Dairyland Auto Insurance Review for 2022

Dairyland’s auto insurance quotes are higher than average because it insures high-risk drivers, but the company offers discounts and multiple coverage options.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Written by Sara Routhier
Director of Outreach Sara Routhier

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent Cynthia Lanctot

UPDATED: Sep 2, 2022

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A Concise Overview

  • Dairyland offers nonstandard auto and motorcycle insurance to high-risk drivers
  • Policyholders can file an SR-22 with Dairyland Insurance
  • Dairyland has received a significant number of customer complaints

If you are a high-risk driver looking for nonstandard car insurance coverage, you may want to consider Dairyland Insurance. Dairyland offers nonstandard auto and motorcycle insurance to high-risk drivers, and the company also provides SR-22 insurance filings for many policyholders.

Dairyland offers 24/7 customer service to its policyholders, and the company operates mainly online and over the phone. Dairyland auto insurance is available in 37 states, and the company has a fair number of customer complaints. Still, if you need high-risk coverage, learn more about your options with Dairyland car insurance.

What types of coverage does Dairyland offer?

Dairyland offers the standard options for auto insurance you would expect with most providers, including the following:

  • Liability. This coverage pays for property damage and bodily injury to others if you cause an accident..
  • Uninsured/underinsured motorist. This insurance covers damage that should have been covered by another party who either does not have coverage or does not have enough.
  • Collision. This insurance covers damages to your vehicle caused by an accident.
  • Comprehensive. This insurance covers damages to your vehicle caused by non-accident-related incidents, like inclement weather or vandalism.

In addition to the coverages listed above, Dairyland auto insurance offers the following add-on coverages to its customers:

  • Special equipment coverage. This covers custom parts you’ve added to your vehicle.
  • Lienholder policy. This covers what you owe on a loan if your car is totaled before you pay it off.
  • Nonowner insurance. This covers you if you’re in an accident in another person’s vehicle.
  • Towing and labor. This covers Dairyland roadside assistance and pickup services if you’re in a car accident.
  • Rental reimbursement. This covers transportation expenses you incur while your car is in the shop.
  • SR-22 filing. Dairyland will file an SR-22 for you to prove to the state you are financially responsible should anything happen while you’re behind the wheel.

If you need to file an SR-22, it’s nice to know Dairyland is a company that will help, because many providers drop clients once they find they must file an SR-22 with their state.

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How much is car insurance with Dairyland?

Dairyland auto insurance quotes suggest that coverage with the company is significantly more expensive than other insurers. The high price is because the company insures individuals who do not have clean driving records.

Before we start, here’s a look at the average annual cost of full coverage auto insurance for each state in the U.S.

A liability-only policy with Dairyland costs around $1,790 annually, over $900 more than the national average.

Full coverage with Dairyland costs around $4,242 per year, over $3,000 more than a similar policy with GEICO.

Take a look at the chart below to see how Dairyland rates compare for minimum liability coverage vs. full coverage auto insurance.

Even for drivers with underwhelming driving records, finding better rates with another company may be possible. For example, while a full coverage policy with Dairyland costs around $5,817 for someone with one accident on their record, the same policy costs around $4,000 less with State Farm.

You need to shop and compare Dairyland insurance quotes with other companies to see how much you could save on coverage.

Does Dairyland Insurance offer discounts?

Policyholders can save money on Dairyland insurance by pursuing discounts they may be eligible for, such as the following:

  • Multi-car
  • Online quote
  • Anti-theft devices
  • Homeowner
  • Renters insurance
  • Safe driving
  • Paid-in-full

If you believe you may qualify for a discount with Dairyland, call and speak with a representative to discover how much you could save on insurance rates.

Does Dairyland offer motorcycle insurance?

Dairyland offers the following options for motorcycle insurance:

  • Collision
  • Comprehensive
  • Bodily injury liability
  • Property damage liability
  • Personal injury protection
  • Medical expense
  • Uninsured/underinsured motorist

As you can see, the coverage options listed above are the same options Dairyland offers for car insurance policies. The company also offers the following add-ons:

  • Replacement cost coverage. This pays for a replacement bike if yours is totaled during a covered event.
  • Guest passenger coverage. This covers injuries that passengers sustain while on their motorcycle.
  • Physical damage-plus coverage. This pays to fix your damaged bike with parts from the original equipment manufacturer.
  • Rental reimbursement. This covers the cost of a rental when your bike is being repaired after a covered event.
  • Special equipment coverage. This covers special and nonstandard equipment and modifications on your bike if you’re in an accident.

