With over 70 years of insurance experience, Dairyland is dedicated to providing affordable coverage to drivers across 48 states. Despite not being the most well-known provider, Dairyland ranks high among car insurance companies in 2023, according to reviews analyzed by Jerry’s research team. This article offers an in-depth look at Dairyland’s offerings, including customer reviews, ratings, cost, coverage options, and more.

Dairyland Overview

Dairyland has specialized in offering affordable insurance for high-risk drivers since its founding. This includes drivers with serious or repeated traffic violations who might find it difficult to get coverage elsewhere. Dairyland provides a range of insurance products, including auto and motorcycle insurance, making it a versatile option for many.

Dairyland’s Ratings and Reviews

Jerry’s research team conducted an extensive review of Dairyland, analyzing data from over 120 insurance providers over 18 months. Dairyland was ranked 5th overall among companies of similar size and popularity. Here’s how verified Dairyland policyholders rated their insurer:

• Overall Rating: 4.3 out of 5 (524 reviews)
• 5 Stars: 58.78%
• 4 Stars: 21.56%
• 3 Stars: 13.17%
• 2 Stars: 2.86%
• 1 Star: 3.63%

Customer Feedback

Customer reviews were largely positive, with 82.75% of respondents having good things to say about Dairyland, compared to 64% positive reviews and 18.54% negative reviews on average for the industry. Common praises included affordable pricing, excellent customer service, and flexible plan features. Negative feedback often cited higher rates for certain drivers and limited availability in specific states.

Dairyland’s Insurance Cost

Cost Comparison

Dairyland focuses on high-risk drivers, which typically results in higher premiums. However, many customers find their rates fair given their driving records. Below is a comparison of Dairyland’s average rates with industry averages:

• Overall Cost Satisfaction: 4.5 out of 5 (Industry Average: 3.8)
• Cost for High-Risk Drivers: Dairyland ranked 6th overall in terms of policy cost satisfaction.

Cost Breakdown by State and Driver Profile

Insurance premiums vary significantly based on individual factors such as age, driving record, and location. Here are some recent quotes from Dairyland to illustrate how these factors influence costs:

Coverage Options

Dairyland offers a comprehensive range of coverage options to meet various needs:

Standard Coverages

1. Liability Coverage: Includes bodily injury and property damage liability.
2. Uninsured/Underinsured Motorist Coverage: Protects against accidents with drivers who lack sufficient insurance.
3. Medical Payments: Covers medical expenses for you and your passengers.
4. Personal Injury Protection (PIP): Covers medical expenses, lost wages, and more in no-fault states.

Additional Coverages

1. Comprehensive Coverage: Protects against non-collision damages like theft and severe weather.
2. Collision Coverage: Covers repairs if you hit another vehicle or object.
3. Gap Insurance: Bridges the gap between your car’s value and the remaining loan balance if totaled.
4. Rental Reimbursement: Helps cover rental car costs while your vehicle is being repaired.
5. Roadside Assistance: Provides services like towing, tire changes, and more.
6. Special Equipment Coverage: Covers aftermarket parts and modifications.

Motorcycle and Off-Road Vehicle Insurance

Dairyland offers specialized insurance for motorcycles and off-road vehicles, including:

1. Replacement Cost Coverage: For new motorcycles.
2. Guest Passenger Coverage: Covers injuries to passengers.
3. Physical Damage Plus: Ensures original manufacturer parts are used for repairs.
4. Trip Interruption Coverage: Covers expenses if you’re in an accident far from home.

Discounts

Dairyland offers several discounts to help reduce premiums:

1. Multi-Car Discount: Save by insuring more than one vehicle.
2. Continuous Coverage Discount: Rewarded for staying with Dairyland for multiple years.
3. Transfer Discount: Save when switching from another insurer.
4. Defensive Driver Discount: Available for completing a defensive driving course.
5. Homeowner Discount: Save if you own a home or have renters insurance.
6. Anti-Theft Discount: For vehicles equipped with anti-theft devices.
7. Payment Frequency Discount: Discounts for paying premiums quarterly, semi-annually, or annually.

Dairyland’s Market Position and Financial Strength

Dairyland has a strong reputation for financial stability, receiving an A+ rating from AM Best. This indicates the company’s excellent ability to meet its financial obligations and pay out claims.

Availability

Dairyland operates in 38 states but is not available in Alaska, Hawaii, Louisiana, Massachusetts, Michigan, Montana, New Hampshire, New Jersey, New York, North Dakota, Oklahoma, Rhode Island, and Washington, D.C.

Customer Reviews and Ratings

Positive Feedback

Customers appreciate Dairyland for its affordability, particularly for high-risk drivers, and its customer service. Here are a few examples:

• Charlene: “I love the Jerry app and all that it offers. I'm grateful that I have not had to make use of my Dairyland policy.”
• Stacy: “Easy to access help with online accounts, and 24/7 customer service.”
• Roy: “Everyone else wanted $300+ a month for insurance. Dairyland hooked me up for $52 a month.”

Negative Feedback

Criticism often focuses on the high cost for drivers with clean records and the limited discounts. Additionally, some customers have reported issues with the claims process and customer service availability.

Conclusion

Dairyland is a solid choice for high-risk drivers who may struggle to find affordable insurance elsewhere. With a range of coverage options and a strong focus on customer service, Dairyland provides valuable solutions for those needing specialized coverage. However, for drivers with clean records or those looking for extensive discounts, other providers may offer more competitive rates.

Frequently Asked Questions:

What types of drivers does Dairyland Insurance cater to?

Dairyland specializes in providing affordable insurance for high-risk drivers, including those with serious or repeated traffic violations who may struggle to get coverage elsewhere.

What are the average customer ratings for Dairyland Insurance?

Dairyland received an overall rating of 4.3 out of 5 from verified policyholders. About 58.78% of customers gave it 5 stars, praising its affordability and customer service.

What coverage options does Dairyland offer?

Dairyland offers a range of coverage options, including liability, uninsured/underinsured motorist, medical payments, personal injury protection, comprehensive, collision, gap insurance, rental reimbursement, roadside assistance, and special equipment coverage.

Does Dairyland offer any discounts to help reduce premiums?

Yes, Dairyland offers several discounts, such as multi-car, continuous coverage, transfer, defensive driver, homeowner, anti-theft, and payment frequency discounts to help reduce premiums.

Is Dairyland available in all states?

No, Dairyland operates in 38 states but is not available in Alaska, Hawaii, Louisiana, Massachusetts, Michigan, Montana, New Hampshire, New Jersey, New York, North Dakota, Oklahoma, Rhode Island, and Washington, D.C.