Dairyland insurance is a most popular insurer for high-risk drivers, it is known as having auto insurance coverages for a variety of vehicles like snowmobiles, cars and motorcycles. Dairyland can be a great choice for high-risk drivers, especially those looking for affordable coverage from larger providers. But affordable and better providers can be found for bike riders.
In this article we will present the Dairyland insurance average costs, customer review and experiences, coverage plan, customer satisfaction rating and reputation that will help you choose the best insurance coverage plan for your needs.
Dairyland Insurance Reviews
Dairyland Insurance companies headquartered in Wisconsin in the United States, this insurer provides insurance coverage across all states. Dairyland is well known for providing insurance policies to high-risk drivers, when other insurance companies refuse to provide coverage policies elsewhere, Dairyland offers their coverage options.
In addition, Dairyland Insurance is a unique provider needing SR-22 coverage. The company coverage options can be a lifeline for everyone who searches to find affordable insurance elsewhere and premium rates are very compatible. Their mobile and online access is very easy and they are able to get customer needs met digitally. Overall, Dairyland may be the best choice for high-risk drivers.
The US Pedia analyst team reviews assigns a score of 3.9 out of 5.0 to Dairyland Insurance. It is considered as the 28th best insurer in our ranking. Dairyland insurance has a good reputation to high-risk drivers and is available in almost every state in the USA.
Dairyland Insurance Ratings Out of 5.0
- Overall Rating — 2.9
- Reputation — 3.6
- Availability — 4.2
- Coverage — 2.9
- Cost — 3.8
- Customer Experience — 2.8
| Pros | Cons |
|---|---|
| Available extra coverage options for off-road vehicles and motorcycles | High rate than the national average |
| Better online experience | Limited coverage option than other insurers |
| A+ Financial Strength Rating from AM Best. | |
| Dairyland offers SR22 insurance for drivers with serious violence. | |
Dairyland Insurance Coverage Options
Dairyland insurance offers the six standard types of auto insurance, such as Property damage Liability coverage, Collision insurance, Comprehensive coverage, Personal injury protection (PIP), Medical payments coverage (MedPay), and Underinsured/uninsured motorist coverage (UIM/UM).
Additionally, Dairyland offers some of the non-standard coverage such as SR-22 insurance coverage option for high-risk drivers who need to demonstrate financial responsibility after serious traffic rule violation.
Bodily Injury Liability Coverage (BIL): It covers the medical expenses of other injured drivers and passengers if you are at fault in an accident.
Property damage liability coverage (PDL): This covers expenses of repairs and replacements for damage to other vehicles or liability from accidents you’ve caused.
Collision insurance: The insurance covers your vehicle damage, regardless of who is responsible for the accident.
Comprehensive coverage: Unintended factors like floods, fallen tree branches, vandalism or theft, cover this insurance coverage.
Personal injury protection (PIP): It takes care of medical expenses, death benefits or lost wages for you and your passengers with no-fault states.
Medical payments coverage (MedPay): MedPay covers medical expenses for you and your passengers of an accident, but not lost wages.
Underinsured/uninsured motorist coverage: When you get into an accident with a driver who has little or no car insurance, it takes care of your bodily injuries and property damage. It still covers if you are the victim of a hit-and-run incident.
Additional Coverage Policy Options of Dairyland Insurance
In addition standard coverage options, Dairyland insurance also has several additional policy coverage for auto insurance:
Extra equipment coverage: It covers extra aftermarket parts and other touches equipment that you’ve added to your vehicle’s own purchase.
Towing coverage: This coverage helps you get your vehicle to a repair shop after an accident.
Rental reimbursement coverage: If you are traveling without a vehicle for a certain period of time, rental reimbursement coverage helps you pay for it.
Lienholder coverage: If you lease or buy your car, before you pay it off, this coverage helps cover some of those costs. Also what if you have a low deductible and still want to save money? Will still work though.
What Vehicles does Dairyland Insurance Cover?
Whether you have vehicles other than a car, Dairyland also has options to ensure you’re covered. Below is a coverage of the company’s insurance products for off-road vehicles and motorcycles.
Off-Road Vehicle Insurance
If you have a moped, scooter, ATV, dirt bike or snowmobile, Dairyland insurance provides policy coverage to keep you protected from off-road travel. Off-road coverage is an essential extra protection to add-on for dangerous activities.
If you drive on a highway that allows four-wheeling, you may be required to have off-road additional coverage. Dairyland offers the following coverage options for off-road vehicles:
- Liability coverage
- Collision coverage
- Comprehensive
- Medical expense
- Guest passenger
- Submersion insurance
- Personal injury protection
- Enhanced permissive use
- Transport trailer coverage
- Uninsured motorist coverage
- Optional/special equipment
In addition, Dairyland offers some different discounts for off-road insurance coverage, but not all of these discounts are available for any type of vehicle, and they vary based on where you live.
