Flexible payment schedules, cheap non-owners policy options, and a range of discounts will attract non-standard drivers to Dairyland Auto Insurance. However, rates may not be the cheapest for those with a clean driving history.
Who Benefits Most and Least from Dairyland Insurance?
- Customers who want flexible payment options
- Non-standard and SR-22 drivers that need to insure their car, or to obtain non-owners insurance at an affordable rate
- Drivers who don’t want restrictions on which repair shops they use
Not the Best For…
- Drivers looking to obtain other types of insurance policies, like home or life insurance, through the same provider
- Anyone who wants a comprehensive mobile or online account management option
Dairyland: Affordable SR-22 and non-standard insurance to more than just cow country
Catering to non-standard and SR-22 drivers across 37 states, Dairyland is a financially strong company with a range of policy and discount options for car drivers and motorcyclists alike.
Dairyland is a particularly good option for drivers with tight finances. From flexible payment terms ranging from monthly to quarterly or annually (with discounts!), to non-owners policies to keep you covered even when you don’t own a vehicle, SR-22 drivers can keep up with their insurance requirements without breaking the bank.
Penny-conscious drivers who don’t need to rely on non-standard insurance may find better rates elsewhere, but for those considered high-risk, Dairyland offers a wide range of discounts you could qualify for. Although most service is provided over the phone, reviews are mixed as to the quality of Dairyland’s customer service.
Dairyland Car Insurance Quotes and Discounts
Car insurance quotes can vary based on selected coverage options, like your driving history, available discounts, and even where you live. On a high level, comparing costs and discounts can be a lot like comparing apples to oranges: it’s hard to understand what the best value truly is.
When you want to maximize your savings and get exactly the coverage you need, Insurify’s quote comparison tool can help you understand the details of policy options, and lead you toward a policy that meets your unique needs. Give it a try by visiting Insurify here.
Auto Insurance Quotes Comparison: Dairyland vs. Competitors
Insurify’s data team stacked up auto insurance quotes for a 30-year-old female in Houston, Texas, from Dairyland, GEICO, and Progressive who has a clean driving record:
These are the quotes for the same driver, but with a speeding ticket on her record for driving at 75 mph in a 50 mph zone:
Insurance company Quote
Finally, these are the quotes for the same driver, but with an at-fault accident on her record this time:
Insurance company Quote
While Dairyland didn’t have the cheapest quote for a clean driving record or one with a single speeding ticket, it did have the cheapest quote for a driving record with an at-fault accident.
So while Dairyland isn’t the cheapest option for those with relatively clean driving records, it certainly does offer more affordable quotes to those with spottier driving records.
Drivers Can SAVE with these Discounts from Dairyland
Although Dairyland isn’t known for being the cheapest insurance around, protecting your assets, planning ahead, and prioritizing safety can all help you qualify for car insurance discounts. The website doesn’t specify exactly how much you could save, but the minimum qualifications are pretty straightforward.
On the property end of things, drivers can save with a multi-car discount if all vehicles are insured by Dairyland. Additionally, homeowners and even renters can get discounts if they have insurance through any provider. Another popular approach is to bundle home and auto insurance together for a discount. And if you’ve gone the extra mile to protect your vehicle with an anti-theft device, you could take advantage of the Anti-Theft discount as well.
Planning ahead will save you some cash with Dairyland. The Advanced Quote discount rewards drivers who purchase a policy at least a week before they need coverage, and the Transfer Discount applies if you have little to no gap in coverage before becoming a Dairyland customer.
While Dairyland’s monthly payment option can be great for your monthly cash flow, the Payment Frequency Discount rewards customers who pay more than the minimum on a quarterly, semi-annual, or annual basis.
Dairyland also offers discounts to drivers with multiple Dairyland policies, and those who have taken a defensive driving course.
States Where Dairyland Car Insurance is Offered
Auto insurance policies are available in 34 states across the country. There are restrictions on a state-by-state basis for some policy options, so be sure to check if you can get the coverage you want where you live.
Click here to find the cheapest car insurance quotes in your state.
