In a study of real insurance policyholders’ experiences, the Jerry research team ranked Dairyland 5th overall compared to companies of a similar size.

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Updated on Apr 4, 2024

R.E. Fulton

Licensed Insurance Agent —Senior Content Writer

Reviewed by Josh Damico, Vice President Insurance Operations

Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

What's on this page?

Comprehensive Dairyland Car Insurance Review
So, is Dairyland a good insurance company?
Dairyland car insurance reviews
Dairyland pros and cons
Is Dairyland the right insurance company for you?
Is Dairyland car insurance expensive?
Find real Dairyland car insurance quotes
Will Dairyland raise your rates?
Does Dairyland resolve claims fast?
Does Dairyland have good customer service?
Dairyland car insurance discounts
Dairyland coverage options
Dairyland’s additional tools and services
FAQs
Read all Dairyland car insurance reviews
Methodology
Meet Our Experts

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Comprehensive Dairyland Car Insurance Review

With over 70 years of insurance experience serving 48 states, Dairyland is committed to making insurance easy by providing affordable coverage to drivers. Although Dairyland may not be the most popular insurance provider, its rankings put it high on the list of the top car insurance companies of 2023, according to first-hand reviews analyzed by Jerry’s research team.

Jerry

experts conducted one of the nation's most extensive car insurance reviews to collect car insurance information over 18 months.

After reviewing the data from over 120 insurance providers, our experts ranked Dairyland 5th compared to similar-sized and popular companies.

Here’s a breakdown of how our verified Dairyland policyholders ranked their insurance provider:

4.3

711 Reviews

5 Stars

61.74%

4 Stars

19.13%

3 Stars

12.38%

2 Stars

2.95%

1 Star

3.8%

We surveyed over 18,000 policyholders from all 50 states, asking them about their experience with their insurance company’s customer service, renewal process, claims handling, and more.

So, is Dairyland a good insurance company?

Based on reviews, a resounding yes.

Our experts analyzed almost 400 real customer reviews from Dairyland customers and found that of those reviews, 82.75% of respondents had positive things to say about the company, while just 3.5% gave negative reviews.

Compared to the national average of 64% positive reviews and 18.54% negative reviews, it’s clear that Dairyland ranks well above the average, suggesting that customers are satisfied with an auto insurance policy with Dairyland.

Dairyland has specialized in providing affordable insurance for

high-risk drivers

since its founding. Drivers who typically can’t get coverage elsewhere due to serious or repeated traffic violations can find affordable auto and motorcycle insurance with Dairyland.

The good: Positive Dairyland insurance reviews focused on affordable policy pricing, excellent customer service, and flexible plan features. Customers also enjoyed:

Easy application process

Mobile app accessibility

Fast response times

The other side: Negative reviews focused on a lack of discounts, expensive rates for certain drivers, and limited availability in specific states.

Jump to:

Dairyland Car Insurance Reviews

Dairyland Pros and Cons

Compare Dairyland Quotes

We asked policyholders to rate Dairyland on its affordability, claims experience, customer service, and renewal process.

See how Dairyland’s ratings compared to the national average of all companies surveyed below:

Criteria	Dairyland's Rating	Industry Average
Overall	4.7	4.1
Cost / Price	4.5	3.8
Claim Experience	3.5	3.5
Customer Service	4.7	4
Renewal Experience	4.7	4

Although Dairyland may not be the biggest insurance provider and may have higher-than-average prices for some customers, they’re among the top choices for “high-risk” or “non-standard” car insurance.

When evaluating Dairyland’s strengths and weaknesses, we wanted to check out how other industry leaders rated Dairyland on top of our survey data from real drivers. Here’s how they rank against the national average for other insurance companies in the US:

Critera	Dairyland	Score Out Of
BBB Rating	A+	A+
NAIC Rating	4.42	6
Clearsurance	3.83	5
A.M. Best Rating	A+	A++
IOS App Store Rating	3.8	5
Google Play Store Rating	2.8	5

Please note* that a greater NAIC score indicates increased risk.

