DAIRYLAND INSURANCE 2022 REVIEWS & COVERAGES

Dairyland Insurance

Dairyland Insurance company specializes in auto (car) and motorcycle insurance for drivers who are normally unable to obtain coverage elsewhere, such as those who have major or recurrent traffic violations or DUI convictions. If you’ve been labeled as a high-risk driver, Dairyland may be the place for you.
Dairyland, based in Wisconsin, has specialized in high-risk drivers since its inception in 1953. It operates in the “nonstandard” market of auto insurance firms, and its rates are similarly exorbitant.

Review of Dairyland Insurance Company

Dairyland provides auto insurance coverages tailored to high-risk drivers, such as those with a history of traffic offenses, DUIs, or no prior insurance coverage. Dairyland’s car insurance prices for safer drivers are far more than competitors’ to reduce the risk of insuring such drivers.

Given Dairyland’s high prices and poorer-than-average customer reviews, low-risk drivers who don’t need specialized nonowner car insurance coverage or have a history of driving offenses should search elsewhere for more cost-effective solutions. And, while Dairyland’s rates for high-risk drivers are among the most affordable options available, making its policies worth considering, high-risk consumers may benefit from browsing around for low-cost quotes.

Dairyland motorcycle insurance is ideal for seasonal riders or members of a riding club because it provides different savings and flexible payment choices.

Where can I get Dairyland insurance?

Dairyland sells car and motorcycle insurance coverage in 37 states. However, not every state offers all policy options and savings. Furthermore, the rules governing SR-22 certificates differ from one state to the next.

Types of Dairyland Insurance Coverage

  • Auto insurance
  • Motorcycle insurance

Dairyland received a poor score in this category since it solely offers personal auto and motorcycle insurance. It does, however, provide a discount for insuring numerous automobiles and/or motorcycles.

Dairyland offers all of the primary coverage options that are frequently required by states as an auto insurance provider: bodily injury liability, property damage liability, medical costs, and uninsured/underinsured driver. Optional collision and comprehensive coverage are also available.

You can also supplement your insurance coverage with Dairyland’s extra coverage options.

Options for Supplemental Dairyland Insurance Coverage:

  • Towing & Labor: Covers the cost of towing your car to a servicing shop.
  • Rental Reimbursement: Covers the cost of a rental car if your vehicle needs to be repaired as a result of a covered accident.
  • Lienholder: Pays for cosmetic damage to bespoke improvements you’ve made to your car after a covered loss.

Damage to specific equipment you’ve put on your car is covered under this coverage.

While you may be tempted to add all of these supplementary coverage options right once, it’s recommended to consult with a Dairyland representative before making any changes to your policy. They will be able to assist you in making the greatest selection for your unique situation and budget. This also applies to the specialist insurance choices provided by Dairyland.

Dairyland Auto Insurance Specialty Types:

  • Non-Owner Car Insurance is for people who don’t own a car but still want to be protected if they drive someone else’s.
  • Individuals who require liability, collision, comprehensive, replacement cost, and other motorcycle coverage alternatives should consider purchasing motorcycle insurance.
  • Keep in mind that Dairyland’s supplementary and specialty coverage options differ by state, and certain restrictions may apply.

Car Insurance Policies and Coverages in Dairyland Insurance Company

Dairyland car insurance provides the complete range of coverage options available in a full coverage car insurance policy, as well as a number of add-on coverages. However, most of these coverages are available at any insurance carrier. Dairyland differentiates in that high-risk drivers may find its auto insurance coverage more inexpensive in comparison to competitors, as many insurers charge significantly higher prices for this population.

Dairyland auto insurance offers standard coverage options.

  • Personal liability compensates other drivers and their property for injuries or damages.
  • Damage to your vehicle is covered by comprehensive and collision insurance.
  • Personal injury protection (PIP) and medical payments (MedPay) cover the costs of bodily harm to you or your passengers in the event of an accident.
  • Uninsured and underinsured motorist coverage protects you in the event of a collision with an uninsured or underinsured driver.

Dairyland Auto Insurance Additional Coverages.

While Dairyland provides a number of add-on coverages, these are standard across most insurance carriers.

Add-on coveragesDescriptionCost
Towing and labor coverageOffers roadside assistance and pick-up services in the event of a car accident$60 for $75 of coverage
Rental reimbursementPays for transportation expenses incurred when your car is being repaired$84 for coverage of $25 per day and a total limit of $1,125
Special equipment coverageReimburses damage to special equipment installed in your vehicles, such as custom paintwork, interior modifications, special wheels or tires, and permanent electronic systems not installed by the vehicle manufacturer$240 for $1,000 of coverage
Estimated annual add-on costs are for a single 30-year-old male in Wisconsin.

