Dairyland Auto Insurance User Reviews and Quotes (2025)

Dairyland is a nationwide auto insurance company owned by Sentry Insurance Group. Coverage is available across the U.S. The company offers most standard car insurance discounts, like multi-car and defensive driving, and it also offers SR-22 insurance for high-risk drivers.

That said, Dairyland’s average rates are often higher than other insurers. To find the best rate, shop around to compare car insurance companies.

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User Reviews	4.0 173 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	7.7 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$91/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$273/mo

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Driver Reviews

4.0

Best choiceBased on 343 verified guest reviews and ratings

How drivers feel about Dairyland

Drivers appreciate the affordable initial rates and the company’s willingness to insure when others won’t. But they dislike the frequent and unexplained rate increases, and some report poor customer service experiences.

AI-generated from the text of verified reviews collected by Insurify

Best For

Hard-to-insure drivers

Customer satisfaction

RV and motorcycle coverage

How drivers feel about Dairyland

Drivers appreciate the affordable initial rates and the company’s willingness to insure when others won’t. But they dislike the frequent and unexplained rate increases, and some report poor customer service experiences.

AI-generated from the text of verified reviews collected by Insurify

Best For

Hard-to-insure drivers

Customer satisfaction

RV and motorcycle coverage

Reviews (173)

Vicki

Verified Review

I Need Affordable Insurance

Reviewed in Arizona on November 2025

Every year when my policy ends, they increase my rates. I've never had an accident, I'm 64 years old, I've been driving for many years, and my vehicle is old. I've never had a DUI. Now I have moved to a different zip code in the same state, but my rate is increasing again. I can't afford this company.

Janice

Verified Purchase

Great service.

Reviewed in South Dakota on November 2025

I have had Dairyland Insurance for 2 months. Signing up was very easy and fast. I quickly received my documents and cards. I would recommend it.

Larry

Verified Purchase

Great Value!

Reviewed on November 2025

Very good and great value.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

NR

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.49

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A+

Why we picked this company

Dairyland began selling car insurance to drivers who couldn’t get standard coverage. Today, the insurer sells auto, motorcycle, and off-road insurance nationwide and still caters to non-standard drivers. The company also offers renters, RV, and life insurance. Although Dairyland has many positive customer comments on review websites, it has a slightly higher-than-average number of complaints in the National Association of Insurance Commissioners Complaint Index. AM Best gives the company superior financial stability and credit ratings.

Pros

• Many positive customer reviews

• Provides coverage to drivers who may not be able to get it elsewhere

• Offers non-owner car insurance

Cons

• More complaints than expected with the NAIC

• Rates tend to be higher than competitors

• Few discount options

Founded in Wisconsin in 1953, Dairyland Insurance Company initially sold specialty car insurance policies for people who struggled to get coverage. Sentry acquired the company in 1966, and, at the time, Sentry began offering motorcycle insurance.

With Sentry as its parent company, Dairyland grew from a regional Midwest insurer to a nationwide insurer. Dairyland now offers auto insurance, motorcycle insurance, off-road insurance, and more. The company is known for providing non-standard auto insurance.

How does Dairyland auto insurance work?

Dairyland provides insurance coverage to drivers in exchange for monthly or annual premiums. When you apply for a policy with Dairyland, the company will assess your risk based on factors like your driving history. The insurer will then set your car insurance rates accordingly.

Dairyland profits by collecting more money in premiums than it pays out in claims or uses for operating expenses. This is known as underwriting income, and by law in most states, it can’t be excessive. Most car insurance companies also invest underwriting income in low-risk investments to grow their income.

Where is Dairyland auto insurance available?

Dairyland offers car insurance in all 50 states and Washington, D.C. But discounts and coverage offerings may vary from state to state, and Dairyland’s off-road insurance product may not be available everywhere.

Dairyland auto insurance coverage

Dairyland offers the following coverages:

• 

  Liability insurance

  Liability insurance helps pay for the other party’s injuries and damage to their property in an accident you cause. It’s required in most states. Liability coverage costs an average of $91 per month with Dairyland.

• 

  Collision and comprehensive coverage

  Often called full-coverage insurance when added to liability insurance, comprehensive and collision coverage help pay for damages to your vehicle from an accident you cause or from a non-collision event. Dairyland’s full-coverage car insurance costs an average of $273 per month.