Dairyland car insurance reviews

Not only did we ask policyholders to rate Dairyland in several specific categories we were interested in, but we also wanted to hear what they had to say! Keep reading for actual reviews from Dairyland auto insurance customers:

Dairyland pros and cons

Based on our analysis of both our national insurance customer satisfaction survey and the public third-party ratings available for Dairyland, here’s an overview of some of the pros and cons of buying a car insurance policy through Dairyland:

Pros

Coverage for high-risk or non-standard drivers

Can offer a free SR-22 for most customers

Niche insurance offerings for motorcyclists and off-road vehicles

Mobile app accessibility

Easy-to-use website

Cons

Has more complaints than other insurance providers

Limited car insurance discounts

High insurance rates for most drivers

Policies not available in all states

Is Dairyland the right insurance company for you?

Dairyland is usually one of the best car insurance companies for:

High-risk drivers (especially those with a

DUI

)

Drivers looking for nonstandard insurance policies

Motorcycle

and off-road insurance

Remember: If you’re not looking for

high-risk car insurance

, Dairyland might not offer you the best rates. However, if you have a serious offense on your driving record and can’t find affordable insurance elsewhere, you may find a reasonably-priced policy with Dairyland.

Dairyland is available in most states and offers various insurance coverage options. However, you won’t find it in the following states:

Alaska

Hawaii

Louisiana

Massachusetts

Michigan

Montana

New Hampshire

New Jersey

New York

North Dakota

Oklahoma

Rhode Island

District of Columbia

Click on the buttons below to see the breakdown of our analysis of Dairyland’s car insurance services.

Is Dairyland car insurance expensive?

Dairyland focuses on providing car insurance for high-risk drivers who can’t find insurance elsewhere—but that does mean that the insurance can be expensive. High-risk policies cost more than insurance for drivers with a clean record, so Dairyland’s prices tend to be higher than average.

That said, the prices may still be fair for a high-risk policy. According to our survey results, 29.5% of all surveyed Dairyland reviews mentioned cost. Of those reviews, a whopping 81.9% had positive sentiments toward insurance costs, while just 13.8% were negative.

Compared to other insurance companies of a similar size, Dairyland ranked 6th overall in terms of policy cost satisfaction and scored 4.5 stars out of 5.0—substantially higher than the national average of 3.81. Here’s how Dairyland compared to the other companies in our study:

Dairyland Policy Cost Rating	Ranking	Industry Average
4.5	6	3.8

Remember: Car insurance rates vary based on individual factors, so every quote from Dairyland will differ. As with any other insurance provider, Dairyland

calculates insurance premiums

based on the following:

Age

Gender

Housing

Driving record

ZIP code

Insurance history

Driving experience

Type and

coverage requirements

and deductible

Vehicle make, model, and year

Mileage

Payment method

Although states allow auto insurance companies to use different rating factors when calculating insurance rates, there are general cost trends within each state.

Dairyland cost reviews

Check out how real Jerry users rated Dairyland based on cost.

Find real Dairyland car insurance quotes

Luckily,

Jerry

is here to help you determine if Dairyland is the right car insurance provider for you—and it’s totally free! We’ve helped millions of drivers like you

compare auto insurance quotes

from Dairyland and over 55 other insurance providers in seconds.

Here are some recent insurance quotes from Dairyland to help you best understand how your driver profile might affect the cost of a policy:

Premium (monthly)	Customer	Car	Insurance Coverage
$180	Josie, 38 Baytown, TX	Nissan Sentra S	• State Minimum Liability
$250	Mildred, 28 Goldsboro, NC	Audi A3 Premium	• 50,000/100,000 Liability • Comp / Collision
$125	Lester, 38 Wilson, NC	Toyota Camry LE	• State Minimum Liability • Comp / Collision
$93	Christian, 29 Zirconia, NC	RAM 1500 ST	• 50,000/100,000 Liability • Comp / Collision
$137	Lina, 28 Charlotte, NC	Jeep Wrangler Unlimited Sport	• 50,000/100,000 Liability • Comp / Collision

Last Updated Nov 25, 2024

Compare car insurance quotes now

Will Dairyland raise your rates?

