Shannon Martin is a licensed insurance agent and Bankrate analyst with over 15 years of experience in the industry. She enjoys helping others navigate the insurance world by cutting through complex jargon and empowering readers to make strong financial decisions independently.
Jessa Claeys is an insurance editor for Bankrate with over a decade of experience writing, editing and leading teams of content creators. She is a licensed personal lines insurance producer in Colorado. Jessa currently covers auto, home and life insurance with the goal of helping others secure a healthy financial future. Her work has been published by several insurance, personal finance and investment-focused publications, including BiggerPockets, 401(k) Specialist, BP Wealth and more.
Jessa Claeys is an insurance editor for Bankrate with over a decade of experience writing, editing and leading teams of content creators. She is a licensed personal lines insurance producer in Colorado. Jessa currently covers auto, home and life insurance with the goal of helping others secure a healthy financial future. Her work has been published by several insurance, personal finance and investment-focused publications, including BiggerPockets, 401(k) Specialist, BP Wealth and more.
At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have 9 licensed insurance agents on staff who have spent a combined 78 years in the insurance industry. While we adhere to strict
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Coverage.com LLC, a licensed entity (NPN: 19966249). For more information, please see our
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Editorial integrity
Bankrate follows a strict editorial policy, so you can trust that we’re putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions.
Key Principles
We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers.
Editorial Independence
Bankrate’s editorial team writes on behalf of YOU — the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information.
How we make money
You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey.
Bankrate follows a strict
editorial policy, so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers.
We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money.
Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range, can also impact how and where products appear on this site. While we strive to provide a wide range of offers, Bankrate does not include information about every financial or credit product or service.
Insurance Disclosure
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
At a glance
3.6
Rating: 3.6 stars out of 5
Bankrate Score
Score breakdown
Auto
Rating: 3.6 stars out of 5
3.6
Cost & ratings
Rating: 4.33 stars out of 5
4.3
Coverage
Rating: 2.5 stars out of 5
2.5
Support
Rating: 3.4 stars out of 5
3.4
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
About Bankrate Score
Bankrate's take
Drivers looking for high-risk car insurance, SR-22 filings and non-owner insurance who don’t prioritize bundling policies with the same company may want to consider Dairyland.
Offers nonstandard auto insurance policies for high-risk drivers
Unique discounts such as the payment frequency discount and advanced quote discount help customer find creative ways to save on their auto insurance
Offers SR-22 filings and non-owner car insurance
Does not offer homeowners or renters policies
Dairyland car insurance
Dairyland car insurance earned a Bankrate Score of 3.6 out of 5 because of its 24/7 customer support and mobile app, although coverage isn’t available nationwide. Drivers having trouble securing coverage (due to their credit, driving record or other scenarios) might find Dairyland's nonstandard auto policies to be an attractive option.
Along with the standard types of coverage one would expect, Dairyland offers a few standout options, including gap insurance, rental reimbursement and special equipment coverage to insure custom parts like aftermarket stereos and rims. Dairyland car insurance is available in 38 states, and the company also specializes in off-road vehicle and motorcycle coverage.
Pros and cons of Dairyland car insurance
Making a list of pros and cons when requesting car insurance quotes can help you differentiate Dairyland from other companies and may also guide you in deciding which insurer best suits your needs.
Pros
Gap insurance offered
Non-owner insurance and SR-22 filings available
A+ (Superior) AM Best financial strength rating
Cons
No bundling
Mobile app may lack some functionality and features, based on App Store and Google Play reviews
Not rated by J.D. Power
Dairyland car insurance cost
Average rates from Dairyland are unavailable. You’ll need to contact the company directly for a quote. As a basis for comparison, the average cost of car insurance in the U.S. is $2,685 per year for full coverage and $800 per year for minimum coverage, according to data from Quadrant Information Services.
Dairyland customer satisfaction
Although comparing auto insurance rates when shopping for new coverage is an important step, price isn’t everything. Another factor to consider is customer satisfaction. As an indicator, Bankrate’s insurance editorial team typically turns to third-party scores issued by J.D. Power. However, J.D. Power did not include Dairyland car insurance in any of its 2024 auto insurance studies.