Coverage rates might vary depending on criteria including state, driving history, and car type, among others.

SR-22 and Nonowner Car Insurance: Additional perks of Dairyland Auto Insurance.

Car Insurance for SR-22s

For high-risk drivers with a history of traffic offenses, SR-22 car insurance is frequently required. Driving under the influence (DUI), reckless driving, at-fault accidents, and driving with a suspended license are all examples of situations that may necessitate SR-22 coverage.

Dairyland’s approach to SR-22 coverage is somewhat uncommon in that it does not impose additional costs on SR-22 policyholders. The cost of an SR-22 filing alone is normally between $15 and $25, while the actual amount varies by jurisdiction. Most insurers will also charge higher prices for drivers who must carry SR-22 coverage. However, because SR-22 registrants are often seen as high-risk due to a history of driving offenses, past incidences such as a DUI may still result in a premium increase. Nonetheless, Dairyland insurance policies penalize such drivers less than those of other insurers.

Car Insurance for Non-owners

Dairyland provides nonowner car insurance to people who frequently drive a car that they do not own. Nonowner car insurance coverage covers damage to other people’s vehicles and property caused by driving a car you don’t own. These policies do not cover damage to your vehicle, personal goods, or medical bills.

While many insurers provide nonowner car insurance, Dairyland’s coverage may be worth considering for those who are mandated by a court to carry SR-22 insurance but do not own a car. Dairyland does not charge an additional fee for SR-22 coverage, and its SR-22 prices are among the most affordable options available.

Car Insurance Quotes and Discounts in Dairyland Insurance Company

Dairyland car insurance prices are high for average drivers but reasonable for high-risk drivers.

Overall, we discovered that Dairyland’s standard rates were much higher than those of leading competitors. Rates for a 21-year-old male with no history of driving offenses, for example, were exceptionally exorbitant, as Dairyland’s yearly auto insurance premium was more than $1,000 higher than competitors’.

We obtained example quotations for four driver profiles with an annual policy in Nevada to see how Dairyland’s car insurance premiums compared to other insurance firms.

Quotes for High-Risk Drivers

When it comes to high-risk drivers, Dairyland rates are more competitive and among the cheapest solutions available. We specifically looked at quotations for three driver profiles who were required to carry an SR-22 owing to a prior DUI violation. Dairyland was the second-cheapest option for two of the three profiles, implying that Dairyland insurance may be among the best options available to SR-22 filers and high-risk drivers.

Nonetheless, in two cases, the cheapest yearly premium was roughly $500 less than Dairyland’s offer. Given the variation in rates for high-risk drivers across different driver profiles, shopping around for a quote is usually a good idea.

What does Dairyland Cost in each State?

Many consumers claim that Dairyland provides them with competitive rates on non-standard insurance policies, however, this may not be true for everyone. Every car insurer calculates rates differently, based on many car insurance cost criteria such as age, driving record, location, current employment, gender, marital status, and (in many states) credit history.

If you’re curious about how much coverage a regular motorist pays, we’ve listed some average premiums below:


State
Single CarMulti Car
AL$84$131
AR$81$125
AZ$67$107
CA$78$113
CO$91$142
CT$185$313
DE$151$203
FL$85$134
IA$58$109
ID$43$64
IL$89$138
IN$64$120
KS$56$85
ME$82$71
MO$83$123
NC$366$321
NE$89$107
NM$75$111
NV$128$173
OH$87$131
OR$92$135
PA$74$87
SC$137$206
SD$63$87
TN$69$114
TX$94$150
UT$70$106
VA$98$154
VT$51$65
WA$120$196
WI$75$106
WY$50$117

Auto Insurance Discounts in Dairyland Insurance Company

Dairyland provides many car insurance reductions that are typical among insurers. The discounts are included below, along with a few predicted rates based on recent Florida state filings, however, these may vary by state and based on your driver profile, car type, and residency. In addition, if you qualify for numerous discounts, your rate may be subject to a total maximum discount cap.

DiscountHow to qualifyEstimated discount to premium
MulticycleInsure multiple motorcycles with Dairyland.25%
Harley owners group (H.O.G.) membersOwn a Harley Davison motorcycle and pay to be a member of H.O.G.15%
Rider group membersBe part of an affiliated club on Dairyland’s approved list.10%
HomeownershipOwn an insured house, condo, or mobile home, even if that policy is with another insurer.20%
LoyaltyBe an existing Dairyland customer replacing or adding a new motorcycle to your policy.4–7.5%
Rider courseVoluntarily take and pass a motorcycle safety course in the past five years.2%
Read Also: AUTO-OWNERS INSURANCE: Reviews and Cost Comparisons (Updated!)

