Dairyland Auto Insurance Review for 2025 (Rates, Discounts, & Options)

Dairyland auto insurance review highlights their specialized offerings for high-risk drivers, including SR-22 filings and a focus on accommodating varied driving histories.

This insurer checks many of your personal details to cover, ranging from simple liability to full coverage. Categorized as one of the more versatile options on this list, Dairyland provides details on coverage options and gives dedicated customer service to drivers who might have a difficult time finding insurance anywhere else.

Dairyland Auto Insurance Rating

This introduction summarizes the fundamental services and advantages Dairyland provides, focusing on its dedication to providing strong and flexible auto insurance options.

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Dairyland Auto Insurance: Affordable Rates for Mature Drivers

Dairyland auto insurance has competitive pricing notes in its rate structure early on, particularly as drivers age. For 16-year-olds, the outlay is clearly daunting; minimum to full coverage premiums range from $452 to $1,235 — yet for older brackets, that soars down ardently. A 30-year-old man pays less at $101 for minimum coverage and $285 for full coverage.

Dairyland Auto Insurance Monthly Rates by Coverage Level, Age, & Gender

This tiered pricing approach makes Dairyland attractive for mature drivers, who can receive all-inclusive coverage at reduced prices. While upstart competitors like Geico and Nationwide auto insurance may provide lower initial rates for younger drivers, Dairyland excels as a long-term, price-conscious option for experienced drivers who want premium insurance coverage without overpaying.

Assessing Dairyland Auto Insurance: Costs for High-Risk Coverage

The company’s rates reflect its classification as a specialist provider for high-risk drivers. Dairyland’s monthly premium starts at $85 for minimum coverage and $165 for full coverage, placing it in the higher cost range compared to mainstream insurers like Geico auto insurance, which will charge $65 and $140 for those same policies, respectively.

Dairyland Auto Insurance Monthly Rates vs. Top Providers

However, that pricing model does make Dairyland less competitive for people with cleaner driving records who may be able to find better deals elsewhere. However, Dairyland’s niche of insuring high-risk drivers and those who need SR-22 documentation leaves it serving a vital market that’s largely avoided by larger insurers.

Its premiums, like a steep $368 for full coverage after a DUI, appeal to a demographic for which few other options remain. Dairyland offers a much-needed service for at-risk individuals requesting auto coverage, such as drivers with a history of accidents, DUIs, or multiple tickets.

This focus on underrepresented drivers helps Dairyland auto insurance fill a crucial gap in the market, albeit at higher rates.

Dairyland Auto Insurance: A Comparison of Rates by Credit Score

Dairyland Auto Insurance tends to be pricier for drivers across all credit levels compared to many of its competitors. With monthly premiums at $140 for bad credit, $110 for fair credit, and $85 for good credit, Dairyland’s rates are higher than those of more budget-friendly options like Geico and USAA auto insurance, which offer rates as low as $65 and $60 for good credit, respectively.

Dairyland Auto Insurance Monthly Rates vs. Top Competitors by Credit Score

However, Dairyland still competes with companies such as Liberty Mutual and Allstate, demonstrating its potential as a provider for consumers potentially seeking particular high-risk niches or unique wants, such as different coverages related to less-than-perfect credit scores.

Dairyland Auto Insurance: A Comparative Review of High-Risk Driver Rates

Dairyland auto insurance tends to be pricier, translating to higher monthly premiums than those of other large carriers, in a bid to offer coverage to high-risk drivers. For instance, people with a clean driving record can expect to pay $339 monthly, significantly above the U.S. average of $165.

Dairyland vs. Competitors: Full Coverage Auto Insurance Monthly Rates by Driving Record

Rates rise sharply in the presence of a driving infraction, with a single accident bumping the rate to $525, a DUI to $585, and a speeding ticket to $427.

This pricing structure places Dairyland at the higher end of the spectrum, especially when compared to more economical options like Geico or USAA, which charge significantly lower rates for similar coverage scenarios.

Pros and Cons of Dairyland Auto Insurance

Dairyland auto insurance has established a foothold in coverage for high-risk drivers. With niche offerings, such as SR-22 filings and complete motorcycle insurance coverage, Dairyland shines as an insurance source for those who might struggle to find policies elsewhere. In this review, we’ll look into the pros and cons of Dairyland auto insurance.

Pros

• Specialization in High-Risk Coverage: Dairyland offers flexible payments and low-down options, making insurance accessible for budget-conscious drivers.
• Flexible Payment Options: Dairyland also provides flexible payment plans, low down payments, and coverage options, making insurance more available to those with tight budgets.
• Robust Customer Support: Dairyland is recognized for its customer service quality, service reliability, and extensive support when it comes to resolving insurance matters as well as claims.

While Dairyland offers several advantages, especially for drivers who have limited options, it’s essential to consider the full picture.

Cons

• Higher Premiums for High-Risk Drivers: Dairyland’s focus is on high-risk drivers; it is more expensive than other providers that are more competitive for those with clean records.
• Limited Digital Tools: Dairyland’s online tools are limited compared to larger insurers, which may affect policy management and claims convenience.

