Dairyland Insurance: Affordable Auto Insurance in 2022

While Dairyland insurance isn’t the best choice for people with clean driving records, it offers affordable options for high-risk drivers. The Dairyland insurance company offers both auto and motorcycle insurance with a variety of policy options, add-ons, and discounts. With an A+ from A.M. Best for its financial strength, Dairyland might be the best choice for auto coverage.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

UPDATED: Feb 7, 2022

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Here's what you need to know...

  • 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
  • A.M. Best gives this provider an A+ rating for financial strength
  • The National Association of Insurance Commissioners notes that this company gets a higher level of complaints than expected for its size

Stationed in Wisconsin, the Dairyland insurance company offers a wide selection of insurance products. Unlike many other insurance providers, Dairyland specializes in high-risk drivers. It’s not the best choice for most drivers, but you can find affordable car insurance options if other companies aren’t working.

You can buy Dairyland insurance in 42 states, and with a wide range of products, add-ons, and discounts. Just about anyone can find what they need. If you’ve been labeled a high-risk driver due to accidents, lapses in coverage, or traffic incidents, Dairyland could be your best option.

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?

Like its competitors, Dairyland offers a set of standard insurance policies you can buy for your car. These include:

  • Liability: Most states require liability coverage on your car before you can drive. If you cause an accident, liability will pay for damage you cause to property and people.
  • Collision: No matter who causes the accident, collision will help cover repair costs to your car.
  • Comprehensive: This coverage protects your car from damage outside of accidents, such as weather, animal contact, theft, and vandalism.
  • Underinsured/uninsured motorist: While most states require insurance, not everyone has it. This protects you from drivers with inadequate coverage and is sometimes required by the state.
  • 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’re interested in full coverage, you’ll need liability, comprehensive, collision, and underinsured/uninsured motorist insurance. 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: If your car is stranded, this add-on will pay to have it towed to a repair shop, up to a specified amount.
  • 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 usually covers it. However, if you frequently drive other people’s cars, this can help pay for the damage in the event of an accident.

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.

If you need an SR-22 form, call the Dairyland insurance phone number, and an agent can help you.

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Dairyland Auto Insurance Discounts

Most car insurance companies offer their customers discounts to help them save money. However, it can be difficult to find discounts from car insurance companies specializing in high-risk drivers.

Dairyland breaks that 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 kill switch), you can save money.
  • Drive education: Dairyland will give you a discount if you complete a driving safety course.
  • Policy bundling: Dairyland offers home and renters insurance and 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 those offered by other companies, it can still help you save money. If you have questions about what discounts you’re eligible for, call the Dairyland insurance number and ask an agent.

Does Dairyland offer motorcycle insurance?

Dairyland sells more than just auto insurance. There are several Dairyland 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 options are pretty typical, but they have several add-ons you can buy:

  • Towing and labor: Like the car insurance option, this will pay to get your motorcycle towed if you become stranded.
  • Rental reimbursement: If your motorcycle needs repairs after an accident, this coverage will reimburse you for 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.

While it might not be the most extensive list of options, Dairyland can provide you with the basic insurance 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 those offered by 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 where you won’t receive any further savings even if you’re eligible for more.

  • Multicycle: Like the Dairyland auto insurance discount, insuring multiple motorcycles can save you up to 25%.
  • Loyalty: If you are an existing customer and add a new motorcycle, you can save between 4% and 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.
  • Rider groups: Dairyland has a list of affiliated clubs to which they offer a 10% discount.

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?

As a company that specializes in high-risk drivers, Dairyland insurance rates aren’t the cheapest. In fact, if you have a clean record and no other marks against you, you’ll probably be better off going somewhere else.

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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As you can see, Dairyland is more expensive than its competitors for people with clean records. However, its rates are more affordable if you’re a high-risk driver.

Dairyland Insurance 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 issues with claim processing.

The best way to resolve any complaints you have as a customer is to call the Dairyland insurance customer service number and get in touch with 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.

Find the Best Auto Insurance for Your Needs

If you need auto or motorcycle insurance and you’re a high-risk driver, Dairyland 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.

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