GEICO vs. Dairyland: Which Company is Better in 2022?

If you're in the market for a new insurance policy, you might be wondering how Dairyland and GEICO compare when it comes to the lowest rates and biggest discounts. To find out which of these companies is the best fit for you and your wallet, check out our newest guide below.
Newly insured car driving down the road
Why You Can Trust Compare.com trust shield

At Compare.com, it's our mission to find simple ways to help our customers save money on the things they need. While we partner with some of the companies and brands we talk about in our articles, all of our content is written and reviewed by our independent editorial team and never influenced by our partnerships. Learn about how we make money, review our editorial standards, and reference our data methodology to learn more about why you can trust Compare.com.

Quick Facts

  • Looking at the national averages for auto insurance, GEICO offers significantly less expensive premiums than Dairyland
  • GEICO may help you save more money -- they offer more discounts than Dairyland
  • Dairyland offers more affordable average prices for drivers with a DUI


GEICO or Dairyland: Which Company has the Cheapest Car Insurance?

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

You might be considering GEICO or Dairyland, but between the two, which company has cheaper premiums for auto insurance?

GEICO Dairyland
$185$256

As you can see, GEICO has average rates that are around 30% a month less expensive than those from Dairyland when looking at the national average rates for insurance.

But that doesn't mean GEICO will necessarily be cheaper than Dairyland for every driver. After all, auto insurance carriers can offer drastically different rates to every driver depending on rating factors like your age, your driving record, where you call home, or even your credit score (among other things). So, at the end of the day, prices from each carrier will differ quite a bit from person to person.

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

GEICO vs. Dairyland: Average Car Insurance Rates by State

State GEICO Dairyland
AR$135$190
DE$222$412
ID$110$118
KS$185$201
NV$177$312
OR$208$251
PA$203$294
SC$127$327
TX$171$198

GEICO and Dairyland compete against each other in nine states, with GEICO offering more affordable prices to the average driver in all of them. South Carolina has the most noticable difference, where GEICO premiums are $200 cheaper than insurance rates at Dairyland.

There are plenty of other factors that go into your car insurance bill than just where you call home. Keep reading to learn more.


Find your best rate in just a few minutes


Which is the Best Company For Young Drivers

GEICO Dairyland
18-year-old drivers$369$524
25-year-old drivers$163$232

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

Even so, that doesn't mean that teen drivers have to just accept sky-high auto insurance prices. As you can see above, teens who use GEICO save over 30% per month compared to those who use Dairyland.

However, both companies will offer you dramatically lower rates by the time you turn 25. For example, average premiums for GEICO policyholders reduce about $200 and Dairyland's rates drop around $300 over that time.

Which is the Best Company for Retired Drivers?

GEICO Dairyland
65+-year-old drivers$148$203

Once you approach retirement age, you'll generally enjoy the most affordable car 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 prices to retired drivers? GEICO gets the edge here, with average rates coming in at about $148 monthly compared to Dairyland's $203.

Which is the Best Company for Married Drivers?

GEICO Dairyland
Single$208$296
Married$154$202

You may not be aware, but car insurance premiums tend to be more expensive for single drivers than they are for married policyholders. That's because policies for married drivers normally cover several vehicles, which many carriers will give you a discount for.

For single policyholders, the difference in average rates between these two companies is significant, with GEICO prices coming in at around 30% less than Dairyland's. The advantage for married couples with GEICO is also obvious, where drivers save almost $50 a month.

GEICO or Dairyland: Average Rates by Gender

GEICO Dairyland
Male$189$261
Female$181$251

Men are statistically more likely than women to get into a collision or get pulled over for speeding. That means when it comes to auto insurance men will typically end up paying a little more.

On average, men see premiums about 4% per month higher with GEICO, and around 4% with Dairyland.

When it comes to the cheapest rates for each gender, GEICO comes out on top for both men and women. On average, women save about $70 a month and men save about $72 with GEICO compared to the average Dairyland policyholder.


