Skip to Main Content
Powered by Coverage.com (NPN: 19966249)

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.

Dairyland insurance review 2024

Updated Dec 21, 2023

At a glance

3.1
Rating: 3.1 stars out of 5
Bankrate Score
Caret Down

Auto

Rating: 3.1 stars out of 5

3.1

Caret Down

Cost & ratings

Rating: 3.2 stars out of 5

3.2

Coverage

Rating: 2.5 stars out of 5

2.5

Support

Rating: 3.8 stars out of 5

3.8

About Bankrate Score

Bankrate's take

 

Who Dairyland may be good for: Dairyland may be a suitable carrier for high-risk drivers willing to pay more to secure coverage.

 

Who Dairyland may not be good for: Dairyland  may not be a good option if you qualify for coverage with a standard carrier or you live outside its 38-state coverage area.

Answer a few questions to see personalized rates from top carriers

Dairyland car insurance

Dairyland car insurance earned a Bankrate Score of 3.1 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
  • Average rates are much higher than average

  • Mobile app may lack some functionality and features, based on app store reviews

  • Not rated by J.D. Power

Dairyland car insurance cost

Bankrate’s insurance editorial team analyzes rate data each year. We found that in 2023, the average cost of car insurance is $2,014 per year for a full coverage policy and $622 per year for a minimum coverage policy. Dairyland comes in much higher, with yearly rates of $3,426 and $811 for full and minimum coverage, respectively.

Dairyland car insurance rates by driving history

Using proprietary rate data from Quadrant Information Services, Bankrate analyzes rates over time to help you find cheap car insurance. We also review rates in different parts of the United States and compare rates using various rating factors (drivers with poor credit or young drivers, for example) to better spot trends in premiums.

One rating factor that can significantly impact how much you pay for car insurance is your driving record. However, insurance companies weigh some types of activity more heavily than others. For instance, an at-fault accident may increase your premium more than a speeding ticket, as demonstrated in the table below.

Although Dairyland specializes in high-risk car insurance, it may not offer a policy for drivers who have a DUI in all cases. As such, we have omitted DUI rates from our data. For further information regarding DUI rates, please get in touch with a Dairyland agent.

Dairyland full coverage premium National full coverage premium
Clean driving history $3,426 $2,014
Speeding ticket conviction $3,780 $2,427
At-fault accident $4,493 $2,854
DUI conviction $3,996 $3,091

*All rates displayed are average annual rates.

Dairyland car insurance quotes by age

Of all fatal crashes, 7.8 percent involve a driver aged 15 to 20. Statistically, younger drivers are more likely to cause car accidents than older drivers, and the accidents younger drivers are involved in are typically more severe. To offset this risk, young drivers may pay some of the most expensive rates for car insurance, but how much more they pay could depend on whether they are listed on their parents’ policy or are on their own policy. 

Average cost of car insurance for drivers on their parents’ policy
Dairyland full coverage premium National full coverage premium
Age 16 $6,505 $4,392
Age 17 $6,297 $4,102
Age 18 $6,105 $3,837
Age 19 $5,876 $3,345
Age 20 $5,251 $3,149

*All rates displayed are average annual rates.

Average cost of car insurance for drivers on their own policy 
Dairyland full coverage premium National full coverage premium
Age 18 $9,149 $6,110
Age 25 $4,656 $2,473
Age 30 $3,696 $2,125
Age 40 $3,426 $2,014
Age 60 $3,209 $1,824

*All rates displayed are average annual rates.

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:

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.
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.
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.
If you pass a defensive driving course and provide proof of completion to Dairyland, you could save on your car insurance premiums.
Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Get personalized auto insurance quotes

Answering a few quick questions to check your availability with Dairyland
Caret DownCaret Up
Please select age
Location-Icon
Badge No spam. No fees. No surprises.
Powered by Coverage.com (NPN: 19966249)
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.

See more providers in
Choose from insurers in

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

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.

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.

Study or Rating Agency Dairyland Industry average
2023 J.D. Power Digital Experience Study - Service Not scored 702/1,000
2023 J.D. Power Digital Experience Study - Shopping Not scored 521/1,000
AM Best rating A+ (Superior) N/A

Dairyland customer complaints

In addition to J.D. Power scores, we review 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 auto complaints

Dairyland receives more complaints than expected for its auto insurance product. This, combined with a lack of J.D. Power data for the carrier, may prompt shoppers to speak with existing policyholders about their experience before purchasing a policy from Dairyland.

Other 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

Clock Wait
46
years of industry expertise
Search
122
carriers reviewed
Location
20.7K
ZIP codes examined
Dollar Coin
1.2M
quotes analyzed

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2023 rates for ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. 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 2021 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 2023 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. 

Like our previous Bankrate Scores, 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. This year, our 2023 scoring model provides a more comprehensive view, indicating when companies excel across several key areas and better highlighting where they fall short.

  • Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, 2023 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 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 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.

Savings

Compare rates and save on auto insurance today!

ZIP code
Close X
Written by
Emma Woodward
Contributor, Personal Finance

Emma Woodward is a contributor for Bankrate and a freelance writer who loves writing to demystify personal finance topics. She has written for companies and publications like Finch, Toast, JBD Clothiers and The Financial Diet.

Edited by Editor, Insurance