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Last updated: October 9, 2024

Dairyland Car Insurance Pricing 2024

Average rates and offerings from nonstandard insurer Dairyland.

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As a nonstandard insurer, Dairyland specializes in motorcycle and auto coverage for people who might have difficulty obtaining policies elsewhere. If you have a poor driving record, little experience, or no prior car insurance, Dairyland could be a smart option. This page details the basics of Dairyland and what you can expect to pay so you can make the best auto insurance choice for you.

Editor’s note (last updated August 15, 2024): We have updated this page with the latest pricing, coverage, and state availability information.

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Car Insurance Rates for Dairyland Insurance Coverage

Dairyland’s average annual cost for auto insurance is $3,537. You could pay as little as $1,560 or as much as $4,008 annually. This yearly average is higher than average because Dairyland is a nonstandard insurer. Nonstandard insurance covers drivers who are too financially risky to cover at standard rates.

You may be a high-risk driver if you:

  • Have a poor driving record
  • Don’t have prior insurance
  • Have a history of accidents
  • Don’t have driving experience
  • Are an elderly driver (75 years old or older)

Your exact premium will depend on personal factors such as the coverage you’re seeking and your driving history.

Category Average annual cost of insurance from Dairyland Average monthly cost of insurance from Dairyland
Full coverage $3,537 $295
Minimum coverage $1,600 $133

To find out your auto insurance premium from Dairyland, get a car insurance quote from an agent.

Discounts With Dairyland

Discount type Discount qualification
Multi-car If you have multiple vehicles in your household that you want to include on your policy
Advanced quote If you get a quote at least a week in advance from the day you need your insurance coverage to begin
Transfer If you’ve had auto insurance from another provider for at least 6 months and start a new policy with Dairyland
Payment frequency If you pay more than the minimum down payment and make your payments quarterly, every 6 months, or every year
Homeowners If you own or rent a home; the discount for renters is not available in all states
Defensive driving If you complete a defensive driving course
Anti-theft If you secure your vehicle with an anti-theft device(s)1

Favorite Features

SR-22 Insurance

Dairyland offers SR-22 coverage for car owners and nonowners. An SR-22 is a form that shows the state that you have met the minimum auto liability insurance requirements.

You may need an SR-22 if you have:

  • A DUI conviction
  • A conviction for driving with an expired or invalid license
  • Serious and/or multiple traffic violations
  • Too many moving violations within a year
  • An at-fault accident while driving without insurance

FYI

You will not handle an SR-22 form yourself. If a court or the state orders you to file an SR-22, your insurance company will file the form on your behalf with your DMV.

Superior Financial Strength

Since 1992, Dairyland has received an A+ rating from AM Best, indicating superior financial strength. Financial strength ratings demonstrate a company’s ability to meet ongoing insurance obligations such as claim payouts.

Motorcycle Coverage

When it comes to motorcycle coverage from Dairyland, customers can expect discounts on rates for insuring multiple motorcycles, bundling motorcycle and homeowners insurance, and having a Harley Owners Group (H.O.G) membership. The company reports that coverage can start for as little as $7 monthly.

In addition to the standard coverages, Dairyland offers a variety of coverage options for motorcyclists:

  • Special equipment coverage
  • Replacement cost
  • Roadside assistance
  • Rental reimbursement

Dairyland covers all types of motorcycles, including

  • Cruisers
  • Touring
  • Standard bikes
  • Sport touring
  • Choppers
  • Adventure touring
  • Sport bikes
  • Three-wheelers

You can also purchase insurance for a dirt bike, moped, or scooter insurance.

Extra Coverage Options

Alongside Dairyland’s basic coverage options like bodily injury and property damage coverage, which cover damages and losses of the other party in an accident, the company offers extra add-on coverage options, such as:

  • Comprehensive coverage
  • Collision coverage
  • Rental reimbursement
  • Roadside assistance
  • Special equipment protection: This coverage protects permanent, custom modifications to your vehicle with parts that weren’t factory installed.

Easy-to-Use Mobile App

Dairyland’s mobile app offers complete access to self-service options for iOS and Android users. Stay up to date on all your account information, such as:

Where Is Dairyland Available?

Dairyland is licensed to provide insurance in 38 states. It does not offer insurance in these states:

  • Alaska
  • Hawaii
  • Louisiana
  • Massachusetts
  • Michigan
  • Montana
  • New Hampshire
  • New Jersey
  • New York
  • North Dakota
  • Oklahoma
  • Rhode Island
  • Washington, D.C.2

Cancellation Policy

To cancel your policy with Dairyland, call its customer service line at 800-334-0090.