Dairyland auto insurance customer complaints
The National Association of Insurance Commissioners keeps track of the number of complaints insurance companies receive and translates this data into a complaint index by product type for each carrier.
The baseline (or average) number of customer complaints is equivalent to a complaint index of 1.0. If a company has a higher complaint index than 1.0, it receives more complaints than average for a company of its size and vice versa. Dairyland’s complaints were slightly higher than average between 2021 and 2023.
NAIC Complaint Index for auto insurance
Line chart with 3 data points.
The chart has 1 X axis displaying Year. Data ranges from 2021-01-01 00:00:00 to 2023-01-01 00:00:00.
The chart has 1 Y axis displaying Score. Data ranges from 1.06 to 1.66.
End of interactive chart.
Dairyland car insurance discounts
Dairyland has several discount opportunities for drivers who want to save money on car insurance. Keep in mind that some discounts may only be offered in select states. While the company offers common discounts, like the multi-car discount, here are some others:
Homeowners discount: You could earn a discount for owning a home and having it insured (with a different company since Dairyland doesn’t offer homeowners insurance). Drivers in some states may even qualify for this discount if they have renters insurance.
Transfer discount: Dairyland may give you a discount if you have had a car insurance policy with the same carrier for at least six months prior to switching.
Advanced quote discount: You could get a discount if you apply for a car insurance quote at least one week in advance from the day your policy begins.
Defensive driver discount: If you pass a defensive driving course and provide proof of completion to Dairyland, you could save on your car insurance premiums.
Payment frequency discount: Whether you’re billed quarterly, bi-annually or annually, you’ll earn a discount for making payments on time.
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Get personalized auto insurance quotes
Answering a few quick questions to check your availability with Dairyland
Your information is kept secure5 digit Zip code is required
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Compare Dairyland with other insurers
Drivers in need of high-risk car insurance, SR-22s or non-owner insurance might consider Dairyland. However, the company does not insure car owners in every state and home and renters coverage are unavailable. In researching your options, you may also want to consider the following companies.
Dairyland vs. Amica
Policyholders who value excellent customer service and robust coverage options, but don’t mind paying more for homeowners insurance, might consider Amica as their company of choice.
Policyholders who value cheaper car insurance and digital capabilities over bundling multiple insurance policies with the same company might consider Geico as their company of choice.
Policyholders looking for affordable and robust homeowners policies over cheap car insurance rates might opt for National General as their company of choice.
The insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers the information they need to make educated decisions when shopping for a policy.
78
years of industry experience
9
licensed staff
34.5K
ZIP codes examined
120
carriers reviewed
Is Dairyland a good insurance company?
Bankrate's insurance editorial team used our real-world experience to evaluate more than 100 insurance companies to help you find the carrier that fits your needs, whether through cheap rates, high-risk insurance options, robust coverage add-ons or other key considerations.
Based on our in-depth Dairyland Insurance review, this company could be a good option for drivers who need high-risk car insurance. However, this company might fall short if you prefer to bundle your home insurance with your auto, prioritize affordable premiums or have customer service at the top of mind. The easiest way to determine if Dairyland is a good insurance company for you may be to speak with an agent and request a quote.
What are real-life customers saying about Dairyland?
When researching which car insurance company to choose as your carrier, reading Dairyland insurance customer reviews can give you insight into how current customers feel about the service they receive. To help you out, we have sourced customer reviews from Trustpilot and Google. Trustpilot reviews tend to be very specific in focus and both the companies and reviewers are verified. Additionally, Trustpilot shows how a company responds to a comment. Google reviews are also very detailed but do not allow companies to post a reply back to the commenter. Both platforms give you access to multiple perspectives, which can help you make a more informed decision.
Trustpilot
The Dairyland reviews on Trustpilot are overwhelmingly positive — 75 percent of the reviews are five-star ratings. Some negative feedback included customers having trouble with the app, concern about rate fluctuations and issues with SR-22 filings. One noteworthy observation is that Dairyland responds to most, if not all, unhappy customers directly, which may be a good indicator of their level of customer service.
