Struggling to find affordable car insurance because of a less-than-perfect driving record? You’re not alone. High-risk drivers often face sky-high premiums or outright rejections from standard insurers. That’s where Dairyland Insurance steps in, offering specialized coverage for drivers who need a lifeline.

But is Dairyland the best option for you? In this in-depth review, we’ll explore Dairyland’s coverage options, customer feedback, pricing, and discounts to help you decide. Plus, we’ll show you how to compare quotes to ensure you’re getting the best deal possible.

Who Is Dairyland Insurance?

Dairyland Insurance, founded in 1953 and based in Wisconsin, isn’t your typical insurance provider. Unlike mainstream companies, Dairyland specializes in high-risk auto insurance and motorcycle insurance, serving drivers in 38 states who might otherwise be turned away. If you need SR-22 coverage to reinstate your license or have a spotty driving record, Dairyland could be your solution.

Why Choose Dairyland?

• Specialized Coverage: Focuses on high-risk drivers, offering SR-22 filings when others won’t.
• Long-Standing Reputation: Over 70 years in business with a strong financial foundation.
• Available in 38 States: Wide reach for non-standard insurance needs.

However, their specialization comes at a cost—premiums are often higher than the national average. Before committing, visit FreeAdvice.com to compare quotes from top providers in your area and see if Dairyland is your best bet.

Dairyland’s Coverage Options

Dairyland offers a range of coverage options to meet the needs of high-risk drivers. Here’s a breakdown:

Standard Coverage

• Liability Insurance: Covers damages or injuries you cause to others in an accident.
• Collision Coverage: Pays for repairs to your vehicle after an accident, regardless of fault.
• Comprehensive Coverage: Protects against non-collision events like theft or natural disasters.
• Full Coverage: Combines liability, collision, and comprehensive for maximum protection, averaging $237/month.

Additional Coverage

• Uninsured/Underinsured Motorist Protection: Covers you if you’re hit by a driver with insufficient or no insurance.
• Personal Injury Protection (PIP): Pays for medical expenses after an accident, regardless of fault.
• Medical Payments (MedPay): Covers medical costs for you and your passengers.

Add-Ons for Extra Protection

Dairyland’s add-ons are limited but practical for high-risk drivers:

• Custom Parts Coverage: Up to $1,000 for non-standard car parts.
• Roadside Assistance: Includes towing and emergency repairs.
• Rental Reimbursement: Provides $25/day (up to $750) for a rental car if your vehicle is in the shop.

Pro Tip: Only add coverage you need, as extras can increase your premium. Use FreeAdvice.com’s quote tool to compare rates and find the most cost-effective options for your situation.

How Does Dairyland’s Pricing Stack Up?

Dairyland’s focus on high-risk drivers means higher premiums compared to standard insurers. Here’s how they compare:

• Minimum Coverage:
  • National Average: $45/month
  • Dairyland: $85/month
  • Competitors: USAA ($22/month, military only), Geico ($30/month), State Farm ($33/month)
• Full Coverage:
  • National Average: $119/month
  • Dairyland: $237/month
  • Competitors: USAA ($59/month, military only), Geico ($80/month), State Farm ($86/month)

Choosing Geico over Dairyland for minimum coverage could save you $660/year, while full coverage could save $1,400/year. However, if your driving record limits your options, Dairyland’s willingness to cover high-risk drivers may outweigh the cost.

Factors Affecting Your Rate

Your exact premium depends on:

• Driving history (accidents, DUIs, tickets)
• Location (state regulations and risk factors)
• Vehicle type and coverage level
• Credit score (in some states)

To find the lowest rates, use FreeAdvice.com’s free quote tool to compare personalized quotes in minutes.

Customer Reviews and Reputation

Dairyland’s financial stability is impressive, earning an A+ rating from AM Best and an A+ from the Better Business Bureau (BBB), indicating strong customer service and reliability. However, customer feedback tells a mixed story.

The Good

• Reliable for High-Risk Drivers: Dairyland’s SR-22 and non-standard coverage options are a lifeline for those denied elsewhere.
• Strong Financial Backing: AM Best’s A+ rating ensures they can pay claims.