These add-ons will increase your annual rates, but they could help bring the peace of mind you need when you get on your motorcycle.

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How much is Dairyland motorcycle insurance?

Rates for motorcycle coverage with Dairyland are more expensive than most other providers. The company charges around $881 annually for motorcycle coverage, which is over $200 more per year than rates with Nationwide.

You should get a quote from Dairyland to see how much you would pay for motorcycle coverage with the company.

Can you get discounts on Dairyland motorcycle coverage?

Dairyland offers the following discounts on motorcycle insurance:

  • Recent safety course
  • Harley Owners Group affiliations
  • Rider group
  • Loyalty
  • Homeowner
  • Multi-cycle
  • Multi-policy

Discounts could help you save a lot of money, so check with a Dairyland representative to see how much you could save on annual rates for motorcycle coverage.

Is Dairyland insurance good?

Dairyland Insurance Company has an A+ (Superior) financial strength rating with A.M. Best. In addition, the company has an A+ rating from the Better Business Bureau.

Unfortunately, Dairyland does have a high number of customer complaints. According to the National Association of Insurance Commissioners (NAIC), Dairyland insurance customer service has below-average ratings. While the average rating is 1.00, and a lower score indicates positive customer service, Dairyland scored 2.69.

Common complaints in Dairyland insurance reviews relate to policy cancellation, issues with settlement offers, and underwriting delays.

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What are the pros and cons of an insurance policy with Dairyland?

Some of the benefits of a Dairyland insurance policy include the following:

  • Coverage for nonstandard and high-risk drivers
  • SR-22 filings for clients

However, there are a few downsides to the company, including the following:

  • Expensive rates for coverage
  • Coverage is not available in each state
  • A high number of customer complaints

Before you commit to a policy with Dairyland, research other companies in your area to see what kind of coverage you could get and how much you would pay in annual premiums.

What is Dairyland’s corporate sustainability program?

Dairyland often partners with nonprofit organizations to complete different short-term initiatives. For example, the company works with the Arbor Day Foundation to plant trees. In addition, it creates local initiatives for motorcycle riders to give back to their communities through good deeds and acts of service.

Dairyland Auto Insurance: The Bottom Line

Dairyland offers several different coverage options to nonstandard drivers. If you need high-risk car insurance, Dairyland could be an excellent option for your car or motorcycle coverage needs.

If you have a good driving record, Dairyland rates are probably more expensive than rates you could get with other companies. Be sure to shop online and compare quotes with multiple providers before you make a final decision on coverage.

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Frequently Asked Questions

What other types of insurance does Dairyland offer?

Dairyland insures ATVs, snowmobiles, side-by-sides, and dirt bikes.

Is Dairyland insurance good?

Dairyland offers decent coverage, but the rates are incredibly high. If you are a nonstandard driver and need SR-22 coverage, Dairyland could work well for you. But if you have a clean driving record, you may want to look elsewhere.

Who owns the Dairyland insurance company?

Sentry Insurance owns Dairyland.

How can I cancel my Dairyland policy?

You will have to call the Dairyland insurance phone number and speak with a representative in your area to cancel your policy.

In which states can Dairyland offer coverage?

Dairyland insurance is available in Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Maine, Maryland, Minnesota, Mississippi, Missouri, Nebraska, Nevada, New Mexico, North Carolina, Ohio, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming.

Does Dairyland offer roadside assistance?

Dairyland offers roadside assistance coverage, which includes services for dead batteries, towing, flat tires, and breakdowns.

Reviews
for Dairyland

3.82 (172 reviews)
1
September 27, 2022

Bentboy

A complete mess of an insurance company!