Dairyland auto insurance is a strong competitor among high-risk auto insurance companies, with flexible payment options and excellent customer service. However, would-be policyholders must balance these advantages against the higher premiums and lack of digital offerings.

To help you decide if Dairyland is the right insurer for you, let’s dive into specific details about what they offer. This clarity will ensure you’re well-informed when you need to file an auto insurance claim or adjust your coverage.

Dairyland Auto Insurance: Comprehensive Review and Ratings

With diverse ratings among leading agencies, Dairyland Auto Insurance is unique in its value in the industry. J.D. Power gave Dairyland a score of 820 out of 1000, demonstrating a high level of customer satisfaction.

Dairyland Auto Insurance Business Ratings & Consumer Reviews

The Better Business Bureau (BBB) gives Dairyland an A+ rating, reflecting excellent business practices despite consumer feedback being mixed, as noted by a score of 73 from Consumer Reports. This mix of feedback suggests some variability in customer experience.

It has a low complaint ratio of 1.10 on the National Association of Insurance Commissioners (NAIC), which means it gets fewer complaints than the average company its size. Dairyland’s AM Best rating of A+ for financial strength gives customers confidence that it can satisfy ongoing insurance obligations.

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Consumer reviews also demonstrate the company’s effectiveness, such as a Reddit user’s tip-of-the-hat comment saying Dairyland’s adjusters promptly handled a complex accident with animals. Dairyland’s strong financial base, along with responsive customer service, places it among the best auto insurance companies for those seeking dependable coverage.

How to Buy a Dairyland Auto Insurance Policy

When you decide to get a Dairyland auto insurance policy, the process is both easy to navigate and user-friendly, appealing to both tech-savvy customers and those who prefer the old ways. Here are two main ways to lock in coverage:

• Get a Quote Online or by Phone: Enter your details on Dairyland’s website or call an agent for a personalized quote.
• Provide Driving and Vehicle Information: Share your driving history, car details, and coverage needs to get an accurate rate.
• Choose Your Coverage: Select liability, full coverage, or SR-22 insurance, depending on your situation and state requirements.
• Review Discounts and Payment Options: Check for savings like multi-car discounts and choose a monthly or full-payment plan.
• Buy Your Policy and Get Proof of Insurance: Complete the purchase online or with an agent, then download your ID card for immediate coverage.

Both methods make the process of purchasing insurance easy, efficient, and accessible so customers can manage individuals’ coverage—in other words, hassle-free.

Dairyland makes it easy to decide whether to take the quick and easy online application route or the phone enrollment route, where you actually get to speak with someone and choose the one best for you on how to manage your auto insurance policy, ensuring a smooth experience.

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: 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: Uninsured motorist (UM) coverage protects you from drivers without insurance and covers hit-and-run damages. Most states require insurance, but not all drivers comply.
• Personal Injury Protection or Medical Payments: Medical payments or PIP insurance helps cover health care costs after an accident. Treatment can be expensive, but this coverage eases the burden.

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 $25 a day for this coverage, up to a maximum of $750.

While this list isn’t the most comprehensive, you can still add significant value to your Dairyland car insurance with these options. Make sure to purchase only what you need — add-ons enhance the value of your policy but also raise your rates. For more insights, consider checking Dairyland Insurance reviews to see how these add-ons have benefited other customers.

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:

• Comprehensive Coverage Options: Includes liability, collision, comprehensive, uninsured motorist, and personal injury protection.
• Replacement Cost for New Bikes: Offers full replacement for motorcycles three years old or newer.
• Original Equipment Manufacturer Parts: Ensures use of OEM parts for repairs through Physical Damage-Plus coverage.
• Additional Protection for Passengers: Provides guest passenger coverage for medical expenses.
• Support for Road Trips: Covers rental, trip interruption, and associated travel expenses if your motorcycle breaks down 100 miles away from home.

Dairyland motorcycle policyholders tend to be more satisfied with their coverage compared to those with car insurance, according to a Dairyland Insurance review. Customers appreciate the knowledge Dairyland representatives have about motorcycles and the ease of signing up for a policy.

Of course, not everyone is completely satisfied with Dairyland Insurance. Reviews often point out that, despite offering motorcycle insurance discounts, one of the more frequent criticisms is the slow claims process for motorcycle insurance.

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: Non-owner auto insurance covers you when driving borrowed cars. Dairyland SR-22 or non-owner coverage can help reinstate your license if required.

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, consider requesting a Dairyland Insurance quote 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 Auto Insurance: Reliable Coverage for High-Risk Drivers

Dairyland auto insurance offers a solid option for high-risk drivers, providing specialized services like SR-22 auto insurance filings and heavy-duty bike insurers. They also back up their commitment to providing coverage for drivers with different histories with competitive rates and tailored policies.

With high ratings from AM Best and the BBB, Dairyland proves reliable in terms of financial stability and business integrity. Individuals facing difficulties in obtaining coverage elsewhere can easily access necessary protections backed by attentive customer service by getting a Dairyland auto insurance quote.

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