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Dairyland Insurance Review 2021
Dairyland Insurance is a Wisconsin-based company that specializes in covering drivers with bad driving records. It is a non-standard insurance provider that charges substantially higher rates due to their clientele’s driving statuses.
Dairyland Insurance provides auto and motorcycle coverage for drivers who can’t acquire insurance from other companies. Most of their clients have been involved in an accident, had traffic-related violations, and/or DUI convictions. If you are a high-risk who have been searching for a reliable insurance company to cover you, Dairyland Insurance may be the right fit for you.
Dairyland reviews and ratings
- Customer satisfaction ratings are average.
- Gets fewer complaints to state regulators regarding home and auto insurance than other companies relative to its size.
- Offers rideshare insurance in most states.
Dairyland Auto Insurance Rating
3.5
Dairyland Auto Insurance garnered a 3.5-star rating based on its overall performance for covering high-risk drivers. The rating was based on the pricing, perks, discounts, ease of filing and completing a claim, transparency, financial stability and complaints acquired from National Association of Insurance Commissioners.
Dairyland Auto Insurance Special Coverages
| Dairyland Coverage | Description |
|---|---|
| Special Equipment Coverage | Dairyland will pay for the damages of your custom parts you installed in your car. |
| Lienholder Policy | Dairyland shoulders the damages of a bank-owned car’s customised parts after an accident |
| Non-Owner Insurance Policy | Dairyland offers coverage for those who have been in an accident while driving somebody else’s car. This kind of policy typically does not fall under a primary policy. This kind of coverage is ideal for those who do not own a car but drives sparingly or in need of an SR-22. |
Dairyland Auto Insurance Perks and Discounts
- Multi-car Ownership
- Early Bird Discount (acquiring a quote a week before the policy expires)
- Anti-theft Installation Discount
- Homeowners Discount
- Safety Course Completion Discount
Dairyland Motorcycle Insurance
Dairyland insurance is one of the few that offers motorcycle coverage in the country. It extends collision, body injuries, property damage liability, personal injury, and uninsured motorist coverage.
Dairyland Motorcycle Insurance Coverage
| Dairyland Motorcycle Insurance Coverage | Description |
|---|---|
| Replacement Cost Coverage | Dairyland would pay for the replacement of your bike if it happened to get wrecked during the accident. However, this coverage is only available to a motorcycle that is three years old and less. |
| Guest Passenger Coverage | Dairyland will pay for the treatment of the passenger’s injury while riding your bike. |
| Physical Damage-Plus Coverage | Dairyland pays for the repair of your damaged motorcycle with manufacturer parts |
| Roadside Assistance | Dairyland provides towing and other emergency services if your motorcycle breaks down during your commute. |
Dairyland Insurance Perks and Discounts
- Rider Course Discount
- HOG (Harley Owners Group) Discount
- Rider Group Discount
- Transfer Discount (acquisition of Dairyland coverage before becoming a client)
- Loyalty Discount
- Homeowner’s Discount
- Multicycle Ownership Discount
Dairyland Insurance Complaints
Dairyland Insurance garnered a lot of complaints relative to the size it caters relative to its auto and motorcycle coverages. Also, the lack of online tools which made it quite inconvenient for its clients to transact. However, dairyland has an application designed to allow clients to pay bills online, receive notifications, and access the client’s account information.
Dairyland Client Satisfaction Pros and Cons
| PROS | CONS |
|---|---|
| Dairyland insures high-risk drivers. | Dairyland charges expensive rates in contrast to other insurance companies. |
| Dairyland offers free SR-22 to most of its clients. | Dairyland is not available in all states. |
| Dairyland is one of the few that offers motorcycle coverage. | Dairyland acquired more complaints than most of the insurance companies that have the same size. |
Insurance Online Car Insurance Rating and Review Methodology
We commend every insurance company that extends value to customer-first features and operations. The rating we disclose is assessed through weighted averages and scores from several categories: financial stability, customer complaints and satisfaction, transparency of their digital platforms, and competitive pricing.
Moreover, we conduct customer satisfaction surveys to extensively provide reviews and ratings that are dependable and fair. However, it is best to compare several insurance companies to account for your judgment and needs.
*Insurance Online is not compensated with our ratings and reviews by any insurance companies.
Insurance Online Complaints Methodology
We examine the complaints from state insurance regulators that are reported to the National Association of Insurance Commissioners (NAIC) between 2017-2019. NAIC extensively calculates the complaint index yearly following each subsidiary to measure the company size’s total share of complaints in ratio.
Dairyland Auto and Motorcycle Insurance FAQs
Does Dairyland offer a discount for completing a safety training course?
Yes. Dairyland offers a discount to those who complete a safety training course along with other perks and discounts they offer.
Is it possible for me to insure my moped scooter with Dairyland?
Yes. Dairyland accepts coverage applications for moped or scooters, and it is less expensive than regular motorcycles.
What is the most affordable offer does Dairyland has?
Dairyland has several discounts and perks to choose from. You can choose the ones the fits your unique driver profile.
Sandra Cruz | Linkedin
Based in Newport Beach, CA, Sandra has been a licensed insurance agent in California and Texas for 5 years and is an editor and writer specializing in all types of insurance matters. Sandra is Insurance Online's authority on auto, home, and business insurance and has been featured in publications such as Forbes, Yahoo! Finance, and US World News Report.