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Choosing the right car insurance provider takes careful consideration. If you're considering Dairyland, examining its rates closely will help you determine if it's the best fit for your needs. However, we recommend gathering quotes from several providers to ensure you're securing the best value and maximizing your savings on car insurance.
Dairyland car insurance pricing per month
Dairyland charges an average of $260 per month for a full-coverage car insurance policy. Drivers who choose minimum liability-only coverage pay an average of $97.
Keep in mind these are average figures. Your actual rate will depend on multiple factors including your age, where you live, your credit score, and your driving history. While your personal Dairyland rate may be different, these averages provide a useful benchmark for comparing different providers.
| Dairyland average monthly cost | National average monthly cost | |
| Full coverage | $260 | $186 |
| Liability-only | $97 | $104 |
Dairyland's rates versus other car insurance providers
Each insurance company evaluates risk differently and offers various discounts, which means pricing varies across providers. Comparing quotes will show you exactly how Dairyland performs for your particular circumstances.
| Provider | Average monthly full coverage cost | Average monthly liability-only cost |
| State Farm | $114 | $59 |
| Progressive | $182 | $106 |
| GEICO | $148 | $95 |
| Allstate | $148 | $79 |
| USAA | $105 | $56 |
| Dairyland | $260 | $97 |
Dairyland's rates by age
Age plays a significant role in how Dairyland prices its policies, just like most other insurers. Car insurance for teen drivers carries the highest costs, with full-coverage premiums averaging $394 per month.
Rates usually decline as you enter your 20s, with Dairyland averaging $299. The downward trend continues through your 30s at an average of $253 and into your 40s at $230.
The most favorable rates typically come in your 50s and 60s, with average monthly costs of $212 and $211, respectively.
Rates might increase again once you reach your 70s, averaging around $239 per month. This pattern demonstrates how risk assessment changes throughout different life stages.
| Age group | Dairyland average monthly full coverage cost | National average monthly cost |
| Teens | $394 | $360 |
| 20s | $299 | $242 |
| 30s | $253 | $199 |
| 40s | $230 | $191 |
| 50s | $212 | $177 |
| 60s | $211 | $159 |
| 70s | $239 | $162 |
Dairyland's rates for high-risk drivers
Drivers with traffic violations or accidents on their record typically face higher rates with Dairyland. High-risk drivers with a speeding ticket pay around $321 per month on average, while an at-fault accident increases monthly rates to approximately $339.
DUI convictions result in the steepest premium increases, with average monthly costs reaching $384. While these numbers reflect typical high-risk pricing, your actual rate will vary based on the recency of the incident and other individual factors.
| Driving record | Dairyland average monthly full coverage cost | National average monthly cost |
| Accident | $339 | $249 |
| Speeding ticket | $321 | $241 |
| DUI | $384 | $275 |
How does your credit score affect your rate with Dairyland?
Most states allow insurers to factor credit scores into rate calculations. The four exceptions are California, Hawaii, Massachusetts, and Michigan.
Where credit-based pricing applies, Dairyland modifies rates according to credit tier. Excellent credit earns the lowest average rate at $228 per month, while good credit results in slightly elevated rates near $250.
Drivers with average credit scores face monthly premiums around $254, while poor credit pushes average costs to approximately $318 per month.
These figures show credit's substantial impact on premiums, though your final rate will incorporate other personal rating factors as well.
| Credit score | Dairyland average monthly cost of full coverage | National average monthly cost |
| Excellent | $228 | $164 |
| Good | $250 | $179 |
| Average | $254 | $194 |
| Poor | $318 | $228 |
FAQs
How does Dairyland's pricing compare to other nonstandard insurers?
As a nonstandard insurance provider, Dairyland's full coverage policies average on the higher side compared to the national average. When compared specifically to other nonstandard insurers like Bristol West, The General, or Infinity, Dairyland's rates tend to fall on the higher end of the spectrum as well. This pricing structure reflects Dairyland's willingness to insure drivers with DUIs, multiple violations, or coverage gaps who face difficulty obtaining policies elsewhere. Your actual rate could differ significantly depending on factors like your state, driving record, and the specific violations on your history.
Does Dairyland offer competitive rates for motorcycle insurance?
Dairyland has built a strong reputation in the motorcycle insurance market since Sentry Insurance acquired them in 1966. The company provides affordable comprehensive motorcycle coverage for basic policies, along with specialized options like replacement cost coverage for bikes three years or newer, Physical Damage-Plus coverage using OEM parts, and guest passenger protection. While individual quotes will vary based on your bike type, riding experience, and location, Dairyland's focus on motorcycle coverage could make them more competitive in this niche than general-purpose insurers.
Will my Dairyland rates decrease if my driving record improves?
While Dairyland insures high-risk drivers initially, your premiums could potentially decrease as your driving record improves over time, though this isn't guaranteed. Insurance companies typically review your driving history at each policy renewal, usually every six or 12 months. If you maintain a clean record without new violations, accidents, or claims, you might see gradual rate reductions with Dairyland. If your driving record does improve, consider comparing quotes from multiple carriers at each renewal to ensure you're getting the best value as your risk profile changes.
Bottom line
Should you choose Dairyland as your car insurance company? The most reliable approach is gathering quotes from both Dairyland and competing insurers, then evaluating them on price and service quality.
Data throughout provided by Insurify.
Average rate:
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