Dairyland Car Insurance Review 2025

Dairyland Car Insurance Review

3.8

Jerry’s Score

Our Take

Dairyland offers a range of auto insurance options in most states, even for high-risk drivers or those who struggle to purchase coverage elsewhere. While this insurer isn’t ranked by J.D. Power, it boasts top consumer reviews through Jerry and Trustpilot.

Pros

• Available to “high-risk” drivers, including those who need SR-22 and FR-44 certificates.
• Policies for Mexico drivers.

Cons

• Not available in all states.
• More consumer complaints than expected in recent years.

Jerry rates Dairyland 3.7 stars out of 5. This score is slightly above average compared to other insurers that Jerry rates and takes into account the insurer’s pricing, industry ratings, the company’s financial strength, customer ratings and national complaint data.

Dairyland is licensed to sell auto, motorcycle, RV, and off-road insurance to drivers in 49 states (excluding California) as well as DC and Mexico. In addition to specialized coverage options like non-owners insurance, gap coverage and roadside assistance, Dairyland offers a number of discount opportunities. Drivers can save on premiums by insuring multiple cars, bundling other coverage, getting a Dairyland quote at least a week before you need coverage and paying your premium up front. 

Dairyland serves a wide range of customers, including drivers who are considered “high-risk.” Drivers who may struggle to purchase coverage elsewhere — like those who have had lapses in coverage, require an SR-22 certificate, or have a DUI conviction or other repeated traffic offenses — may qualify for insurance with Dairyland.

Dairyland customers can purchase a policy online, over the phone, or in person with an independent agent.

Who is Dairyland best for?

Dairyland may be an ideal choice for drivers who:

• Need an SR-22 certificate or are considered “high-risk.”
• Want unique insurance options including lienholder policies or special equipment coverage.
• Prefer to manage their account online or via a mobile app.

Even if you think Dairyland might be the right insurer for you, it’s wise to compare quotes from multiple insurers in order to find the best coverage at the lowest possible price.

How much does Dairyland car insurance cost?

The average cost for the state-mandated minimum car insurance coverage with Dairyland is 7.8% lower than the national average, according to our analysis of over 400,000 policies quoted to real Jerry customers from 24 unique insurers.

Your premium is determined by a number of factors, including your age, location, the type and age of vehicle you drive, your driving record, other drivers on your policy, and the amount of coverage you want.

Dairyland car insurance rates

Here’s a look at Dairyland’s car insurance rates quoted for real Jerry customers:

Dairyland car insurance discounts

Dairyland offers a number of discounts that can save you money on your car insurance premium. Policyholders can lower their rates by:

• Adding an anti-theft device to your vehicle.
• Insuring multiple vehicles.
• Bundling your auto insurance with a homeowners or renters policy.
• Paying your premium quarterly, every six months or annually.
• Completing a defensive driving course.
• Getting a quote at least one week before you need coverage to start.
• Transferring coverage from another insurer that you’ve been with for six months or more.

Dairyland car insurance coverage options

Dairyland offers standard coverage types including collision, comprehensive, bodily injury liability, property damage liability, medical payments, personal injury protection and uninsured/underinsured motorist coverage.

• Coverage definitions

  Coverage	Definition
  Collision insurance	An optional coverage type that pays to repair or replace your car if it’s damaged in a collision with another vehicle. You can only file an accident-related claim for your vehicle’s repairs if your policy has collision coverage.
  Comprehensive insurance	An optional coverage type that covers damage to your vehicle caused by non-collision hazards, such as car theft, falling tree branches, hail and other unexpected events.
  Bodily injury liability (BI)	Pays others’ medical costs in an accident you cause, up to your policy limits. It’s mandatory in most states.
  Property damage liability (PD)	Pays for repairs or replacements of any vehicles or objects you damage in a crash, up to your policy limits. It’s mandatory in most states.
  Personal injury protection (PIP)	Helps cover medical expenses for you and your passengers after a car accident, regardless of who caused it. This is required in some states.
  Medical payments	Additional coverage outside of PIP that pays for medical care for you and your passengers after an accident, regardless of who caused it. This is optional in most states.
  Uninsured/underinsured motorist coverage (UM/UIM)	Covers you, your passengers and any property damage in a case where the other driver is at fault but doesn’t have insurance, or carries insufficient coverage to pay for your costs. This is required in some states.

Dairyland also offers the following optional coverages:

• Non-owner insurance for drivers who frequently borrow or rent vehicles but don’t own a car, or drivers who don’t own a car but are required to maintain an SR-22 or FR-44 certificate.
• Gap coverage, also known as loan/lease payoff insurance, which covers the difference between what you owe on a financed or leased vehicle and what it’s worth if stolen or totaled.
• Rental car reimbursement covers the cost of a rental car while your vehicle is being repaired.
• Roadside assistance pays for on-the-road help, such as towing and lock-out services, tire changes and fuel delivery.

Industry ratings of Dairyland car insurance

Dairyland received an average number of consumer complaints and has a Superior AM Best financial strength rating.

• NAIC details

  From 2021 to 2023, Dairyland has received an average or moderately high complaint index on private passenger policies from the National Association of Insurance Commissioners (NAIC). This means that for its size and market share, Dairyland received roughly as many consumer complaints as was expected, or only slightly more.

  Qualitative rating	3-year consumer complaint index
  High	Above 1.5.
  Moderately high	1 to 1.5.
  About average	Near 1.
  Moderately low	1 to 0.5.
  Low	0.5 to 0.

  The NAIC is the member group for state insurance commissioners in the United States. It makes recommendations, analyzes insurer financial filings, maintains reporting and more for insurance regulators.

• AM Best details

  AM Best gives Dairyland a financial strength rating of A+ (Superior), meaning it is expected to remain financially solvent and maintain its ability to pay out claims to customers.

  AM Best is a credit rating agency that specializes in insurers’ ability to meet their financial obligations.

Dairyland auto insurance customer reviews

Hundreds of Jerry customers who have used and reviewed Dairyland’s auto insurance have rated the company well.

How to contact Dairyland

Policyholders can manage their accounts and file claims online. Prospective customers can get a quote via the insurer’s website or a local agent. If you prefer to speak to a representative, here are the insurer’s phone numbers and hours of operation. 

Get a quote: Call 888-344-4357. Representatives are available Monday through Friday from 6 a.m. to 9 p.m. CT and Saturday from 7 a.m. to 6 p.m.. 

Customer service: 800-334-0090.

File a claim: 800-334-0090. Claims can be filed 24/7.

Methodology

We looked at over 400,000 actual policies quotes from real Jerry customers during 2024 across 24 different insurance companies. The pricing data included both those with clean driving records as well as those with a violation. 

How we rate car insurance companies

Jerry’s team of car insurance expert writers and editors analyze real customer ratings and industry reports to get a holistic view of an insurer’s performance. Our rubric emphasizes the shopping and claims experiences, customer complaints and reviews, repair shops’ evaluations of insurers, policy and quote pricing, and state availability.

We regularly reassess insurers’ star ratings and fact-check these reviews to ensure they’re accurate and up-to-date.
These individual factors roll up into one weighting system as follows:
20% Financial strength.
20% Complaints.
20% Industry ratings.
20% Customer ratings.
20% Cost and discounts.