Dairyland Car Insurance Review 2021

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Drivers who switch to Dairyland with Jerry save an average of $1,407 per year on their car insurance.
On the hunt for car insurance? You deserve better than endless website scrolling and negotiating with agents over the phone.
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Here are quotes from real Jerry users:
Quote DateCar MakeCar ModelStateCityAge
Annual Savings after Switching to Dairyland with Jerry
2021-08-20Mazda6 TouringTXHouston25-34$2,796
2021-06-03SubaruImpreza 2.5I PremiumPAPhiladelphia21-24$432
2021-08-26Mercedes-BenzE 400CASan Diego25-34$3,408
2021-07-20ToyotaCorolla BaseNCCharlotte21-24$839
2021-07-15MitsubishiMirage G4 ESNCCharlotte25-34$1,056

Quick Look: Dairyland car insurance

Good for
High-risk drivers with repeat offenses
Coverage for special parts and after-market additions
Motorcycle insurance

What coverages does Dairyland offer?

Dairyland is known for providing insurance to high-risk drivers and motorcycle owners—and they’ve specialized in serving this customer segment since the 1950s. Dairyland offers a variety of coverage options, some optional and some mandatory. Here’s a rundown:

Most common coverages

  • Liability insurance: Liability insurance is mandatory in most states. It includes bodily injury liability and property damage liability, which protect other drivers if you cause an accident.
  • Comprehensive insurance: Comprehensive coverage is optional in every state, but you might be required to have it if you are leasing or financing your vehicle. It pays for damage that is not the result of a collision—like from severe weather, vandalism, or theft.
  • Collision insurance: Collision coverage is optional but, again, may be required if you’re leasing or financing. This coverage pays for damage to your car that is the result of a collision with another vehicle or a stationary object.
  • Uninsured/underinsured motorist protection: Uninsured/underinsured motorist protection helps cover costs resulting from an accident caused by a driver without any (or enough) insurance. This coverage is really important if you live in a state with a higher than average percentage of uninsured drivers.
  • Medical payments coverage: MedPay covers medical costs for you and your passengers if you get injured in a car accident, even if you were at fault. MedPay is required in a few states but it’s optional in most.

Helpful add-on policies

  • Special equipment coverage: If you added custom parts to your car, this policy may help cover damage repair costs. This could include paint work, interior modifications, electronic systems, and special wheels or tires.
  • Lienholder policy: This policy covers the cost of any custom additions that need repair after an accident if the bank still owns your vehicle.
  • Towing and labor coverage: Get roadside assistance up to your limit with a towing and labor coverage add-on policy, which includes a pick-up if you get into an accident.
  • SR-22: High-risk drivers must file an SR-22 form to be allowed to drive. Your insurance company must file the form on your behalf, and Dairyland does this for free.

Motorcycle-specific add-ons

  • Guest passenger coverage: This policy pays for the medical treatment that your passengers sustain while being carried on your motorbike.
  • ** Replacement cost**: If your motorcycle is less than three years old, you can get this policy to cover the cost for replacing your bike if it gets completely totaled in a covered claim.
  • Rental reimbursement: Need a rental while your bike is being repaired for a covered claim? This policy has you covered.
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How much does Dairyland auto insurance cost?

The average annual premium for minimum car insurance with Dairyland is $1,351. For full coverage that gives you greater financial protection, the average premium is closer to $3,648.
Your insurance rate is unique to you. Companies calculate your rate based on your unique driving record, your personal profile, and the type of vehicle you drive—along with other risk factors. As a result, premiums vary greatly from driver to driver.
Here is the average monthly payment that Dairyland drivers pay for minimum and full-coverage insurance:
Average Monthly Cost for Minimum CoverageAverage Monthly Cost for Full Coverage
$131$313
Young drivers with Dairyland typically pay $2,311 each year for car insurance, whereas older drivers pay an average of $2,306 annually.
Drivers with more experience are less risky—that’s why insurance companies charge older drivers less for a policy. Young and inexperienced drivers are nearly three times more likely to get into an accident, which makes them higher risk and accounts for their higher insurance premiums.
Here is what Dairyland customers pay based on their age group:
Age GroupAnnual Cost
Annual Savings after Switching to Dairyland with Jerry
18-20$2,334$1,413
21-24$2,386$1,218
25-34$2,183$1,156
35-44$1,948$1,517
45-54$1,793$830
55-64$1,337$950
65+$1,632$804

Who qualifies?