The Bad

• High Complaint Ratio: The National Association of Insurance Commissioners (NAIC) gives Dairyland a complaint ratio of 4.42 (national average is 1.0), meaning they receive four times more complaints than average. Common issues include billing disputes and claim delays.

What This Means

While Dairyland is financially sound, their higher-than-average complaints suggest customer service inconsistencies. Weigh these pros and cons and compare quotes at FreeAdvice.com to ensure you’re making an informed choice.

Dairyland’s Discounts: Save on High Premiums

Dairyland offers several discounts to help offset their higher rates:

• Early Sign-Up Discount: Save 10% by enrolling early.
• Multi-Vehicle Discount: Insure multiple cars for up to 25% off.
• Homeowner Discount: Homeownership signals responsibility, earning you savings.
• Loyalty Discount: Stay with Dairyland for 6+ months to unlock additional discounts.
• Anti-Theft Device Discount: Equip your car with anti-theft devices for a premium reduction.
• Pay-in-Full Discount: Pay your policy upfront to save on monthly fees.

Combining these discounts can make Dairyland more affordable, but shopping around is key. Visit FreeAdvice.com to compare rates and find the best deal tailored to your needs.

Summary

Dairyland Insurance is a solid choice for high-risk drivers needing SR-22 filings or coverage after being rejected by standard insurers. Their offerings include liability, collision, comprehensive, and useful add-ons like roadside assistance and rental reimbursement. However, premiums are significantly higher than the national average ($85/month for minimum coverage vs. $45/month nationally), and their NAIC complaint ratio of 4.42 suggests customer service challenges. To ensure you’re getting the best value, compare quotes from multiple providers using FreeAdvice.com’s free quote tool.

FAQs

Who is Dairyland Insurance best for?

Dairyland is ideal for high-risk drivers needing SR-22 coverage or those with poor driving records who can’t secure insurance elsewhere.

Why are Dairyland’s premiums higher than average?

Dairyland specializes in high-risk drivers, which involves greater financial risk, leading to higher premiums compared to standard insurers like Geico or State Farm.

What coverage options does Dairyland offer?

Dairyland provides liability, collision, comprehensive, uninsured/underinsured motorist protection, personal injury protection, and add-ons like roadside assistance and rental reimbursement.

How can I save money with Dairyland?

Take advantage of discounts like early sign-up (10% off), multi-vehicle (up to 25% off), homeowner, loyalty, anti-theft devices, and paying in full.

How do I compare Dairyland with other insurers?

Use FreeAdvice.com’s free quote tool to compare personalized rates from top providers in your area.

Call to Action

Don’t let high premiums or a tough driving record hold you back. Join our online community for expert tips, insurance advice, and the latest updates to help you save on car insurance. Connect with us on Telegram, WhatsApp, YouTube, and Facebook to stay informed and make smarter insurance choices.

Join us on Telegram and WhatsApp and chat below 👇👇

Check out full guides here:
Paddedvibez Blog 👇
Get full updates:
Minsjohnfrancis Blog 👇
WhatsApp Chat 👇
Group: Join Our Community 👇
Patreon: Support Us 👇
Download our App: Get It Here 👇
Telegram: Join Our Channel

Follow the Paddedvibez channel on WhatsApp: Join Now

Facebook: Follow Us

Follow us on:
WhatsApp Channel: Join Now
Telegram: Join Our Channel
YouTube: Subscribe
Facebook Page: Follow Us

Related posts:

How To Start Profitable Blog That Makes Money in 2025 The Best Motorcycle Insurance: Why I Chose Dairyland Insurance for My Bikes American Collectors Insurance Review – Are Their Insurance Rates Competitive? (Is It Worth It?) First Chicago Insurance Review: Is It the Right Choice for Your Auto Insurance Needs?

DROP A REVIEW AND WIN A PRIZE TODAY:

Justina Sunday

February 6, 2025

I had zero experience with digital marketing, but PaddedVibez turned my small blog into a revenue-generating platform. Their strategy is hands-on, effective, and tailored to my needs. I couldn’t be happier with the results!

Mohamed

February 6, 2025

Incredible transformation! PaddedVibez helped me elevate my online presence. The SEO strategies they implemented boosted my website traffic and sales beyond expectations. Highly recommend them for anyone looking to grow their business online!