Viking Auto Insurance Review (2024)

What You Should Know About Viking Insurance Company of Wisconsin

Viking Insurance Company of Wisconsin, which is now a member of the Sentry Insurance Group, was founded in 1971 and headquartered in Madison, Wisconsin. It provided insurance services to residents of 27 states.

Before 2005, Viking Insurance was an independent agency with offices in Madison, WI; Freeport, IL; Englewood, CO. Salem, OR; Irvine, CA; and Goldsboro, NC.

Sentry acquired Viking of Wisconsin insurance underwriting in 2005. The company was absorbed under the Dairyland name, but Sentry still uses Viking auto insurance in California to underwrite its policies in the state.

Sentry has an A+ Superior rating from A.M. Best, meaning it’s equipped to pay for Viking insurance claims. Dairyland also has a Superior A+ financial rating. Dairyland is a high-risk company that files SR-22 insurance and provides auto policies, motorcycle insurance, and non-owner car insurance.

Read More:

• Dairyland Auto Insurance Review
• Sentry Auto Insurance Review

Dairyland & Viking Auto Insurance Customer Service Reviews

Viking Insurance Company of Wisconsin, now Dairyland, has been a leader in the specialty auto insurance market for more than forty years. Customers who have had trouble in the past with paying for insurance premiums can negotiate low down payments and easy payment plans. For those seeking SR-22 coverage, Viking offers generous license reinstatement terms.

Is Viking insurance good? Unfortunately, Viking Insurance customer service is lacking when you look at Dairyland insurance reviews.

The National Association of Insurance Commissioners (NAIC) compares the number of complaints insurance companies receive every year and scores each provider. A score of 1.00 is average, but Dairyland received a 4.42 since it had four times more complaints than other companies its size.

However, positive reviews praise the provider’s website and mobile app capabilities, as well as Dairyland’s unique coverage add-ons.

Viking Insurance Company of Wisconsin Insurance Coverage Options

Viking Insurance and Dairyland National Insurance Company are industry leaders in providing coverage for high-risk drivers who have trouble finding policies from standard companies. Through Dairyland, you can buy coverage to meet minimum auto insurance requirements by state:

• Liability insurance: Includes bodily injury and property damage coverage for any damages you cause in a collision
• Comprehensive insurance: Covers auto damage caused by animals, weather, and acts of God
• Collision insurance: Covers auto damage caused in a collision with other vehicles or stationary objects
• Uninsured/underinsured motorist protection (UM/UIM): Covers damage caused by uninsured or hit-and-run drivers
• Personal injury protection (PIP): Covers medical bills and lost wages after a covered claim
• Medical payments coverage (MedPay): Covers medical bills after a covered claim

Dairyland will also file Viking SR-22 insurance for high-risk drivers who need it. You might need to file SR-22 if you have a restricted license.

Additional Dairyland & Viking Auto Insurance Options

Unlike most high-risk auto insurance companies, Dairyland provides additional coverage options for drivers’ different needs. Adding any of these coverages will increase your auto insurance rates.

• Special parts coverage: Covers aftermarket parts and upgrades you made to your vehicle
• Towing and labor: Covers a tow truck to take your car to a repair shop after a covered event
• Gap insurance: Covers the difference owed on an auto loan or lease if your car is totaled after a claim
• Rental reimbursement: Covers the cost of a rental while you wait on repairs

Also available is protection for those who have foreign operator licenses. If you have questions about how this coverage applies to your claim, call the Viking Insurance auto claims phone number 1-800-334-0090 to ask your adjuster.

Viking Motorcycle Insurance Coverage

Dairyland motorcycle insurance has better customer reviews than auto coverage due to its varied policy options and add-ons. You can get all of the standard policies listed above plus special parts coverage and rental reimbursement.

Other motorcycle insurance add-ons are:

• Motorcycle replacement coverage: Replaces damaged or totaled motorcycles that are less than three years old
• Guest passenger coverage: Pays for injuries sustained by a passenger in a collision or other covered event
• Trip interruption coverage: Pays for lodging and transportation if you’re in an accident more than 100 miles away from your home address

Riders can also upgrade to a Physical Damage-Plus plan, and Dairyland will pay for original equipment manufacturer parts to make repairs. If you need to file a motorcycle insurance claim, call the Viking auto insurance claims phone number at 1-800-334-0090 to speak to an agent.

Read More: How to Get a Motorcycle Insurance Discount

Viking Off-Road Vehicle Insurance

Auto insurance policies won’t cover off-road vehicles. If you own an ATV, dirt bike, or snowmobile, you’ll need to buy an off-road policy to protect your property and cover medical costs.

Dairyland provides off-road coverage that includes minimum liability, full coverage, PIP, and MedPay. Policyholders can also purchase the same add-ons listed above, such as guest passenger and special parts coverage.

One of the perks of Dairyland insurance is its off-road coverage add-ons:

• Submersion coverage: Pays for damages if your vehicle is submerged in water, such as falling through ice or crashing into a body of water
• Enhanced permission use coverage: Pays for liable damages if someone not listed on your policy was driving the off-road vehicle
• Transport trailer damage coverage: Pays for damages sustained while your vehicle is in transport

If you’re in an accident with your off-road vehicle, you will file claims the same as you would with an auto policy. Call the Viking Insurance Company of Wisconsin claims phone number at 1-800-334-0090 to start the process.

Keep reading to learn how to file claims online and via the Viking car insurance phone number with Dairyland.

