HomeRenters InsuranceDairyland Insurance Reviews: 2023 Guide

Dairyland Insurance Reviews: 2023 Guide

Dairyland Insurance is known for having auto insurance coverages for different types of vehicles like motorcycles and snowmobiles. The company is also a good option for high-risk drivers who may struggle to get affordable coverage from larger providers.

We at the Guides Auto team review Dairyland’s costs, customer experiences, coverage and reputation to help you choose the ideal auto insurance for your needs. Our experts also rate and review the nation’s best car insurance companies if you’re looking to compare car insurance quotes.

Dairyland Insurance Reviews

Using our methodology, our team of review experts assigns a score of 7.3 out of 10.0 to Dairyland Insurance. This places it as the 30th best insurance provider in our rankings. Dairyland has a strong reputation and is available in almost every state, but its high costs and limited coverage options drag its score down.

Dairyland Insurance Ratings

*Ratings are determined by our editorial review team. Learn more about our scoring methodology below.

Is Dairyland Insurance Good?

Dairyland Insurance is a good option for drivers who can’t easily get policies from other car insurance companies because of the accidents, DUIs or other traffic violations on their driving records. For most drivers, Dairyland is not a top option due to its high rates and low customer service reviews.

Pros and Cons of Dairyland Insurance

Below are some pros and cons of Dairyland’s insurance offerings.

Dairyland Insurance Reviews and Ratings

Founded: 1953

Better Business Bureau (BBB) rating: A+

AM Best financial strength rating: A+

Dairyland Insurance was founded in Stevens Point, Wisconsin, and has been in business for 70 years. In that time, the company has expanded its vehicle coverage to 38 states. In 1966, Dairyland became a subsidiary of Sentry Insurance, a company specializing in business coverage. Today, Dairyland is a reputable company with strong scores from both AM Best and the BBB.

Dairyland Customer Reviews

Compared to other auto insurance providers, Dairyland has lower customer review ratings on average. According to the National Association of Insurance Commissioners (NAIC), Dairyland has a complaint index of 1.41. This means that it has 41% more complaints than the industry average.

Below, you can see how Dairyland’s complaint results stack up against NAIC results from other major providers. Outside of Liberty Mutual, most major car insurance companies have less complaints than Dairyland.

Ratings from the complaint index by the National Association of Insurance Commissioners for top recommended car insurance providers Our review team reached out to Dairyland for a comment on its customer complaints and received the following response:

We pride ourselves on being a high-service provider and our customers give us very favorable satisfaction scores. I’d encourage you to take a look at our website where reviews have been gathered by nearly 7,000 customers. While NAIC complaint ratios are widely available, we’d caution you on putting too much weight on them. These ratios can be greatly influenced by the market a carrier serves (e.g., high-risk, preferred) and the level of first-party coverage they provide.”

Dairyland Auto Insurance Reviews: BBB Rating

Although Dairyland has an A+ rating from the BBB, the company has an average customer review rating of 1.1 out of 5.0 stars on the site. Many negative reviews from policyholders center on the company’s claims process. Some reviews mention the lack of response toward customers. Some even discuss false claims filed against drivers for accidents that weren’t their fault.

Dairyland Insurance App

Dairyland’s mobile app has relatively low reviews compared to other insurance provider apps. The app has a 3.7-star rating on Google Play and a 2.9-star rating on the App Store.

Our review team reached out to Dairyland for a comment on its BBB and app customer review scores but did not receive a response.

Dairyland Insurance Rates and Discounts

Our team did not find available information for exact rates of Dairyland auto insurance policies. However, since Sentry Insurance underwrites most casualty coverage policies for Dairyland, Sentry’s average for full-coverage and minimum-liability car insurance can give you an idea of what you’d pay for Dairyland premiums.

Below are the national monthly and annual averages of full-coverage and minimum-liability policies from Sentry Insurance:

Sentry’s national average for full-coverage car insurance is nearly double the national average of $1,730 per year. The same can be said for the nation’s minimum-liability coverage average, which is $635. These numbers are based on the profile of a 35-year-old driver with good credit and a clean driving record.

Dairyland tends to have competitive rates for drivers who are considered high risk by insurers. These would be drivers with multiple speeding tickets, at-fault accidents or DUI convictions on their driving records. Since many high-risk drivers often have a hard time finding insurance from other providers, Dairyland could be a viable option.

Dairyland Car Insurance Discounts

Even though Dairyland can be a more expensive insurance option, one positive is its selection of car insurance discounts to help lower premiums. Below you can see the list of discount offerings available from Dairyland:

  • Multi-car discount: Insuring more than one vehicle with Dairyland can help you save money.
  • Advanced quote discount: This applies to your car insurance premium if you get a quote at least a week in advance of when you need insurance.
  • Transfer discount: If you’ve had insurance with another carrier for at least six months, you could save when you switch to Dairyland.
  • Payment frequency discount: Instead of paying monthly premiums, if you pay quarterly, semi-annually or annually you can get a discounted rate.
  • Homeowners discount: You can get some money back by having homeowners insurance, or even renters insurance in some states.
  • Defensive driving discount: If you’ve passed a defensive driving course, you can save on your auto insurance.
  • Anti-theft discount: Securing your car with an anti-theft device is another way to earn a discounted rate.

