2020 Dairyland Insurance Review
Dairyland Review Summary: Dairyland auto insurance is geared toward individuals with poor driving records who have a difficult time obtaining even the most basic coverage from traditional auto insurance companies. Dairyland’s open-door policy comes with a high price tag, however. Dairyland ranks 46th, dead last, in WalletHub’s car insurance price rankings. Customer reviews online back up our findings as well, with regular complaints about higher-than-average premiums.
Dairyland sells auto insurance policies in all 50 states and the District of Columbia. But high-risk drivers who are looking for just enough coverage to stay legal on the road should definitely shop around. You will likely find better prices from other auto insurance companies that specialize in selling high-risk policies.
In the sections below, learn more about the coverage and discount options from Dairyland auto insurance to see if it’s right for you. You can also check out how Dairyland fares against better-known competitors like GEICO and Progressive.
Dairyland Auto Insurance Reviews & Ratings
- WalletHub: 1.5 (152 user reviews for Dairyland insurance).
- Business Bureau: A+ (not accredited)
- J.D. Power: Not rated
- National Association of Insurance Commissioners (NAIC): Dairyland auto insurance received more customer complaints in 2018 than other similarly sized auto insurance companies.
- A.M. Best: A+ (Superior) financial strength.
Dairyland auto insurance has some positive reviews from customers who are grateful for being able to purchase coverage despite their spotty driving records. However, most of the reviews online detail negative experiences with the company. Three types of complaints consistently cropped up among the reviews: difficulty in canceling a policy, high premiums, and poor claims servicing.
Fun Fact: Dairyland has been insuring automobiles and motorcycles for more than 60 years. The company was acquired by Sentry Insurance in 1966.
Dairyland Insurance Coverage Options
Dairyland offers auto insurance policies for high-risk drivers who may have trouble securing coverage with major auto insurers. Dairyland has all the basic coverage options that are commonly required by most states. These include liability coverage for bodily injury and property damage; medical coverage for personal injury protection and medical expenses; and coverage for uninsured/underinsured motorists. Collision and comprehensive coverage options are available as well.
On top of these traditional coverages, Dairyland also offers supplemental protections that drivers can purchase for added benefits.
Additional Coverage Options from Dairyland Insurance:
- Towing & Labor: Covers the cost of certain roadside emergencies such as towing, fuel delivery, and a tire change.
- Rental Reimbursement: Covers the cost of a rental car if your vehicle isn’t drivable after an accident.
- Special Equipment Protection: Covers the cost of damage to certain custom features and equipment that you’ve added to your vehicle.
Coverage availability vary by state, and certain restrictions may apply.
Specialty Types of Auto Insurance from Dairyland:
Dairyland offers non-owner car insurance for individuals who do not have a personal vehicle but would still like to be protected whenever they find themselves behind the wheel (e.g., borrowing a friend’s car).
For individuals who prefer to travel on two wheels, Dairyland also has you covered with its motorcycle insurance. Coverage options include liability, collision, comprehensive, replacement cost, and more.
Sample Dairyland Auto Insurance Quotes
|Age||Clean Driving Record||Poor Driving Record|
|21||$1,000 / month||$1,293 / month|
|30||$589 / month||$763 / month|
|42||$476 / month||$625 / month|
Details on how we obtained these sample quotes can be found in our Methodology. Premiums vary by state and by the level of car insurance coverage you decide to purchase.
Dairyland Insurance Discounts
- Multi-Car Discount when you insure more than one vehicle with Dairyland.
- Advanced Quote Discount when you request a quote and purchase a policy at least 7 days before your policy goes into effect.
- Transfer Discount when you switch your auto insurance policy to Dairyland. To qualify, you must have been with your prior insurance company for at least 6 months.
- Payment Frequency Discount when you pay your policy premium on a quarterly, semiannual, or annual basis.
- Homeowners Discount for simply being a homeowner and having your property insured.
- Defensive Driving Discount for completing a driver’s education course.
- Anti-Theft Discount for having an anti-theft device (e.g., tire lock or GPS tracking) in your vehicle.
Eligibility criteria and the amount of these discounts vary by state, and not all discounts are available in all states.
Dairyland Insurance vs. Popular Alternatives
|Average Annual Premium||$9,005.51||$3,422||$3,546|
|WalletHub Ranking (total of 46 companies)/td>||46th||17st||21th|
|Complaints Score (lower is best)||1.63||0.70||0.84|
To weigh the relative strengths and weaknesses of Dairyland auto insurance, WalletHub’s editors reviewed policies offered by the largest, most popular auto insurers in America. WalletHub’s auto insurance ratings are based on several factors that are important to consumers when shopping for car insurance.
- Customer reviews
- Watchdog ratings
- Coverage options
- Coverage limits
- Claims process
- Customer service
To get a sense of how satisfied customers are with Dairyland auto insurance and other insurance companies, WalletHub presents a complaints score for each company. This calculated score is the ratio of each insurer’s share of all U.S. car insurance complaints over its share of annual premiums for personal auto policies. Put simply, the complaints score represents the number of complaints adjusted to the size of the auto insurer. This adjustment is needed because bigger companies tend to log more complaints.
Assumptions for Dairyland Auto Insurance Quotes:
Marital Status: Single
Car: Honda Accord
Comprehensive Deductible: $250
Collision Deductible: $500 (deductible waiver add-on included)
|Coverage Type||Coverage Limit|
|Bodily Injury||$100,000/person $300,000/accident|
|Uninsured/Underinsured Motorist (Bodily Injury)||$30,000/person $60,000/accident|
For the sample quotes, WalletHub collected quotes from major auto insurers in at least 30 cities in California. We analyzed a variety of driver profiles that are available in the state regulator’s database. These profiles vary in age and driving records, where a good record assumes no accidents and a poor record assumes at least one at-fault accident or traffic violation. California was selected because it is the most populous U.S. state, and it lands in the middle of WalletHub’s price rankings for car insurance.
For more car insurance research, check out WalletHub’s 2019 Cheap Car Insurance Study. And if you have experience with Dairyland car insurance that you think might help other consumers, you can also write a Dairyland review.
Was this article helpful?