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Dairyland auto insurance review 2022

Updated Nov 15, 2022
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Drivers in need of high-risk auto insurance may want to consider Dairyland car insurance as their company of choice.

Pros

  • Offers non-standard policies
  • Online quoting available
  • SR-22 filing option for high-risk drivers

Cons

  • Not available in all states
  • National Association Of Insurance Commissioners (NAIC) Complaint Index score of 2.52 indicates twice as many customer complaints compared to the average
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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. Bankrate’s comprehensive Dairyland Insurance review could help you decide if this company is the right fit for your needs.

Dairyland car insurance

Dairyland car insurance 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.

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. Optional add-on coverage includes gap insurance, rental reimbursement, and special equipment coverage to insure aftermarket or custom parts you have installed in your vehicle after a covered claim.

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Dairyland car insurance cost

Average rates for Dairyland car insurance policies aren’t available, but it can help to know other numbers for comparison. The average cost of car insurance nationwide is $1,771 per year for full coverage and $545 per year for minimum coverage. Drivers with some blemishes on their driving records may experience higher rates. Below are the average car insurance for high-risk drivers with a full coverage policy:

Driving record Annual cost of full coverage car insurance Monthly cost of car insurance Increase above national average
Clean driving record $1,771 $148 $0
Speeding ticket $2,138 $178 $367
At-fault accident $2,521 $210 $750
DUI conviction $3,421 $285 $1,650

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 policy bundling, here are some of the more unique savings opportunities you may qualify for with this insurer:

Dairyland car services

Dairyland does not indicate whether it offers any extra services for car insurance policyholders.

Other Dairyland perks worth considering

In addition to car insurance, Dairyland also offers the following insurance products:

  • Motorcycle insurance: If you own a motorcycle, you’ll need this separate policy to insure your ride.
  • Off-road vehicle insurance: This Dairyland policy insures off-road vehicles like ATVs, side-by-sides, snowmobiles and dirt bikes.

Dairyland corporate sustainability

Dairyland occasionally partners with other nonprofit organizations for short-term initiatives. This includes working with the Arbor Day Foundation by planting trees in honor of customers who switched to paperless billing. The company has also teamed up with organizers Marcus Luttrell and Whitney Meza to support their #NationalMotorcycleDay on July 9, 2021. This day is for motorcycle riders to complete good deeds in local communities.

Not sure if Dairyland is right for you?

Shopping around and requesting quotes from multiple carriers can help you find the best car insurance. If Dairyland doesn’t feel like the perfect fit for you, some alternatives include:

  • Amica: Amica offers some of the most competitive average car insurance rates for high-risk drivers, and it could be worth a look.
  • Geico: Geico already offers some of the cheapest car insurance rates on average, and drivers could potentially save even more with the Drive Safe and Safe telematics program.
  • Esurance: If you’re looking for a fully digital experience to manage your car insurance, Esurance could be an option to explore.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on 40-year-old male and female homeowners with a clean claim history, good credit and the following coverage limits:

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  • $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 sample drivers own a 2020 Toyota Camry, commute five days a week and drive 12,000 miles annually.

Age: Rates were calculated by evaluating our base profile with the ages 18-60 (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.

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.

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