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Average rates and offerings from nonstandard insurer Dairyland.
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.
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:
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.
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 |
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:
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.
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.
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:
Dairyland covers all types of motorcycles, including
You can also purchase insurance for a dirt bike, moped, or scooter insurance.
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:
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:
Dairyland is licensed to provide insurance in 38 states. It does not offer insurance in these states:
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.
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.
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:
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.
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.
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.
To find a Dairyland agent near you:
Dairyland provides off-road vehicle insurance for ATV/UTVs, dirt bikes, side-by-sides, and snowmobiles.
Save money with our auto insurance discounts. Dairyland. (2022).
https://www.dairylandinsurance.com/auto/car-insurance-discounts
NAIC numbers and state licenses. Sentry.
https://www.sentry.com/-/media/sentry-insurance/home/naic317.ashx?la=en&hash=256791A852B66EA3EAF9EEEF74919D41