Dairyland Auto Insurance Coverages
Whether you need the minimum coverage allowable in your state or want to beef up your policy to better protect yourself, your passengers, and your property, Dairyland has a wide range of coverage options to choose from.
- Liability Coverage: Accidents both big and small can have a surprising price tag when it comes time to pay for property damage or bodily injuries when you’re at fault. Liability coverage will cover the cost of the other party’s injuries and damaged property.
- Physical Damage: This coverage includes Comprehensive and Collision. Whether your car is damaged from a collision with another vehicle, no matter who’s at fault, or from a natural occurrence like a fire or falling tree, you can have peace of mind knowing that your insurance policy will help cover the cost of any repairs.
- Uninsured Motorist: If you’re injured in an accident caused by a driver without any insurance, or if the accident is a hit-and-run, Uninsured Motorist coverage helps pay for any injuries you sustain in the accident. In some states, it could also cover property damage.
- Underinsured Motorist: Adding Underinsured Motorist coverage to your policy fills in the gaps when the at-fault driver’s coverage isn’t enough for your recovery costs (and, in some states, your property damage).
- Medical Payments: If you or passengers in your car are injured after a car accident, you’ll want to focus on recovering and not worry about your medical bills. Medical Payments coverage takes care of any necessary medical expenses as a result of an accident.
- Personal Injury Protection (PIP): Taking things one step further than Medical Payments coverage, adding Personal Injury Protection to your policy covers not only medical bills, but also extends to cover lost wages, lost services, and funeral expenses. This type of coverage is not allowed in all states, so just be sure to check with your agent if you’re interested in PIP coverage.
- Towing and Labor: If you’re worried about the costs associated with breaking down on the go, Towing and Labor coverage will get your vehicle to your service center of choice. If you decide to add this coverage to your policy, just be sure to check any mile restrictions that may apply.
- Rental Reimbursement: Life doesn’t stop just because you got in an accident, and you still need a way to get around even if your vehicle is in the shop. Rental Reimbursement coverage helps cover the costs of a rental car when you need to keep moving.
- Special Equipment: Did you know that special touches you’ve added to your car may not be covered under a standard comprehensive/collision policy? If you’ve invested time and money in souping up your vehicle, Special Equipment coverage covers the cost of damage to these extra parts after an accident. There are restrictions, so it’s best to discuss your specific needs and equipment with an agent.
Other Special Auto Coverages Offered by Dairyland Insurance
Non-Owner Car Insurance
If you don’t have a car in your household, but still occasionally drive someone else’s, you could be on the hook financially if you’re at fault in an accident. Non-owner insurance protects you from gaps in a car owner’s policy that wouldn’t cover you as a driver in case of an accident.
As the cheapest policy you can get from Dairyland, you can count on future savings if you hope to buy a car for yourself or your household shortly. Non-owner coverage helps you avoid a gap in coverage even when you don’t currently own a vehicle, later qualifying you for transfer discounts.
Unlike other auto insurance coverages offered through Dairyland, non-owner car insurance can only be purchased over the phone. If you’re interested in this coverage, call the main customer service line at 1 (800) 334-0090.
Dairyland is an SR-22 insurance provider. Anytime you need proof of coverage, you can call and receive your SR-22 that same day, for free.
SR-22 drivers who don’t currently own a car can also fulfill their requirement with a non-owners policy.
Other Insurance Products Offered by Dairyland Insurance
Aside from offering auto insurance policies, Dairyland Insurance has provided motorcycle insurance policies since 1966. The wide range of policy options includes standard coverages like Bodily Injury, Collision/Comprehensive, and Personal Injury Protection. However, riders can also get bike-specific coverages like Optional/Special Equipment, Replacement Cost, and Guest Passenger. Options even extend to cover mopeds and scooters.
Motorcyclists have a slightly different library of discounts they could qualify for from car policyholders. While multiple-policy, homeowner, and transfer discounts apply across the board, motorcyclists can also benefit from discounts as members of the Harley Owners Group (H.O.G.) or another rider group, or by participating in a rider safety course. Motorcycle policyholders can also receive a loyalty discount after one year of coverage with Dairyland Insurance.
