Dairyland Car Insurance Review | The bank rate

Drivers in need of high-risk car insurance may want to consider Dairyland car insurance as their company of choice.

Offer non-standard policies Not available in all states
Online quote available National Association Of Insurance Commissioners (NAIC) Complaints Index score of 2.52 indicates twice as many customer complaints as the average
SR-22 deposit option for high-risk drivers

Dairyland Insurance was established in 1953 and is headquartered in Wisconsin. The company sells auto insurance, motorcycle insurance and off-road vehicle insurance in 37 states. Dairyland offers affordable auto insurance policies and also offers non-standard insurance, including SR-22 deposits, for high-risk drivers.

Dairyland offers several discount opportunities for drivers who want to get a lower fare. In terms of coverage, the company offers several endorsements for more protection, like gap insurance and special parts coverage. Bankrate’s comprehensive Dairyland Insurance review might help you decide if this company is the right fit for your needs.

Dairyland car insurance

Dairyland car insurance is known for its non-standard policies for high-risk drivers. The company advertises cheap car insurance premiums, but keep in mind that each driver will pay a different rate for coverage. Although Dairyland may be the cheapest provider for you compared to other car insurance companies, you are not guaranteed a low rate.

Dairyland offers full coverage and minimum coverage policies consistent with state requirements. You may purchase liability, comprehensive, collision, medical expense, uninsured/underinsured motorist coverage, and bodily injury protection coverage, depending on your state’s auto insurance laws. Optional top-up coverage includes gap insurance, rental reimbursement, and special equipment coverage to insure replacement or custom parts you have installed in your vehicle after a covered claim.

Cost of car insurance from Dairyland

Average prices for Dairyland car insurance policies are not available, but it may be useful to know other figures for comparison purposes. The average cost of auto insurance nationwide is $1,771 per year for full coverage and $545 per year for minimum coverage. Drivers with flawed driving records may experience higher rates. Below is the average car insurance for high risk drivers with a full coverage policy:

Dairyland Car Insurance Discounts

Dairyland offers several discounts for drivers who want to save money on car insurance. Keep in mind that some discounts may only be offered in certain states. While the company offers common discounts, such as policy bundling, here are some of the more unique savings opportunities you may qualify for with this insurer:

  • Owner discount: If you own a home that is insured, you may qualify for a discount. You can also get a renter discount in some states.
  • Discount on advanced quote: You could get a discount if you request a car insurance quote at least a week in advance from the day your policy begins.
  • Transfer Discount: Dairyland may give you a discount if you have had a car insurance policy with the same carrier for at least six months prior to the change.

Dairyland Car Services

Dairyland does not indicate whether it offers additional services for car insurance policyholders.

Other Dairyland benefits to consider

In addition to car insurance, Dairyland also offers the following insurance products:

  • Motorcycle insurance: If you own a motorcycle, you will need this separate policy to insure your journey.
  • All-terrain vehicle insurance: This Dairyland policy insures off-road vehicles such as ATVs, side-by-sides, snowmobiles and dirt bikes.

Dairyland Corporate Sustainability

Dairyland occasionally partners with other non-profit organizations for short-term initiatives. This includes working with the Arbor Day Foundation by planting trees in honor of customers who have gone paperless. The company has also partnered with organizers Marcus Luttrell and Whitney Meza to support their #NationalMotorcycleDay on July 9, 2021. This day empowers motorcyclists to do good deeds in local communities.

Not sure if Dairyland is right for you?

Shopping around and asking for quotes from multiple carriers can help you find the best car insurance. If Dairyland doesn’t seem like the ideal solution for you, here are some alternatives:

  • Friendly: Amica offers some of the most competitive average auto insurance rates for high-risk drivers, and it might be worth a look.
  • Geico: Geico already offers some of the cheapest car insurance rates on average, and drivers could potentially save even more with the Drive Safe and Safe telematics program.
  • Insurance : If you’re looking for an all-digital experience to manage your auto insurance, Esurance might be an option worth exploring.

Methodology

Bankrate uses Quadrant Information Services to analyze 2022 rates for all zip codes and carriers in all 50 states and Washington, D.C. Rates shown are based on 40-year-old male and female owners with clean claim history, a good credit and the following coverage limits:

Auto

  • Civil liability of $100,000 in bodily injury per person
  • Civil liability of $300,000 in bodily injury per accident
  • Civil liability of $50,000 in property damage per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 aggregate deductible

To determine minimum coverage limits, Bankrate has used a minimum coverage that meets each state’s requirements. Our sample drivers own a 2020 Toyota Camry, commute five days a week, and drive 12,000 miles a year.

Age: Rates were calculated by evaluating our base profile with ages 18-60 (base: 40) applied. Depending on age, drivers can be renters or owners. Age is not a contributing assessment factor in Hawaii and Massachusetts.

Incidents: The rates were calculated by evaluating our baseline profile with the following incidents applied: clean record (baseline), speeding ticket and single fault accident.