Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Written by Chelsey Tucker
Insurance Expert Chelsey Tucker

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Jun 28, 2022

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The Lowdown

  • Dairyland offers auto and motorcycle insurance for high-risk drivers
  • Unlike some high-risk insurance companies, Dairyland has a variety of add-on options and discounts
  • Dairyland receives more complaints than usual for a company its size, but it provides affordable insurance options for high-risk drivers

Even though it’s headquartered in Wisconsin, you can buy Dairyland insurance in 42 states. Dairyland has a wide variety of insurance options, but it specializes in high-risk drivers.

If your driving record is clean, Dairyland might not be the right insurance company for you. But if you have accidents, lapses in coverage, DUIs, or traffic incidents, Dairyland might offer you the most affordable auto insurance options. If you’re interested in Dairyland insurance quotes, you should compare rates to save as much money as possible. If you’re ready to see what rates might look like for you, enter your ZIP code into our free tool.

What is Dairyland auto insurance?

Dairyland offers traditional car insurance options for your car, as well as a few additional coverages you can add to your policy. These include:

  • Liability: If you cause an accident, liability will pay for damage you cause to property and people. Most states require liability coverage on your car before you can drive.
  • Comprehensive: This coverage protects your car from damage outside of accidents, such as animal contact, theft, weather, and vandalism.
  • Collision: No matter who causes the accident, collision will help cover repair costs to your car.
  • Underinsured/uninsured motorist: While most states require insurance, not everyone has it. This protects you from drivers with inadequate coverage. States sometimes require this coverage as well as liability.
  • Personal injury protection and medical payments: This coverage helps pay for medical bills, lost wages, and other medical costs if you or your passengers are injured in an accident

If you need or want full coverage to give your car the most protection possible, you’ll need liability, collision, comprehensive, and underinsured/uninsured motorist. While it’s more expensive, full coverage protects your vehicle from just about anything.

In addition to standard insurance options, Dairyland offers several add-ons you can purchase to enhance your coverage. These include:

  • Towing and labor: This add-on will pay to have it towed to a repair shop if you’re stranded on the side of the road, up to a specified distance.
  • Special equipment: Standard insurance doesn’t pay for custom parts you add to your car, but this coverage will replace or repair them.
  • Lienholder policy: For people who lease or finance a car, this will cover the rest of your loan if you total your car before paying it off.
  • Non-owner insurance: If you get in an accident while driving someone else’s car, their insurance should cover it. However, if you frequently drive other people’s cars, this can help pay for the damage.

An additional service that Dairyland provides is SR-22 forms. SR-22 forms are a requirement in some states after a serious traffic violation has been committed, such as a DUI. This form proves to your state’s DMV that you meet the minimum requirement for car insurance.

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Dairyland Auto Insurance Discounts

Discounts are a common feature most insurance companies offer to their customers to make themselves more appealing and help people save money. However, insurance specializing in high-risk drivers often skimps on discounts. That’s not the case with Dairyland.

Dairyland breaks the trend by offering multiple discounts:

  • Multicar: You can earn this discount by insuring multiple cars on the same policy.
  • Earlier signer: If you get your quote and sign up for your policy at least a week before it starts, you’ll earn a small discount.
  • New customer: Earn this discount by having an insurance policy with another company for at least six months before your Dairyland policy starts.
  • Anti-theft devices: If your car has an anti-theft device (such as an audible alarm, GPS tracking, or killswitch), you can save money.
  • Driver’s education: Dairyland will give you a discount if you complete a driving safety course.
  • Policy bundling: Dairyland offers home and renters insurance, and it will give you a discount if you bundle your policies.
  • Paid in full: You can save some money on your total bill by paying quarterly, semiannually, or annually. As long as your payments are higher than the minimum payment, you’re probably eligible for this discount.

While this list isn’t as extensive as other companies, it can still help you save money. If you have questions about what discounts you can apply for, speak with an agent to determine your eligibility

Does Dairyland offer motorcycle insurance?

