Dairyland Insurance Review (2022)

While it’s not necessarily the best choice for drivers with clean records, Dairyland insurance offers competitive and affordable rates for high-risk drivers. Dairyland offers full coverage for cars and motorcycles, as well as several add-on options so you can customize your plan. With an A+ from A.M. Best for its financial strength, Dairyland might be the best choice for auto coverage.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Feb 24, 2022

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The Rundown

  • Dairyland specializes in auto and motorcycle insurance for high-risk drivers
  • A.M. Best gives this provider an A+ rating for financial strength, but there are a lot of customers unhappy with their service
  • Complaints about Dairyland involve the speed at which claims are paid out, the overall claims process, and general delays with settlements

Even though it’s headquartered in Wisconsin, you can buy Dairyland car insurance in 38 states and motorcycle insurance in 48. Dairyland caters to all drivers, but it specializes in high-risk drivers.

Since it specializes in high-risk drivers, Dairyland might not be the best choice for you if you have a clean driving record. However, if you have speeding tickets, accidents, DUIs, or lapses in your coverage, Dairyland might have the most affordable insurance for you.

If you’re interested in Dairyland insurance quotes, you should compare rates to save as much money as possible. If you’re ready to see what rates might look like for you, enter your ZIP code into our free tool.

What Is Dairyland Auto Insurance?

Dairyland offers traditional car insurance options, as well as add-ons you can purchase to customize your policy. To start, check below to see what insurance plans Dairyland offers.

  • Liability. Most states require that you carry liability insurance, which pays for damage you cause to property and people.
  • Comprehensive. Comprehensive coverage is not required by any states, but it’s probably required by your loan or lease lender if you don’t own your car. This coverage protects you from damage outside of accidents, like vandalism, theft, and weather.
  • Collision. Another type of coverage that isn’t legally required, collision will help pay for repairs to your car no matter who is at fault after an accident.
  • Underinsured/uninsured motorist. Although most states require insurance, not all drivers follow the law. Underinsured/uninsured insurance protects you from drivers with inadequate insurance.
  • Personal injury protection and medical payments. Some states require that you carry additional medical protection insurance in case you or your passengers are injured in a car accident.

If you need or want full coverage to give your car the most protection possible, you’ll need liability, collision, comprehensive, and underinsured/uninsured motorist. It costs more, but full coverage protects your vehicle from most anything.

In addition to standard insurance options, Dairyland offers several add-ons you can purchase to customize your coverage. These include:

  • Towing and labor. If your car breaks down or won’t run after an accident, this add-on will get you to a mechanic’s shop. The total distance you can have your vehicle towed will be specified by your policy.
  • Special equipment. Standard insurance doesn’t pay for custom parts added to your car, but this coverage will replace or repair them.
  • Lienholder policy. Similar to GAP insurance, this add-on will help pay for the rest of your loan or lease if you total the car and owe more on it than it’s worth.
  • Non-owner insurance. If you get in an accident while driving someone else’s car, their insurance should cover it. However, if you frequently drive other people’s cars, this can help pay for the damage.

You can also get an SR-22 form from Dairyland. Some states require SR-22 forms as proof of insurance coverage if you’re a high-risk driver. Dairyland will not only provide you with proof of insurance, but they’ll also submit it to your state’s DMV for you.

Dairyland Car Insurance Discounts

While most drivers expect a list of discounts to help them save money on their policies, high-risk insurance companies often lack options. Dairyland does not have that problem. Check below to see what discounts you might be eligible for.

  • Multicar. If you have more than one car in your household and put them on the same policy, you might be eligible for this discount.
  • Earlier signer. Earn this discount by signing up for a new policy at least seven days before your previous plan expires.
  • New customer. If you have car insurance with another company for at least six months before you switch to Dairyland, you’ll probably save money.
  • Anti-theft devices. Anti-theft devices such as GPS trackers, kill switches, and audible alarms protect your car from theft. They also might get you a discount on your insurance.
  • Driver education. Complete an approved driver education course and earn a discount. You’ll likely need to repeat the course every few years for the discount to stay active.
  • Policy bundling. Dairyland offers home and renter’s insurance on top of auto and motorcycle. Bundle multiple policies to earn this discount.
  • Paid in full. You can save money on your total bill by paying quarterly, semiannually, or annually. As long as your payments are higher than the minimum payment, you’re probably eligible for this discount.

