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

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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.

Ready to see some numbers before you get into the Dairyland insurance review below? Enter your ZIP code below to get free car insurance quotes. Comparing quotes is the best way to get cheaper auto insurance.

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.

Dairyland Insurance Claims Process

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

Dairyland Insurance offers multiple convenient methods for filing claims. Policyholders can initiate a claim online through their user-friendly website, providing essential details about the incident for quick processing.

Additionally, claims can be reported over the phone via their 24/7 toll-free helpline, ensuring assistance is available at any hour. For those who prefer digital interactions, Dairyland Insurance likely provides a mobile app that enables seamless claims reporting, adding an extra layer of convenience.

Average Claim Processing Time

Dairyland Insurance prioritizes prompt claims processing. While specific processing times depend on the nature of the claim, Dairyland Insurance commits to a smooth and timely resolution. Their dedicated claims team works diligently to assess claims, aiming to minimize delays and provide policyholders with swift responses.

Customer Feedback on Claim Resolutions and Payouts

Dairyland Insurance values customer feedback as an essential tool for continuous improvement. While occasional challenges might arise, Dairyland Insurance actively listens to customer experiences, aiming to enhance their claims process based on valuable insights.

By staying responsive to customer concerns, Dairyland Insurance continually refines its claims procedures to better serve its policyholders.

Digital and Technological Features of Dairyland Insurance

Mobile App Features and Functionality

Dairyland Insurance’s mobile app offers a user-friendly interface and intuitive features. Policyholders can easily manage their insurance policies on-the-go, from filing claims to reviewing policy documents. The app likely includes functionalities for real-time policy updates, allowing customers to stay informed about their coverage status with just a few taps.

Online Account Management Capabilities

Dairyland Insurance provides a robust online platform where policyholders can access their accounts securely. Through this portal, customers can view policy details, track payment history, and update personal information. The online account management system likely offers a streamlined experience, ensuring that policyholders have easy access to essential information whenever they need it.

Digital Tools and Resources

Dairyland Insurance equips policyholders with a variety of digital tools to aid in decision-making. These tools may include insurance calculators, allowing customers to estimate premiums based on different coverage options.

Additionally, interactive resources such as FAQs and educational materials are likely available online, providing valuable insights into insurance-related topics and helping customers make informed choices about their policies.

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.