Dairyland Auto Insurance Review: Ratings and Quotes (2023)

When looking for a car insurance policy, you’ll find many reputable insurance companies online. One of your options is Dairyland, a nationwide auto insurance provider with a great reputation for financial strength and excellent customer reviews on third-party websites. Here’s everything you need to know about Dairyland, including how it compares to other car insurance companies, so you can decide if it’s the right choice for you.

What is Dairyland auto insurance?

Dairyland Insurance Company formed in 1953 in Wisconsin and originally sold specialty car insurance policies for people who struggled to get coverage. The company was acquired by Sentry in 1966, and at that time, Sentry began offering motorcycle insurance as well. With Sentry as its parent company, Dairyland grew from a regional Midwest insurer to a nationwide provider. 

Dairyland now offers auto insurance, motorcycle insurance, off-road insurance, and more. The company is known for providing nonstandard auto insurance.

How does Dairyland auto insurance work?

Dairyland provides insurance coverage to drivers in exchange for monthly or annual premiums. When you apply for a policy with Dairyland, the company will assess your risk based on factors like your driving history. The insurer will then set your car insurance rates accordingly.

Dairyland profits by collecting more money in premiums than it pays out in claims or uses for operating expenses. This is known as underwriting income, and by law in most states, it can’t be excessive. Most car insurance companies also invest underwriting income in low-risk investments to grow their income.

See Also: How Car Insurance Works: Everything You Need to Know

Where is Dairyland auto insurance available?

Dairyland offers car insurance in all 50 states and Washington, D.C. However, discounts and coverage offerings may vary from state to state, and Dairyland’s off-road insurance product may not be available everywhere.

Other Dairyland offerings

In addition to auto insurance, Dairyland offers the following quality coverages:

• Motorcycle insurance: Dairyland offers coverage for cruisers, touring models, and sport bikes from manufacturers like Harley-Davidson and Honda. You can get standard coverage as well as specialty equipment coverage and more.

• Scooter and moped insurance: Dairyland offers basic coverage for mopeds and scooters starting at $7 per month, along with extra protection, such as medical payments coverage.

• ATV/UTV insurance: Dairyland offers liability coverage and some additional coverages for all-terrain and utility vehicles.

• Dirt bike insurance: Dairyland covers a variety of dirt bikes, including motocross, trail, hill climb, and enduro models. You can get a variety of coverages for your dirt bike, from bodily injury and collision coverage to specialty coverages like submersion.

• Snowmobile insurance: Dairyland offers many coverages for snowmobiles, including special equipment coverage and transport trailer coverage.

Check Out: Car Insurance Quotes by Vehicle Type

Dairyland auto insurance coverage

Dairyland offers the following coverages:

• Liability insurance: This coverage helps pay for the other party’s injuries and damage to their property in an accident you cause. It’s required in most states. Liability coverage costs an average of $186 per month with Dairyland.

• Collision and comprehensive coverage: Often called full-coverage insurance when added to liability insurance, comprehensive and collision coverage help pay for damages to your vehicle from an accident you cause or from a non-collision event. Dairyland’s full-coverage car insurance costs an average of $354 per month.

• Uninsured and underinsured motorist coverage: These coverages can help pay for your medical bills (and property damage in some states) if you’re hit by an uninsured or underinsured driver or the victim of a hit-and-run.

• Personal injury protection: Required in some states, this coverage pays for the medical bills of the people in your vehicle, regardless of who’s at fault. It can also pay for lost wages, replacement services, and end-of-life expenses.

• Medical payments: This covers medical bills or funeral expenses for the driver and passengers in your vehicle, regardless of who’s at fault.

• Rental reimbursement: This coverage helps pay for a rental vehicle should your car need repairs. It’s recommended for people who need their car to get to work.

• Additional coverages: Dairyland also offers special equipment coverage, towing and labor coverage, and lienholder coverage, which your auto loan lender may provide.

Read More: Compare Car Insurance by Coverage

How to get an auto insurance quote from Dairyland

The easiest way to get a car insurance quote from Dairyland is to use an online platform like Insurify to compare quotes across multiple providers in your area. Chris Januski, an insurance broker with the Wasiczko Agency, says comparing quotes can help you get the best deal. “Not all companies look at the same driver the same way,” he says. “By comparing quotes, you have a better opportunity to find a company that will offer you the coverage you want with the best price.”

Here’s how to submit a Dairyland quote request through Insurify:

1. Navigate to the Insurify car insurance page and enter your ZIP code.

2. Answer a few basic questions.

3. Enter details about your vehicle, such as the year, make, and model.

4. Tell Insurify what you’ll use the car for and estimate your mileage. You can also add another vehicle.

5. Enter your personal details, such as your name, birthdate, and estimated credit score.

6. Answer questions about your previous car insurance.

7. Enter details about your driving history.

8. See your quotes side by side.

Once you fill out the necessary details, you can review a comparison of quotes from different car insurance companies. You can even adjust your coverage levels and deductible to fit your budget.

Dairyland car insurance cost by state

Car insurance costs vary by location because legal requirements, weather conditions, and competition between companies vary by state. Even within states, rates can vary due to differences in rates of vandalism, theft, and accidents. Drivers in urban areas tend to pay more for car insurance.^[1] Here’s what you can expect to pay for full-coverage Dairyland car insurance in 16 U.S. states.

