Dairyland Insurance Review:
An Ideal Insurance Choice for 2023?
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Last Updated: April 19, 2023
This Dairyland Insurance review by Agency Height analyzes Dairyland as your auto and motorcycle insurance carrier. We hope this helps you decide whether to choose it for your next policy coverage.
Getting auto insurance can be a tough job. From looking into your driving history to examining your vehicle model, insurance carriers check your records before providing you with an insurance quote. This process applies both to auto insurance and motorcycle insurance.
If you are a high-risk driver, or you just happen to have a comparatively poor driving record, you might be in a sticky spot to get the insurance from auto insurance companies. Simply put, you might not be qualified to get auto insurance for your ride. That’s where Dairyland Insurance might be able to help you. Read on to decide if you would like to apply for a quote at Dairyland for your next auto insurance or motorcycle insurance.
Dairyland Insurance Ratings Overview
- Reviews: Trustpilot (7,106), Clearsurance (173), Consumer Affairs (484) | Total (7,763)
- Rating: Trustpilot (4.5) Clearsurance (3.8), Consumer Affairs (4.1) | Average: (4.13)
- Phone number: 800-334-0090
- Address: 1800 North Point Dr, Stevens Point, Wisconsin, United States
Dairyland Insurance started out in 1953 in Wisconsin, but was acquired by Sentry Insurance in 1966. Marketing themselves as an affordable auto and motorcycle insurance company, Dairyland has focused on making general auto insurance and motorcycle insurance available at a comparatively lower rate than the market average.
To add on to this, Dairyland specifically specializes in providing insurance for high-risk drivers, and those with a poor driving history who cannot purchase insurance from other companies. High-risk drivers are those who are either new drivers who have just received their driving license, drivers with violation records such as for speeding and DUI conviction, drivers who have had multiple and frequent minor violations such as accidents and parking tickets, or those who have had to file a SR-22 or FR-44.
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With over 60 years of insurance business history, the insurance carrier has been ranked A+ by both A.M. Best Ranking and Better Business Bureau (BBB).
Dairyland has a large pool of potential clients across the states, who want to get their car, motorcycle, scooter, or moped, insured. * Dairyland operates widely through its website and mobile application rather than in-person visits and local agents. Their mobile application offers features to access your account, get bill alerts, and view insurance ID cards and certificates as well.
*Not all the policies are available in all of the states.
Is the two-second rule enough for motorcycles? Find out and learn other safety tips with this handy guide.
— Dairyland® (@dairylandins) May 11, 2022
Pros and Cons of Choosing Dairyland
- Optimal for high-risk drivers.
- Ease of eligibility for multiple discounts with multiple schemes for those who have paid in full for their vehicles, or own multiple vehicles, whether motorcycles or cars.
- Additional SR-22 Policy and Lienholder policy for high-risk drivers.
- High price, although claimed to be cheaper rates, due to the fact that Dairyland insures high-risk drivers.
- Large number of complaints indexed by customers and several Dairyland insurance reviews.
- Not available in all the states.
Dairyland Ratings and Reviews
|A+||A.M. Best Ranking||How do other auto and motorcycle insurance carriers compare to Dairyland Insurance?|
|A.M Best has provided a rank of A+, considered superior ranking, for Dairyland’s financial strengths and credibility.||
|The National Association of Insurance Commissioners (NAIC) has given a 1.44 rating. An insurance carrier with a rating above “1” has more than the average number of customer complaints.|
|Ratings from Dairyland Insurance Reviews for Dairyland’s overall quality as an insurance carrier|
Insurance Products Provided by Dairyland
Dairyland specializes in auto and motorcycle insurance. The insurance carrier has strategized by providing three standard coverage options and five specialty coverage options. In addition to this, we might know by now that the insurance carrier focuses on auto insurance for high-risk drivers and drivers with below-par driving records who might be finding it difficult to get an insurance policy from other carriers elsewhere. Listed below are the major Dairyland insurance products with additional coverage you could get while signing up for auto or motorcycle insurance. Check them out below to see if you can find what you are looking for.
|Collision Insurance||Comprehensive Insurance|
|Uninsured/Underinsured Motorist Coverage||Personal Injury Protection|
|Towing and Labor||Special Equipment|
|Standard Coverages||Body Injury Liability|
|Specialty Coverages||Optional/Special Equipment|
|Replacement Cost Coverage|
|Guest Passenger Coverage|
|Physical Damage Plus Coverage|
|Towing and Labor||Rental Reimbursement|
Two Cents on Dairyland As A Potential Insurance Carrier
The ratings and positioning of Dairyland as an affordable and reliable choice for auto and motorcycle insurance speak for themselves. Right from their ranges of standard and specialty coverages to their elaborate discount schemes, they definitely have a lot to offer, and that too at a cheaper rate than any other auto insurance company. If you are considering getting your ride insured through Dairyland, have a look through some of the points we’ve gathered for you:
You might have gone through the product section of this Dairyland insurance review above. However, let’s just focus on it one more time, shall we? Dairyland offers your standard auto insurance policies such as collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, personal injury protection, and body injury liability. In addition to these, you can also choose from specialty coverages and add-ons to be included in your policy. Special equipment, replacement cost coverage, guest passenger coverage, and rental reimbursement are just a few. So, if you’re looking forward to highly specialized coverage, then Dairyland could be your potential insurance carrier.
