Dairyland
- Insures high-risk or “nonstandard” drivers.
- Can offer an SR22 for most customers.
- May be more expensive than other insurers.
NerdWallet's take on Dairyland auto insurance
Dairyland earned 4.3 stars out of 5, reflecting the insurer’s solid online and consumer experiences. Dairyland scores higher in our analysis than other companies that focus on nonstandard or high-risk drivers.
Best for: Drivers who need an SR22 or have a hard time getting a policy from other insurers.
Not ideal for: Drivers who can get coverage from other insurers.
Where Dairyland car insurance stands out
Coverage options. Dairyland offers a variety of coverage options.
SR22 assistance. Dairyland can help nonstandard drivers who need an SR22 get a quotes and submit the necessary paperwork.
Insurance companies use terms like “nonstandard” or "high-risk" to refer to drivers who usually pay more for insurance. You might be in this category if you have had multiple car accidents or speeding tickets, a lapse in coverage or a serious offense like a DUI.
Where Dairyland car insurance falls short
Affordability. Other insurers may offer cheaper prices for high-risk drivers, according to our rates analysis.
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How much does Dairyland car insurance cost?
Dairyland car insurance costs an average of $4,175 per year for a full coverage policy, compared to the national average of $2,300. This is according to NerdWallet’s November 2025 analysis.
For minimum coverage, Dairyland car insurance costs an average of $70 per month or $836 per year, according to our November 2025 analysis. The national average is $52 per month, or $627 per year.
» MORE: Compare car insurance rates
Dairyland auto insurance rates by age
Insurers might see your age as a way to determine your driving experience, which then helps them predict how likely you are to take risks on the road. Our November 2025 analysis shows that 20-year-old drivers pay significantly more than 60-year-old drivers, or even drivers in their 40s.
Here are Dairyland's average car insurance rates for drivers of different ages:
Young drivers. The average cost of Dairyland car insurance for 20-year-old drivers is $6,754 per year, or $563 per month. The national average for this age group is $4,684 per year, or $390 per month.
Adult drivers. The average cost of Dairyland car insurance for 40-year-old drivers is $3,993 per year, or $333 per month. The national average for this age group is $2,232 per year, or $186 per month.
Senior drivers. The average cost of Dairyland car insurance for 60-year-old drivers is $3,575 per year, or $298 per month. The national average for this age group is $1,988 per year, or $166 per month.
- More Dairyland auto rates by age
Age Company median rate National median rate 20 $6,754 $4,684 30 $4,694 $2,375 35 $4,175 $2,300 40 $3,993 $2,232 50 $3,594 $2,074 60 $3,575 $1,988 70 $3,789 $2,125
Dairyland auto insurance rates by driver profile
Another factor that determines your car insurance rate is your driving history. For example, a driver with a DUI normally pays more than someone with a recent accident, and a driver with poor credit could pay more than someone with a recent speeding ticket.
Below are Dairyland's average full coverage rates for 35-year-old drivers:
Poor credit. The average cost of Dairyland car insurance for drivers with poor credit is $5,783 per year, or $482 per month. That's compared to the national average, which is $3,850 per year, or $321 per month.
(California, Hawaii and Massachusetts don't allow insurers to use credit when determining car insurance rates.)
Speeding ticket. The average cost of Dairyland car insurance for a driver with a speeding ticket is $5,800 per year, or $483 per month. That's compared to the national average, which is $2,931 per year, or $244 per month.
At-fault crash. The average cost of Dairyland car insurance for a driver with an at-fault crash is $6,590 per year, or $549 per month. That's compared to the national average, which is $3,405 per year, or $284 per month.
DUI. The average cost of Dairyland car insurance for a driver with a DUI is $5,203 per year, or $434 per month. That's compared to the national average, which is $4,265 per year, or $355 per month.
Dairyland auto insurance discounts
Depending on your state, you may be able to save on auto insurance by:
Insuring multiple vehicles.
Getting a quote before you need your insurance policy to take effect.
Owning a car with an anti-theft device or other safety equipment.