• 

  Uninsured and underinsured motorist coverage

  These coverages can help pay for your medical bills (and property damage in some states) if you’re hit by an uninsured or underinsured driver or the victim of a hit-and-run.

• 

  Personal injury protection

  Required in some states, personal injury protection pays for the medical bills of the people in your vehicle, regardless of who’s at fault. It can also pay for lost wages, replacement services, and end-of-life expenses.

• 

  Medical payments

  Medical payments insurance covers medical bills or funeral expenses for the driver and passengers in your vehicle, regardless of who’s at fault.

• 

  Rental reimbursement

  This coverage helps pay for a rental vehicle if your car needs repairs.

• 

  Additional coverages

  Dairyland also offers special equipment coverage, towing and labor coverage, and lienholder coverage, which your auto loan lender may provide.

How much does Dairyland auto insurance cost?

Dairyland’s liability insurance costs $91 per month, on average, while full-coverage insurance averages $273 per month. 

Insurers look at numerous factors to determine your rate, including your driving history, ZIP code, location, age, gender, and the type of vehicle you drive. The type of coverage you carry, along with any add-ons, can also affect your premium. In some cases, you may also qualify for discounts that help you lower your rate.

Dairyland car insurance cost by state

Car insurance costs vary by location because legal requirements, weather conditions, and competition between companies vary by state. Even within states, rates can vary due to differences in rates of vandalism, theft, and accidents. Drivers in urban areas tend to pay more for car insurance.^[1]

The table below shows the monthly cost of a Dairyland insurance policy in several states.

The below rates are estimated rates current as of: Saturday, November 1 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

State	Average Quote: Full Coverage	Average Quote: Liability Only
Idaho	$156	$73
North Carolina	$157	$72
Wyoming	$183	$61
Iowa	$192	$63
Wisconsin	$213	$61
New Mexico	$216	$88
Ohio	$223	$89
Kansas	$234	$74
Tennessee	$241	$78
South Dakota	$247	$78
Oregon	$250	$108
Illinois	$255	$95
Nebraska	$255	$102
West Virginia	$267	$89
Utah	$268	$120
Washington	$268	$113
Indiana	$269	$75
Arizona	$273	$92
Arkansas	$274	$107
Pennsylvania	$297	$120
Vermont	$309	$63
Alabama	$318	$105
Virginia	$328	$138
Kentucky	$329	$156
Mississippi	$330	$130
Colorado	$331	$127
California	$336	$94
Maine	$337	$96
Texas	$341	$119
Missouri	$363	$108
South Carolina	$367	$167
Minnesota	$369	$102
Delaware	$451	$193
Florida	$511	$285

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Dairyland auto insurance rates by driving history

Insurance companies check your driving history to assess the risk to insure you. If you have speeding tickets, a driving under the influence (DUI) arrest, or accidents on your record, it could indicate to your insurance company that you’re not taking precautions behind the wheel. Your insurer may increase your rates to reflect the higher likelihood that you’ll file a claim.^[2]

In the chart below, you can see what people pay for coverage with Dairyland based on their driving history.

Dairyland car insurance cost by age

Age is also an important factor in determining your car insurance premiums. Car insurance is especially expensive for teen drivers, who are almost three times as likely to die in a crash as drivers aged 20 and older.^[3]

Here’s what Dairyland’s full-coverage car insurance costs on average based on age.

Dairyland car insurance discounts

Dairyland offers a variety of money-saving discounts you may be eligible for, which can reduce your car insurance cost. Not all discounts are available in all states, but the following discounts may apply to your policy:

• Multi-car discount: If you insure more than one car with Dairyland under one policy, you may see a discount on your premiums.

• Advanced quote discount: Get a quote from Dairyland at least one week before you need coverage to begin to get a discount for being prepared.

• Transfer discount: If you’ve had a policy with another car insurance company for at least six months, Dairyland will apply a discount.

• Payment frequency discount: Choosing to pay your premiums quarterly, every six months, or once a year — rather than monthly — can save you money with a payment frequency discount.

• Homeowners discount: Dairyland offers discounts to homeowners who insure their houses. Tenants with renters insurance may also get a discount in some states.