Find your best rate in just a few minutes


GEICO vs. Dairyland: Compare State Minimum vs. Full Coverage Rates

GEICO Dairyland
State Minimum*$101$142
Full Coverage**$269$370

*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.

Car insurance can be a complicated subject for most people. Everyone needs insurance, but there are so many different terms and coverages that it can be hard to find the right policy for you.

That being said, the most common policies that drivers look at fall into two categories -- liability coverage (that covers property damage and bodily injury for other drivers if you cause an accident) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to what you get with a liability policy).

Looking specifically at state minimum liability limits, GEICO has the significant edge, with average monthly prices coming in at $101. If you want a full coverage policy with the same state minimum limits, GEICO again has the edge, with policies averaging around $269 per month to Dairyland's $370.

Is GEICO or Dairyland Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their auto insurance. But that's not to say you can't save money if you don't have the best driving record, either.

Collisions and speeding tickets will most likely raise your premiums, but is GEICO or Dairyland less expensive for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

GEICO Dairyland
Clean Record$115$225
1 Speeding Ticket$150$265

Policyholders who use GEICO for their insurance can normally expect their monthly bill to go up about 23% after getting a speeding ticket. Dairyland policyholders can expect a less drastic increase of around 15%.

However, GEICO has more affordable rates for drivers in both categories, offering premiums that are $110 and $115 less expensive, respectively, compared to Dairyland.

Which Company is Best for Drivers After an Accident?

GEICO Dairyland
Clean Record$115$225
1 At-Fault Accident$200$297

Both carriers will raise prices pretty significantly if you get into an at-fault collision with GEICO climbing by about 43%. Dairyland has a less extreme increase, but you can still expect to pay nearly 25% more than you were prior to your first accident.

At the end of the day, the cheaper premiums come from GEICO, with average prices coming in at $200 compared to Dairyland's $297.

Which Company is Best for Drivers with a DUI?

GEICO Dairyland
Clean Record$115$225
1 DUI$275$236

If you get a DUI charge, you can expect some pretty significant increases in your monthly car insurance bill -- usually a lot more than a collision or ticket. GEICO drivers usually see a 58% climb in their auto insurance rates after a DUI charge, while Dairyland will generally raise prices by around 5%.

But if you end up with a DUI charge and are looking for more affordable premiums, Dairyland tends to be more affordable for the average driver, with monthly premiums coming in at about $236 to GEICO's $275.


Find your best rate in just a few minutes


How does Credit Score Impact GEICO and Dairyland Rates?

In many cases, your credit score can be used as one of the variables to determine your monthly car insurance rates. This isn't true for everyone (Massachusetts, for example, has banned the use of credit score as an auto insurance factor) but it might come into play for several drivers.

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

Looking specifically at Dairyland and GEICO, which one has the best prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

GEICO Dairyland
Excellent Credit Score$131$221
Good Credit Score$164$244

If you have a great credit score, GEICO will usually reward you the most. For drivers with "excellent" credit scores, GEICO comes in more than 40.72 cheaper. Drivers with "good" credit scores generally save around 33% with GEICO compared to average rates from Dairyland.

Which Company is Best for Drivers with Bad Credit?

GEICO Dairyland
Fair Credit Score$197$260
Poor Credit Score$253$299

GEICO typically offers lower premiums than Dairyland when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay about 24% a month less with GEICO compared to Dairyland, and those with "poor" scores normally save an average of around 15% per month.


Find your best rate in just a few minutes


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

GEICO Dairyland
6,000 Annual Miles$181$256
12,000 Annual Miles$189$256

How much you drive can have a large impact on your monthly auto insurance cost. Typically, the more milage you put on your car each year, the more you can expect to pay for car insurance.

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 GEICO, with drivers who put 6,000 miles on their vehicle yearly paying about $8 less each month compared to those who drive 12,000 miles annually. Still, for drivers in both categories, GEICO is the less expensive company.

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

Where your home is can have a considerable impact on your monthly insurance payment. Normally, those who live in rural areas will pay less than policyholders in urban areas since there are a lot fewer cars on the roads where they live.

