Is Dairyland a sustainable company?

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.

How can I file a claim with Dairyland?

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.

Is Dairyland a high-risk auto insurance company?

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.

Dairyland insurance review 2025

Written by

Shannon Martin

Edited by

Jessa Claeys

Edited by

Jessa Claeys

Updated Feb 07, 2025

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 ,this post may contain references to products from our partners. Here's an explanation of .Our content is backed by Coverage.com, LLC, a licensed entity (NPN: 19966249). For more information, please see our .

At a glance

3.6

Bankrate Score

Score breakdown

Auto

3.6

Cost & ratings

4.3

Coverage

2.5

Support

3.4

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 $2,678 per year for full coverage and $799 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.

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.

Get personalized auto insurance quotes

Answering a few quick questions to check your availability with Dairyland

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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.

Learn more: Amica Insurance review

Dairyland vs. Geico

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.

Learn more: Geico Insurance review

Dairyland vs. National General

Policyholders looking for affordable and robust homeowners policies over cheap car insurance rates might opt for National General as their company of choice.

Learn more: National General Insurance review

Why you can trust Bankrate

Read our full methodology

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.

years of industry experience

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!

via Trustpilot

Trustpilot user 2*

Jan 23, 2025

Didn’t cover my accident

Never again :/ disappointed I supposedly got a full coverage and didn’t even cover my car when I end up getting into a car accident.

via Trustpilot

Google reviews

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.

via Google reviews

Google user 2*

Jan 31, 2025

Great company

Love this company great customer service and easy to work with.

via Google reviews

*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:

Customer service: 1-800-334-0090
Sales: 1-888-344-4357
Claims: 1-800-334-0090
Website: dairylandinsurance.com

State availability

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 Score

Cost & ratings 50%
Coverage & savings 30%
Support 20%

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.