Dairyland specializes in drivers who have a history of infractions, as well as motorcycle owners.
It doesn’t claim to have the best website on the market, but Dairyland serves non-standard drivers in 37 states with essential policies and good options for motorcycle operators.
Non-standard drivers (people with a blemish on their driving record) will probably find a more affordable policy at Dairyland than at many other car insurance companies.
Here is the average yearly cost of Dairyland insurance for drivers with an infraction on their record:
Driving InfractionAnnual Cost
Annual Savings after Switching to Dairyland with Jerry
Clean Record$2,063$1,133
Defective Equipment$2,580$1,133
DUI$2,081$674
Careless Driving$2,201$1,118
Open Container$1,440$300
Driving on Sus. License$1,502$830
Speeding over 15$2,537$1,509
Eluding Police$972$156
Failure to Obey Traffic Sign$2,185$2,140
Speeding under 15$2,805$1,389
Leaving scene of an Accident/Hit and Run$1,373$1,123
Illegal Turn$1,212$1,834
Wrong Way/Wrong Lane$1,692$48
Improper Passing$1,455$1,689
Other$2,034$1,405
Key Takeaway Dairyland offers insurance to a variety of drivers but specializes in high-risk drivers with a history of accidents.
Dairyland insurance is available in 42 states, excluding Washington, D.C.
The Jerry app is an efficient, straightforward way to compare and purchase car insurance—no matter your driving history or location. It generates competitive quotes from top companies and then handles the paperwork on your behalf. The whole thing is free to use and it only takes 60 seconds.
By state, here’s the average annual cost of Dairyland insurance:
StateAnnual Cost
Annual Savings after Switching to Dairyland with Jerry
AL$1,747$280
AR$1,824$1,030
AZ$1,520$1,041
CA$1,310$1,481
CO$2,251$764
FL$2,575$866
IA$1,420$778
ID$1,864$1,030
IL$1,788$930
IN$1,145$283
KS$2,015$1,823
NC$2,308$1,432
NE$1,790$2,535
NV$2,650$751
OH$2,624$2,684
OR$2,381$825
PA$1,695$1,646
SC$2,621$2,188
TN$1,904$943
TX$2,838$1,233
UT$2,016$876
VA$1,701$1,264
WA$2,594$785
WI$1,807$373
Key Takeaway No matter your driving record or state, the Jerry app can help you quickly find and purchase a car insurance policy.

Discounts

Dairyland offers discounts to help their policyholders cut down on the overall price of car insurance premiums. Taken on their own, each discount is only a few percentage points—but you can qualify for multiple discounts to get a bigger reduction.
Here are a few of the most common driver- and vehicle-based discounts from Dairyland:
DiscountDescription
Anti-theft discountIf your vehicle has anti-theft devices installed, like a car alarm or steering wheel lock, you could qualify for this discount.
Homeowner discountOwning your home or condo is enough to unlock this discount.
Driver safety course discountComplete an approved driver safety class and get a discount (not available in every state).
Here are some common policy-based discounts that Dairyland offers:
DiscountDescription
Multi-car discountInsure two or more cars through Dairyland and enjoy a rate reduction.
Pay-in-full discountIf you can pay once a year, or even every six months or quarter, Dairyland will reward you by reducing your overall rate.
HOG discountMotorcycle drivers who are members of the Harley Owners Group can get a discount.

Additional services

Dairyland only offers auto and motorcycle insurance.
Their emphasis on motorcycles means that they offer special services to satisfy motorcycle riders. You can modify your coverage limits at any time, which is really useful if you’re an infrequent or seasonal driver.
They also offer a Safe Trip Motorcycle Program, which allows infrequent riders and international visitors to get temporary motorcycle insurance. You can apply coverage of 30, 60, or 90 days to a bike you own or rent.

Things to keep in mind

Payment methods

Dairyland customers can submit payments via the website or mobile app. It’s also possible to make a phone payment 24/7 by calling 800-334-0090. The company website does not mention anything about payments by mail or in person, but Dairyland does offer flexible payment plans.

Cancellation policy

To cancel a Dairyland policy, visit their website or call 800-334-0090. You may be subject to an early cancellation fee, although you may also be eligible for a partial refund if you paid in full and it’s the middle of your term.
Jerry can help you handle cancellations and refund requests, too.
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