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Dairyland Car Insurance Review (With Quotes, Updated May 2022)

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Anna Baluch

By: Anna Baluch

Edited by Jackie Cohen

Last Updated April 5, 2022

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Dairyland in a Nutshell

  • The average cost of car insurance with Dairyland is $209 per month.
  • Dairyland is good for high-risk drivers who may have trouble qualifying for car insurance through other providers.
  • Dairyland isn't the best option for responsible drivers and those who are in search of the lowest auto insurance rates.

Founded in 1953, Dairyland Insurance is headquartered in Stevens Point, Wisconsin. The company specializes in car insurance, motorcycle insurance, non-owner insurance, and off-road vehicle insurance for high-risk drivers. It targets those who may have trouble qualifying for auto insurance elsewhere. On average, Dairyland car insurance costs $209 per month.

To lock in a great deal on your car insurance policy, it’s important to shop around and explore the options available to you. Insurify makes it a breeze to compare car insurance quotes instantly. In just five minutes or less, you can receive personalized quotes. You don’t have to worry about any fees or sign-ups.

Dairyland Industry Rankings and Scorecard

Dairyland has been in the car insurance industry for decades. Despite this, the company has received below-average ratings. However, it is still known as a strong choice for high-risk drivers looking for reliable auto insurance.

Industry RankingDairyland Rating
Better Business BurauA+
A.M. BestA+
NAIC Complaint IndexFar more complaints than average

Dairyland Car Insurance Quotes by Driver History

Dairyland will consider your location, age, vehicle make and model, and driving record before providing you with a quote. To ensure the lowest rate possible, Dairyland recommends you pay up front, opt for longer terms, drive an older car, and complete a defensive driving course. Drivers with a history of speeding tickets, DUIs, and other violations can except to pay more.

Driver ProfileDairyland Average Monthly PremiumNational Average
Clean Record$87$77
DUI$231$155
At-Fault Accident$308$113
Speeding Ticket$281$104
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

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Dairyland Car Insurance Quotes by State

Your location will play a role in your car insurance rate. If you live in a rural area or small town, for example, you’ll pay less than an urban driver. This is because there are likely fewer people and a lower accident rate. There may also be less theft and vandalism. Also, if your ZIP code is known for moderate weather conditions year-round, you’ll land a lower quote.

Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Dairyland Car Insurance Pros and Cons

Dairyland car insurance can be a good fit if you don’t have the best driving record and can’t qualify for an auto policy with a reasonable rate from another provider. It might also make sense if you’d like the flexibility of a pay-as-you-go plan as well as low down payments and easy restart policies.

Pros

  • Reasonable rates for high-risk drivers

  • Flexible pay-as-you-go plans

Cons

  • High rates for responsible drivers

  • Not available in every state

Dairyland Car Insurance Discounts

Dairyland offers a number of discounts to make car insurance even more affordable for high-risk drivers. It’s important to note that discounts are based on specific policies. Also, not all discounts are available in every state, so you’ll need to check with the provider to find out which ones may apply to you.

Driver-Based Discounts

If you insure multiple vehicles with Dairyland, you may be eligible for the multi-car discount. Also, if you’ve taken a defensive driving course to improve your skills on the road, the auto insurance company may reward you with the defensive driving discount. You can also secure the transfer discount if you’ve had car insurance with another company for at least six months.

Policy-Based Discounts

Thanks to the advanced quote discount from Dairyland, you can save money if you get a phone or online quote at least a week before the day you need auto insurance coverage. You may also earn the payment frequency discount if you make your car insurance payments every six months or once a year. If you own a home that is insured, you may score an additional discount.

Bundling Discounts

While Dairyland doesn’t offer home insurance, the company does sell motorcycle and off-road insurance. You might land a discount if you bundle your auto insurance with another one of its policies.

See More: Cheap Car Insurance

Dairyland Car Insurance Coverage Options

Dairyland’s liability coverage will protect you if you’re at fault for a car accident and the other party sustains property damage and injuries. There’s also medical coverage, which covers “reasonable and necessary” medical payments for you and your passengers.

