Dairyland Insurance Review
- With 2.1/5 stars in 2023, Dairyland is a decent insurance company.
- Read Dairyland reviews, complaints and prices before you buy.
Dairlyand insurance: Ratings and reviews
Dairyland Insurance, headquartered in Wisconsin, provides car insurance coverage across the United States, in all 50 states. This insurer is known for its focus on high-risk drivers, offering them coverage options when they may have difficulty securing insurance elsewhere. This review will provide a balanced look at Dairyland's services, pricing, and customer satisfaction.
Coverage options for high-risk drivers
Offers SR-22 insurance for drivers with serious infractions
Fewer discounts compared to other insurers
Some customers report slow claims processing
The Zebra Customer Satisfaction Survey
In addition to third-party ratings, we like to incorporate the results from our own consumer survey where we ranked which auto insurance companies are the best based on feedback from real customers. However, we did not collect a sufficient amount of data on Dairyland for it to be included.
How much does Dairyland insurance cost?
Currently, the national average for a 6 month car insurance policy is $880, whereas Dairyland is about $2576 or roughly 193% more expensive than a typical policy, so definitely not one of the cheapest auto insurance options available.
The table below shows how Dairyland auto insurance compares against other top insurers.
Similar to any insurance company, pricing for Dairyland auto insurance does vary based on your age and generally will get cheaper the older you get. The table below shows Progressive's car insurance premiums for different age brackets.
|Age Group||Avg. Monthly Premium|
Dynamic auto insurance data methodology
Methodology: The auto insurance rates displayed above and throughout this page are dynamic, meaning the data will refresh when the most recent information is made available. Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage. This profile was adjusted based on common pricing factors used by major car insurance companies, like age, coverage level, driving record and others.
Dairyland offers several types of discounts to its policyholders, including:
- Multi-car - Insure more than one vehicle with Dairyland and receive a discount.
- Transfer discount - Switching to Dairyland after six months or more with another provider will earn you this discount.
- Advanced quote - Receive a discount if you purchase your policy several days before it goes into effect.
- Defensive driving - Complete a certified defensive driving course for a potential discount.
- Anti-theft - Policyholders who install approved anti-theft devices in their vehicles can qualify for this discount.
Read a full list of Dairyland's car insurance discounts here.
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What types of coverage does Dairyland offer?
Dairyland provides standard coverage options such as liability, collision, and comprehensive coverage. Additionally, they offer non-standard coverage such as SR-22 insurance for high-risk drivers who need to demonstrate financial responsibility after serious traffic infractions.
- Rental reimbursement - Covers the cost of renting a temporary replacement vehicle while your vehicle is being repaired due to a covered claim.
- Towing and labor - If your car breaks down during your journey, this add-on will cover towing and some roadside repairs.
- Lienholder coverage - If your leased or financed car is totalled before it's paid off, this coverage can help.
- Special equipment - This coverage helps pay for the customizations you've made to your car.
More information on Dairyland's additional coverage options can be found here.
Dairyland mobile app
Dairyland insurance offers a mobile app for easy policy management. Capabilities include the following:
- Make a payment
- Get bill alerts
- Access your account
- View ID cards
Dairyland insurance review: Summary
Dairyland Insurance is a unique provider catering to high-risk drivers and those needing SR-22 coverage. Their coverage options can be a lifeline for drivers who may struggle to find insurance elsewhere, but rates are particularly steep. Their online and mobile presence is basic but accessible, so customers should be able to get their needs met digitally. Overall, The Zebra thinks Dairyland is a good option for high-risk drivers, but standard customers would probably be deterred by the rates.
Methodology — how The Zebra reviews insurance companies
The team of insurance experts at The Zebra considers the company's standing in five main categories to come up with an overall rating. These metrics are weighted according to importance and are detailed below:
- Price (20%): Using the base profile detailed below, we compared the company's average rate with the national average. If it surpassed this average, we gave a lower rating; if it fell below, we awarded a higher rating.
- Coverage (20%): The highest-scoring companies offer a variety of coverage options, including bundling options, roadside assistance, telematics, beyond-basic coverage levels, and a variety of other coverage types.
- Customer service (30%): We averaged ratings from JD Power, the NAIC complaint index to come up with a rating for the company's customer service. In instances when a company is not rated, we may use alternative rating agencies such as the Better Business Bureau and Trust Pilot.
- Financial strength (10%): We use AM Best to determine a company's financial standing. In some cases when a company is not rated by AM Best, we may use an alternative measure such as Demotech.
- The Zebra's Customer Satisfaction Survey (20%): The Zebra conducts an annual survey measuring customer satisfaction for many of the top insurance companies with the goal of ranking both the best auto insurance companies and best home insurance companies. Read more below.
For our auto insurance review, we analyzed more than 83 million insurance rates spanning every U.S. ZIP code using a sample user profile: a 30-year-old single male driver with a Honda Accord, good credit and full coverage at these levels:
- $50,000 per person/$100,000 per incident for bodily injury liability
- $50,000 per incident for property damage liability
- $500 deductibles for collision and comprehensive coverage
For our home insurance review, rates are based on a sample user profile: a 45-year-old married homeowner living in a 2,500-square-foot single-story home built in 2011 with these coverage levels:
- $200,000 for the dwelling
- $20,000 for other structures
- $100,000 for personal property
- $100,000 for personal liability
- $1,000 deductible
These sample premiums are dynamic and automatically refresh whenever the newest data is made available.
To generate pricing for particular rating factors, we adjusted this profile based on common pricing factors used by major car insurance companies. These factors include credit score, coverage level and others.
For The Zebra's Customer Satisfaction Survey, findings are based on an online quantitative survey of 4,134 current U.S. auto and home insurance customers, with Census-balanced sampling by age, gender and region. Categories with n=<20 responses are considered insufficient sample size and are not reported. This survey was developed by The Zebra and executed by independent research firm Maru/Blue in 2023.
Dairyland insurance: Frequently asked questions
Is Dairyland a good insurance company?
Dairyland insurance is a good option for high-risk drivers and those requiring SR-22 coverage, although rates may be relatively high. Standard drivers are likely better off looking elsewhere as their rates tend to be higher with fewer discounts.
Is Dairyland insurance legit?
Yes, Dairyland Insurance is a legitimate insurance company known for its auto and motorcycle insurance products, especially catering to drivers who may face challenges with traditional insurers due to their "high-risk" classification.
Why is Dairyland insurance so cheap?
According to our data, Dairyland averages much higher than other insurance companies. However, you should always compare quotes from multiple insurers as your unique driver profile and chosen coverage level can make your rate vary greatly from "average" rates.
In what states does Dairyland sell insurance?
Dairyland sells insurance in AL, AZ, CO, FL, IA, IL, IN, KS, KY, MD, MO, NC, NM, NV, OH, OR, PA, SC, TN, TX, UT, VA, WA, WI, and WV.
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.