Dairyland Insurance Review: Auto and Motorcycle
Editor's Rating
Dairyland provides auto, motorcycle and off-road insurance to drivers around the country. The company offers fairly standard coverage options; however, its customer satisfaction ratings are subpar. Dairyland's insurance rates are also significantly higher than its competitors, making it a poor choice for most drivers.
Consider these insurers as alternatives to Dairyland
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Dairyland auto insurance
Dairyland auto insurance quotes
Dairyland's car insurance quotes are significantly more expensive than its competitors. A minimum-coverage policy costs on average $1,790 per year, which is $935 more than average, based on the quotes we gathered.
Dairyland's full-coverage policy costs $4,242 per year — $3,076 more than Geico, the cheapest insurer we found.
Drivers with an accident on their records can also find much more affordable car insurance elsewhere. A full-coverage policy from Dairyland costs $5,817 for a driver with a single at-fault accident, which is $4,208 more expensive than a policy with State Farm.
Dairyland car insurance rates vs. competitors
Company | Minimum coverage | Full coverage | Accident |
|---|---|---|---|
| Geico | $460 | $1,186 | $1,732 |
| State Farm | $578 | $1,343 | $1,609 |
| Progressive | $1,127 | $2,339 | $3,680 |
| Dairyland | $1,790 | $4,262 | $5,817 |
Auto insurance rates vary based on where you live, the car you drive, your driving history and the coverage limits you choose, which is why it's important to compare car insurance quotes in order to find the best policy for you.
Dairyland car insurance policies and coverages
Dairyland car insurance offers a full suite of coverage options commonly found in a full-coverage car insurance policy, including bodily injury and property damage liability, uninsured and underinsured motorist coverage, personal injury protection, medical payments coverage and comprehensive and collision coverage.
Dairyland offers several common add-on coverages, which can be found with most large insurers, including:
Add-on coverages | Description | Cost |
|---|---|---|
| Towing and labor coverage | Offers roadside assistance and pick-up services in the event of a car accident | $24 for $75 of coverage |
| Rental reimbursement | Pays for transportation expenses incurred when your car is being repaired | $72 for coverage of $25 per day and a total limit of $750 |
| Special equipment coverage | Reimburses damage to special equipment installed in your vehicle, such as custom paintwork, interior modifications, special wheels or tires and permanent electronic systems not installed by the vehicle manufacturer | $120 for $1,000 of coverage |
Annual add-on cost estimates are based on a single, 30-year-old male in South Carolina.
Drivers who are required to carry SR-22 car insurance can benefit from Dairyland's lack of additional fees or surcharges. SR-22 filings alone will typically cost between $15 and $25, though the exact price varies by state. However, we found significantly better SR-22 rates from other insurers, which cancel out this savings.
Nonowner car insurance
Dairyland offers nonowner car insurance to people who frequently drive a car they don't own. A nonowner car insurance policy may be the right fit for you if you're in between vehicles, you borrow someone else's car from time to time or you rent vehicles frequently.
Nonowner car insurance policies cover damage to other vehicles and property that's incurred while driving a car you do not own. These policies don't cover damage to the vehicle you're driving, your personal property or medical expenses.
Dairyland auto insurance discounts
Dairyland offers several common car insurance discounts, including:
- Multicar when you have more than one vehicle on your policy.
- Advanced quote if you get a quote at least one week before initiating coverage.
- Policy transfer for starting a new policy with Dairyland after switching from a carrier you had previously been with for at least six months.
- Payment frequency when you make frequent, on-time payments, or pay ahead in full.
- Homeowners and renters for having homeowners or renters insurance, even if your policy is with another insurer.
- Defensive driving for drivers who pass a defensive driver course with proof. Some safety courses and discounts are eligible for seniors only.
- Antitheft if you secure your vehicle with an antitheft device such as a car alarm or smart key.
Dairyland motorcycle insurance
Dairyland motorcycle insurance quotes
Dairyland's motorcycle insurance rates are also more expensive than its competitors. A full-coverage policy from Dairyland costs $881 per year, on average. That's $288 per year more than the cheapest insurer we found, Nationwide.
Dairyland motorcycle insurance rates vs. competitors
Company | Average annual rate |
|---|---|
| Nationwide | $593 |
| Geico | $610 |
| Progressive | $625 |
| Markel | $822 |
| Allstate | $854 |
| Dairyland | $881 |
Insurance rates may vary widely by region and property. We recommend gathering multiple quotes to ensure you get your best rate.
Dairyland motorcycle insurance coverage
Dairyland's motorcycle insurance policies include standard coverages, such as personal liability, comprehensive and collision, medical payments and uninsured/underinsured motorist.
