Dairyland Auto Insurance Review (2024) | AutoInsurance.org (original) (raw)
Dairyland auto insurance is a Wisconsin-based company that began selling coverage in 1953, specializing in high-risk auto insurance. Whether you have too many at-fault accidents, multiple traffic incidents, or DUI convictions on your driving record, Dairyland offers SR-22 coverage when other companies won’t.
Dairyland specializes in auto and motorcycle insurance in 38 states. Unfortunately, Dairyland insurance quotes are higher than most competitors since it works with high-risk drivers. However, it’s one of the best auto insurance companies if you need to file SR-22.
You can even get Dairyland insurance roadside assistance if you get stranded while driving. Just call the Dairyland roadside assistance phone number. So, read on to learn whether Dairyland insurance is right for you and see if the company has good customer service. Then, enter your ZIP code into our free quote comparison tool above to find the most affordable policy.
- What You Should Know About Dairyland
- Deciding Whether Dairyland Insurance Is a Good Company
- Dairyland Insurance Coverage Options
- Dairyland Motorcycle Insurance Coverage Options
- Other Dairyland Insurance Coverage Types
- Dairyland Insurance Rates Breakdown
- Dairyland Discounts Available
- Frequently Asked Questions
What You Should Know About Dairyland
All insurance companies have strengths and weaknesses. Dairyland is a little different than the standard insurance company because it focuses on high-risk coverage.
Starting with the positive, you can look forward to the following perks with Dairyland:
- Works with high-risk drivers other companies reject
- Will file SR-22 forms, sometimes for free
- Excellent coverage options for motorcycle drivers
As with most high-risk insurance companies, Dairyland has a few drawbacks. These include:
- Not available in all 50 states
- High rates
- More complaints than companies similar in size
If you don’t need high-risk insurance, you’ll probably see better rates with standard companies. However, drivers with marks on their records might find the right coverage with Dairyland.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Deciding Whether Dairyland Insurance Is a Good Company
Generally speaking, Dairyland is a good insurance company for a specific type of driver. It’s not the best option for people with clean driving records, but Dairyland offers excellent coverage for people with DUIs, multiple tickets, or at-fault accidents.
Read More:
- Auto Insurance for Drivers With a DUI
- Auto Insurance for Drivers With a Bad Driving Record
- Auto Insurance for Drivers With Accidents
Professional rating companies tend to look favorably at Dairyland. For example, A.M. Best ranks companies on their financial stability. The higher the score, the better the company’s ability to pay any claim you might make. Dairyland insurance rating from A.M. Best is A+ (Excellent)
The Better Business Bureau (BBB) tracks how well a company resolves customer complaints. Dairyland insurance reviews from the BBB reveal that the company gets an A+, but dozens of complaints are listed on the site. While Dairyland does well with A.M. Best and the BBB, the National Association of Insurance Commissioners (NAIC) has a less positive rating.
The NAIC rates companies based on the number of complaints they receive compared to other companies of a similar size. The national average is 1.0 — anything higher means the company gets more complaints than average. According to Dairyland auto insurance reviews, the company has a high number of complaints, with a score of 4.42, meaning it gets four times the complaints of similar companies.
Outside of professional ratings, Dairyland is a smaller insurance company lacking some of the online tools of its competitors. However, you can get online quotes, find an agent, and retrieve a Dairyland auto insurance quote online through the website.
Dairyland Insurance also has a mobile app, which you can use to make Dairyland insurance payments, receive account alerts, look at policy information, and download insurance cards. Most Dairyland customers appreciate that they can get coverage even as high-risk drivers. They also like that the company often partners with local organizations to improve communities.
Dairyland Insurance Reviews and Complaints
Although Dairyland helps drivers get the coverage they need, high-risk insurance companies usually have more complaints than their competitors. Dairyland has a high number of complaints compared to companies like State Farm and Geico but matches more closely with other high-risk insurance options.
Read More:
Many customers are unsatisfied with Dairyland auto claims process, stating that it can take weeks to hear back from Dairyland car insurance customer service representatives. Other common complaints include high rates, unexplained price increases, and hard-to-use digital tools.
While Dairyland has a mobile site and app, the only way to start Dairyland auto insurance claims or add a car to your Dairyland insurance policy is to call a representative on the Dairyland claims phone number, which many customers find inconvenient.