How Can I Buy Auto Insurance from Dairyland?
Whether you prefer to work with a local, independent agent, or to purchase your insurance directly from a provider, you can buy a Dairyland insurance policy in your preferred method.
Whatever you choose, make sure you get the policy you need at the best price by comparing auto insurance quotes in real-time with Insurify.
How Can I Pay for My Dairyland Car Insurance Policy?
There are many ways you can make a payment, including using the Dairyland online portal, via the mobile app, over the phone, or by credit card.
There isn’t currently an option for automatic debit, but reviews note that the company has mentioned this in the past. Even if you can’t automatically pay your bill, the bill reminder feature of the mobile app can help you stay current on your payments, whatever method you choose.
How Often Will Dairyland Increase My Premiums?
Since every driver’s situation is unique, it’s hard to say when exactly your rates will increase.
Among the most common reasons, Dairyland mentions being involved in an accident (whether or not you were at fault), where you live, and your driving history can lead to higher rates.
How Does Dairyland’s Claims Process Work?
You can report a claim by calling the customer service center line at 1 (800) 334-0090. Claims representatives are available 24/7, 365 days a year. It is not currently possible to report a claim online or via the mobile app.
When you call Dairyland to report a claim, a claims associate will complete the initial intake. Then, you will be matched with a claims specialist to work with until your claim is resolved.
If you already have a repair shop in mind, you’ll be happy to hear that Dairyland does not restrict repairs to any particular vendors. The company website notes that Dairyland will work with any shop of your choosing. Don’t worry if you don’t have someone in mind, though—your claims specialist can help you pin down a shop if you’re unsure.
There isn’t a guaranteed processing timeline for claims, but some customer reviews note delays. If you have concerns about processing or payment, you should contact your claims specialist to stay up-to-date on the status of your claim.
How Can I Cancel My Dairyland Car Insurance Policy?
If you need to cancel your Dairyland Car Insurance policy, you should call customer service at 1 (800) 334-0090, or your independent agent.
Company reviews mention that cancellation fees may apply, but also that policyholders may qualify for a prorated refund of their premium. These can vary on a case-to-case basis. If you need to cancel your policy, you should call and confirm the details of your situation.
Switching car insurance companies doesn’t have to be a painful experience. Check out these four easy steps to switching your policy before you cancel—remember, planning ahead to avoid a lapse in coverage can end up saving you in the long term.
How Much Does Uber/Lyft Coverage Cost with Dairyland?
Dairyland doesn’t currently offer a car insurance policy tailored to rideshare drivers. If you drive for Uber, Lyft, or another similar company, you should discuss your needs with an agent.
Rideshare drivers have different needs than the average commuter, and some insurance companies offer policies that cater to this unique population. This list of the best insurance companies for rideshare drivers can help you in your search for the best coverage for you.
Insurance Companies Similar to Dairyland
Dairyland’s customers tend to be high-risk or SR-22 drivers. Auto insurance coverage options can be limited for this group of drivers, but Dairyland offers similar options to other regional, non-standard insurers like Infinity, The General, and AIG.
User reviews mention that in some cases, Dairyland can be the more expensive option compared to national insurers like Esurance.
According to Insurify’s internal database of over 2 million car insurance applications and analysis of external sources, drivers who ended up choosing Dairyland most often switched from the following insurance providers:
Meanwhile, drivers people who previously held Dairyland auto insurance policies and decided to switch providers most often secured a policy from:
- Dairyland (Again, but this time finding an even better rate on Insurify!)
- Bristol West
Dairyland Customer Satisfaction and Policyholder Reviews
Dairyland has mixed reviews among customers, but for a non-standard insurer offering SR-22 insurance, it has a decently low record of customer complaints. The Better Business Bureau gives an A+ rating to Dairyland.
SR-22 drivers like the policy options and rates offered by Dairyland:
Customers also appreciate Dairyland’s easy-to-navigate website and sign up process, but customer service and transparent communication are less than stellar according to some customer reviews.
