Dairyland Auto Insurance Review: Should you buy in 2024?

If you are a high-risk driver looking for nonstandard car insurance coverage, you may want to consider Dairyland Insurance. Dairyland offers nonstandard auto and motorcycle insurance to high-risk drivers, and the company also provides SR-22 insurance filings for many policyholders.

Dairyland offers 24/7 customer service to its policyholders, and the company operates mainly online and over the phone. Dairyland auto insurance is available in 37 states, and the company has a fair number of customer complaints. Still, if you need high-risk coverage, learn more about your options with Dairyland car insurance.

What types of coverage does Dairyland offer?

Dairyland offers the standard options for auto insurance you would expect with most providers, including the following:

• Liability. This coverage pays for property damage and bodily injury to others if you cause an accident..
• Uninsured/underinsured motorist. This insurance covers damage that should have been covered by another party who either does not have coverage or does not have enough.
• Collision. This insurance covers damages to your vehicle caused by an accident.
• Comprehensive. This insurance covers damages to your vehicle caused by non-accident-related incidents, like inclement weather or vandalism.

In addition to the coverages listed above, Dairyland auto insurance offers the following add-on coverages to its customers:

• Special equipment coverage. This covers custom parts you’ve added to your vehicle.
• Lienholder policy. This covers what you owe on a loan if your car is totaled before you pay it off.
• Nonowner insurance. This covers you if you’re in an accident in another person’s vehicle.
• Towing and labor. This covers Dairyland roadside assistance and pickup services if you’re in a car accident.
• Rental reimbursement. This covers transportation expenses you incur while your car is in the shop.
• SR-22 filing. Dairyland will file an SR-22 for you to prove to the state you are financially responsible should anything happen while you’re behind the wheel.

If you need to file an SR-22, it’s nice to know Dairyland is a company that will help, because many providers drop clients once they find they must file an SR-22 with their state.

How much is car insurance with Dairyland?

Dairyland auto insurance quotes suggest that coverage with the company is significantly more expensive than other insurers. The high price is because the company insures individuals who do not have clean driving records.

Before we start, here’s a look at the average annual cost of full coverage auto insurance for each state in the U.S.

A liability-only policy with Dairyland costs around $1,790 annually, over $900 more than the national average.

Full coverage with Dairyland costs around $4,242 per year, over $3,000 more than a similar policy with Geico.

Take a look at the chart below to see how Dairyland rates compare for minimum liability coverage vs. full coverage auto insurance.

Even for drivers with underwhelming driving records, finding better rates with another company may be possible. For example, while a full coverage policy with Dairyland costs around $5,817 for someone with one accident on their record, the same policy costs around $4,000 less with State Farm.

You need to shop and compare Dairyland insurance quotes with other companies to see how much you could save on coverage.

Does Dairyland Insurance offer discounts?

Policyholders can save money on Dairyland insurance by pursuing discounts they may be eligible for, such as the following:

• Multi-car
• Online quote
• Anti-theft devices
• Homeowner
• Renters insurance
• Safe driving
• Paid-in-full

If you believe you may qualify for a discount with Dairyland, call and speak with a representative to discover how much you could save on insurance rates.

Does Dairyland offer motorcycle insurance?

Dairyland offers the following options for motorcycle insurance:

• Collision
• Comprehensive
• Bodily injury liability
• Property damage liability
• Personal injury protection
• Medical expense
• Uninsured/underinsured motorist

As you can see, the coverage options listed above are the same options Dairyland offers for car insurance policies. The company also offers the following add-ons:

• Replacement cost coverage. This pays for a replacement bike if yours is totaled during a covered event.
• Guest passenger coverage. This covers injuries that passengers sustain while on their motorcycle.
• Physical damage-plus coverage. This pays to fix your damaged bike with parts from the original equipment manufacturer.
• Rental reimbursement. This covers the cost of a rental when your bike is being repaired after a covered event.
• Special equipment coverage. This covers special and nonstandard equipment and modifications on your bike if you’re in an accident.

These add-ons will increase your annual rates, but they could help bring the peace of mind you need when you get on your motorcycle.

How much is Dairyland motorcycle insurance?

Rates for motorcycle coverage with Dairyland are more expensive than most other providers. The company charges around $881 annually for motorcycle coverage, which is over $200 more per year than rates with Nationwide.

You should get a quote from Dairyland to see how much you would pay for motorcycle coverage with the company.

Can you get discounts on Dairyland motorcycle coverage?

Dairyland offers the following discounts on motorcycle insurance:

• Recent safety course
• Harley Owners Group affiliations
• Rider group
• Loyalty
• Homeowner
• Multi-cycle
• Multi-policy

Discounts could help you save a lot of money, so check with a Dairyland representative to see how much you could save on annual rates for motorcycle coverage.

Is Dairyland insurance good?

Dairyland Insurance Company has an A+ (Superior) financial strength rating with A.M. Best. In addition, the company has an A+ rating from the Better Business Bureau.

Unfortunately, Dairyland does have a high number of customer complaints. According to the National Association of Insurance Commissioners (NAIC), Dairyland insurance customer service has below-average ratings. While the average rating is 1.00, and a lower score indicates positive customer service, Dairyland scored 2.69.

Common complaints in Dairyland insurance reviews relate to policy cancellation, issues with settlement offers, and underwriting delays.

What are the pros and cons of an insurance policy with Dairyland?

Some of the benefits of a Dairyland insurance policy include the following:

• Coverage for nonstandard and high-risk drivers
• SR-22 filings for clients

However, there are a few downsides to the company, including the following:

• Expensive rates for coverage
• Coverage is not available in each state
• A high number of customer complaints

Before you commit to a policy with Dairyland, research other companies in your area to see what kind of coverage you could get and how much you would pay in annual premiums.

What is Dairyland’s corporate sustainability program?

Dairyland often partners with nonprofit organizations to complete different short-term initiatives. For example, the company works with the Arbor Day Foundation to plant trees. In addition, it creates local initiatives for motorcycle riders to give back to their communities through good deeds and acts of service.

Dairyland Auto Insurance: The Bottom Line

Dairyland offers several different coverage options to nonstandard drivers. If you need high-risk car insurance, Dairyland could be an excellent option for your car or motorcycle coverage needs.

If you have a good driving record, Dairyland rates are probably more expensive than rates you could get with other companies. Be sure to shop online and compare quotes with multiple providers before you make a final decision on coverage.