Switching to Dairyland from a different company.
Owning a home.
Having good grades as a student (not available in all states).
Paying your bill once a quarter instead of monthly.
Setting up automatic payments or paying your bill in full.
Completing a defensive driver course.
While Dairyland doesn’t offer a paperless discount, the insurer does partner with the Arbor Day Foundation to plant a tree for each customer who goes paperless.
If you’re looking for the cheapest auto insurance rates possible, you may want to buy the minimum car insurance needed to drive in your state. Be aware, however, that this can leave you without enough coverage after an accident. Read our cheap car insurance article to see average minimum car insurance rates by company and state
Dairyland car insurance coverage
Dairyland's full coverage car insurance includes the standard types of coverage offered by most insurers:
- Liability insurance
Liability car insurance pays for others’ injuries or property damage you cause in a car accident, up to your auto policy limits. There are two types:
Bodily injury liability covers others’ medical expenses after an accident where you are at fault.
Property damage liability covers the repair costs to other vehicles, fences, mailboxes or buildings from an accident.
Is it required? Yes. Every state, except for Virginia and remote parts of Alaska, requires drivers to have a minimum amount of liability car insurance in order to drive legally.
- Personal injury protection
Also known as "no-fault insurance," PIP covers your own injuries and medical expenses after a crash, regardless of who's at fault, up to your policy limits. Depending on your state, PIP could also help pay for:
Lost wages if you're unable to work due to your injuries from a car accident.
Services you can't perform because of an accident, such as house cleaning or child care.
Funeral costs if an injury from an accident leads to death.
A small death benefit as a cash payout.
Is it required? Personal injury protection is required in the following states: Delaware, Florida, Hawaii, Kansas, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon and Utah.
- Medical payments coverage
Medical payments coverage, or MedPay, helps pay for your medical expenses or funeral costs after a car accident, no matter who's at fault, up to your policy limits. It also pays for medical bills if you or one of your family members is hit by a car while on foot, riding a bike or traveling as a passenger in someone else’s car.
Is it required? MedPay is required in Maine and New Hampshire, and can be purchased as an optional add-on in most other states. In a few states, MedPay can't be purchased because personal injury protection is required.
- Uninsured/underinsured motorist coverage
Uninsured and underinsured motorist coverage pays out if you're in an accident where the at-fault driver has no liability car insurance, or not enough to cover your injuries or property damage. It can also be used to pay for your passengers’ and household family members’ injuries.
Is it required? Uninsured/underinsured motorist coverage is required in Washington, D.C., and the following states: Connecticut, Illinois, Kansas, Maine, Maryland, Massachusetts, Minnesota, Missouri, Nebraska, New Hampshire, New York, North Carolina, North Dakota, Oregon, South Carolina, South Dakota, Vermont, Virginia, West Virginia and Wisconsin.
- Collision insurance
Collision insurance reimburses you to fix or replace your car if you crash into another car or object. It can also pay for hit-and-runs, rollovers and damage caused by uninsured or underinsured drivers.
Collision insurance becomes less useful the older your car is. That's because it reimburses you for repairs only up to the actual cash value of your car, minus your deductible.
Is it required? Collision insurance isn't mandatory in any state, but most lenders require it if you finance or lease your car. And when you buy collision insurance, you'll likely have to also get comprehensive insurance, which pays for damage to your car from non-traffic-related causes.
- Comprehensive insurance
Comprehensive insurance reimburses you to fix or replace your car after non-traffic-related causes, such as:
Weather events, like hail, floods or tornadoes.
Falling objects, such as tree limbs.
Fire or explosions.
Hitting an animal.
Car theft and broken windows.
Earthquakes.
Vandalism or civil disobedience, such as a riot.
Comprehensive insurance becomes less useful the older your car is. That's because it reimburses you for repairs only up to the actual cash value of your car, minus your deductible.
Is it required? Comprehensive insurance isn't mandatory in any state, but most lenders require it if you finance or lease your car. And when you buy comprehensive insurance, you'll likely have to also get collision insurance, which pays for damage to your car from traffic-related causes.
