Dairyland Insurance Review & Complaints: Auto & Motorcycle Insurance (2023)

Dairyland Insurance is a Wisconsin-based insurer offering car insurance and motorcycle insurance products. The company offers coverage throughout most of the United States for a variety of vehicles with both four wheels and two wheels and focuses on non-standard insurance coverage markets.

Whether you want to compare Dairyland car insurance rates or see how you can get Dairyland car insurance quotes, we are here to help. Our Dairyland Insurance review has everything you need to know.

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What is Dairyland Insurance?

Dairyland was founded in 1953 in Madison, Wisconsin, as a non-standard auto insurance company offering coverage to those who had difficulty obtaining it elsewhere. In 1966 another homegrown Wisconsin insurer, Sentry Insurance, which remains the parent company of Dairyland to this day, acquired Dairyland. At this time, Dairyland auto insurance expanded into motorcycle liability insurance as well.

Dairyland, which was offering coverage in 27 states at the time of the merger, continued expansion, and in 2005 reached 43 states through a merger with Viking Insurance.

Dairyland headquarters is located in Stevens Point, Wisconsin, and any auto and motorcycle policy is offered through local independent agents.

What insurance product does Dairyland offer?

As a non-standard insurer, Dairyland is an option for any uninsured motorist who has a problematic driving record, poor credit, lack of experience, or other issues that prevent them from obtaining an insurance policy on the standard market. It writes both cheap auto insurance and standard motorcycle insurance rates.

Dairyland Auto Insurance Coverage

Are you someone with a poor driving record and have been rejected by other car insurance companies? If so, you might consider a policy from the Dairyland insurance company.

Dairyland writes coverage for those who require an SR-22, drivers with DUIs on their record, non-owner policies, and more types of high-risk drivers. Not surprisingly for a non-standard insurer, the website pushes liability coverage-only policies, but also offers full coverage options including comprehensive coverage, collision coverage, and uninsured/underinsured motorist coverage. Towing and labor, rental reimbursement, and even special equipment coverage are also options.

Dairyland offers a range of discounts, some of which are aimed specifically at the non-standard market. Discounts for obtaining a quote ahead of the start date and having previous insurance are incentives for drivers who may have had insurance problems in the past. It also offers common discounts such as multi-car and anti-theft devices.

Dairyland offers a range of payment options for its policies, including a pay-as-you-go option that features a low down payment and minimal monthly payments.

Those that live in one of the 37 states where Dairyland auto insurance is available can elect for anything from the minimally required coverage to maximum benefits when they sign up for a plan.

It is not unusual for a non-standard insurer like Dairyland to not offer some common options seen at standard insurers, such as accident forgiveness or deductible reduction.

Dairyland Motorcycle Insurance

Looking for the best motorcycle insurance? Dairyland Insurance motorcycle insurance is called DairylandCycle, and offers coverage for a wide variety of motorcycle types including touring, sport, and cruisers. It also covers mopeds and scooters. Unlike some other companies, it does not have strict limits on the brand or type of motorcycle they cover.

The basic coverage includes bodily injury liability coverage and collision, while special coverage includes optional/special equipment, replacement cost, and roadside assistance.

In addition to the basic coverage, Dairyland Cycle Insurance has multiple added value coverage options for motorcycles. These include coverage for added costs during an accident away from home, overseas temporary coverage, and rider training.

Discounts for affordable motorcycle insurance include membership discounts for rider clubs and groups, multi-policy discounts, and loyalty discounts.

What are Dairyland insurance rates?

While Dairyland does have an online quoting system, at the time of this review it was not functional. The company touts cheap, affordable car insurance, but as a non-standard insurer, it is unlikely to compete with standard insurance companies. Its insurance premiums may be competitive with other non-standard auto and motorcycle companies, but due to the lack of functionality of the quoting system, we were unable to verify this.

What are Dairyland insurance claims like?

Dairyland does not have an option for online claims reporting, but there is a 24/7 toll-free line available for reporting claims. You may also be able to use the Dairyland insurance app. For help with a claim, you can call Dairyland’s customer support number at 844-238-8535.

Unlike many insurers, Dairyland does not push a preferred repair network but instead offers to work with the chosen repair shop of the customer. This is available from every insurer, but a preferred network repair shop is usually presented as offering added benefits.

Dairyland provides a good rundown of their claims service on the website and promises fast, fair claims service. Although there is not much in the way of detail, there are a lot of promises that the process will be easy and smooth.

Some customer reviews for Dairyland indicate poor claims servicing, but these incidents seem to be the exception, not the rule.

What are Dairyland Insurance reviews and financial strength ratings?

Dairyland is a bit difficult to get a clear picture of when it comes to Better Business Bureau (BBB) ratings, an insurance rating organization, as there are multiple pages for each local branch in various states. There is no BBB page for the head office in Wisconsin, however, there is one for the parent company, Sentry. Sentry is currently not rated by the BBB, and the page states this is because the company is in the process of responding to previously closed complaints. There are 111 complaints on file in the past three years, and 32 were closed in the past 12 months.

Pissed Consumer has 97 reviews of Dairyland, with the vast majority being negative. There are repeated complaints of difficulty with canceling policies, as well as failure to pay claims.

Consumer Affairs has similar complaints on file about this company, with a total of 71 reviews adding up to a one-star overall rating.

While the complaints are not unusual in volume for a nationwide company, there are repeated complaints about the same issues, which always raises some concern. Non-standard insurers, in general, tend to have more complaints, particularly from people involved in accidents with the company’s insured drivers. That may be due to the higher-risk nature of the drivers they insure.

Dariyland Insurance Review: What’s the bottom line?

If you require non-standard insurance, choices are somewhat more limited. Therefore, Dairyland may land on your list of options. It appears to have good coverage choices and an open policy on who and what type of vehicle it will insure.

There are certainly some concerns in the complaints about this company, however, regarding its claims handling and billing practices. Checking reviews for your local Dairyland office may be helpful to the final decision, as local agents and adjusters may vary in their service approach.

Now that you know all about Dairyland Insurance, it’s time to get some quotes. Compare car insurance rates for free – just enter your ZIP code.