Dairyland Motorcycle Insurance
Dairyland offers best of the motorcycle insurance for a collection of different bikes, including sports, towing and cruisers bikes. Dairyland offers the following coverage options for motorcycles:
- Liability
- Collision
- Comprehensive
- Roadside assistance
- Replacement cost coverage
- Optional/extra equipment coverage
Dairyland also has a lot of discounts for motorcycle insurance customers who have multiple bikes or a house and who are members of the Harley Owners Group.
Average Cost of Dairyland Insurance
Dairyland offers competitive premium rates for high-risk drivers by insurers. These drivers will have multiple speeding tickets, at-fault accidents or DUI convictions on their driving record. Since most high-risk drivers often find it difficult to find insurance from other providers in the market, Dairyland can be a best option.
Currently, the national average cost for a 6 month auto insurance coverage policy is $880. Dairyland is about roughly 193% more expensive than a typical policy. So there is definitely not one of the affordable car insurance options available.
See how Dairyland Auto Insurance compares to other top insurers in the table below:
| Company | Average Monthly Cost |
|---|---|
| Dairyland | $429 |
| USAA | $114 |
| Nationwide | $123 |
| State Farm | $131 |
| Progressive | $157 |
| Allstate | $201 |
Like most of the insurance providers, Dairyland auto insurance cost does vary based on driver age and generally the older you will be the cheaper the insurance rates. The table details below to see auto insurance premiums rate by driver age.
Dairyland Insurance costs by driver age
| Age | Average Monthly Cost |
|---|---|
| 18 | $981 |
| 20 | $609 |
| 30 | $439 |
| 40 | $428 |
| 50 | $378 |
| 60 | $371 |
Dairyland Car Insurance Discounts
Dairyland may be an expensive insurance for some vehicle owners, one positive is its choice of car insurance discounts to help cheapest premiums. You can see the list of Dairyland discount factors below:
- Multi-vehicle discount: Insured than one more vehicle with Dairyland insurance, it can help you get a low premium rate to save money.
- Advanced quote discount: It applies to your insurance policy premium if you take an insurance quote at least a week in before or when you issued insurance.
- Transfer discount: If you already buy an insurance policy from another insurer for at least 6 months, however, you could save money when you switch to the Dairyland insurance option.
- Payment frequency discount: If you pay three month, six month or annually instead of paying monthly premiums. Therefore you may qualify for a discounted rate.
- Homeowners discount: If you are a homeowner, you can get some money back to the existing homeowner insurance policy, even if it is available in some states for renters.
- Defensive driving discount: If you’ve recently completed a defensive driving course from an authorized institute, you can get an auto insurance discount.
- Anti-theft discount: If you are securing your vehicle with a digital anti-theft alarm device, you may be eligible for a discount.
Methodology
Auto insurance policyholders rely on us for accurate information, so we followed an extensive rating process to create an overall ranking summary for Dairyland Insurance. We collected data on one hundred consumers of Dairyland auto insurance to rank the insurer on a wide range of grading factors. The final result was an overall rating of Dairyland, according to coverage policy, average cost and discounts factors.
Here are some of the factors of our ratings and cost take into account:
- Coverage: Dairyland Insurance offers a variety of affordable coverage options with the aim of meeting the needs of its customers and meeting their needs.
- Cost: Both dairyland insurance premium rate estimates and discount opportunities were taken into consideration by QIS (Quadrant Information Services).
- Reputation and experience: Our analysis team considered market share, ratings from BBB, AM Best and years in business when creating this score.
- Availability: Dairyland Insurance is one of the highest-scoring providers in the availability category across all states.
- Customer Experience: We based our final results on the complaint volume reported by the NAIC and the customer satisfaction rating reported by J.D. Power for Dairyland Insurance rating grades. We considered the responsiveness of customer service, the time it took to complete any process, helpfulness, and friendliness.
FAQ of Dairyland Insurance
Is Dairyland Insurance legit?
Yes, Dairyland is a legitimate vehicle insurance provider that offers coverage options for a variety of vehicles, motorcycles and more.
Is Dairyland insurance good?
Dairyland is a good insurance coverage option for high-risk drivers and those needing SR-22 coverage, although premium rates are relatively higher than other providers.
Is Dairyland insurance cheap?
The average cost of Dairyland Insurance premiums may seem a bit higher than some other insurance providers. However, everybody should always compare quotes from multiple insurers of need and choose an affordable coverage plan that can make your rate vary greatly from average monthly or annually rates.
What states have Dairyland insurance?
Dairyland insurance available in all the states of U.S.
Writer
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Rezaul Karim the chief editor for The FlashGhor.com. I completed my MBA in 2012 from Eastern University in America. After serving for nearly 5 years as executive editor for the HUB International, where I worked alongside policy professionals and aspiring insurance specialists.
Before that I worked as a columnist at the Arch Insurance company and served as an intern on the Customer Support Executive at Barmer in Germany. I want to share my energy and experience to help those who want to get insurance.
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