Ideal for High-Risk Drivers
Dairyland caters majorly to high-risk drivers in the U.S. market, and thus, puts themselves as probably the first choice for these individuals. They also offer a SR-22 and a lienholder policy for the same.
If you are a high-risk driver, a SR-22 certificate is primal to prove that you have your vehicle insured for the minimal amount as required by the state law in order to get back on the road again. Without it, you may not be able to drive. Insurance carriers such as Safeco and Nationwide do not provide this certificate. However, if you’re thinking of choosing Dairyland, then you’re in for luck. They take care of your SR-22 requirements as soon as you place a request, and they do not take filing charges either.
Should you have your bank or financial institution backing up your auto loans, then you can also apply for the lienholder policy. This policy enlists the financial institution as a lienholder in your standard auto insurance policy.
Increased Eligibility for Discounts
One more commendable point of Dairyland is surely their pool of diverse discounts available for both auto and motorcycle insurance. Here are the discounts you can choose from when you purchase a policy from Dairyland.
|Auto Insurance Discounts|
|New Customer||Anti-Theft Devices|
|Driver Education||Policy Bundling|
|Motorcycle Insurance Discounts|
|Harley Owners Group (HOG)
|Rider Safety Courses
High Number of Customer Complaints
Despite the strong ratings for Dairyland’s financial strength, and their elaborate history, the insurance carrier has received a rating of 2.69 from NAIC. This is distinctively high, and shows that there are more complaints filed against the company than the national average. You can have a look at the next section for an example of the reviews provided by Dairyland customers.
Although their auto insurance rates are comparatively cheaper than the standard auto insurance companies, they still fall on the expensive side. This is because the insurance carrier caters mostly to high-risk drivers, rather than the regular customers seeking personal or commercial auto insurance.
Sample Customer Reviews
Now that we’ve covered the major parts, it’s also essential to keep in mind the community’s response before you jump right in. Have a look through what a sample of Dairyland customers have to say about the company below.
I have never got a better rate. Hate to put this out there but for other users I will…. I had to put an SR22 onto my insurance and they found me the cheapest rate I’ve ever had in my history of insurance. It is cheaper than my insurance without having a sr22! Woohoo! Not to mention the customer service was efficient and superior.
I was involved in a car accident yesterday around 8am. My car got totaled and still have not heard from these people. The other party’s insurance already contacted. When I go and call these people, they give me attitude. I’ve been a customer for 5 years. This is ridiculous.
The first representative was very rude and demeaning in her voice tonality and demeanor. She was not good at answering questions and seemed like I wasn’t supposed to have any to ask. She was very short and rushed me off the phone before I was totally clear with everything that was going to happen. I called back a few minutes later to see if I could get some more clarification and the next rep was not that much better.
I had to contact this company because this is the insurance the driver who hit us uses. Absolutely the worst customer service I have ever seen in my life. Completely uncaring employees who offered up below the minimum amount of information required. Spoke to them on Friday and then Tuesday, and on Tuesday they offer up they only do inspections on Monday and we need to wait another week. They didn’t call back the number we provided and instead left voicemails on an old unchecked number off of the insurance company paperwork. The adjuster was callous, curt, and uninterested in listening to anything. I pity anyone that has to do business with this company.
The only reason I went with this company is because I was able to get insurance on a Sunday and their commercials made them sound really good. The rate I am paying with this company for basic liability is more than what I was paying for full coverage with my last insurance company by almost $100, this is definitely not a savings. I will not be staying with this company for long.
With over 60 years of experience in the auto and motorcycle insurance industry, Dairyland can cater to your insurance needs with elaborate policies. Whether you are looking for a standard auto/motorcycle insurance policy, or looking for a specialized policy for a high-risk driver, you can check the available options on their website. We do recommend you to see whether they provide their services in the state you’re located in. Additionally, you might want to go through your requirements and factors such as reviews from those who have sought insurance from Dairyland. This way, you can get an added perspective before you make your decision on the insurance carrier.
If our Dairyland insurance review has piqued your interest, you should definitely check out Dairyland’s website and contact their local agents today!
Frequently Asked Questions
Why should I choose Dairyland?
If you’re looking for insurance as a high-risk driver, Dairyland specializes in auto insurance for the same, and you might want to check it out. Besides this, Dairyland also offers insurance for two-wheelers, i.e. motorcycles, scooters, and mopeds, at a competitive rate.
How do I get a quote from Dairyland?
You can get a quote from Dairyland’s website and even by calling their number. To add on to this, you can manage all your insurance nitty-gritties from Dairyland’s website and mobile application.
Does Dairyland offer a refund?
Dairyland offers you a refund on a pro rata basis for your unused coverage. You may find the details on Dairyland’s website.
Agency Height is a platform for insureds and insurance agents to connect with each other. Our insurance blog is developed solely for informational purposes. The content provided in Agency Height’s insurance reviews focuses on educating insurance seekers to help them make informed choices when it comes to purchasing insurance.
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