Dairyland auto insurance rates by driving history

Auto insurance providers check your driving history to assess the risk to insure you. If you have speeding tickets, DUIs, or accidents on your record, it could indicate to your insurance company that you’re not taking precautions behind the wheel.^[1] Your insurer may increase your rates to reflect the higher likelihood that you’ll file a claim.^[2]

“Accident and claims frequency and severity can have a huge impact on insurance premiums,” says Januski. “On average, a violation or claim will stay on your record for approximately three years, and a single claim can increase the cost of insurance by more than 20%.” Here are the average rates for full-coverage car insurance you can expect from Dairyland based on your driving history.

Dairyland car insurance cost by age

Age is also an important factor in determining your car insurance premiums. Car insurance rates are especially expensive for teen drivers, who are almost three times as likely to die in a crash as drivers aged 20 and older.^[3] Januski says rates tend to come down at 25, and most companies begin to increase rates for drivers over the age of 60.

Here’s what Dairyland’s full-coverage car insurance costs on average based on age.

Learn More: Compare Car Insurance by Age and Gender

Dairyland car insurance discounts

Dairyland offers a variety of money-saving discounts you may be eligible for, which can reduce your car insurance cost. Not all discounts are available in all states, but the following discounts may apply to your policy:

• Multi-car discount: If you insure more than one car with Dairyland under one policy, you may see a discount on your premiums.

• Advanced quote discount: Get a quote from Dairyland at least one week before you need coverage to begin to get a discount for being prepared.

• Transfer discount: If you’ve had a policy with another car insurance company for at least six months, Dairyland will apply a discount.

• Payment frequency discount: Choosing to pay your premiums quarterly, every six months, or once a year — rather than monthly — can save you money with a payment frequency discount.

• Homeowners discount: Dairyland offers discounts to homeowners who insure their houses. Tenants with renters insurance may also get a discount in some states.

• Anti-theft discount: If you have an anti-theft device installed on your car, Dairyland will give you a discount. Bear in mind, other car insurance companies offer more discount opportunities, including multi-policy discounts and usage-based savings.

See Also: Bundle Home and Auto Insurance - Save with Discounts

Dairyland auto insurance reviews and ratings

Most customers have great things to say about Dairyland customer service on independent review sites like Trustpilot and ConsumerAffairs, leading to high star ratings on these sites.

Dairyland customer reviews

Dairyland customers mentioned friendly and professional customer service, reasonable rates, and an easy online application process as reasons for their positive reviews.

Dairyland ratings

Dairyland customer reviews resulted in the following ratings on independent review websites:

• Trustpilot: 4.5 out of 5 stars from nearly 7,000 customers

• ConsumerAffairs: 4.1 out of 5 stars from more than 500 customers

Dairyland vs. other insurance companies

The car insurance market is highly saturated, and you have many options beyond Dairyland if you need a car insurance policy. Here’s how Dairyland compares to some of the top providers in the industry.

Dairyland vs. State Farm

State Farm was the largest property and casualty insurer in the country as of 2021 and offers many insurance products in addition to auto coverage. The company has the top financial strength grade from A.M. Best and is also ranked above average by J.D. Power for claims satisfaction. However, customer reviews of State Farm on independent review websites are inferior compared to Dairyland.

State Farm offers many of the same coverages as Dairyland but also offers rideshare coverage to Uber and Lyft drivers. State Farm’s average premiums for car insurance are also cheaper — $125 for liability-only insurance and $175 for full-coverage car insurance. Drivers may also find more discounts with State Farm than Dairyland, including two telematics programs that can save you money based on your actual driving behavior.

Dairyland vs. GEICO

GEICO is a nationwide auto insurer that offers bundling discounts for drivers who also get homeowners or renters insurance. Like State Farm, the insurer has an A++ financial strength grade from A.M. Best. GEICO isn’t as highly ranked for claims satisfaction but still scores above average. However, the company’s customer reviews are poor compared to Dairyland’s.

GEICO offers many of the same coverage options as Dairyland but also provides mechanical breakdown coverage, which is similar to a car warranty. GEICO also offers a greater variety of discounts, including a good student discount and a mobile app usage-based savings program.

Dairyland vs. Farmers

Farmers insures 10 million households across all 50 states, offering vehicle, home, life, and business insurance products. J.D. Power ranked Farmers highly for claims satisfaction, and A.M. Best gave it an A financial strength grade. In comparison, Dairyland received an A+ A.M. Best rating. Customer reviews for Farmers on third-party sites also had lower ratings than Dairyland has.

Farmers provides many specialty coverages that Dairyland doesn’t offer, including rideshare coverage, loss of use coverage, full windshield and glass coverage, and new car replacement coverage. The company charges more for liability insurance than Dairyland, with an average premium of $218, but has lower rates for full-coverage insurance, with an average premium of $317. Farmers also offers a greater number of discounts, including discounts for young drivers.

Dairyland auto insurance pros and cons

As you’re shopping around for auto insurance, consider some of Dairyland’s pros and cons:

Filing an auto insurance claim with Dairyland

If something happens to you or your vehicle that’s covered under your car insurance policy with Dairyland, you need to file a claim. Fortunately, Dairyland offers 24/7 claims filing, and you can choose your own repair shop. After a car accident, call 1-800-334-0090 to begin your auto insurance claim. A claims associate will walk you through the process.

Dairyland auto insurance FAQs

Here are answers to some commonly asked questions about Dairyland auto insurance.