Dairyland Insurance Review (2026)
- Overall rating: good(3.3/5 stars)
- Average cost: $2,576 for a 6-month policy
- Digital Experience Score: Good (3.7/5 stars)
Read more below to get a quote directly from Dairyland.
Dairyland Insurance: A good choice high-risk drivers
Dairyland Insurance earns a good score from Zebra experts for its specialized coverage options tailored to high-risk drivers and competitive rates for those who may struggle to obtain standard policies.
Financial stability: Strong ratings indicate the carrier can pay claims during major events.
Mobile management: Manage claims, payments, and documents from your phone.
Self-service: Complete tasks independently without waiting for an agent.
Processing delays: Slow processing delays reimbursement when you need funds.
Communication gaps: Poor communication forces you to chase down claim updates.
Claim risk: Unfair resolution can leave valid claims unpaid.
How The Zebra evaluates insurance companies
| Rating | Explanation | Star rating equivalent |
|---|---|---|
| Subpar | Lowest ranking, suggesting instability or high risk | 0-1.9 |
| Fair | Somewhat stable but not consistently reliable | 2-2.9 |
| Good | Generally dependable with moderate stability | 3-3.9 |
| Solid | Strong, reliable and dependable with minor risks | 4-4.4 |
| Exceptional | Highest rating, indicating outstanding stability and reliability | 4.5-5 |
Methodology — how The Zebra reviews insurance companies
The team of insurance experts at The Zebra evaluates companies by focusing on customer experience first, with an emphasis on service quality, reliability, and ease of interaction. Unlike previous models, pricing is not scored but is instead presented separately as context for comparison.
Each category has been scored using a combination of our internal customer satisfaction survey results and published scores from reputable organizations such as AM Best and J.D. Power.
- Service Accessibility & Support Quality (25%): This category measures how easy it is to get help when needed, evaluating factors such as support channel availability (phone, chat, in-person, app), response times, agent knowledge, service hours, and language accessibility.
- Claims Experience (25%): This category assesses how smoothly the claims process works, considering ease of filing (online, app, or phone), transparency and communication, processing times, and fairness in dispute resolution.
- Digital Experience & Policy Management (25%): This category evaluates the convenience of managing your policy: this includes mobile app usability, website experience, account management, digital document access, self-service options, and platform integrations
- Trust & Reliability (25%): This category looks at a company’s overall reliability, measuring financial strength, market stability, regulatory history, communication transparency, and consistency in policy terms.
Price context: Pricing varies significantly based on individual circumstances and risk factors. Customers can evaluate cost-effectiveness based on their specific situation and the service quality scores provided.
How much is Dairyland car insurance?
Currently, the national average for a 6-month car insurance policy is $1,084, whereas Dairyland is about . Because Dairyland works with higher-risk individuals, the rates are typically more than standard carriers can offer.
The Zebra’s Dynamic Insurance Rating Tool data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
See how Dairyland stacks up against competitors →
Discounts offered at Dairyland: similar options to competitors
Dairyland stands out as a good option for those who may not be able to get insurance from standard carriers. The company may be slightly more limited on discounts than larger companies, however. Verify with your agent about available ways to save. Dairyland does feature some discounts, as seen below:
Switching to Dairyland after six months or more with another provider will earn you this discount.
Receive a discount if you purchase your policy several days before it goes into effect.
Complete a certified defensive driving course for a potential discount.
| Multi-Car Discount | Homeowners Discount |
| Anti-Theft Discount | Autopay Discount |
| Transfer Discount | Defensive Driving Discount |
| Advanced Quote Discount |
To learn more about each discount Dairyland has to offer, see their discounts page.
Compare with other companies
See how Dairyland stacks up against similar companies
Cost: $1,704 average cost for a six month policy
Customer satisfaction: Moderate
Our take:
- Multiple ways to file claims
- Moderate customer satisfaction
- Communication delays
Cost: $1,618 for a six month auto policy
Customer satisfaction: Moderate
Our take:
- Cheaper prices than Dairyland
- Similar discount options as Dairyland
- More coverage options than Dairyland
Cost: $980 average cost for a six-month policy
Customer satisfaction: High
Our take:
- Cheaper prices than Dairyland
- Better coverage options than Dairyland
- Broader range of discount options than Dairyland
Dairyland's customer service & claims experience: varies by case
Thinking about Dairyland?
See what other drivers are asking
My record’s clean now but I still got a high rate with Dairyland
Does Dairyland do SR-22s fast?
Dairyland Customer Survey results
56.30% of customers recommend Dairyland
The Zebra conducted a survey across 4,000+ users to gather ratings on major carriers' customer service, claims process, ease of use, and more. See how Dairyland was rated in individual categories by expanding the section below.
Source: The Zebra
How much will your rates climb after filing a claim with Dairyland?
It's not ideal to file a claim, but sometimes it's unavoidable. See the table below for some examples of what you could be facing after filing a claim.
Updating data...
| Accident/Violation | Avg. 6 Mo. Premium |
|---|---|
| One comp claim | $2,576 |
| Two comp claims | $2,576 |
| None | $2,576 |
| At-fault accident - greater than $2000 | $3,202 |
| At-fault accident - $1000-$2000 | $3,202 |
Source: The Zebra
Coverage options: standard, but helpful
Dairyland offers standard car insurance coverage for drivers who could be considered high-risk by other carriers. Options are more limited (they don't offer homeowners policies, for example) than some bigger names, but for a particular type of driver, their coverage is generally sufficient.
✔️ Towing and labor
✔️ Rental reimbursement
✔️ Special equipment
✔️ Leinholder coverage
Final thoughts: Is Dairyland Right for You?
Frequently Asked Questions about Dairyland
Get quotes from Dairyland and other top companies
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Anonymized User Survey. The Zebra
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.