It’s not all bad news at Dairyland, though. While the company struggles in some areas, many drivers say they have pleasant experiences with Dairyland insurance customer service representatives. For the most part, Dairyland’s customer service representatives are available 24/7 – they are friendly, knowledgeable, and professional.
How to Buy a Dairyland Auto Insurance Policy
Dairyland might lack some of the digital tools you’ll find at other companies, but signing up for a policy is easy. You have two options to get auto insurance from Dairyland.
First, you can get a Dairyland auto insurance quote online on the website. The process is simple — you need to fill out the request form with information about every driver who will be on the policy. It only takes a few minutes to complete the form.
An alternative option is to contact the Dairyland insurance 24-hour number. There, a representative will help you sign up for a policy. This is a good option for anyone confused about what type of insurance they need.
Your Opinion Matters!
Rate your insurance provider and provide share feedback with shoppers just like you.
Dairyland Insurance Coverage Options
Most states require car insurance before legally driving or registering your vehicle. While it’s never required by state law, you’ll probably need a Dairyland insurance full coverage policy if you have a car loan or lease. Most insurance companies sell at least enough coverage to meet these needs, and Dairyland is no exception. Learn more about auto insurance requirements by state.
To ensure its customers can get the coverage they need, Dairyland offers the following primary policies:
- Liability. Required in most states, liability auto insurance pays for property damage and injuries you cause in an accident.
- Collision. Collision auto insurance pays for your car repairs after an accident, no matter who causes it. It also covers repairs if you hit a stationary object like a tree.
- Comprehensive. A lot more than collisions can damage your car. Comprehensive auto insurance covers damage from vandalism, theft, weather, fire, and animal contact.
- Uninsured/underinsured motorist. Although most states require insurance, not all drivers follow the law. Uninsured motorist (UM) coverage protects you from drivers who don’t have insurance. It also pays for repairs if you’re the victim of a hit-and-run.
- Personal injury protection or medical payments. Treatment for injuries after an accident can get expensive, but medical payments or personal injury protection (PIP) auto insurance helps pay for health care.
The amount you need for car insurance depends on what type of vehicle you drive and which state you live in. If you’re unsure of what you need, call Dairyland insurance and ask a representative to help you.
Dairyland Auto Insurance Add-ons
Add-ons for your car insurance are optional coverages that increase the value of your policy. Some car insurance companies have long lists of options, but high-risk companies often lack variety.
Dairyland doesn’t have the largest selection, but it offers a few options:
- Special equipment coverage. Standard insurance doesn’t cover custom parts or equipment you install. You can add special equipment coverage to replace or repair up to $1,000 worth of custom parts.
- Roadside assistance. Dairyland will assist you with towing and emergency services when you’re stranded. This add-on typically costs under $100 a year.
- Rental reimbursement. Rental car reimbursement covers a rental when your vehicle is stuck in the shop. Dairyland offers 25adayforthiscoverage,uptoamaximumof25 a day for this coverage, up to a maximum of 25adayforthiscoverage,uptoamaximumof750.
While this list isn’t the most comprehensive, you can still add a lot of value to your Dairyland car insurance with these options. Make sure to purchase only what you need — add-ons increase the value of your policy but also raise your rates.
Dairyland Motorcycle Insurance Coverage Options
Motorcycles need insurance just like cars, and Dairyland offers excellent coverage options. You can get the same primary coverages — liability, collision, comprehensive, uninsured motorist, and personal injury protection or medical payments — for your motorcycle.
You can also buy extra coverage with the following add-ons:
- Replacement cost: If your motorcycle is three years old or newer, Dairyland will pay for a replacement bike.
- Physical damage-plus: Rather than using aftermarket parts, Dairyland Insurance will pay for original equipment manufacturer parts if your motorcycle is damaged.
- Guest passenger: This coverage will cover medical expenses if a passenger is injured on your motorcycle.
- Special equipment: Similar to the add-on for cars, this coverage will pay for repairs or replacements on custom equipment you’ve installed on your bike.
- Rental reimbursement: Dairyland will pay for a rental vehicle when your motorcycle is being repaired after a claim.