You may face a cancellation fee for ending your policy before your renewal date, but ask an agent for a prorated refund. If you paid in full, a prorated refund would return any unused premium for the remaining days in your policy period.

NOTE

Make sure you have a new policy before you cancel your current one. A lapse in coverage could leave you financially unprotected in the event of an accident and potentially increase your future insurance premiums.

Company Background

  • 1953: The company was formed as Dairyland Mutual Insurance Company of Wisconsin and began selling specialty insurance to dairy farmers.
  • 1966: Sentry Insurance acquired Dairyland.
  • 1975: Independent agents joined the Dairyland team.
  • 2005: Sentry acquired Viking Insurance and merged it with Dairyland, doubling the size of its specialty auto insurance services.
  • 2022: From its Midwestern roots, Dairyland has expanded its local presence for over 60 years to provide insurance coverage to more than 20 states.

Dairyland Contact Information

If you are trying to make a payment or receive a quote, Dairyland’s website is the go-to tool for 24/7 access to your account details and inquiries. If you would rather reach out by phone or email, you can use these contacts:

  1. For quotes: Call 844-933-4445 for auto insurance or 844-906-3477 for motorcycle insurance on weekdays from 6 a.m. to 9 p.m. CT and on Saturdays from 7 a.m. to 6 p.m. CT.
  2. For policy questions, claims service, and payments: Call 800-334-0090 or email help@dairylandinsurance.com, 24/7.
  3. To report suspected fraud: Call 877-736-8798 or email SIUTipLine@sentry.com.
  4. For online inquiries: Fill out the email form on Dairyland’s contact page: www.dairylandinsurance.com/contact-dairyland-insurance. Expect a response within 24 to 48 hours.
  5. For social media: Follow @DairylandCycle on Facebook, @dairylandins on Twitter, @dairylandmotorcycle on Instagram, and Dairyland on YouTube.

 

Conclusion

While its premium rates run higher than average, Dairyland is an excellent option for high-risk drivers searching for discounts and SR-22 coverage for cars and motorcycles. If you live in one of the states that Dairyland serves, you should consider its mobile app and additional coverage options when searching for the best auto insurer.

Frequently Asked Questions

What types of car insurance coverage does Dairyland offer?

Dairyland offers liability, uninsured motorist (UM), underinsured motorist (UIM), personal injury protection (PIP), medical payments, collision, comprehensive, towing and labor, rental reimbursement, lienholder, and special equipment coverage.

What happens during Dairyland’s claim process?

Dairyland is present at every step of the claims process. After you report your auto claim, an agent will ask some initial questions to connect you with a claims associate. The claims associate will review your policy and determine the next steps and payouts. If you require repairs or a rental car during your claims process, Dairyland will connect you with a repair shop and rental service (if you have rental coverage on your policy).

If your policy covers your claim, you’ll receive a check from Dairyland directly. If your policy does not cover your claim, you will receive a letter detailing the reasoning for the denial. Depending on your state’s laws, you can choose to file an appeal if you believe the denial is inaccurate.

How do I find a Dairyland agent near me?

To find a Dairyland agent near you:

  1. Visit Dairyland’s website: www.dairylandinsurance.com.
  2. Click “Find An Agent.”
  3. Enter your ZIP code.
  4. Choose either auto or motorcycle coverage.
  5. Enter the radius in miles within which you want to search.
  6. Submit your search. A list of any available agents will populate in order of proximity to your ZIP code.

What off-road vehicles does Dairyland insure?

Dairyland provides off-road vehicle insurance for ATV/UTVs, dirt bikes, side-by-sides, and snowmobiles.

Ella Erwin
Written by:Ella Erwin
Staff Writer
Ella Erwin is a writer at AutoInsurance.com. Their most recent professional experience was designing and co-facilitating courses in policy advocacy with the Center for New York City Affairs. They are currently pursuing a Master of Science in design and urban ecologies and creative community development at Parsons School of Design. Ella also has a Bachelor of Arts in sociology and sustainability from Pepperdine University.

Citations

  1. Save money with our auto insurance discounts. Dairyland. (2022).
    https://www.dairylandinsurance.com/auto/car-insurance-discounts

  2. NAIC numbers and state licenses. Sentry.
    https://www.sentry.com/-/media/sentry-insurance/home/naic317.ashx?la=en&hash=256791A852B66EA3EAF9EEEF74919D41