How to File a Viking Insurance Claim

The Viking insurance claims department is available 24/7 through Dairyland. With 24-hour response service online or via the Viking claims phone number, customers can feel confident that their claims will get immediate attention. 

To report a claim, customers should call the Viking Insurance Company claims phone number at 1-800-334-0090 to reach a Dairyland agent. They will immediately conduct a thorough and objective investigation in order to resolve the claim.

The Viking Insurance claims phone number in California is the same as Dairyland’s national number even though Viking Insurance of Wisconsin claims still operates in California as Sentry.

You can also file claims online, but don’t try vikinginsurance.com — you need to contact Dairyland Insurance to start the process online or over the phone. Dairyland doesn’t provide a Viking insurance claims address and encourages drivers to file claims through its online form.

Drivers with another company who are involved in an accident with a Dairyland or Viking policyholder should not call Viking Insurance Company of Wisconsin. Instead, visit the Dairyland website and report the claim as a guest.

Viking Insurance Company of Wisconsin Insurance Rates Breakdown

When it comes to high-risk auto insurance, Dairyland and Viking Insurance are not the cheapest companies. This table shows that many of the top providers in the country offer more affordable rates after a DUI or at-fault accident.

However, what makes Dairyland stand out is its coverage offerings, With SR-22 filings, special parts coverage, gap insurance, and motorcycle and off-road policies. this company may still be the right fit for you despite its high rates.

Always compare multiple auto insurance companies in your state to see which is the best fit based on price, coverage, and availability. Keep reading to compare Viking Insurance in Colorado and more states.

Viking Auto Insurance Rates by State

Along with your driving record, where you live also impacts insurance costs. Dairyland auto insurance rates can vary significantly from one state to another. Several key reasons contribute to the differences in car insurance rates across states, including:

• Demographics: Big populations and a high concentration of young drivers will increase rates in your state.
• Driving habits: A higher rate of accidents or speeding tickets will raise insurance rates in your state.
• State regulations: States with no-fault insurance and higher liability limits have higher rates.
• Local risk factors: Unemployment, auto thefts, and the cost of living in your state impact insurance rates.

Comparing auto insurance rates by state will help you see how these factors affect monthly rates in real-time. See how rates vary in the table below and how much a DUI can raise rates depending on where you live.

For example, Viking Insurance in Ohio likely costs more than in other states since Ohio companies raise rates 81% after a DUI or other high-risk event, compared to Georgia where the average rates increase by 30%.

Similarly, Utah has seen population growth and increasing urbanization, which can lead to more traffic congestion and auto accidents. Average rates increase by 72% after a high-risk citation, emphasizing these changes, ultimately affecting Viking Insurance in Utah. Insurance in the Beehive State is likely more expensive than Viking insurance in Nebraska.

If you can’t find Viking Insurance in Idaho or your state, click here to get free auto insurance quotes from the top providers in your area. Enter your ZIP code below.

How to Pay Viking Insurance Online

Take advantage of Viking Insurance Company of Wisconsin payments online for convenience and efficiency. The Dairyland website makes it easy to set up automatic payments and pay auto insurance bills online.

Follow the prompts on the site to log into your account and navigate the page. The steps below will help you get started:

• Log into your account. If you don’t have an account, you may need to create one by providing your policy details.
• Navigate to the billing section. Here you’ll find options to view your current balance, due date, and payment methods.
• Choose a preferred payment method. Most insurers accept credit/debit cards, bank transfers, or digital wallets like PayPal. Enter the necessary payment information securely.
• Verify and submit payment. Review the payment details to ensure accuracy, including the amount due and the billing cycle. Depending on the insurer, you may receive a confirmation email or notification once the payment is processed successfully.

If you’re having trouble accessing your account online, call the toll-free Viking auto insurance phone number 1-888-344-4357 for customer service.

If you have Viking Insurance Company of Wisconsin, pay online because Dairyland offers an electronic automatic billing auto insurance discount for online payments.

Viking Insurance Company of Wisconsin Discounts Available

Dairyland doesn’t offer as many auto insurance discounts as some of its competitors, but it does have multiple ways to save:

• Advance quote discount: Lower rates by requesting auto insurance quotes online before buying a policy.
• Anti-theft discount: Lower rates by installing anti-theft devices in your vehicle.
• Defensive driving discount: Lower rates when you complete an approved defensive driving course.
• Electronic transfer discount: Pay insurance bills online for lower rates.
• Homeowners discount: Owning a home will lower auto insurance rates.
• Multi-vehicle discount: Insure multiple cars with Dairyland to earn a percentage off monthly rates.
• On-time payments discount: Pay insurance bills on time for lower rates.

If you buy off-road vehicle insurance from Dairyland, you may be eligible for a bundling or off-road insurance discount, but discount availability will vary by state.

Viking Auto Insurance Review: The Bottom Line

Viking Insurance, now Dairyland National Insurance Company, is an industry leader in providing high-risk insurance for people who have trouble fitting insurance premiums into their budgets. However, the company has a high number of customer complaints, especially regarding claims.

Dairyland focuses on state minimum coverage and offers comprehensive coverage, collision, towing, and uninsured motorist protection. Also available is protection for those who have foreign operator licenses or require SR22 filings. SR22 coverage is for drivers who have had their licenses reinstated after suspension for driving offenses.

Dairyland full coverage auto insurance costs $237/mo for good drivers, but rates can climb over $400/mo after one DUI. If you need affordable high-risk car insurance, enter your ZIP code below to start comparing cheap quotes from local insurers.