- Trip interruption: If you’re involved in an accident 100 miles or more from home, Dairyland will cover travel expenses like lodging, transportation, towing, food, and lost deposits.
Dairyland motorcycle policyholders tend to be a little more satisfied with their coverage than customers with car insurance. People like how knowledgeable Dairyland representatives are about motorcycles and how easy it is to sign up for a policy.
Of course, not everyone is completely happy with Dairyland insurance service. Dairyland insurance claims reviews suggest that one of the most common complaints about motorcycle insurance is that the claims process is slow.
Dairyland Motorcycle Insurance Rates
Like car insurance, Dairyland’s motorcycle insurance quotes are much higher than those of other companies like Geico and Nationwide. It’s usually better to find insurance elsewhere if you have other options.
However, Dairyland motorcycle insurance is a good choice for high-risk drivers.
Dairyland Motorcycle Insurance Discounts
Dairyland offers a solid list of discounts for motorcycle insurance, including special savings for bike club members.
These discounts include:
- Safety course completion within five years
- Rider group membership
- Having a previous policy
- Loyalty
- Homeownership
- Harley Owners Group membership
- Multi-vehicle
Like car insurance savings, a Dairyland representative can help you determine which discounts you’re eligible for.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Other Dairyland Insurance Coverage Types
Aside from car and motorcycle coverage, Dairyland also sells insurance for ATVs, dirt bikes, and snowmobiles.
You can also get the following specialty types of car insurance:
- Lienholder policy: This coverage pays the remainder of a car loan if your vehicle is totaled before you can pay it off. Similar to GAP coverage, many lenders require drivers to carry this insurance.
- Non-owner insurance: If you don’t have a car but frequently borrow other people’s cars, non-owner auto insurance will cover you. Dairyland SR-22 or non-owner insurance will also allow you to reinstate your license if your state DMV requests proof of financial responsibility.
Dairyland insurance is also willing to file SR-22 forms on your behalf, sometimes without a fee. If you need cheap SR-22 auto insurance, let Dairyland know when you apply for a policy. Existing customers can call the Dairyland auto insurance phone number to ask a representative to file SR-22 forms.
Dairyland Insurance Rates Breakdown
Although Dairyland can help you get coverage when standard insurance companies won’t work with you, average rates are high.
Take a look below to see how Dairyland auto insurance quotes compare to the national average for minimum coverage.
Dairyland vs. Competitors: Minimum Coverage Auto Insurance Average Rates From Top Providers
Compare RatesStart Now →
Full coverage rates will be higher, but it offers a lot more protection for you and your vehicle.
Dairyland vs. Competitors: Full Coverage Auto Insurance Average Rates From Top Providers
Compare RatesStart Now →
Dairyland car insurance quotes tend to be higher than the average price of insurance.
There are a variety of factors that affect your insurance rates, including your age, location, and driving history. Dairyland considers these factors when it shapes your rates, but prices are always higher because of the company’s high-risk customer base.
Take a look at the table below to get an idea of what the top insurers charge after a single traffic ticket.
Dairyland vs. Competitors: Auto Insurance Monthly Rates for Drivers With a Ticket
Compare RatesStart Now →
Drivers should expect to rates to increase even more after an accident where they are considered at fault.
Dairyland vs. Competitors: Auto Insurance Monthly Rates for Drivers With an Accident
Compare RatesStart Now →
As you might expect, car insurance rates will increase dramatically if you receive a DUI. Compare the rates below from popular insurance companies.
Dairyland vs. Competitors: Full Coverage Auto Insurance Monthly Rates by Driving Record
Compare RatesStart Now →
Since Dairyland drivers are more likely to file a claim, rates are higher to compensate.
Dairyland Discounts Available
Car insurance can be expensive, especially when you need to shop from a high-risk insurance company. Most companies offer discounts to help drivers save, and Dairyland is no different.
Dairyland offers auto insurance discounts for early signing, having several cars, homeownership, having coverage for six months, anti-theft devices, and paying in full.