After googling insurance companies to get an SR22, I came across Dairyland. [REDACTED NAME] was kind enough(and eager enough) to start my policy on September 12, in which I told agent I did not have funds in my account at the time to start the policy. She stated "No problem. We can start policy, and the company shouldn't try to withdraw my money till 2 days later on my deposit date. well, the withdrawal happened the day before my deposit date, an...
After googling insurance companies to get an SR22, I came across Dairyland. [REDACTED NAME] was kind enough(and eager enough) to start my policy on September 12, in which I told agent I did not have funds in my account at the time to start the policy. She stated "No problem. We can start policy, and the company shouldn't try to withdraw my money till 2 days later on my deposit date. well, the withdrawal happened the day before my deposit date, and not only did I have to pay my bank a decline fee, but my policy cancelled immediately. I contacted my agent on my actual deposit date, and she didn't hesitate to withdraw the starting fee plus the monthly amount(120.55 total). I received an email stating my policy had already cancelled and if I wanted to pay another amount, I could reactivate it. Called Dairyland, and they have no record of the money being applied to my account! So no it's a mess with my bank to start an investigation to get my funds back. Needless to say, I am in touch with the IABBB(International Better Business Bureau) since they are out of [REDACTED NAME]. DO NOT WASTE YOUR TIME WITH THIS COMPANY!
4
January 9, 2021

tylercornelison1

Dairyland are you in good hands?

the ;prices are incredible!!! the;y really beat progressive! i was paying 280 dollars a month and dairyland got me almost the same coverage for 182 dollars a month!
5
January 8, 2021

Llm122313

Love them

Great company cheap insurance compared to most companies. Ap needs to be updated besides that it’s great
2
November 21, 2020

MWuerth22

Doesn't Need To Have Cheap Features To Be Cheap

While the policy is pretty bare bones, which I expected and wanted, the app and complete lack of features is unnecessary. After purchasing a policy, I then tried to add another vehicle we purchased a few weeks later. I opened the app and spent 30 minutes trying to figure out where and how to add a vehicle to my existing policy. It turns out, you have to email customer service with the new vehicle information and request it be added. This takes da...
While the policy is pretty bare bones, which I expected and wanted, the app and complete lack of features is unnecessary. After purchasing a policy, I then tried to add another vehicle we purchased a few weeks later. I opened the app and spent 30 minutes trying to figure out where and how to add a vehicle to my existing policy. It turns out, you have to email customer service with the new vehicle information and request it be added. This takes days, which is invaluable time when you need to insure a vehicle. Not only that, but I never got confirmation of them receiving the vehicle info, never was told how much it would be to add it, or any correspondence from the company. It just showed up on my next billing cycle with an increased premium.
5
October 8, 2020

lilialespinoza

Excellent Customer Service

I love this company. Their customer service is awesome. They are available 24 hours and quick claims service.
1
October 6, 2020

tannaa

Horrible

Agents were very rude and unprofessional. There was a new bill every week with a different amount and it was very confusing and frustrating.
5
June 30, 2020

FosterCare2020

Inexpensive

They were inexpensive and simple. I paid over the phone every time my bill was due. They sent me email receipts.
5
June 19, 2020

anarchanoid

Awesome cheap insurance ocmpany

Really good and cheap insurance. Never had any issues whatsoever and will be with them for as long as I can.
1
June 16, 2020

Hollylj

It's like pulling teeth to get results after an accident

I am not a customer of this insurance. And I never will be! I was rear ended by a customer of sentry insurance and the claim had been transferred to dairyland. It's been over THREE WEEKS and I still don't have a quote from them to help me get into another car. My "mid life crisis" car that I paid way too much for.. is totaled. I still owe on it and I'm really, really worried about getting financing for another car. At this point, I almost don't ...
I am not a customer of this insurance. And I never will be! I was rear ended by a customer of sentry insurance and the claim had been transferred to dairyland. It's been over THREE WEEKS and I still don't have a quote from them to help me get into another car. My "mid life crisis" car that I paid way too much for.. is totaled. I still owe on it and I'm really, really worried about getting financing for another car. At this point, I almost don't care if I get in a beater upper car, I just want closure. and a vehicle. This company will not contact you, you have to do all the leg work... And you STILL won't get results
4
May 5, 2020

191300

Good cheap insurance

Good cheap insurance, I never was in a accident or filed a claim while insured through them but was happy with my state requirements of liability insurance for my car.
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