Updated: December 16, 2025
Advertising & Editorial Disclosure
Dairyland ranks 34th for full coverage affordability and 32nd for minimum liability coverage with average rates of $239 and $95 monthly respectively.
Dairyland earns 17th place nationwide for overall customer satisfaction, standing out due to strong agent service and positive forum reviews from policyholders.
Curious what real customers think? We collected reviews from multiple platforms to show actual policyholder experiences. Read More.
Dairyland ranks 33rd overall among car insurance companies, placing it outside the range of top-performing insurers. It has good coverage options and customer experience, earning 10th and 17th place, respectively.
The best car insurance companies vary based on individual driver profiles, making it essential to compare quotes from multiple providers.
| Overall Score | 3.64 | 33 |
| Customer Experience | 4.35 | 17 |
| Coverage | 3.33 | 10 |
| Affordability | 3.33 | 34 |
Our Dairyland rating incorporates quote comparisons across driver profiles, coverage evaluations and satisfaction data as detailed in our research methodology. Direct feedback from policyholders who've filed claims and managed renewals offers critical perspective on day-to-day experiences.
Analyzing customer sentiment reveals a clear pattern in policyholder experiences. Drivers value Dairyland's accessibility for high-risk profiles including those with DUIs or poor credit who face rejection elsewhere, same-day SR-22 filing that gets suspended licenses reinstated quickly and patient customer service representatives who explain options without high-pressure sales tactics, yet numerous complaints highlight relentless premium increases averaging 30% to 60% at each six-month renewal despite clean driving records, disputed claim denials where the company refuses coverage for incidents that appear clearly covered under policy terms and persistent billing mistakes including duplicate charges and collection threats for amounts customers don't actually owe.
Here's what real MoneyGeek users are saying about their experience with Dairyland, from the encouraging to the concerning.
★★★★★ (5 stars) | Posted by SecondChanceDriver "After my DUI most companies wouldn't even quote me or wanted like $500 a month. Dairyland gave me coverage for $180 which was way more reasonable. They filed my SR-22 same day and got me back on the road. Been with them eight months now and haven't had any issues. Customer service has been helpful when I've called." |
★★★★ (4 stars) | Posted by MotorcycleJoe "Got my bike insured through Dairyland and the whole process took like 15 minutes online. Agent was super friendly when I called to ask questions. Rates aren't the absolute cheapest but they're fair considering my record isn't perfect. Haven't filed a claim yet but signup was easy and they answer the phone when you call." |
★★★★★ (5 stars) | Posted by BudgetShopper99 "Needed insurance ASAP and Dairyland came through. The rep I spoke with was patient and explained all my options without being pushy. Got coverage the same day for a price I could actually afford. They worked with me on the down payment too. Really appreciate that they gave me a chance when other places turned me away." |
★★★★★ (5 stars) | Posted by SR22Approved "Needed SR-22 filing after a DUI and Dairyland got me covered quickly. The agent didn't judge me and explained everything clearly. Rates were reasonable given my situation." |
★★★★★ (5 stars) | Posted by SecondChanceInsured "Had my license suspended and struggled to find coverage. Dairyland approved me when three other companies turned me down. Finally able to drive legally again." |
★★★★★ (5 stars) | Posted by AffordableHighRisk "As a high-risk driver, my options were limited and expensive. Dairyland's rates were the most affordable I found. Been with them a year and service has been fine." |
★★★★☆ (4 stars) | Posted by PaymentPlanFlexible "Dairyland worked with me on a payment plan I could actually afford. Most companies wanted huge down payments but they broke it into manageable monthly chunks." |
★★★★☆ (4 stars) | Posted by QuickPolicySetup "Got insurance set up in one phone call. The agent was efficient and got me covered same day so I could register my vehicle. Appreciated the quick turnaround." |
★★★★☆ (4 stars) | Posted by NoJudgment "Dairyland didn't make me feel bad about my driving record. The agent was professional and focused on getting me the coverage I needed. Refreshing after being rejected elsewhere." |
★★★★☆ (4 stars) | Posted by MotorcycleCoverage "Got motorcycle insurance through Dairyland and rates were competitive. Filed a small claim for bike damage and they handled it without hassle. Happy with the experience so far." |
★ (1 star) | Posted by RateHikeVictim "Started at $150 a month which was fine. Then every six months they jack up the rate for no reason. Now I'm paying $240 and I haven't had any tickets or accidents. Called to ask why and they just said rates go up. Total scam, they hook you with low rates then bleed you dry." |
★★ (2 stars) | Posted by ClaimDenied2024 "My son had an accident and they're refusing to pay even though we have liability coverage. Keep saying he wasn't covered but we've been paying $190 a month for nine months. Now the other driver is coming after us and Dairyland is nowhere to be found. Getting a lawyer involved because this is ridiculous." |