Trustpilot user 1*
Jan 21, 2025
Quick and easy
The process to purchase and enroll online for the automobile insurance provided by Dairyland Insurance was quick, easy to understand, and seamless!
The Dairyland reviews on Google are also mostly positive. Google allows you to filter reviews based on commonly used keywords, which can be helpful if you are interested in certain topics such as SR-22s, quotes or motorcycle reviews.
Google user 1*
Jan 18, 2025
Agent fee
I wish the agent who generated the quote for car insurance would mentions there would be a agent fee added to the total cost of insurance. If I had known that I would not have used this company.
*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.
Dairyland company details
If you are considering Dairyland for your insurance carrier, here are some key contact details and resources to help you get a quote or manage your existing policy:
Dairyland offers standard coverage in 38 states. Standard coverage is not available in AK, HI, LA, MA, MI, MT, NH, NJ, NY, ND, OK, RI or Washington, D.C., although motorcycle insurance and nonstandard coverage may be available.
Dairyland tools and benefits
Other than high-risk car insurance, Dairyland offers a couple other perks, including:
Mobile app: Although app user reviews include complaints about functionality, Dairyland does have a free mobile app available to download through the Google Play Store and the App Store. You can’t make policy changes through the app, but you can make payments and access ID cards.
Learning center: Dairyland’s Learning Center blog could help you navigate the complicated world of insurance through its informative articles about a wide range of car insurance topics, from claims to SR-22s to car maintenance.
Renters insurance: If you live in a rental unit, having renters insurance may be required by your landlord. You may even qualify for a bundling discount if you purchase a renters policy and an auto policy from Dairyland.
Frequently asked questions about Dairyland
Each year on National Motorcycle Day, Dairyland encourages its policyholders to give back through soup kitchen donations, youth center volunteering or community clean up and to tag the company on social media with the #NationalMotorcycleDay.
The company has also partnered with the Arbor Day Foundation since 2021, helping to plant almost 100,000 trees. Dairyland encourages policyholders to go paperless in its efforts to help fight climate change, too.
Car accidents can be stressful, but knowing what to expect when filing a car insurance claim can help relieve some of the pressure you may feel. First, your insurance company will likely ask for basic information about the drivers and vehicles involved in the accident, like names and VINs. Next, your claims representative may want you to describe, in your own words, what happened during the incident. You may also need to provide supporting documentation, such as a police report.
When you have the necessary information, you can file a claim with Dairyland by calling 1-800-334-0090. The claims center is open 24 hours a day, seven days a week, 365 days a year. Although you can’t report a claim online, you can check your claim status after the claim is filed.
Dairyland advertises coverage options for high-risk drivers. This may include drivers with poor driving records, bad credit or high-risk vehicles. Dairyland also issues SR-22s for drivers who are required to file proof of insurance coverage with their state. However, requesting a personalized quote is the only way to know if Dairyland will issue a policy for you and your unique rating circumstances.
Methodology
Bankrate Scores
Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
Overall rating
Pie chart with 5 slices.
End of interactive chart.
5
Rating: 5 stars out of 5
Overall Score
Cost & ratings50%
Coverage & savings30%
Support20%
Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
Shannon Martin is a licensed insurance agent and Bankrate analyst with over 15 years of experience in the industry. She enjoys helping others navigate the insurance world by cutting through complex jargon and empowering readers to make strong financial decisions independently.
Jessa Claeys is an insurance editor for Bankrate with over a decade of experience writing, editing and leading teams of content creators. She is a licensed personal lines insurance producer in Colorado. Jessa currently covers auto, home and life insurance with the goal of helping others secure a healthy financial future. Her work has been published by several insurance, personal finance and investment-focused publications, including BiggerPockets, 401(k) Specialist, BP Wealth and more.
Bankrate follows a strict editorial policy, so you can trust that we’re putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions.
Key Principles
We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers.
Editorial Independence
Bankrate’s editorial team writes on behalf of YOU — the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information.
How we make money
You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey.
Bankrate follows a strict
editorial policy, so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers.
We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money.
Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range, can also impact how and where products appear on this site. While we strive to provide a wide range of offers, Bankrate does not include information about every financial or credit product or service.
Insurance Disclosure
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Edited by
