Dairyland Auto Insurance Review (2024)

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.

Deciding Whether Dairyland Auto 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 gets an excellent score of A+ from A.M. Best.

The Better Business Bureau (BBB) tracks how well a company resolves customer complaints. Dairyland gets an A+ from the BBB, 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. Dairyland 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 quote through the Dairyland website.

Dairyland also has a mobile app, which you can use to pay your bill, 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 Auto Insurance Customer 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:

• State Farm Auto Insurance Review
• Geico Auto Insurance Review

Many customers are unsatisfied with the claims process, stating that it can take weeks to hear back from 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 a claim or add a car to your policy is to call a representative, 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 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 Dairyland car insurance.

First, you can get a quote online on the Dairyland 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 24-hour call center. 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.

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 full coverage 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, a Dairyland representative can help.

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 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 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’s service. 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.

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. It will also allow you to reinstate your license if your state DMV requests proof of financial responsibility.

Dairyland 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 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 insurance quotes compare to the national average for minimum coverage.

Full coverage rates will be higher, but it offers a lot more protection for you and your vehicle.

Dairyland 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.

Drivers should expect to rates to increase even more after an accident where they are considered at fault.

As you might expect, car insurance rates will increase dramatically if you receive a DUI. Compare the rates below from popular insurance companies.

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.