★ (1 star) | Posted by BillingNightmare "They tried to charge me double after saying they put in the wrong zip code. I refused to pay their mistake and they threatened to send me to collections. Even after I canceled they kept trying to bill me. Had to file a complaint with the state insurance department. Stay far away from this company." |
★★☆☆☆ (2 stars) | Posted by RenewalShock "My rate was $120 a month for six months then jumped to $210 at renewal. That's a 75% increase with no new violations or accidents. Feels like a bait and switch tactic." |
★★☆☆☆ (2 stars) | Posted by ClaimDenialRun "Filed a comprehensive claim and Dairyland denied it saying the damage was pre-existing. It absolutely was not. Appealed twice and they still refused to pay. Had to eat the $2,500 cost." |
★★☆☆☆ (2 stars) | Posted by BillingNightmare "Dairyland's billing system is a mess. They keep sending me to collections for payments I already made. I have bank statements proving payment but they won't fix their error." |
★☆☆☆☆ (1 star) | Posted by PolicyLapseScam "My payment was two days late and Dairyland immediately lapsed my policy. No grace period, no warning call. Now I have a lapse on my record making insurance even more expensive everywhere." |
★☆☆☆☆ (1 star) | Posted by CustomerServiceHell "Impossible to reach anyone at Dairyland. Been trying for two weeks to update my address. Phone system just loops endlessly and emails go unanswered. Absolutely terrible service." |
★☆☆☆☆ (1 star) | Posted by HiddenFees "Dairyland tacks on so many fees. Processing fee, installment fee, policy fee. My $100 monthly premium turns into $135 with all their extra charges. Highway robbery." |
★☆☆☆☆ (1 star) | Posted by EveryRenewalIncrease "Rates increase dramatically every six months. Started at $95 a month, now paying $185 after three renewals. My driving record has actually improved but they keep raising prices." |
Dairyland customers on Reddit and online forums often highlight the company's willingness to insure high-risk drivers, competitive rates for non-standard markets and accessible coverage options.
There are some concerns about customer service and limited premium features.
Here's what real customers are saying about their experiences on forums:
General thoughts on pricing are mixed but generally positive:
"After getting a DUI, most companies either wouldn't cover me or wanted outrageous rates. Dairyland gave me a fair price and a chance to rebuild my driving record without breaking the bank."
"Dairyland's rates aren't the cheapest overall, but for someone with my driving history, they're very reasonable. They specialize in helping people get back on their feet."
Claims processing experiences are mixed:
"Filed a claim after a fender-bender and Dairyland handled it fairly. Took about what I expected and they didn't try to deny coverage or lowball the settlement."
"My claims experience was frustrating - lots of back and forth, delays getting an adjuster, and I felt like they were looking for reasons not to pay. Eventually got resolved but took way too long."
Customer service receives varied reviews, with some praising helpful representatives while others report inconsistent experiences:
"The customer service rep I worked with was really understanding about my situation and helped me find coverage that fit my budget. They didn't make me feel judged about my past mistakes."
"Customer service can be hit or miss. Sometimes you get someone knowledgeable and helpful, other times you're stuck on hold forever or get transferred around without getting answers."
The digital platform receives moderate reviews, with basic functionality available but fewer features than premium carriers:
"Dairyland's website works for paying bills and checking basic policy info, but don't expect all the bells and whistles you'd get with a premium insurer. It's functional but pretty basic."
"The mobile app does what it needs to do for simple tasks. Given that I'm paying budget rates, I don't really expect premium digital features anyway."
Trust levels vary, with some customers appreciating the opportunity for coverage while others express concerns about service quality:
"Dairyland gave me insurance when nobody else would after my license suspension. They kept their word and didn't surprise me with hidden fees or sudden cancellations."
"I appreciate that Dairyland covers high-risk drivers, but sometimes it feels like the service quality reflects that we're not their premium customers. Still, they do what they promise."
Customers find coverage options adequate for basic needs, though some note limitations compared to standard market insurers:
"Dairyland offers the coverage I need to meet legal requirements and protect myself financially. It's not fancy, but it's real insurance that actually works when you need it."
"The coverage options are pretty basic - you won't find all the add-ons and specialty features that standard companies offer, but for getting legal coverage that you can afford, they deliver."
Negative reviews dominate forums and don't reflect overall service quality. For a complete picture, combine user reviews with industry resources like J.D. Power, independent agents, National Association of Insurance Commissioners (NAIC) and the Insurance Information Institute.