GEICO Dairyland
Urban Areas$211$314
Suburban Areas$185$251
Rural Areas$159$203

When comparing these two carriers side-by-side, GEICO generally comes out as the most affordable option for drivers in all areas, regardless of if they're urban, suburban, or rural.

For drivers in urban ZIP codes, GEICO's average prices are around $103 less than Dairyland. People who live in suburban areas pay about $66 less with GEICO compared to Dairyland. Those in rural areas can expect to save around $44 with GEICO compared to Dairyland.

GEICO vs. Dairyland Discounts

No matter why you might be in the market for a new auto insurance policy, you're always going to want to save as much money as you can, and the best way to do that is by taking advantage of as many car insurance discounts as possible.

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.

Luckily, we did the hard work for you and looked at all of the different discounts GEICO and Dairyland offer their customers so that you can find the carrier that has the most discounts and, therefore, the largest savings.

GEICO Dairyland
ABS Discount 
Advance Quote Discount 
Agency Transfer Discount 
Anti-Theft Discount
Commercial Drivers License Discount 
Covid-19 Relief Discount 
Defensive Driver Discount
Deployed Driver Discount 
Distant Student Discount 
Driver Training Discount 
DRL Discount 
EFT Discount 
Employee Discount 
Full Coverage Discount 
Good Driving Discount 
Good Student Discount
Group Discount 
Homeowner Discount 
Mature Driver Discount 
Military Discount 

GEICO knocks Dairyland out of the park when it comes to the sheer number of discounts available, offering 17 more discounts than Dairyland.

There are a couple discounts both companies offer, but GEICO also offers discounts for ABS, commercial drivers license, COVID-19 relief, and more.

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


Find your best rate in just a few minutes


Final Thoughts: Is GEICO or Dairyland Best for You?

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

GEICO is best for you if....


Dairyland is best for you if...

Hopefully, this guide helps you get a better idea of the difference between GEICO and Dairyland. We also hope we've given you the information you need to make the best decision about 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 companies, not just GEICO and Dairyland. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP codes below and get multiple free quotes from some of the best insurance carriers in your area, all in just a few minutes.


Find your best rate in just a few minutes


GEICO vs. Dairyland FAQs

Is GEICO or Dairyland cheaper?

GEICO is the more affordable of the two companies when looking at national average premiums, with policies averaging $185 per month with GEICO and $256 for Dairyland.

Who is better, GEICO or Dairyland?

Unfortunately, the real answer is "it depends.". Neither company is necessarily "better" for everyone -- it all depends on the makeup of your unique car insurance profile. For example, GEICO is cheaper for drivers with excellent credit, while Dairyland offers less expensive prices for drivers with a recent DUI.

Why do GEICO and Dairyland offer me different rates?

Insurance carriers use quite a few different variables when determining the rates they charge. Things such as where you call home, gender, where you park your vehicle, age, and sometimes even things like your credit score can all be used. Both GEICO and Dairyland 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 GEICO or Dairyland is right for me?

The only way to find the auto 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, sites like Compare.com do all the hard work for you. Just enter your information once and you'll get quotes from dozens of your local top car insurance companies for free. With those, you can guarantee you're getting the cheapest price. And maybe you'll find that the best carrier for you isn't GEICO or Dairyland at all, but another you hadn't even thought of!


Methodology

All data in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of data to determine all of the average rates referenced above. All data is reported by each carrier to statewide insurance bureaus and is up-to-date as of July 1, 2021.

About Compare.com

Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.

  • All of Compare.com's content is written and reviewed for accuracy by a team of experienced writers and editors who are experts on the topics they cover.
  • None of Compare.com's content is ever influenced by the companies and brands we partner with.
  • Compare.com's editorial team operates independently of any of the company's partnership or business development interests. We publish unbiased information strictly for the benefit of our readers.
  • All of the content you see on Compare.com is based on comprehensive analysis and all data is gathered and vetted from trustworthy sources.

Learn more about us, our team, and what makes us tick.

Find your best rate in just a few minutes