Read More:
- How to Get a Multi-Vehicle Auto Insurance Discount
- How to Get an Anti-Theft Auto Insurance Discount
- How to Get a Pay-in-Full Auto Insurance Discount
- How to Save Money by Bundling Insurance Policies
Dairyland’s car insurance discount list isn’t as long as competitors’, but it does give you the opportunity to save. If you’re worried you’re not getting every discount you’re eligible for, a customer service representative can help.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Frequently Asked Questions
What is Dairyland insurance?
Dairyland is a company specializing in providing auto insurance coverage to drivers. The services offered by Dairyland Insurance help protect vehicles and drivers against potential risks and accidents on the road.
Does Dairyland have good insurance?
It depends on the driver. Dairyland insurance is an excellent option for high-risk drivers with limited alternatives. However, expensive rates and low customer satisfaction mean you’ll probably find better insurance elsewhere when you’re not a high-risk driver.
How to cancel Dairyland insurance?
While signing up online is easy, you can’t cancel your Dairyland policy on the website or mobile app. Instead, you’ll need to call a customer service representative to cancel Dairyland insurance.
Does Dairyland have roadside assistance?
Yes, you can buy roadside assistance for a car insurance policy from Dairyland. Dairyland’s roadside assistance covers towing, dead batteries, flat tires, and other emergency services.
What states have Dairyland insurance?
Between car and motorcycle insurance, Dairyland currently sells coverage in 38 states. The states that Dairyland does not cover are Alaska, Hawaii, Louisiana, Massachusetts, Michigan, Montana, New Hampshire, New Jersey, New York, North Dakota, Oklahoma, and Rhode Island. Dairyland is also unavailable in Washington D.C.
Who owns Dairyland Insurance Company?
Sentry Insurance has owned Dairyland since 1966. Other companies owned by Sentry, including Viking Insurance Company of Wisconsin and Peak Property and Casualty, might underwrite Dairyland policies.
What types of auto insurance coverage does Dairyland offer?
Dairyland Auto Insurance offers various types of auto insurance coverage to meet the needs of drivers. Some of the common coverage options include liability coverage, collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, personal injury protection (PIP) coverage, and more. They may also provide coverage options for motorcycles and high-risk drivers.
How can I obtain a quote for Dairyland Auto Insurance?
To obtain a quote for Dairyland Auto Insurance, you can visit their official website or contact their customer service directly. They will typically require information such as your personal details, vehicle information, driving history, and coverage preferences to provide an accurate quote.
Does Dairyland offer any discounts on auto insurance premiums?
Yes, Dairyland Auto Insurance offers various discounts to help customers save on their premiums. These discounts may include safe driver discounts, multi-policy discounts, good student discounts (for eligible students), and more. The availability of discounts may vary based on your location and specific policy.
Does Dairyland Auto Insurance provide coverage for high-risk drivers?
Yes, Dairyland Auto Insurance specializes in providing coverage for high-risk drivers who may have a history of accidents, violations, or a less-than-perfect driving record. They understand that not all drivers have a spotless record and strive to offer insurance solutions to those who may have difficulty obtaining coverage elsewhere.
Where is Dairyland insurance located?
Dairyland insurance headquarters is in Stevens Point, Wisconsin.
Does Dairyland offer renters insurance?
No, Dairyland primarily focuses on auto and motorcycle insurance.
Does Dairyland insurance cover windshield replacement?
Yes, Dairyland offers windshield replacement coverage as part of its comprehensive auto insurance policy.
Does Dairyland insurance have a grace period?
Yes, Dairyland usually provides a grace period for policyholders to make late payments before the policy is canceled.
How to add a vehicle to Dairyland insurance online?
Log in to your Dairyland insurance account using your username and password. Look for the policy management section that allows you to make changes to your policy.
Why is Dairyland insurance so cheap?
Dairyland specializes in providing coverage for high-risk drivers, making it an affordable option for those with poor driving records or those who need SR-22 filings.
Is Dairyland insurance legit?
Yes, Dairyland Insurance is a legitimate and reputable insurance company.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Written by:
Laura Gunn
Insurance and Finance Writer
Laura Gunn is a former teacher who uses her passion for writing and learning to help others make the best decisions regarding finance and insurance. After stepping away from the classroom, Laura used her skills to write across many different industries including insurance, finance, real estate, home improvement, and healthcare. Her experience in various industries has helped develop both her ...
Insurance and Finance Writer
Reviewed by:
Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.