Dairyland insurance is a most popular insurer for high-risk drivers, it is known as having auto insurance coverages for a variety of vehicles like snowmobiles, cars and motorcycles. Dairyland can be a great choice for high-risk drivers, especially those looking for affordable coverage from larger providers. But affordable and better providers can be found for bike riders. In this article we will present the Dairyland insurance average costs, customer review and experiences, coverage plan, discounts customer satisfaction rating and reputation that will help you choose the best insurance coverage plan for your needs.Â
Dairyland Insurance companies headquartered in Wisconsin in the United States, this insurer provides insurance coverage across all states. Dairyland is well known for providing insurance policies to high-risk drivers, when other insurance companies refuse to provide coverage policies elsewhere, Dairyland offers their coverage options.
In addition, Dairyland Insurance is a unique provider needing SR-22 coverage. The company coverage options can be a lifeline for everyone who searches to find affordable insurance elsewhere and premium rates are very compatible. Their mobile and online access is very easy and they are able to get customer needs met digitally. Overall, Dairyland may be the best choice for high-risk drivers.
The US Pedia analyst team reviews assigns a score of 3.9 out of 5.0 to Dairyland Insurance. It is considered as the 28th best insurer in our ranking. Dairyland insurance has a good reputation to high-risk drivers and is available in almost every state in the USA.
Dairyland Insurance Ratings Out of 5.0
Overall Rating
2.9
Reputation
3.6
Availability
4.3
Coverage
2.9
Cost
3.7
Customer Experience
2.8
Dairyland Insurance Pros and Cons
PROS
CONS
Available extra coverage options for off-road vehicles and motorcycles
High rate than the national average
Better online experience
Limited coverage option than other insurers
A+ Financial Strength Rating from AM Best.
Dairyland offers SR22 insurance for drivers with serious violence.
Dairyland Insurance Coverage Options
Dairyland insurance offers the six standard types of auto insurance, such as Property damage Liability coverage, Collision insurance, Comprehensive coverage, Personal injury protection (PIP), Medical payments coverage (MedPay), and Underinsured/uninsured motorist coverage (UIM/UM).
Additionally, Dairyland offers some of the non-standard coverage such as SR-22 insurance coverage option for high-risk drivers who need to demonstrate financial responsibility after serious traffic rule violation.
Bodily Injury Liability Coverage (BIL)
It covers the medical expenses of other injured drivers and passengers if you are at fault in an accident.
Property damage liability coverage (PDL)
This covers expenses of repairs and replacements for damage to other vehicles or liability from accidents you’ve caused.
Collision insurance
The insurance covers your vehicle damage, regardless of who is responsible for the accident.
Comprehensive coverage
Unintended factors like floods, fallen tree branches, vandalism or theft, cover this insurance coverage.
Personal injury protection (PIP)
It takes care of medical expenses, death benefits or lost wages for you and your passengers with no-fault states.
Medical payments coverage (MedPay)
MedPay covers medical expenses for you and your passengers of an accident, but not lost wages.
Underinsured/uninsured motorist coverage
When you get into an accident with a driver who has little or no car insurance, it takes care of your bodily injuries and property damage. It still covers if you are the victim of a hit-and-run incident.
Additional Coverage Policy Options of Dairyland Insurance
In addition standard coverage options, Dairyland insurance also has several additional policy coverage for auto insurance:
Extra equipment coverage
It covers extra aftermarket parts and other touches equipment that you’ve added to your vehicle’s own purchase.
Towing coverage
This coverage helps you get your vehicle to a repair shop after an accident.
Rental reimbursement coverage
If you are traveling without a vehicle for a certain period of time, rental reimbursement coverage helps you pay for it.
Lienholder coverage
If you lease or buy your car, before you pay it off, this coverage helps cover some of those costs. Also what if you have a low deductible and still want to save money? Will still work though.
What vehicles does Dairyland insurance cover?
Whether you have vehicles other than a car, Dairyland also has options to ensure you’re covered. Below is a coverage of the company’s insurance products for off-road vehicles and motorcycles.
Off-road vehicle insurance
If you have a moped, scooter, ATV, dirt bike or snowmobile, Dairyland insurance provides policy coverage to keep you protected from off-road travel. Off-road coverage is an essential extra protection to add-on for dangerous activities.