• Anti-theft discount: If you have an anti-theft device installed on your car, Dairyland will give you a discount.

Dairyland auto insurance ratings and customer reviews

Most customers have great things to say about Dairyland customer service on independent review sites like Trustpilot and ConsumerAffairs, leading to high star ratings on these sites.

Dairyland customer reviews

Dairyland customers mentioned friendly and professional customer service, reasonable rates, and an easy online application process as reasons for their positive reviews.

Dairyland ratings

Dairyland has the highest AM best financial strength rating. It also has excellent customer ratings on Trustpilot. But its customer complaint score with the National Association of Insurance Commissioners (NAIC) is higher than average. It’s also worth noting that J.D. Power doesn’t include the company in its auto insurance studies.

• AM Best: A+ (Superior) 

• NAIC: 1.49/2 complaint index score

• Trustpilot: 4.5/5 stars with more than 9,500 reviews

How to get an auto insurance quote from Dairyland

The easiest way to get a car insurance quote from Dairyland is to use an online platform like Insurify to compare quotes across multiple insurers in your area.

Here’s how to submit a Dairyland quote request through Insurify:

1. Navigate to the Insurify car insurance page and enter your ZIP code.

2. Answer a few basic questions.

3. Enter details about your vehicle, such as the year, make, and model.

4. Tell Insurify what you’ll use the car for and estimate your mileage. You can also add another vehicle.

5. Enter your personal details, such as your name, birthdate, and estimated credit score.

6. Answer questions about your previous car insurance.

7. Enter details about your driving history.

8. See your quotes side by side.

Once you fill out the necessary details, you can review a comparison of quotes from different car insurance companies. You can even adjust your coverage levels and deductible to fit your budget.

Dairyland vs. other insurance companies

The car insurance market is highly saturated, and you have many options beyond Dairyland if you need a car insurance policy. Here’s how Dairyland compares to some of the top providers in the industry.

Dairyland vs. State Farm

State Farm is the largest property and casualty insurer in the country and offers many insurance products in addition to auto coverage. The company has the top financial strength grade from AM Best and is also ranked above average by J.D. Power for claims satisfaction. But customer reviews of State Farm on independent review websites are inferior compared to Dairyland.

State Farm offers many of the same coverages as Dairyland but also offers rideshare coverage to Uber and Lyft drivers. State Farm’s average premiums for car insurance are also cheaper — $56 per month for liability-only insurance and $109 per month for full-coverage car insurance. Drivers may also find more discounts with State Farm than with Dairyland, including two telematics programs that can save you money based on your driving behavior.

Dairyland vs. GEICO

GEICO is a nationwide auto insurer that offers bundling discounts for drivers who also get homeowners or renters insurance. Like State Farm, the insurer has an A++ (Superior) financial strength grade from AM Best. GEICO isn’t as highly ranked for claims satisfaction by J.D. Power but still scores above average. But the company’s customer reviews are poor compared to Dairyland’s.

GEICO offers many of the same coverage options as Dairyland but also provides mechanical breakdown coverage, which is similar to a car warranty. GEICO also offers a greater variety of discounts, including a good student discount and a mobile app usage-based savings program.

Dairyland vs. Farmers

Farmers insures 10 million households across all 50 states, offering vehicle, home, life, and business insurance products. J.D. Power ranked Farmers highly for claims satisfaction, and AM Best gives it an A (Excellent) financial strength rating. In comparison, Dairyland received an A+ (Superior) AM Best rating. Customer reviews for Farmers on third-party sites also had lower ratings than Dairyland.

Farmers provides many specialty coverages that Dairyland doesn’t offer, including rideshare coverage, loss of use coverage, full windshield and glass coverage, and new car replacement coverage. The company charges more for liability insurance than Dairyland, with an average premium of $110, but has lower rates for full-coverage insurance, with an average premium of $213. Farmers also offers a greater number of discounts, including discounts for young drivers.

Filing an auto insurance claim with Dairyland

If something happens to you or your vehicle that your Dairyland insurance policy covers, you need to file a claim.

Fortunately, Dairyland offers 24/7 claims filing, and you can choose your own repair shop. After a car accident, call 1 (800) 334-0090 to begin your auto insurance claim. A claims associate will walk you through the process.

Dairyland auto insurance FAQs