Dairyland Insurance Company Review 2025
Written by
Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.
Reviewed by
Cara Carlone is a licensed P&C agent with 20 years of experience. She has her P&C license in RI and TX and holds CPCU, API, and AINS designations.
Our Dairyland Insurance Score
3 Stars
We award Dairyland Insurance Company a final rating of three out of five stars. High ratings from AM Best and the Better Business Bureau (BBB) are certainly respectable, but the carrier has not been accredited through the latter organization and has had dozens of complaints filed against it in recent years. Customer feedback is also largely mixed. On top of that, coverage is not available nationwide.
Dairyland Insurance was formed in 1953, giving the carrier more than 70 years of experience in the insurance industry. Sentry Insurance acquired Dairyland Insurance in 1966, which at the time wrote non-standard auto policies in 27 states. Sentry also began to insure riders and their motorcycles.
Today, Dairyland Insurance still focuses its efforts on providing high-risk auto and motorcycle insurance, as well as renters insurance. Coverage is offered in 38 states across the country. If you're in need of any of Dairyland's insurance products, go ahead and look into them with the help of an independent insurance agent. You just may want to survey some other options, as well.
Dairyland Insurance Company Pros and Cons:
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To find insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you.
What Type of Insurance Does Dairyland Insurance Offer?
Dairyland Insurance is a specialized insurance company with a focus on coverage for high-risk auto and motorcycle drivers. Products vary from state to state. The carrier's insurance products include the following:
- Vehicle & Auto Insurance
- Car insurance
- Non-owner car insurance
- SR-22 and FR-44 certificates
- Motorcycle insurance
- Off-road insurance
- RV insurance
- Mexico auto insurance
- Property Insurance
- Renters insurance
Dairyland Insurance Auto Insurance
Dairyland offers all the types of auto coverage you could need. You can assemble a full coverage auto insurance policy with property damage liability, bodily injury liability, collision, comprehensive, uninsured/underinsured motorist, and personal injury protection (PIP) coverage. The carrier also offers a few optional coverage enhancements and additional options for specialized protection.
Coverage types, features, and benefits:
Rental reimbursement
Dairyland offers optional rental reimbursement coverage, which can be added to a motorcycle or auto policy. This coverage can provide reimbursement for a rented replacement bike while the insured's motorcycle is undergoing repairs after a covered disaster.
Roadside assistance
Dairyland offers optional 24/7 roadside assistance, which can be added to its auto policies. This coverage is available on-call at any time for policyholders who experience flat tires, mechanical breakdowns, battery failures, and other emergency roadside assistance.
Non-owner car insurance
Dairyland also offers policies for drivers who don't own their vehicles. Policyholders who frequently borrow cars can benefit from this additional liability coverage, which can reimburse them for the cost of third-party property damage and injuries if they cause an accident while driving a vehicle they don't own.
Dairyland Insurance Car Insurance Average Prices
Dairyland Insurance does not make its average car insurance rates readily available online without requesting a quote. However, an independent insurance agent can help you find specific quotes for the exact amount of car insurance you need, and also compare quotes from multiple carriers for you. You can get a better idea of how much an auto insurance policy might cost you by using our car insurance calculator.
What Discounts Does Dairyland Insurance Offer?
Dairyland Insurance offers several coverage discounts, including:
Auto insurance discounts:
- Multi-car discount: Offered to clients who own and insure multiple vehicles with Dairyland Insurance.
- Advanced quote discount: Offered to clients who get a quote at least a week in advance.
- Transfer discount: Offered to new clients who transfer from another insurance company.
- Payment frequency discount: Offered to clients who pay their payments quarterly, every six months, or just once per year.
- Homeowners discount: Offered to clients who are also homeowners.
- Defensive driving discount: Offered to clients who take and pass a defensive driving class.
- Anti-theft discount: Offered to clients with an anti-theft device installed on their auto or motorcycle.
Motorcycle insurance discounts:
- Multi-cycle discount: Offered to clients who have multiple motorcycles in their household insured with Dairyland Insurance.
- Homeownership discount: If a client owns their house, condo, townhouse, mobile home, or modular home, and it's insured, they may qualify for a multi-policy discount.
- H.O.G. member discount: Offered to clients who are members of the Harley Owners Group (H.O.G.).
Discounts vary from state to state. An independent insurance agent can provide better discount information and premium quotes for coverage through Dairyland Insurance. When it comes to coverage, independent insurance agents work hard to help you get the most for your money.
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Dairyland Insurance Customer Service
Dairyland Insurance offers 24/7/365 phone claims reporting for its policyholders. The carrier also provides the following customer service options:
- Online claims reporting
- Online and mobile app bill pay
- Online contact form
Customer service phone department hours:
| Days | Hours (CST) | ||
| Monday-Friday | 6 a.m-9 p.m. | ||
| Saturday | 7 a.m-6 p.m. | ||
| Sunday | CLOSED |
Dairyland Insurance phone number: 800-334-0090
The best way to ensure a good customer service experience is to work with an independent insurance agent. Independent insurance agents can help handle claims and other concerns for you, so you can relax and enjoy your coverage.
Dairyland Insurance FAQs
Dairyland Insurance offers claims reporting through a couple of mediums. However, the insurance company does not provide an official claims response time frame promise. Dairyland Insurance encourages customers to file claims ASAP after an incident, and they can be reported by phone, online, or via mobile app at any time.
Dairyland Insurance claims can be filed over the phone anytime, 24/7, 365 days per year. The customer service phone department is available at extended hours during the week and also on Saturdays.
Dairyland Insurance's auto claims process begins with having customers contact the carrier via phone. The carrier will work with the customer to get repairs set up at a preferred auto body shop, and will set the customer up with a rental car if their policy includes this coverage. An independent insurance agent can help keep the customer updated through every step of the claims process.
Online bill pay is available, as is 24/7/365 claims reporting via phone. The carrier also now offers mobile and online claims reporting and has a social media presence on Facebook, X, Instagram, and YouTube. Overall, Dairyland Insurance provides a pretty user-friendly experience for customers.
Dairyland Insurance's coverage is not available in all states. But an independent insurance agent can help you find coverage from Dairyland Insurance if you live in an area where policies are offered.
Dairyland offers several types of basic auto insurance, including collision and comprehensive coverage. The carrier also offers optional coverage enhancements, such as rental reimbursement, 24/7 roadside assistance, and non-owner car insurance.
Dairyland has excellent ratings from official organizations like AM Best and the BBB. However, there are many customer complaints found on the BBB's website.
Dairyland's insurance may be right for customers who live in one of 38 states where coverage is currently offered. The carrier has solutions for auto insurance, motorcycle insurance, and renters insurance.
https://www.dairylandinsurance.com
https://ratings.ambest.com/CompanyProfile.aspx?ambnum=309&AltNum=125309