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

Quick Facts

• Looking at the national averages for insurance, Trexis offers less expensive prices than Dairyland
• Trexis tends to be a much more affordable option for residents of rural areas
• Trexis has less expensive rates for policyholders who live in the suburbs

Dairyland vs. Trexis: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching your auto insurance. You've probably seen commercials and billboards from companies offering large discounts, but exactly how much money can you save by switching?

You might have narrowed it down to Dairyland or Trexis as potential options, but between the two, which carrier has cheaper premiums for auto insurance?

Looking at nationwide averages, Dairyland has average rates that are about 14% per month more expensive than those from Trexis.

But that doesn't necessarily mean Trexis will be the more affordable option for every single driver. Car insurance companies use all sorts of complex algorithms to calculate rates, so depending on where you live or how clean your driving record is (among a variety of other factors), you could see wildly different prices from the ones above.

Wanting to know if Dairyland or Trexis is really the right carrier for you? Keep on reading to see how average premiums can change based on all of the factors we've mentioned above.

Dairyland or Trexis: Average Car Insurance Rates by State

Dairyland and Trexis only compete against each other in one states, with Trexis offering cheaper prices to the average driver in all of them. Arkansas has the most noticable difference, where Trexis rates are over 30% more affordable than insurance prices at Dairyland.

But there's more to calculating auto insurance rates than just where you live. 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 because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

That being said, that doesn't mean teen drivers can't still save money on their car insurance. For example, 18-year-old drivers pay an average of nearly $25 less a month by choosing Trexis over Dairyland.

However, both carriers will offer you dramatically lower rates once you turn 25. For example, average premiums for Dairyland policyholders reduce more than 55% and Trexis's prices decrease almost 65% over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age typically enjoy some of the lowest auto insurance rates you'll ever see. After all, they've likely been driving for quite some time, which normally lowers their chances of accidents and other infractions that can increase prices.

But who has the best premiums for retired drivers between Dairyland and Trexis? Trexis gets the edge, with rates for drivers 65 and older $32 less expensive than the national average for Dairyland.

Which is the Best Company for Married Drivers?

Did you know that car insurance prices are generally more expensive for those who are single than they are for married couples? That's because policies for married policyholders usually cover more than one car, which lots of companies will offer you a discount for.

When it comes to relationship status, Trexis is the clear winner for single policyholders, with premiums around $33 per month more affordable than Dairyland, on average. For married drivers, the advantage is clear again - Trexis has the edge when it comes to average prices.

Dairyland vs. Trexis: Average Rates by Gender

Men normally 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 about $10 a month less than men, while with Trexis, the difference is closer to $20 per month.

Looking at the data for each company specifically, Trexis comes out as the most affordable option for both genders, with average premiums $31 less for men and $41 cheaper for women.

Dairyland or Trexis: 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 isn't the easiest topic to understand. There are many different coverages that account for several 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.

Even so, most policies that many drivers look at fall into two categories -- liability only (which provides property damage and bodily injury coverage for other drivers if you cause a collision) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to what you get with liability coverage).

If you're looking for state minimum liability insurance, Trexis generally offers less expensive rates of $108 compared to Dairyland's $142. When it comes to full coverage policies with similar limits, Trexis again has the edge, with policies around $35 a month cheaper than Dairyland, on average.

Is Dairyland or Trexis 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.

It's no secret secret that tickets and at-fault collisions lead to higher premiums, but which carrier -- Dairyland or Trexis -- has the cheapest prices for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Dairyland policyholders can expect their premiums to go up an average of $40 per month if they get a ticket, while Trexis usually raises prices about $43 a month, on average.

That being said, Trexis is typically the more affordable option for drivers both with a speeding ticket and with a clean record, offering rates that are 19% and 15% less expensive, respectively, compared to Dairyland.

Which Company is Best for Drivers After an Accident?

Both carriers will raise premiums pretty significantly if you get into an at-fault accident with Dairyland increasing by over $70. Trexis has a less extreme raise, but you can still expect to pay $65 more than you were prior to your first collision.