While collision coverage pays for vehicle damage after you hit another car, regardless of who is at fault, comprehensive coverage will cover damage from fire, theft, vandalism, and falling objects.

Rental Reimbursement

If your vehicle gets damaged in an accident, it will likely be in the repair shop for days or even weeks, depending on the severity of the damage. With rental reimbursement, you won’t have to worry about paying for a rental car out of pocket. It can help you continue to live your everyday life without breaking the bank.

Towing and Labor Coverage

At some point in time, your car may need to be towed from an accident scene. That’s where towing and labor coverage comes in. It can ensure someone is there to pick up your vehicle and transport it to a repair shop.

Lienholder Coverage

Lienholder coverage may be necessary if you buy or lease a vehicle. It ensures some insurance will cover your loan in the event you’re involved in an accident and haven’t paid off your loan. It’s a good idea to check with your bank or credit company to find out whether this coverage is required.

Special Equipment Coverage

If you’ve added custom rims or other special touches to your vehicle, the special equipment coverage may be worthwhile. It can ensure these parts are covered if they get damaged in a crash. Dairyland notes that certain restrictions may apply.

See More: Compare Car Insurance

Dairyland Car Insurance Reputation

Is Dairyland car insurance good?

Dairyland car insurance ranks generally well for high-risk drivers that may find it difficult to find coverage elsewhere. The average monthly cost for a policy with Dairyland is $209.

Dairyland has a reputation for high car insurance premiums. When you consider that the insurance provider gears its offerings toward high-risk drivers, this isn’t surprising. Dairyland does hold an A+ rating from the Better Business Bureau (BBB).

Dairyland Customer Service

As far as customer service is concerned, reviews from Dairyland’s policyholders explain that it’s below average. Most complaints are related to a slow claims process, delays in settlements, and high rates. Despite these issues, some Dairyland customers remain with the insurance provider because they can’t lock in a good policy from another car insurance provider.

Dairyland Claims Filing Process

To report a claim with Dairyland, you’ll need to call the company and speak to one of its auto claims specialists, who are available 24/7. You can expect a claims specialist to review your policy and share the next steps. Unlike many car insurance companies, Dairyland doesn’t offer an online claims submission tool.

See More: Car Insurance Quotes

Dairyland: Is it right for you?

Dairyland may be ideal if you’re a high-risk driver in search of a reasonable rate on your car insurance. It can be a solid pick, especially if you can’t seem to get a good policy from another insurance provider. Before you move forward with Dairyland auto insurance, however, use Insurify to explore and compare your options.

Frequently Asked Questions

  • Dairyland has been in the car insurance industry since 1953, making it a good option for risky drivers who want a reputable car insurance provider. If your driving history is full of speeding tickets, DUIs, and/or other traffic violations, you should definitely check it out. It may provide you with the coverage you need at a fair price.

  • Dairyland car insurance averages $209 per month. Your rate, however, will depend on your unique situation. It will be based on your driving record as well as your location, age, and the make and model of your car. The discounts you qualify for will also impact your car insurance premium.

  • With Dairyland’s discounts, high-risk drivers can save money on their car insurance. Its driver-based discounts include the multi-car discount, defensive driving discount, and the transfer discount. You can also get a discount if you ask for a quote a week or more prior to when you need coverage. Other discounts include the anti-theft discount for securing your vehicle with an anti-theft device and the homeowners discount for being a homeowner with homeowners insurance.

  • If your goal is to lock in the best deal on your car insurance policy, you’ll need to shop around and find out what your options are from the best car insurance companies. Insurify is a free, easy-to-use tool that makes the process fast and easy. You can get personalized quotes in five minutes or less from the comfort of your own home. Rest assured, there is no sign-up required.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Anna Baluch
Anna Baluch
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Content Writer at Insurify

Anna Baluch is a Cleveland-based freelance writer with a focus on personal finance and insurance. She enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many well-known publications including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance.

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