than single policyholders. That's because policies for married policyholders normally cover more than one vehicle, which lots of companies will give you a discount for.

For those who are single, the difference in average premiums between these two carriers is significant, with Travelers rates coming in at a third less than Dairyland's. The advantage is also clear for married drivers - Travelers offers the most affordable average premiums.

Dairyland or Travelers: Average Rates by Gender

You may not know, but auto insurance is usually cheaper for women than it is for men. This is because men are statistically more likely than women to get into collisions and file an insurance claim, which leads to increased risk for insurers and, therefore, higher prices.

Men typically pay about $10 a month more than women with Dairyland, and around $11 more with Travelers.

Looking at overall affordability, Travelers comes out on top for both men and women. On average, women save about $90 per month and men save about $89 with Travelers compared to the average Dairyland policyholder.

Dairyland vs. Travelers: 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. 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.

The two most common policies end up falling into two different types of coverage -- liability coverage (which provides bodily injury and property damage coverage for other drivers and their passengers if you cause a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- alongside liability coverage).

Looking specifically at state minimum limits for liability insurance, Travelers has the edge, with average monthly rates coming in at $108. If you want a full coverage policy with the same state minimum limits, Travelers again has the edge, with policies averaging around $225 a month to Dairyland's $370.

Is Dairyland or Travelers 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.

Speeding tickets and at-fault accidents will most likely raise your prices, but is Dairyland or Travelers more affordable for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Dairyland for their insurance can usually expect their monthly bill to go up about 15% after getting a speeding ticket. Travelers policyholders can expect a bit more drastic of an increase of around 20%.

However, Travelers is typically the less expensive option for drivers both with a ticket and with a clean record. With Travelers, drivers with a clean record can save about $97 per month and drivers with a speeding ticket can save around $105 a month.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their auto insurance through Dairyland can expect to see about an $72 -- or around 24% -- rise in their car insurance rates. Drivers who use Travelers for their auto insurance will see a monthly bill about $45 (or 26%) more expensive after reporting an accident to their insurance carrier.

At the end of the day, the cheaper premiums come from Travelers, with average rates coming in at $173 compared to Dairyland's $297.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly car insurance bill -- normally a lot more than a collision or ticket. On average, Travelers will climb your prices around 38% after a DUI, while Dairyland's average premiums rise by 5%.

How does Credit Score Impact Dairyland and Travelers Rates?

Often times, your credit score can come into play when companies determine your monthly bill. This isn't true for everyone (Hawaii, for example, has banned the use of credit score as an insurance factor) but it does affect a lot of drivers out there.

The reasoning insurance carriers use is that policyholders with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper rates, while those with poor credit will generally be forced to pay more.

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

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

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

How much you drive can have a substantial impact on your monthly prices. Usually, the more milage you drive, the more you can expect to pay for coverage.

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 rates for Travelers, with policyholders who drive the least paying about $5 less every month compared to those who drive 12,000 miles yearly. Still, for drivers in both categories, Travelers is the less expensive carrier.

Dairyland or Travelers: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can have a sizable impact on your monthly auto insurance cost. Normally, policyholders who live in heavily-populated urban areas will pay quite a bit more than rural drivers due to the number of cars that are on the roads where they live.

Travelers tends to offer the lowest rates for drivers in all areas, regardless of if they're urban, suburban, or rural.

Those in rural areas can expect to save around 33% with Travelers compared to Dairyland. People who live in suburban areas pay about 36% less with Travelers compared to Dairyland. For policyholders in urban ZIP codes, Travelers's average prices are around 35% less than Dairyland.

Dairyland vs. Travelers Discounts

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

But with what seems like a million different discounts out there, it can be challenging 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.

Luckily, we did the hard work for you and compared all of the different discounts offered by Dairyland and Travelers so that you can easily see which company offers the most discounts and, therefore, the largest savings.

Travelers blows Dairyland away when it comes to the sheer amount of discounts available, offering 14 more discounts than Dairyland.

Both companies offer several of the same discounts -- like anti-theft discounts, discounts for being a good student, and discounts for insuring multiple cars with the same company -- but Travelers also offers discounts for ABS, alternative fuel, continuous insurance, and more.

On the other hand, Dairyland has a few proprietary discounts of their own for things like agency transfer discounts, homeowner discounts, prior insurance discounts, and more.

Final Thoughts: Is Dairyland or Travelers Best for You?

You've seen the role certain variables have on your insurance and the different discounts carriers offer. But, when it comes down to it, which company is the right fit for you?

Travelers might be best for you if....

• Your driving record includes a DUI charge.
• You're looking for discounts -- Travelers has the most.
• You want to save money while purchasing auto insurance for a teenager.

Dairyland might be best for you if...

• You have a more unique driver profile than those we mentioned above.

Hopefully, this guide helps you get a better idea of the difference between Dairyland and Travelers. 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 best 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 Travelers. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP codes below and get free quotes from dozens of top insurance carriers in your area, all in just a few minutes.

Dairyland vs. Travelers FAQs

Is Dairyland or Travelers cheaper?

Travelers is the more affordable of the two companies when looking at national average premiums, with policies averaging $167 per month with Travelers and $256 for Dairyland. Even so, that doesn't mean Travelers will be the most affordable carrier for everyone, since there are several different factors (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Dairyland or Travelers?

Sadly, the only answer we can give you is "it depends.". One company is not necessarily "better" for everyone -- it all depends on the makeup of your unique car insurance profile.

Why do Dairyland and Travelers offer me different rates?

Insurance carriers use several different variables when determining the prices they charge. Things like your driving record, where your home is, gender, age, and sometimes even things like your credit score can all be taken into consideration. Both Dairyland and Travelers calculate premiums differently, so it's likely they'll offer different rates. The best way to determine which carrier is the lowest for you is by comparing personalized quotes from a range of different companies.

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

The only way to find the car insurance company 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 information once and you'll get quotes from dozens of your local top auto insurance companies for free. That way, you can guarantee you're getting the cheapest price. And maybe you'll find that the best carrier for you isn't Dairyland or Travelers 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.