Like all insurance providers, Dairyland can only increase your premium when your policy is

up for renewal

Some reasons you may see an increase in your insurance rates with Dairyland include:

New violations or tickets

New accidents

New location

New vehicle on a policy

New driver on a policy

Inflation

Age

According to our survey, 69.5% of drivers with a Dairyland auto insurance policy chose to renew at the end of their term.

Remember: Insurance providers often change how they price their policies, meaning it’s normal to see some variation over time—even if your driver profile remains unchanged.

Does Dairyland resolve claims fast?

Dairyland doesn’t specify a timeframe for resolving claims, but in general, most claims are resolved within seven to 14 days. However, the severity and complexity of the case can interfere with processing time, leading to a longer resolution period. Insurance providers legally have 30 days to assess your claim.

If you’re involved in an accident and need to submit a claim, you can do so online or by phone.

Dairyland customers: Log in to your Dairyland account to submit a claim online,

Non-customers: Speak to a Dairyland representative at 1-800-334-0090.

Of the respondents in our survey, 69.7% reported having filed a claim with Dairyland. Although they were ranked 12th for claims processing compared to other insurance companies of similar size, the 2.2 out of 5.0 rating for claims and resolutions suggests most Dairyland customers aren’t satisfied with the company’s claims processing, and there’s room for improvement.

Dairyland Claims Resolution Rating	Ranking	Industry Average
3.5	12	3.5

Dairyland claims reviews

Check out some of the reviews below to see how customers described their experience with Dairyland’s claims process:

Does Dairyland have good customer service?

It depends on who you ask.

Survey respondents scored Dairyland’s customer service with a shining 4.68 out of 5.0 and ranked them 4th compared to other insurance companies of similar size. Compared to the national average of 3.9 for customer service, Dairyland seems to be doing an excellent job, and customers are happy with their service.

Dairyland Customer Service Rating	Ranking	Industry Average
4.7	4	4

Highly-rated reviews about Dairyland’s customer service talked about personable agents, always willing to go above and beyond, and a quick and easy process.

However, some reviews suggest customer service from Dairyland isn’t their strong suit. Customers complain that their customer service department can be difficult to reach.

Dairyland customer service reviews

Check out how real Jerry users rated Dairyland based on customer service.

Dairyland car insurance discounts

For drivers looking to reduce costs, discounts are an easy way to save.

Car insurance discounts

from Dairyland are limited compared to some other providers—but they’re worth checking out.

Here’s a breakdown of the available discounts with Dairyland Insurance

Multi-car or multi-cycle discount: Drivers with more than one vehicle in the same household and on the same policy can get a reduced premium.

Continuous coverage discount: Stay with Dairyland for one or more years and get rewarded with a discount.

Transfer discount: Switch to Dairyland from another insurer and maintain continuous coverage for at least six months to save.

Defensive driver discount: Drivers who complete a

defensive driving course

can get a discount, although some are only for seniors.

Homeowner discount: If you own a home or rent and have

renters insurance

, you can also save on your auto insurance.

Rider Group member discount: If you’re affiliated with a rider group, let Dairyland know, and you may be eligible for a discount.

Harley Owner’s Group member discount: If you own a Harley-Davidson and are part of H.O.G., you can save on your insurance.

Payment frequency:

Pay in full

or pay often to get a discounted rate.

Advanced quote: Get a quote on your insurance at least one week before purchasing coverage to access this discount.

Anti-theft device discount: Install an alarm or opt for extra safety features in your vehicle to reduce your risk and your monthly insurance bill.

