Dairyland Insurance was established in 1953 and is headquartered in Wisconsin. The company sells auto insurance, motorcycle insurance and off-road vehicle insurance in 37 states. Dairyland advertises affordable car insurance policies and also offers non-standard insurance, including SR-22 filings, for high-risk drivers.
Dairyland offers several discount opportunities for drivers who want to get a lower rate. In terms of coverage, the company offers several endorsements for more protection, like gap insurance and special parts coverage.
While Dairyland has excellent financial strength ratings, it has a higher number of complaints from past and current policyholders than is considered normal. This is important to keep in mind, because it indicates that customers may have been dissatisfied with customer service or claim payouts.
- Date established: 1953
- Insurance products offered: Auto, motorcycle and off-road
- AM Best financial strength rating: A+ (Superior)
- NAIC complaint index: 2.69
- Availability: 37 states
|Good discounts||Limited availability|
|Offers non-standard policies||High number of company complaints|
|SR-22 filing for high-risk drivers|
Dairyland car insurance
Dairyland specializes in auto insurance and is known for its non-standard policies for high-risk drivers. The company advertises cheap car insurance premiums, but keep in mind that every driver will pay a different rate for coverage. While Dairyland might be the cheapest provider for you compared to other car insurance carriers, you are not guaranteed a low rate.
Types of coverage
Dairyland offers full coverage and minimum coverage policies that comply with state requirements. You can purchase liability, comprehensive, collision, medical payments, uninsured/underinsured motorist coverage and personal injury protection insurance, depending on your state’s car insurance laws.
In addition to standard auto insurance policies, Dairyland also offers several add-on coverage options, including:
- Special equipment coverage: Special equipment coverage pays to repair or replace aftermarket or custom parts you have installed in your vehicle after a covered claim.
- Gap insurance: If your car is financed or leased, gap insurance will help pay off your loan balance if your new car gets totaled in a covered accident.
- Rental reimbursement: Rental reimbursement will pay for a rental car if your vehicle is getting repaired after a covered accident.
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 policy bundling, here are some of the more unique savings opportunities you can get:
- Homeowner discount: If you own a home that is insured, you may qualify for a discount. You can also get a renters discount in some states.
- 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.
- 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.
Dairyland ratings, reviews, customer satisfaction and complaints
Dairyland auto insurance reviews are generally good. The company has an A+ (Superior) financial strength rating from AM Best, indicating a strong history of its ability to pay out claims. The company is not rated by J.D. Power or Standard and Poor’s (S&P).
Additionally, Dairyland offers a free mobile app for iOS and Android users. The app has decent reviews, with a 4.2 star rating on the Google Play Store and 3.0 rating in the App Store. In the app, customers can make payments, download ID cards and contact an agent. However, it may be worth considering that Dairyland has received a high number of complaints as indicated in the National Association of Insurance Commissioners (NAIC) Complaint Index, with a complaint index of 2.69. This is more than twice as high as the national baseline of 1.0. All in all, the company has received 14 complaints in 2020.
Reasons Dairyland insurance is a good option
Dairyland is a good insurance company for high-risk drivers, including those convicted of a DUI/DWI, have a messy driving record, have a poor credit score or have a long lapse in insurance coverage.
Not only does Dairyland advertise cheap car insurance rates, but it also sells SR-22 insurance, which is a requirement for some drivers after a serious traffic violation. The company also has more relaxed underwriting requirements, which might make it easier for high-risk drivers to get approved for a policy.
However, Dairyland has a few downsides. You can only purchase insurance in 37 states and the company has a very high number of complaints. Potential policyholders may want to take a holistic view of the insurer before deciding if its offerings are a right fit for them.
Additional policies offered by Dairyland
In addition to auto insurance, here are the insurance products available from Dairyland:
- Motorcycle insurance
- Off-road insurance
- Non-owner insurance
- SR-22 insurance
Frequently asked questions
What is the best auto insurance company?
The best auto insurance company is different for every driver. Some companies are better suited for drivers who want cheap rates, while others are better for drivers who want the best customer service. To find the best car insurance company, it’s usually best to shop around for policies from multiple carriers to compare what they offer. Those who have difficulty finding the right fit should consider speaking with a licensed insurance professional before purchasing.
Where is Dairyland insurance available?
Dairyland sells car and motorcycle insurance policies in 37 states. However, not all policy options and discounts are available in every state. Additionally, the regulations around SR-22 certificates vary by state.
What is SR-22 insurance?
SR-22 is a certificate that proves a driver carries their state’s minimum insurance requirements. It is not its own insurance policy. Not all drivers need an SR-22. Typically, drivers who get a DUI or DWI, have their license suspended, get caught driving without insurance or have multiple at-fault accidents are required to get it. In most states, an SR-22 will stay on a driver’s record for at least three years. Dairyland offers same-day SR-22 issuing to help drivers get back on the road quickly.