Dairyland Coverage

Dairyland has been providing a variety of coverage options to drivers for 70 years. However, it’s not available in all states.

Dairyland Insurance: Available States

Dairyland offers auto insurance coverage in 38 states, which include:

Dairyland Insurance: Standard Car Coverage Options

Like most providers, Dairyland offers the six standard types of car insurance. Liability coverage, comprehensive insurance and collision coverage make up a full-coverage policy.

The six standard types of car insurance coverage that typically make up a full-coverage policy This table shows the different options available from Dairyland:

Additional Dairyland Car Insurance Policy Options

Beyond standard coverage options, Dairyland also has several add-ons for auto insurance:

  • Special equipment coverage: This covers special aftermarket parts and other touches you’ve added to your vehicle after purchase.
  • Towing coverage: Towing coverage helps you get your vehicle to a repair shop in the event of an accident.
  • Rental reimbursement coverage: If you end up without a vehicle for an extended period of time, rental reimbursement coverage helps you pay for a rental car.
  • Lienholder coverage: If you total a vehicle that you’re leasing or buying before it’s paid off, this coverage can help cover some of those costs. This is also useful if you have a lower deductible and still want to save money.

Dairyland Insurance Motorcycle and Off-Road Insurance

If you own vehicles other than a car, Dairyland also has options to ensure you’re covered. Below is a breakdown of the company’s insurance products for motorcycles and off-road vehicles.

Dairyland Motorcycle Insurance

Dairyland offers motorcycle insurance for a collection of different bikes, including cruisers and sports bikes. Coverage selections include:

  • Liability
  • Collision
  • Comprehensive
  • Optional/Special equipment coverage
  • Replacement cost coverage
  • Roadside assistance

Dairyland also has motorcycle insurance discounts for insurance customers who own multiple bikes or a house. There’s even a discount for drivers who are members of the Harley Owners Group.

Dairyland Off-Road Vehicle Insurance

If you own an ATV, moped, dirt bike or snowmobile, Dairyland offers coverage to keep you protected while you enjoy your off-road fun. Off-road insurance is an important extra layer to add on for potentially dangerous activities.

If you live in a town that allows main road four-wheeling, you may be required to have off-road coverage. Dairyland offers the following options for off-road vehicles:

  • Liability
  • Collision
  • Comprehensive
  • Medical expense
  • PIP
  • UM
  • Guest passenger
  • Optional/special equipment
  • Submersion
  • Enhanced permissive use
  • Transport trailer coverage

Dairyland also offers different discounts for off-road insurance, but not all of these discounts are available for every vehicle, and they vary based on the state.

Dairyland Insurance Review: Conclusion

Dairyland Insurance is not a great option for most drivers because of its high insurance costs, poor customer service ratings and about average coverage selection. However, for new drivers and those who have extensive driving records, it can be a more competitive option. Dairyland is also good for those who need motorcycle or off-road vehicle insurance.

Alternatives to Dairyland Insurance

We’ve reviewed and rated a number of the top auto insurance providers on the market. If Dairyland doesn’t seem like the right choice for you, USAA and Geico could be a better fit for your insurance needs.

USAA: Low Rates for Military

We rank USAA as a top five auto insurance provider for several reasons. The company has consistently affordable rates for most driver profiles, records of amazing customer service and a great selection of discounts. It often scores highly in J.D. Power studies and with other industry reviewers. If you’re an active military member, a veteran or the spouse or child of one, you could qualify for car coverage with USAA.

Read more: USAA insurance review

Geico: Affordable for Most Drivers

Geico is a top insurance provider that we give an overall score of 9.1 out of 10.0. On top of having some of the most affordable rates in the country, Geico offers tons of discounts that make it easier to save. One example is DriveEasy, Geico’s usage-based insurance program that helps drivers save money when they practice safe driving habits.

Read more: Geico insurance review

Our Methodology

Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.

Here are the factors our ratings take into account:

  • Cost: Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities were both taken into consideration.
  • Coverage: Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
  • Reputation and experience: Our research team considered market share, ratings from industry experts and years in business when giving this score.
  • Availability: Auto insurance companies with greater state availability and few eligibility requirements scored highest in this category.
  • Customer experience: This score is based on volume of complaints reported by the NAIC and customer satisfaction ratings reported by J.D. Power. We also considered the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.

Our credentials:

  • 800 hours researched
  • 45 companies reviewed
  • 8,500+ consumers surveyed


*Data accurate at time of publication.

Source link

latest articles

explore more