Dairyland insurance review 2024

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.

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

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.

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.

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

Bankrate utilizes Quadrant Information Services to analyze the latest rates in April 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.

• 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.