Optional coverage
Dairyland also offers some types of optional coverage, such as:
Lienholder payoff. This helps if you total a leased or financed vehicle but owe more than the car is currently worth. (Other companies may refer to this as gap insurance.)
Non-owner policies. If you regularly borrow other people’s cars, their insurance may cover you — up to a certain amount. Dairyland offers non-owner car insurance, which provides additional coverage if you get in an accident while driving someone else’s car.
Rental reimbursement. This coverage pays for a rental car while yours is in the shop as part of a covered claim. Dairyland will cover up to $30 per day, and up to $500 in total.
Special equipment. This type of coverage will protect custom and aftermarket parts you’ve added to the vehicle.
Towing and labor. Dairyland offers two tiers of roadside assistance to get your car to a repair shop after an accident.
When shopping for car insurance, it helps to understand what coverage you want and also what you’re required to get. Most states require you to have a minimum amount of car insurance, but if you can afford it, we recommend getting full coverage insurance in most situations.
Is Dairyland a good insurance company?
State regulators received close to the expected number of complaints about Dairyland auto insurance, according to three years of data from the National Association of Insurance Commissioners (NAIC).
While an average score might not seem notable, our analysis of the NAIC’s complaints data shows that Dairyland’s score is higher than many of the other companies on our list of the best car insurance companies for high-risk drivers.
See what you could save on car insurance
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More information about Dairyland auto insurance
Customer service: Call 800-334-0090 or send an email via Dairyland’s website.
Website: Dairyland’s website is easy to navigate with lots of features. You can get a quote, file and track a claim, make a payment or find an agent. The site also has helpful summaries about coverage, discounts and state insurance requirement. You can access the website in Spanish as well.
Mobile app: Dairyland’s mobile app lets you pay your bill, file a claim, access your account information and view your insurance cards. It’s available for Apple and Android devices.
How we review auto insurance companies
Our editorial team considers these factors when reviewing auto insurance companies:
- Financial strength
We use AM Best ratings to confirm an insurer’s long-term financial stability and ability to pay claims. NerdWallet does not recommend companies with a rating lower than a B.
- Complaints
These ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. The best auto insurance companies have fewer than the expected number of complaints.
- Ease of use
This category looks at how easily consumers can interact with an insurer through its mobile app and website. This includes how much coverage information is offered online, whether a user can start and track a claim online and get a quote and mobile app scores based on the Apple and Google Play store ratings.
- Discounts
We look at the kind of discounts a company offers and the total number of discounts available.
Read our full auto insurance methodology.
We nerd out on car insurance
Our goal is to give you what you need to make smart decisions about your car insurance.
Here’s why you can trust NerdWallet:
We do our homework. We regularly evaluate and review many of the insurance companies we write about. And all of our content is fact-checked before publication. This means the star ratings you see on our reviews are accurate and up-to-date.
We analyze the data. We update our average car insurance rates every month. To do that, we analyze more than 500 million rates from across the country. These rates are provided by Quadrant Information Services.
We are unbiased. NerdWallet’s content is never influenced by our business partners and advertisers. Learn more about how we write in our editorial guidelines.
Frequently asked questions
How do I add a car to my Dairyland insurance policy?
How do I add a car to my Dairyland insurance policy?
Contact your agent to add a car to your existing policy
How do you file a claim with Dairyland?
How do you file a claim with Dairyland?
You can file an auto claim online or over the phone by calling 800-334-0090.
In what states does Dairyland sell auto policies?
In what states does Dairyland sell auto policies?
Auto insurance policies from Dairyland are available in Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Maine, Maryland, Minnesota, Mississippi, Missouri, Nebraska, Nevada, New Mexico, North Carolina, Ohio, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin and Wyoming.
Does Dairyland auto insurance cover rental cars?
Does Dairyland auto insurance cover rental cars?
Yes, you can add rental reimbursement coverage to your Dairyland policy.
Methodology
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2022-2024. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
Auto insurance ratings methodology
NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for auto insurance.