If you drive on a highway that allows four-wheeling, you may be required to have off-road additional coverage. Dairyland offers the following coverage options for off-road vehicles:
Liability coverage
Collision coverage
Comprehensive
Medical expense
Guest passenger
Submersion insurance
Personal injury protection
Enhanced permissive use
Transport trailer coverage
Uninsured motorist coverage
Optional/special equipment
In addition, Dairyland offers some different discounts for off-road insurance coverage, but not all of these discounts are available for any type of vehicle, and they vary based on where you live.
Dairyland motorcycle insurance
Dairyland offers best of the motorcycle insurance for a collection of different bikes, including sports, towing and cruisers bikes. Dairyland offers the following coverage options for motorcycles:
Liability
Collision
Comprehensive
Roadside assistance
Replacement cost coverage
Optional/extra equipment coverage
Dairyland also has a lot of discounts for motorcycle insurance customers who have multiple bikes or a house and who are members of the Harley Owners Group.
Dairyland Insurance Average Cost
Dairyland offers competitive premium rates for high-risk drivers by insurers. These drivers will have multiple speeding tickets, at-fault accidents or DUI convictions on their driving record. Since most high-risk drivers often find it difficult to find insurance from other providers in the market, Dairyland can be a best option.
Currently, the national average cost for a 6 month auto insurance coverage policy is $880. Dairyland is about roughly 193% more expensive than a typical policy. So definitely not one of the affordable auto insurance options is available.
See how Dairyland Auto Insurance compares to other top insurers in the table below.
Like most of the insurance providers, Dairyland auto insurance cost does vary based on driver age and generally the older you will be the cheaper the insurance rates. The table below to see car insurance premiums by driver age.
Dairyland may be an expensive insurance for some vehicle owners, one positive is its choice of car insurance discounts to help cheapest premiums. You can see the list of discount below thats available from Dairyland:
Multi-vehicle discount: Insured than one more vehicle with Dairyland insurance, it can help you get a low premium rate to save money.
Advanced quote discount: It applies to your insurance policy premium if you take an insurance quote at least a week in before or when you issued insurance.
Transfer discount: If you already buy an insurance policy from another insurer for at least 6 months, however, you could save money when you switch to the Dairyland insurance option.
Payment frequency discount: If you pay three month, six month or annually instead of paying monthly premiums. Therefore you may qualify for a discounted rate.
Homeowners discount: If you are a homeowner, you can get some money back to the existing homeowner insurance policy, even if it is available in some states for renters.
Defensive driving discount: If you’ve recently completed a defensive driving course from an authorized institute, you can get an auto insurance discount.
Anti-theft discount: If you are securing your vehicle with a digital anti-theft alarm device, you may be eligible for a discount.
Methodology
Because consumers rely on us to get true information, we created a comprehensive rating process to formulate our rankings of the Dairyland insurance providers. We collected data on dozens of Dairyland auto insurance to grade the insurer on a wide range of ranking factors. The end result was an overall rating for Dairyland, according to coverage, cost and discounts.
Here are some of the factors of our ratings and cost take into account:
Coverage: Dairyland offers a variety of choices for insurance coverage that are more likely to meet consumer requirements.
Cost: Both Dairyland insurance premium rate estimates and discount opportunities were taken into consideration by QIS (Quadrant Information Services).
Reputation and experience: Our analysis team considered market share, ratings from BBB, AM Best and years in business when creating this score.
Availability: Dairyland insurance all state availability and few eligibility requirements highest scored in this category.
Customer experience: We were giving Dairyland insurance rating grade based on volume of complaints reported by the NAIC and customer satisfaction ratings reported by J.D. Power. Our research team also considered the friendliness, responsiveness and helpfulness of customer service.
FAQ of Dairyland Insurance
Is Dairyland Insurance legit?
Yes, Dairyland is a legitimate vehicle insurance provider that offers coverage options for a variety of vehicles, motorcycles and more. It has an A+ financial strength rating from AM Best and is well-known for offering competitive premium rates and discounts to high-risk drivers.
Is Dairyland insurance good?
Dairyland is a good insurance coverage option for high-risk drivers and those needing SR-22 coverage, although premium rates are relatively higher than other providers.
Is Dairyland insurance cheap?
Dairyland insurance averages cost some higher than some other insurers. However, everybody should always compare quotes from multiple insurers of need and choose an affordable coverage plan that can make your rate vary greatly from average monthly or annually rates.
Daniel Jack is a senior finance and insurance writer and analyst at The US Pedia. For more than 8 years, he has been helping consumers learn about the finance, insurance and banking related. Daniel enjoys translating the complexities of insurance into easy-to-understand advice and tips to help consumers make the best choices for their needs. He completed his MBA (Master of Business Administration) from the University of Chicago.