Dairyland Mobile App Review
As a Dairyland Insurance policyholder, you can manage your payments and view policy details via the mobile app, available for iOS and Android.
Dairyland makes bill payment easy with the mobile app. You can set bill reminders via the app so you never miss a payment, and pay directly through the app. You’ll also easily access your policy information and be able to view your ID card directly in the app.
Reviews mention that the app isn’t entirely responsive on a mobile phone, and viewing the actual details of your ID card can be tricky with the current formatting. However, users overall seem pleased with the bill reminder and payment features of the app. The bulk of complaints about the app center around its limited functionality, but at this point, Dairyland operates mainly over the phone regardless.
Unfortunately, the app is limited to bill manage and account detail viewing – it’s not currently possible to use the app to process or manage a claim, or manage your coverage options.
App store Ratings (Out of 5) User reviews
Mobile App (iOS) 3.3 42
Mobile App (Android) 3.8 262
Dairyland Auto Insurance customers can pay via the mobile app, by logging into the online portal at my.dairylandinsurance.com, or by calling the customer service line at 1 (800) 334-0090.
There is no address listed for payments to be made by mail. If you can’t pay online or via the app, the easiest way to make a payment is by calling customer service.
Policy documents are easily accessible on Dairyland’s online portal, or by logging into the mobile app (available for iOS and Android).
To cancel your policy, you should call customer service at 1 (800) 334-0090. It’s not currently possible to cancel your account online.
Customer reviews note that the refund and cancellation fees aren’t always clear. Be sure to ask about the specifics during your phone call.
It’s important to line up other insurance coverage before canceling to avoid a gap in your coverage—check out Insurify’s quote comparison tool to find your next insurance company.
Frequently Asked Questions: Dairyland Car Insurance
Where do I send payments for Dairyland Auto Insurance?
How do I get proof of insurance from Dairyland Auto?
How can I cancel my Dairyland Auto Insurance policy?
Dairyland Auto Insurance customers can pay via the mobile app, by logging into the online portal at my.dairylandinsurance.com, or by calling the customer service line at 1 (800) 334-0090. There is no address listed for payments to be made by mail. If you can’t pay online or via the app, the easiest way to make a payment is by calling customer service.
Policy documents are easily accessible on Dairyland’s online portal, or by logging into the mobile app (available for iOS and Android).
To cancel your policy, you should call customer service at 1 (800) 334-0090. It’s not currently possible to cancel your account online. Customer reviews note that the refund and cancellation fees aren’t always clear. Be sure to ask about the specifics during your phone call. It’s important to line up other insurance coverage before canceling to avoid a gap in your coverage—check out Insurify’s quote comparison tool to find your next insurance company.
Is Dairyland the cheapest car insurance in your area?
Dairyland Auto provides non-standard, SR-22, and non-owner car insurance options. While some customers find these rates to be cheap compared to competitors, everyone’s situation is different.
Compare several quotes and save on your current policy! One hundred percent free, no unnecessary questions asked!
Dairyland Auto Insurance Overview
Dairyland provides cheap insurance options for non-standard drivers. Dairyland Auto Insurance has been catering to high-risk drivers since its start in 1953.
Sentry Insurance acquired the company in 1966, and coverage has since expanded from its Wisconsin roots to cover drivers and motorcyclists across 37 states. Dairyland’s headquarters are in Stevens Point, Wisconsin.
High-risk drivers may find these rates affordable, but reviews are mixed on the company’s customer service record.
If you like having a choice of who you get to work with, Dairyland is flexible to meet your preferences. You can buy a policy through the company or through an independent agent. Customers can also use any repair shop they want, and Dairyland will work with them according to your coverage.
Dairyland Contact Information
Customer service phone number 1 (800) 334-0090
Customer service email address CSHelp@dairylandauto.com
Payments phone number 1 (800) 334-0090
Online Payments URL my.dairylandinsurance.com
Headquarters address 1800 Northpoint Drive, Stevens Point, WI 54481
Claims service phone number 1 (800) 334-0090
Website URL www.dairylandinsurance.com