Dairyland Car Insurance Review 2025

Dairyland is an insurance company that specializes in insurance for drivers who may have “high-risk” or “non-standard” car insurance needs. This insurer can file SR-22s on behalf of drivers and offers a handful of discounts, but rates may be high for some drivers.

Although Dairyland isn’t the largest insurance provider and may charge higher-than-average rates for some customers, they’re among the top choices for “high-risk” or “non-standard” car insurance. Dairyland has specialized in coverage for high-risk drivers since it was founded. Drivers who typically can’t get coverage elsewhere due to serious or repeated traffic violations may be eligible for insurance with Dairyland.

Pros: 

• Mobile app.
• Fast response times.
• Can offer SR-22 for most drivers.

Cons:

• Expensive rates for some drivers.
• Many customer complaints.

Is Dairyland the right insurance company for you?

Dairyland is a top choice for drivers who:

• Are considered “high-risk” by insurers (especially those with a DUI).
• Want nonstandard insurance policies.
• Need motorcycle or off-road coverage.

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 record and can’t find affordable insurance elsewhere, you may find a policy with Dairyland.

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 3.5% gave negative reviews. Compared to the national average of 64% positive reviews and 18.54% negative reviews, Dairyland performed well with customers.

Is Dairyland car insurance expensive?

Dairyland provides car insurance for high-risk drivers who can’t find insurance elsewhere, but keep in mind that high-risk policies cost more than insurance for drivers with a clean record, so Dairyland’s prices may be higher than average.

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, coverage requirements and deductible.
• Vehicle make, model, and year.
• Mileage.
• Payment method.

Find real Dairyland car insurance quotes

Here are some recent insurance quotes that Jerry customers have received from Dairyland.

Does Dairyland resolve claims fast?

Dairyland doesn’t specify a timeline for resolving claims, but most insurance claims are resolved within seven to 14 days. 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.

Dairyland has an A+ financial strength rating from AM Best, meaning it has an excellent ability to pay out claims.

How Jerry customers rate Dairyland

Here’s how hundreds of Jerry customers who have used and Dairyland rate the insurer.

Dairyland car insurance discounts

Dairyland offers fewer discounts than some of its competitors, but if you qualify, you may still see savings.

These are Dairyland’s discounts:

• Multi-car 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.
• Motorcycle group member discount: If you’re affiliated with a rider group, let Dairyland know, and you may be eligible for a discount.
• Harley-Davidson owner discount: If you own a Harley-Davidson and are a member of Harley Owners Group, you can save on your insurance.
• Advanced quote: Get a quote at least one week before purchasing coverage to access this discount.
• Anti-theft device discount: Install an alarm or opt for anti-theft features on your vehicle to save on policy costs.

Dairyland coverage options

As with any insurer, Dairyland offers basic insurance coverage to help you meet your state’s car insurance requirements. Policyholders can also add one or more of the insurer’s optional coverages 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 the minimum state 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 (UM/UIM): 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 (MedPay): 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 also provides these optional coverage options: 

• Comprehensive insurance: Covers the cost of repairs for damage resulting from severe weather, theft, wildlife, flooding and more.
• Collision insurance: Collision coverage pays to repair your vehicle 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: This coverage reimburses you for the cost of a rental vehicle up to certain limits while your vehicle is being repaired after a covered accident. 
• 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 motorcycle 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.

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.