Dairyland coverage options

As with any insurer, Dairyland offers basic insurance coverage to help you meet your state’s car insurance requirements—but for drivers who want more coverage, they also provide a range of add-on insurance products for more protection.

Here’s a breakdown of Dairyland’s offering to fulfill state minimum coverages:

Liability car insurance

: Drivers can buy

bodily injury liability

and

property damage liability

to meet state-mandated requirements. These will cover the cost of damages to others in an at-fault accident up to your policy’s limit. Liability coverage is

legally required in most states

Uninsured/underinsured motorist coverage

: Required in some states, uninsured motorist coverage protects you if you’re involved in an accident with a driver who doesn’t have insurance, while underinsured motorist coverage protects you if the other driver doesn’t have sufficient insurance to pay for your damages.

Medical Payments

: Covers the cost of medical expenses or funeral costs for you and your passengers, even if you were at fault.

Personal injury protection (PIP)

: Similar to MedPay, PIP covers medical expenses associated with an accident and additional costs like rehab bills, funeral expenses, and lost wages. PIP is required coverage in

no-fault states

Dairyland’s additional tools and services

If you opt for more protection, Dairyland also provides these coverage options:

Comprehensive insurance

: Covers the cost of repairs for damage resulting from severe weather, theft, wildlife, flooding, and more.

Collision insurance

: Collision coverage will pay for your damages if you hit another car or stationary object.

Gap insurance

: If your car is totaled in an accident, gap insurance bridges the gap between the

actual cash value

of your car and the remaining balance on your loan.

Rental reimbursement

: If your car is in the shop for repairs after an approved claim, this coverage can help repay you for the cost of the rental vehicle up to certain limits.

Physical damage plus: This ensures that original manufacturer replacement parts are used to repair your motorcycle.

Roadside assistance: Having

towing and labor coverage

helps cover the costs of tire changes, towing, and more if your car or bike runs into trouble on the road.

Replacement cost coverage: This applies to motorcycles three years old or newer. This coverage pays for a new bike if yours is deemed a loss.

Special equipment coverage: This coverage will replace any special features in your vehicle, such as mods or aftermarket parts.

Non-owner insurance

: If you frequently rent or borrow a car that isn’t yours, you can add this policy for liability coverage at reduced rates.

Remember that some of these coverages are only available for motorcycle insurance plans. For example, trip interruption coverage pays for food, lodging, transportation, and other expenses if you’re in a motorcycle accident more than 100 miles from home.

MORE:

Types of car insurance: Mandatory and optional coverages explained

FAQs

How do you get a quote from Dairyland?

You can get a quote for auto insurance with Dairyland online or over the phone by calling 888-344-4357.

In what states does Dairyland sell auto policies?

Auto insurance policies from Dairyland are available in most states except for the following: Alaska, Hawaii, Louisiana, Massachusetts, Michigan, Montana, New Hampshire, New Jersey, New York, North Dakota, Oklahoma, Rhode Island, and District of Columbia.

How do you file a claim with Dairyland?

If you were involved in an accident and need to file a claim, you can do so online by logging into your Dairyland account and submitting a claim online or calling a Dairyland insurance agent at 800-334-0090.

Why is Dairyland auto insurance so expensive?

Dairyland’s car insurance rates tend to be higher than other providers primarily because its primary target market is the “non-standard” insurance market—drivers who are considered high-risk. Because insurance for high-risk drivers is more expensive, Dairyland rates tend to be higher than competitors.

Read all Dairyland car insurance reviews

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 18,000 customers surveyed and 120 carriers reviewed in the past 18 months). We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record. For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet Our Experts

R.E. Fulton

Licensed Insurance Agent —Senior Content Writer

R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.

As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.

Lina Zhang

Licensed Insurance Agent

Licensed in 50 states and Washington DC

Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.

Josh Damico

Head Of Insurance Operations

18+ Years Experience in Insurance

Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.

*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.