Advertiser Disclosure

Dairyland Insurance Review

April 6, 2016
Auto Insurance, Insurance
Dairyland Insurance Company: A Complete Guide
At NerdWallet, we strive to help you make financial decisions with confidence. To do this, many or all of the products featured here are from our partners. However, this doesn’t influence our evaluations. Our opinions are our own.

Dairyland Insurance specializes in auto and motorcycle insurance for drivers who typically can’t get coverage anywhere else, such as those with serious or repeated traffic-related offenses or DUI convictions. If you’ve been pegged as a high-risk driver, Dairyland might be right for you.

In this article

Based in — where else? — Wisconsin, Dairyland has specialized in high-risk drivers since it was founded in 1953. It’s a part of the “nonstandard” market of auto insurance companies, and it charges accordingly high prices.

» MORE: Compare car insurance rates

Nonstandard drivers can be not only those with poor driving records but also those who:

  • Are newly licensed.
  • Are elderly.
  • Have a foreign driver’s license.
  • Have poor credit.
  • Have allowed their coverage to lapse.
  • Want to buy only the minimum coverage required by their state.
  • Own an exotic vehicle.

Sentry Insurance Group acquired Dairyland in 1966, the same year the insurer began offering motorcycle insurance. Today, Dairyland also insures scooters and mopeds. Its policies are sold by independent agents, online or by phone. It’s also a mutual insurance company, meaning that Dairyland’s policyholders are part owners of the company.

Pros Cons
  • A good option for high-risk or “nonstandard” drivers.
  • Offers “pay as you go” monthly payment plans with a down payment.
  • Charges higher rates than companies that cater to lower-risk drivers.
  • Service mainly delivered by phone and online; agents aren’t widely available.
  • No mobile app.

Dairyland auto insurance

Dairyland’s coverage offerings include bodily injury and property damage liability, collision, comprehensive, medical payments, personal injury and uninsured motorists protection. The company also offers towing and labor coverage, which pays to get your vehicle to a service center if it’s immobilized, and rental reimbursement, which pays for a rental vehicle if your car is being repaired due to a covered accident.

Auto insurance discounts

Dairyland offers a variety of discounts, including price breaks for homeowners and those who complete an approved driver safety course. Other discounts include:

  • Multicar, if you insure more than one vehicle with Dairyland.
  • Advanced quote, if you get a quote at least a week before your insurance policy start date.
  • Anti-theft, if your vehicle is equipped with an anti-theft device.
  • Transfer, if you have other auto insurance coverage in place for at least six months before becoming a Dairyland customer.

Discounts vary by state.

Dairyland motorcycle insurance

Dairyland motorcycle coverage offerings include collision, comprehensive, bodily injury and property damage liability, personal injury protection, and uninsured motorist property damage and bodily injury. Underinsured motorist property damage coverage is also available. It protects you when the at-fault driver doesn’t carry enough insurance to pay for repairs of damage to your bike.

Dairyland also offers:

  • Replacement cost coverage, which pays for a replacement bike if yours is destroyed in a covered claim. It’s available only for motorcycles that are less than 3 years old.
  • Guest passenger coverage, which pays for treatment of injuries that passengers sustain on your bike.
  • Physical damage plus coverage, which pays to repair your damaged bike with original equipment manufacturer parts.
  • Roadside assistance, which provides towing and emergency services that you may need due to battery failure, a flat, or a mechanical or electrical breakdown.

Motorcycle insurance discounts

Dairyland offers a number of motorcycle insurance discounts, including price breaks for owning a house, condo, townhouse, mobile home or modular home and for insuring more than one motorcycle on your policy. Other discounts include:

  • Rider course discount, if you’ve voluntarily taken and passed a safety course within the past five years.
  • HOG discount, if you’re a member of the Harley Owners Group.
  • Rider group discount, for members of certain riding clubs.
  • Women riders discount, for members of Women Riders Now (up to 11% off).

Customer reviews and ratings

Dairyland tied for the second-lowest average complaint ratio in a NerdWallet analysis of complaints against 14 nonstandard car insurance companies between 2012 and 2014. (Lower ratios are better.) The ratios measured a company’s total complaints relative to its market share.

Dairyland has a “superior” financial strength rating of A+ from A.M. Best.

Website and apps

Dairyland doesn’t have the online tools and resources that some other insurance companies do, but its website is functional and easy to navigate. On its home page, you’ll see links to find an agent, get a quote, retrieve a saved quote and make a payment. You can also settle claims and pay your bill online. Agents aren’t widely available, but if you prefer to work with an agent, enter your ZIP code and you’ll receive a list.

Unlike most major auto insurance companies, Dairyland doesn’t offer a mobile app.

Next steps

There’s no getting around it: If you’re considered a high-risk driver, you face difficulty getting auto insurance at a good price. Some insurance companies won’t insure you, and those that will are likely to charge you higher rates. It’s worth your time to shop around and compare quotes from a number of companies. NerdWallet’s car insurance comparison tool can help.

Juan Castillo is a staff writer at NerdWallet, a personal finance website. Email: [email protected]. Twitter: @JCastilloNerd.

Image via iStock.