Review of Dairyland Motorcycle Insurance

Personal liability, comprehensive and collision coverage, medical costs, and uninsured/underinsured motorist are all typical features of Dairyland’s motorcycle insurance policy. Dairyland’s flexible payment choices and Safe Trip Motorcycle Program should appeal to seasonal bikers and foreign visitors.

Dairyland Motorcycle Insurance Additional Safeguards.

Dairyland provides numerous additional safeguards that are common among insurers. It does, however, provide a somewhat unusual benefit: replacement cost coverage for motorcycles three years old or less. Many other insurance firms will just have a one-year limit or impose a mileage limit.

  • Even in the event of a total loss, the entire replacement cost of motorcycles is three years old or less.
  • Rental reimbursement for riders who rely only on their motorcycles for transportation.
  • Roadside assistance when you require towing or assistance with a flat tire or other technical problems.
  • Damage to any unique equipment fitted on your motorcycle.

Dairyland Motorcycle Insurance Specialized Insurance Coverages.

Infrequent riders and overseas visitors to the United States may benefit from Dairyland’s flexible payment choices and Safe Trip Motorcycle Program. Dairyland policyholders can change their coverage limitations at any time, which is especially handy for riders who don’t ride their motorcycle in the winter. Furthermore, the Dairyland Safe Trip Motorcycle Program allows international travelers to apply for a 30-, 60-, or 90-day temporary motorcycle insurance policy. During your journey, you can use this coverage on a motorcycle that you own, hire, or buy.

Discounts on Motorcycle Insurance in Dairyland

Dairyland’s varied pool of discounts may also benefit motorcycle riders, notably Harley Davidson owners and motorcycle club members. These discounts are listed below, along with predicted rates based on recent Nevada rate filings, however, these may vary depending on your specific driver profile and area. In addition, if you qualify for numerous discounts, your rate may be subject to a total maximum discount cap.

DiscountHow to qualifyEstimated discount to premium
MulticycleInsure multiple motorcycles with Dairyland.25%
Harley owners group (H.O.G.) membersOwn a Harley Davison motorcycle and pay to be a member of H.O.G.15%
Rider group membersBe part of an affiliated club on Dairyland’s approved list.10%
HomeownershipOwn an insured house, condo, or mobile home, even if that policy is with another insurer.20%
LoyaltyBe an existing Dairyland customer replacing or adding a new motorcycle to your policy.4–7.5%
Rider courseVoluntarily take and pass a motorcycle safety course in the past five years.2%

Complaints and Reviews about Dairyland insurance

According to the National Association of Insurance Commissioners, Dairyland has below-average customer service ratings (NAIC). In 2018, Dairyland had a complaint score of 2.36, which was higher than the national median value of 1.15. The most prevalent grievances concerned claim processing, settlement delays, and late payments.

If you are dissatisfied with your coverage and wish to cancel your policy, contact your agent immediately to initiate the Dairyland auto insurance cancellation process.

Dairyland Ratings and Reviews

4.42 NAIC

A+ for BBB.

A+ from A.M. Best.

Dairyland has an A+ rating from A.M. Best, one of the nation’s premier credit rating companies for the insurance sector, but no scores from S&P or Moody’s. Dairyland has also got four times the number of complaints as the average insurance firm of its size. Many customers complain about the excessive premium prices and bad customer service.

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Ratings of the Financial Strength of Dairyland Insurance Company

Dairyland has received an A+ “outstanding” financial strength rating from A.M. Best, one of the highest ratings available on A.M. Best’s scale, indicating excellent financial stability. Customers should not be concerned about Dairyland’s ability to pay claims in the long run.

Dairyland Insurance Company Structure and Policy Accessibility

Dairyland provides auto and motorcycle insurance in 42 states, although car insurance is only accessible in the 37 states listed below. Sentry Insurance, the parent business of Viking Insurance Co. of Wisconsin, Peak Property and Casualty, and numerous other insurance carriers that may underwrite Dairyland coverages, owns Dairyland. If you have any questions about policy availability in your state or want to find a Dairyland agent near you, visit the Dairyland insurance website or call the Dairyland insurance phone number directly. Furthermore, if you are a current client, you can access some services such as making a payment over the phone or online by logging in to the My Dairyland insurance website.

Car Insurance Quotes in Dairyland Insurance Company


Driver Profile
Average Quote
18-Year-Old$327 / month
21-Year-Old$183/ month
45-Year-Old$99 / month
45-Year-Old with a Speeding Ticket$123 / month
45-Year-Old with a DUI$100 / month
55-Year-Old$93 / month
65-Year-Old$96 / month

Dairyland Insurance Claims

Customers must file claims with Dairyland by calling the company’s 24-hour claims assistance line (800-334-0090). Customers are unable to file a claim online.