Aside from auto insurance, motorcycle insurance is one of Dairyland’s most popular products. There are several motorcycle insurance options to suit your every need.

For motorcycle insurance, Dairyland offers the same options as auto coverage: liability, collision, comprehensive, uninsured/underinsured motorist, personal injury protection, and medical payments.

Dairyland’s insurance won’t surprise you with their innovations, but they have several add-ons you can buy.

  • Towing and labor: This will pay to get your motorcycle towed if you become stranded, just like the car insurance option.
  • Rental reimbursement: If your motorcycle needs repairs after an accident, this coverage will reimburse a rental vehicle.
  • Special equipment: If you customize your motorcycle with special paint jobs, tires, modifications, or electronic additions, you can cover them with this add-on.

It’s not the most extensive list of insurance options, you can get the basic coverage you need to keep you and your motorcycle safe on the streets.

Dairyland Motorcycle Discounts

While the list of Dairyland motorcycle discounts isn’t as long as other companies, they have special discounts for Harley Davidson owners and motorcycle club members.

One thing to keep in mind about these discounts is that you might face a total discount cap. Once you reach a certain percentage, you won’t be eligible for more savings even if you qualify for additional discounts.

  • Multicycle: Like the Dairyland auto insurance discount, insuring multiple motorcycles can save you up to 25%.
  • Rider groups: Dairyland has a list of affiliated clubs to whom they’ll offer a 10% discount.
  • Existing customer: If you are an existing customer and add or replace a motorcycle, you can save 4%-8%.
  • Harley Owners Group (HOG): If you have a Harley Davidson and membership with HOG, you can save up to 15%.
  • Homeowners: If you own a condo, house, or mobile home and have insurance on it, you’ll be eligible for a discount of up to 20%. Your homeowners insurance doesn’t have to be through Dairyland.
  • Rider safety courses: If you take an approved motorcycle safety course, you can save 2% on your bill. This discount lasts for five years before you’ll need to retake the course.

With this long list of valuable discounts, you’re sure to find affordable Dairyland motorcycle insurance quotes.

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Is Dairyland insurance affordable?

Since Dairyland insurance rates are specialized for high-risk drivers, it’s not the cheapest company out there. If you have a clean record and nothing else against you, you’ll find more affordable options with other insurance companies.

DriverDairylandGEICOProgressiveState Farm
21-year-old female$242$200$185$176
21-year-old male$319$231$203$215
30-year-old female$166$118$126$115
30-year-old male with DUI$205$204$162$205
40-year-old male with DUI$181$238$174$201
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Dairyland is much more expensive for drivers with clean records compared to its competitors. However, you might save money with this company if you are a high-risk driver.

Dairyland Reviews

The National Association of Insurance Commissioners notes that Dairyland has lower customer service ratings than the national average for insurance companies. Complaints about Dairyland usually involve late payments after a claim, delays with settlements, and claim processing.

The best way to resolve any problems you have with your claims is to call the Dairyland insurance claims phone number and get a hold of an agent. You can also cancel or change your insurance coverage this way too.

On the other hand, Dairyland earns solid ranks from professional insurance rating companies. A.M. Best gives Dairyland an A+ for its financial strength.

Dairyland customers report a lot of dissatisfaction with the claims process and the price of their insurance. However, most customers find the ease of the website to manage their accounts with a simple Dairyland insurance login to be very convenient.

Find the Best Auto Insurance for Your Needs

If you’re a high-risk driver in need of auto or motorcycle insurance, Dairyland insurance might be the best choice for you. There’s a lot of variance in high-risk insurance, so you should always compare quotes to find the best insurance for you.

If you’re interested in Dairyland insurance, your first step should be to shop around. Enter your ZIP code into our free tool to see what quotes might look like for you.

Dairyland Auto Insurance Review (2022) Additional Information

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Dairyland Auto Insurance Review [2022] Insurance Quotes

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