Although this list isn’t as extensive as larger companies, you’ll likely be eligible for multiple discounts. When you sign up for a Dairyland insurance policy, an agent will go through your information and make sure you get every discount you’re eligible for.

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Does Dairyland Offer Motorcycle Insurance?

While Dairyland has plenty of happy auto insurance customers, it is most famous for its motorcycle policies. Not only does Dairyland motorcycle insurance provide great coverage, it also celebrates the bike lifestyle by celebrating National Motorcycle Day with charity work.

For motorcycle insurance, Dairyland offers the same options as auto coverage: liability, collision, comprehensive, uninsured/underinsured motorist, personal injury protection, and medical payments.

Dairyland’s insurance won’t surprise you with their innovations, but they have several add-ons you can buy.

  • Towing and labor. Just like the car insurance option, this will get your motorcycle towed to a nearby mechanic’s shop.
  • Rental reimbursement. After an accident, your bike might be stuck at the mechanic for repairs. If that’s the case, Dairyland will reimburse you for a rental while you wait for your ride back.
  • Special equipment. If you customize your motorcycle with unique paint jobs, tires, modifications, or electronic additions, you can cover them with this add-on.

It’s not the most extensive list of insurance options, but it does provide you with the insurance you need to keep you and your bike safe on the streets.

Dairyland Motorcycle Discounts

Dairyland’s list of motorcycle insurance options isn’t as long as its auto insurance list, but it again proves that they understand the lifestyle. With special discounts for Harley Davidson owners or motorcycle club members, there’s something for everyone.

  • Multicycle. Like the Dairyland auto insurance discount, insuring multiple motorcycles can save you up to 25%.
  • Rider groups. Dairyland has a list of affiliated clubs to which they offer a 10% discount.
  • Loyalty. If you add (or replace) a motorcycle to an existing policy, you’ll probably earn this discount.
  • Harley Owners Group (HOG). If you have a Harley Davidson and are a HOG member, you can save up to 15%.
  • Homeowners. If you own a condo, house, or mobile home and have insurance on it, you’ll be eligible for a discount of up to 20%. Your homeowner insurance doesn’t have to be through Dairyland.
  • Rider safety courses. If you take an approved motorcycle safety course, you can save 2% on your bill. You’ll have to retake the class every five years for the discount to remain active.

You can only have so many discounts applied to your account. Once you reach a certain percentage, you won’t be eligible for more savings, even if you qualify for additional discounts.

Is Dairyland Insurance Affordable?

Dairyland specializes in high-risk drivers, which means that its customers file more claims than the typical insurance company. Because of this, Dairyland’s rates are usually higher. If you are not a high-risk driver, you can probably find cheaper options.

CompanyState minimumFull coverageAccident on record
Dairyland$149$355$484
State Farm$48$111$134
GEICO$38$97$144
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Dairyland is much more expensive for drivers with clean records compared to competitors. However, you might save money with this company if you are a high-risk driver.

Dairyland Reviews

The National Association of Insurance Commissioners notes that Dairyland has lower customer service ratings than the national average. Most complaints against Dairyland involve claims processing speeds, late payments after a claim, and a general sense that Dairyland delays settlements.

On the other hand, Dairyland earns solid rankings from professional insurance rating companies. A.M. Best gives Dairyland an A+ for its financial strength.

Dairyland customers report a lot of dissatisfaction with the claims process and the price of their insurance. However, most customers find the ease of the website to manage their accounts with a simple Dairyland insurance login to be very convenient. Customers also like that there are several options to pay their bill. You can always log in to the site or call the Dairyland insurance payment number.

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Find the Best Auto Insurance for Your Needs

If you’re a high-risk driver in need of auto or motorcycle insurance, Dairyland might be the best company for you. High-risk insurance can be tricky, so you should compare quotes with as many companies as possible to find the best rates.

If you’re interested in Dairyland insurance, your first step should be to shop around. Enter your ZIP code into our free tool to see what quotes might look like for you.

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