Dairyland offers several additional protections, including a somewhat rare benefit: replacement cost coverage of motorcycles three years old or less. Many other insurance companies will have only a one-year cap or set a mileage limit.
Optional coverages include:
- Physical damage plus ensures that original manufacturer replacement parts are used to repair your vehicle to like-new condition.
- Replacement cost coverage for motorcycles three years old or newer pays for a new bike if yours is totaled.
- Rental reimbursement provides a vehicle while yours is being repaired after an accident.
- Roadside assistance provides access to 24-hour towing if you have a mechanical or electrical breakdown.
- Optional/special equipment coverage protects custom equipment that isn't factory standard.
- Trip interruption coverage pays for expenses like food, lodging, transportation, lost deposits and towing if you're in an accident more than 100 miles from home.
Dairyland motorcycle insurance discounts
Motorcycle riders, particularly Harley-Davidson owners and motorcycle club members, may also benefit from Dairyland's diverse pool of discounts, including:
- Multicycle discount when you insure multiple motorcycles with Dairyland.
- Harley owners group (H.O.G.) members discount for bikers who own a Harley-Davison motorcycle and pay to be a member of H.O.G.
- Rider group membership discount for riders who are part of an affiliated club on Dairyland's approved list.
- Homeownership discount when you own an insured house, condo or mobile home, even if that policy is with another insurer.
- Loyalty discount for existing Dairyland customers replacing or adding a new motorcycle to their policy.
- Rider course discount if you have voluntarily taken and passed a motorcycle safety course in the past five years.
- Transfer discount for bikers currently insured with another company who switch to Dairyland.
Where is Dairyland insurance available?
Dairyland offers motorcycle insurance in 48 states , though its car insurance policies are only available in 38 states.
Dairyland auto insurance is not available in the following states:
Dairyland is a subsidiary of Sentry Insurance, the parent company of Viking Insurance Co. of Wisconsin, Peak Property and Casualty and several other insurance providers that may underwrite Dairyland coverages.
Dairyland customer service
Dairyland has below-average customer service ratings, according to the National Association of Insurance Commissioners (NAIC). The NAIC rates insurers based on the number of customer complaints they receive relative to their size. Insurers with fewer complaints receive lower scores, with the average being 1.00.
Dairyland received a complaint index of 2.69, meaning that it has more complaints than its competitors. The most common complaints were related to policy cancellation, unsatisfactory settlement offers and underwriting delays.
If you are unsatisfied with your coverage and would like to discontinue your policy, you should call your agent directly to begin your Dairyland auto insurance cancellation.
Dairyland has received an A+ "superior" financial strength rating from AM Best, among the highest ratings offered on AM Best's scale, indicating excellent financial stability. Customers should not be concerned about Dairyland's long-term capacity to pay out claims.
Dairyland insurance claims
The only way for Dairyland policyholders to file a claim is over the phone. Drivers must call the 24/7 claims service number to begin the process: 800-334-0090.
Additionally, existing customers can make payments, download ID cards and view policy documents online by signing in to the My Dairyland insurance website or via the Dairyland app.
Frequently asked questions
Is Dairyland insurance good?
Auto and motorcycle insurance from Dairyland is expensive, and the company has poor customer service scores. For those reasons, drivers should compare car or motorcycle insurance quotes from other companies.
Who owns Dairyland insurance company?
Dairyland Insurance was acquired by Sentry Insurance in 1966. Viking Insurance Co. of Wisconsin, Peak Property and Casualty and a handful of other insurers are also owned by Sentry and may underwrite Dairyland insurance policies.
Methodology
To compare the cost of Dairyland's auto and motorcycle insurance policies, we used sample profiles based on typical customers.
For our auto insurance review, we compiled quotes for a 30-year-old male living in South Carolina and operating a 2015 Honda Civic EX, based on the following coverage levels:
Coverage | Minimum coverage | Full coverage |
|---|---|---|
| Bodily injury liability | $25,000/$50,000 | $50,000/$100,000 |
| Property damage liability | $25,000 | $25,000 |
| Uninsured motorist bodily injury | $25,000/$50,000 | $50,000/$100,000 |
| Underinsured motorist bodily injury | Not included | $50,000/$100/000 |
| Uninsured motorist property damage | $25,000 | $25,000 |
| Comprehensive and collision | Not included | $500 deductible |
For our motorcycle insurance review, we collected quotes from six major motorcycle insurance companies across 50 states. Our sample rider was a 45-year-old man who rides a 2021 Harley-Davidson Street Glide. The coverage limits we used, which surpass all state minimums, are:
Coverage | Limit |
|---|---|
| Bodily injury liability | $100,000/$300,000 |
| Property damage liability | $50,000 |
| Comprehensive and collision | $500 deductible |
| All other coverages | Not included unless legally required |
Auto insurance quotes used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may differ.