Transparency in Dairyland Insurance

The majority of information can be found quickly and readily on the Dairyland website, thus it earns top scores for transparency. You can also contact a live specialist for a new quotation or additional information on an existing policy.

Representatives are available Monday through Friday from 6 a.m. to 9 p.m. CST, and Saturday from 7 a.m. to 6 p.m. CST. Call 888-290-3740 if you have any queries about auto coverage. Call 866-239-6627 if you have any queries about motorcycle coverage.

More information on Dairyland

Website:

While Dairyland does not offer the online tools and resources that some other insurance firms do, their website is effective and simple to use. There are links on its webpage to find an agent, receive a quote, retrieve a saved quote, and make a payment. Agents aren’t generally available, but if you prefer to work with one, enter your ZIP code and you’ll be provided with a list.

Mobile App

Dairyland’s mobile app, which is available for both Apple and Android devices, allows consumers to pay bills, receive bill alerts, access account information, and view insurance cards.

Dairyland Insurance is available in 37 states. Dairyland insurance is not provided in Alabama, Alaska, Hawaii, Louisiana, Massachusetts, Michigan, Montana, New Hampshire, New Jersey, New York, North Dakota, Oklahoma, Rhode Island, or Washington, D.C.

Pros and Cons

Dairyland offers motorcycle and auto insurance with flexible payment alternatives to insurance clients who are considered high-risk drivers or who require an SR-22 financial responsibility file with their state’s Department of Insurance. Dairyland accepts drivers who may be unable to receive coverage from a traditional insurer. Customers prefer low-down-payment choices, and past insurance is not required for coverage. Claims services are available via phone 24 hours a day, seven days a week.

While the rates are unlikely to be the cheapest, the coverage is adequate. Sentry Insurance, Dairyland’s parent firm, has outstanding financial stability. Dairyland, as a non-standard carrier, does provide a good number of discount alternatives to assist you to save money on your insurance cost. Policyholders have access to bilingual customer service.

There have been several internet complaints about customer service concerns. Options for policy coverage, benefits, and discounts may not be available in all states. There are no internet services for reporting claims.

Dairyland Car Insurance vs. Competitors


Insurer
KemperDairylandMercuryAllstate
Average Annual Premium*$1,747$1,695$1,805$1,321
Number of Car Insurance Discounts287811
Offers Home InsuranceYesNoYesYes
Complaints Score (lower is best)3.84.422.612.02
Editor’s Rating2.21.72.83.2
*Average annual premiums are calculated using various driver characteristics. Individual premiums may vary, but these prices show how these insurers’ expenses commonly compare.

Conclusion

Dairyland is a basic insurance company that exclusively provides auto and motorcycle covers, which are quite expensive. It does give coverage for high-risk drivers as well as clients with no driving history or past insurance coverage.
Dairyland is a suitable insurance provider for high-risk drivers, such as those who have been convicted of a DUI/DWI, have a shady driving record, have a low credit score, or have had a long lapse in insurance coverage.

Dairyland not only advertises low car insurance prices but also provides SR-22 insurance, which is required for some drivers following a significant traffic violation. In addition, the company has more flexible underwriting rules, which may make it easier for high-risk drivers to obtain a policy.

So, dairyland, on the other hand, has a few drawbacks. Insurance is only available in 37 states, and the company has a high amount of complaints. Potential policyholders may wish to look at the insurer as a whole before considering if its offers are a good fit for them.

Dairyland Insurance FAQ’s

What type of insurance is Dairyland?

Dairyland Insurance specializes in offering conventional motorcycle and auto insurance coverage to high-risk customers who may not otherwise meet the policy requirements of other carriers.

How long has Dairyland been in business?

It was founded in Wisconsin in 1916, this small midwestern carrier has grown substantially over the last 60 years.

Is Viking and Dairyland insurance the same?

Viking Insurance Company of Wisconsin, Stevens Point, WI, underwrites Dairyland® property and liability coverages in California. Not all policies, coverages, benefits, and discounts are available in all states.

What states does Dairyland write in?

Dairyland American Insurance Company 25747 Licensed in 22 states: Alaska, Arizona, California, Colorado, Idaho, Illinois, Montana, Nevada, New Mexico, New York, North Carolina, North Dakota, Ohio, Oregon, Pennsylvania, Tennessee, Texas, Utah, Washington, West Virginia, Wisconsin, and Wyoming.

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