Is Dairyland a sustainable company?

Dairyland’s philanthropic efforts are mostly seen in its involvement in the motorcycle community. Each year on National Motorcycle Day, Dairyland encourages its cycle policyholders to give back through soup kitchen donations, youth center volunteering or community clean up, and to tag the company on social media along with the hashtag #NationalMotorcycleDay.

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, high credit scores 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 2024

Written by

Shannon Martin

Edited by

Lisa McArdle

Edited by

Lisa McArdle

Updated Dec 18, 2024

At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. 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

3.0

Bankrate Score

Score breakdown

Auto

3.0

Cost & ratings

3.2

Coverage

2.5

Support

3.4

Home

0.0

Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.

Bankrate's take

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
Possible homeowners or renters insurance discount for having coverage with a different provider

Dairyland car insurance

Dairyland car insurance earned a Bankrate Score of 3.0 out of 5 because of its 24/7 customer support and mobile app, although rates tend to be higher than normal and coverage isn’t available nationwide. Whether due to their credit-based insurance score, driving record or other high-risk rating factors, drivers having trouble finding coverage might find Dairyland's non-standard auto policies an attractive option.

Along with the standard coverage options one would expect, Dairyland offers a few standouts, including gap insurance, rental reimbursement and special equipment coverage to insure custom parts like aftermarket stereo and rims. Dairyland car insurance is available in 38 states, and along with car insurance, it also specializes in off-road 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 another company, and may also guide you in deciding whether the company is one that would best suit your individual 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 reviews
Not rated by J.D. Power

Dairyland car insurance cost

Dairyland rates are unavailable. Bankrate’s insurance editorial team analyzes rate data each year. We found that in 2024, the average cost of car insurance is $2,458 per year for a full coverage policy and $678 per year for a minimum coverage policy.

Dairyland customer satisfaction

Although comparing auto insurance rates when shopping for new coverage is an important step, price isn’t the only consideration. Another important factor to consider is customer satisfaction. To analyze this, Bankrate’s insurance editorial team includes third-party scores issued by J.D. Power in its study. However, J.D. Power did not include Dairyland car insurance in any of its 2023 auto insurance studies.

Dairyland auto insurance customer complaints

Our team also reviewed each carrier's complaint indexes from the National Association of Insurance Commissioners (NAIC). The NAIC keeps track of the number of complaints insurance companies receive and translates this data into a complaint index by product type for each carrier. To understand this score, know that 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 car insurance discounts

Dairyland has several discounts available 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 of the more unique savings opportunities you may qualify for with this insurer:

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.

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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.

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Compare Dairyland with other insurers

Drivers looking for high-risk car insurance, SR-22 filings and non-owner insurance, who don’t prioritize bundling policies with the same company, might consider Dairyland as their company of choice. Dairyland is a unique insurer that is unavailable in some states. If you’re considering Dairyland, but want to know how other providers compare before making your decision, you may want to consider requesting quotes with one or more of the companies below:

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

Our insurance editorial team includes licensed agents with decades of combined experience, and we used our intimate knowledge of the industry to conduct this in-depth Dairyland insurance review.

years of industry expertise

122

carriers reviewed

34.5K

ZIP codes examined

1.2M

quotes analyzed

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 that be 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 with non-standard rating factors who need high-risk car insurance. However, this company might fall short if you prefer to bundle your home with your auto, prioritize affordable premiums, or have customer service at 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 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

Mar 4, 2023

Dairyland customer service

“Fast, EXTREMELY knowledgeable and helpful Representative. I have sworn by Dairyland Insurance my entire adult life, and I have NEVER been disappointed. No judgment about tickets or legal issues. They simply quote you a policy to fit your needs, usually an amazingly affordable one, at that!”

via Trustpilot

Trustpilot user 2

Dec 6, 2023

Premium

"It is very pricey and not easy to make payments even though you did give me insurance that I so desperately needed. I feel the overpricing was done because of my situation. The price of my monthly payments is more than my car payment. But I didn’t have a choice."

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 1, 2023

SR:22

“Easy to purchase. Decent price. The issue is it was advertised I could purchase SR22 insurance and go renew my license the next day. Even the agent I spoke with said so. This is not the case. You have to MAIL a copy to the DPS headquarters and it takes up to 21 days to process. Cost me a lot of headaches and time dealing with the DPS office waiting to be told otherwise.“

via Google reviews

Google user 2

Jan 1, 2024

SR22

“I needed an SR-22 on a Friday afternoon. Within 15 minutes I got exactly what I needed while I was in the DMV parking lot on my phone . I got back inside just as they were locking the doors and was able to take care of business. Stellar service!“

via Google reviews

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:

For customer service, call 1-800-334-0090
If you are looking to purchase a new policy, call the sales line at 1-888-344-4357
If you need to report or have questions about your claim, call the claims department at 1-800-334-0090
For further questions or to manage your policy online, visit the website at dairylandinsurance.com

State availability

Dairyland offers coverage in 38 states. It is not available in AK, HI, LA, MA, MI, MT, NH, NJ, NY, ND, OK, RI or Washington, D.C.

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 discounts if you purchase a renters policy and an auto policy from Dairyland.

Frequently asked questions about Dairyland

Dairyland’s philanthropic efforts are mostly seen in its involvement in the motorcycle community. Each year on National Motorcycle Day, Dairyland encourages its cycle policyholders to give back through soup kitchen donations, youth center volunteering or community clean up, and to tag the company on social media along with the hashtag #NationalMotorcycleDay.
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, high credit scores 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 utilizes Quadrant Information Services to analyze the latest rates in November 2024 for ZIP codes and carriers in all 50 states and Washington, D.C. Rates include the most recent approved rate changes filed by insurance companies that affect our profile. These revised rates are then weighted based on the population density in each geographic region so that policyholders can see the impact rates have in their areas.

Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

$100,000 bodily injury liability per person
$300,000 bodily injury liability per accident
$50,000 property damage liability per accident
$100,000 uninsured motorist bodily injury per person
$300,000 uninsured motorist bodily injury per accident
$500 collision deductible
$500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Age: Rates were calculated by evaluating our base profile with the ages 16-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts.

The rates for drivers ages 16-20 added to their parents' policy reflect the good student and driver's training discounts applied. The rates for drivers aged 16-20 on their own policy do not include the good student and driver's training discounts. Additionally, 25-year-old rates are based on the driver as a renter and 30+ on the driver as a homeowner.

Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), single speeding ticket and single at-fault accident.

Bankrate Scores

Our 2024 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.

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 and home insurance companies satisfy these priorities, average 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 NAIC, were analyzed.
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 each company’s discount options listed on its website.
Tier 3 (Support): To encompass the many ways an auto and home 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 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.