Overall, drivers who use Trexis end up with the cheaper prices after an accident, with monthly prices averaging $247 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 accident or ticket when it comes to your insurance bill. Trexis drivers usually see a 19% increase in their car insurance rates after a DUI charge, while Dairyland will usually climb premiums by around 5%.

If you have a DUI on your record and are looking for more affordable rates, Trexis tends to be the much cheaper option with average prices of $226 per month compared to $236 from Dairyland.

How does Credit Score Impact Dairyland and Trexis Rates?

In many cases, your credit score can be used as one of the factors to determine your monthly auto insurance premiums. Certain states and companies do not allow for credit score to be used as a rating factor, but it might come into play for a lot of drivers.

The reasoning insurance carriers use is that policyholders with bad credit will be less likely to pay their bills on time; so generally, they'll be asked to pay more, while those with good credit will be rewarded with more affordable prices.

So, which company offers the lowest rates for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

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

The amount of time you spend behind the wheel of your car plays a big role in how much car insurance companies will charge for coverage. Normally, the more miles you drive, the more you can expect to pay for coverage.

In this case, neither Dairyland or Trexis report increasing prices for drivers with higher annual mileage figures. Trexis comes out as the cheapest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their car each year, with average rates of $220 per month for both.

Dairyland vs. Trexis: Compare Rates for Urban, Suburban, and Rural Drivers

Where you park your vehicle can play a substantial role in how much you pay for auto insurance. 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.

Trexis boasts the lowest average rates 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 premiums from both carriers, but Trexis comes out on top with average prices about $167 monthly. Trexis also has cheaper average rates for drivers in urban and suburban ZIP codes -- a $44 and $28 a month respective difference when compared to Dairyland policyholders in similar areas.

Dairyland vs. Trexis 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.

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 company that has the most discounts for your unique driver profile.

In the table below, we've taken a look at all of the different discounts Dairyland and Trexis 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, Trexis has the advantage when it comes to total number of discounts. Dairyland offers a grand total of 11 discounts, while Trexis has 16.

There are a couple discounts both companies offer, but Trexis also offers driver training discounts, education discounts, EFT discounts, and more that Dairyland does not.

On the flip side, Dairyland has a couple unique discounts of its own -- anti-theft discounts, passive restraint discounts, prior insurance discounts, and more.

Final Thoughts: Is Dairyland or Trexis Best for You?

You've seen the role certain variables have on your insurance and the different discounts carriers offer. That's all well and good, but at the end of the day, which insurance carrier is the right one for you and your specific profile and needs?

Trexis might be best for you if....

• You have a DUI charge on your record.
• You're looking for more protection with "full coverage" car insurance.
• You don't spend much time in your car.

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 Trexis and that it aids in making a more informed decision about your insurance.

At the end of the day, the best way to make sure you're getting the best deal on your car insurance policy is to compare quotes from multiple companies, not just Dairyland and Trexis. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP codes below and get multiple free quotes from some of the best auto insurance carriers in your area, all in just a few minutes.

Dairyland vs. Trexis FAQs

Is Dairyland or Trexis cheaper?

Looking just at the national average prices, Trexis is the less expensive of the two companies, offering average rates of $220 per month compared to $256 for Dairyland. But Trexis won't necessarily be the cheapest company for everyone, since there are lots of different factors that come into play when it comes to your car insurance payment.

Who is better, Dairyland or Trexis?

Unfortunately, the only answer we can give you is "it depends.". No single carrier is "better" for everyone -- it all comes down to what your unique auto insurance profile looks like.

Why do Dairyland and Trexis offer me different rates?

Insurance carriers take a look at several different variables when calculating the premiums they charge drivers. Things such as your driving record, age, where you call home, gender, and sometimes even things like your credit score can all come into play. Both Dairyland and Trexis use different formulas, so each one will most likely offer different rates. The only real way to see which company is the most affordable for you is by comparing personalized quotes from a variety of different companies.

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

The only way to find the car 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 insurance companies in your area. That way, you can guarantee you're getting the best rate. And who knows, the best company for you might not be Dairyland or Trexis 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.