Dairyland works best for drivers with a DUI, those with bad credit, adult drivers seeking affordable coverage and owners of older cars.
| Overall Score | 3.80 | 33 |
Your Dairyland average car insurance costs can range from $74 to $817 per month based on your profile and coverage choices.
| $421 | $5,058 | 53% | 32 |
Dairyland will be much more expensive on average for most drivers, including young drivers, seniors and those with accidents or violations. You can review how affordable Dairyland is compared to other cheap car insurance companies.
| Adult Drivers | $96 | $235 | 94% | 34 |
| Drivers With a DUI | $111 | $264 | 17% | 26 |
| Drivers With an Accident | $142 | $337 | 99% | 34 |
| Drivers With a Speeding Ticket | $131 | $312 | 115% | 34 |
| Drivers With Bad Credit | $112 | $325 | 27% | 32 |
| Drivers With Low Income | $95 | $271 | 69% | 34 |
| Drivers With Newer Cars | $108 | $271 | 67% | 33 |
| Drivers With Old Cars | $86 | $213 | 99% | 34 |
| Senior Drivers | $101 | $244 | 64% | 34 |
| Young Drivers | $176 | $390 | 49% | 30 |
*All profiles are modified based on a 40-year-old male driver with good credit and no driving violations, driving a 2012 Toyota Camry. Young drivers represent ages 25 and under, adults 26 to 64 and seniors 65+. We changed the vehicle age to 2007 for older cars and 2025 for newer ones.
Dairyland offers 8 car insurance discounts, with savings depending on your driving profile, involvement in programs and your area. Check out its offerings:
Multi-Car Discount | Not specified | Insure multiple vehicles on your Dairyland policy | Available discounts vary by state |
Prior Insurance Discount | Not specified | Have coverage with another auto insurance provider for more than six months when transferring to Dairyland (may apply even with short lapse in coverage) | Available discounts vary by state |
Homeowner Discount | Not specified | Own a home (discount available even if homeowners insurance is with another company) | Available discounts vary by state |
Anti-Theft/Safety Features Discount | Not specified | Vehicle equipped with anti-theft devices or built-in safety features | Available discounts vary by state |
Paid-in-Full Discount | Not specified | Pay full six-month or annual term premium at the start of the term | Available discounts vary by state |
Automatic Payments Discount | Not specified | Set up automatic payments | Available discounts vary by state |
Defensive Driving Course Discount | Not specified | Complete an approved defensive driving course | Available discounts vary by state |
Advance Quote Discount | Not specified | Get Dairyland quote before current policy expires | Available discounts vary by state |
Dairyland earned 17th place in customer experience in MoneyGeek's comprehensive customer experience study. Customer reviews highlight strong performance in agent service and digital platform functionality, though claims processing generates more complaints than other service areas. Below, we break down the buying, policy management and claims process experiences based on our research.
Dairyland offers quick online quotes and competitive rates for high-risk drivers.
The digital process is streamlined, though some customers report rate increases after initial quotes and mobile app issues with login functionality.
Customer experiences vary. Some customers praise claims representatives, but others have had unresponsive adjusters, lengthy delays, disputed fault determinations and poor communication.
Dairyland ranks well for financial strength from all industry rating agencies, but in J.D. Power studies, the company finishes average or below average in most areas. Here are Dairyland's scores from industry agencies.
AM Best Financial Strength | A+ (Superior) | A++ to D- | Superior ability to meet financial obligations and pay claims |
AM Best Long-Term Credit Standing | aa- (Superior) | aaa to d | Superior credit quality with strong capacity to meet obligations |
S&P Global Financial Strength | Not Rated | AAA to D | Not rated by S&P Global |
Moody's Financial Strength | Not Rated | Aaa to C | Not rated by Moody's |
J.D. Power Auto Customer Satisfaction | Not Rated* | 1,000-point scale | Not included in J.D. Power 2024 auto insurance studies |
J.D. Power Digital Service Experience | Not Rated | 1,000-point scale | Not rated by J.D. Power for digital services |
J.D. Power Auto Insurance Shopping Study | Not Rated | Out of 1,000 | Not included in J.D. Power shopping studies |
J.D. Power Overall Customer Satisfaction | Not Rated | Out of 1,000 | Not included in J.D. Power satisfaction studies |
NAIC Auto Complaints | 1.10-1.73** | 1.00 is average | Above average complaints (varies by source and time period) |
Dairyland provides standard coverage options like other major insurers, including liability, comprehensive and collision protection. The company also offers these additional add-ons:
Gap Coverage/Loan Lease Payoff | Covers difference between what you owe on financed/leased vehicle and actual cash value if totaled | Essential protection for financed vehicles |
Special Equipment Coverage | Covers custom parts and equipment added to vehicle that aren't factory standard | Up to $1,000 coverage for permanent modifications |
Roadside Assistance | 24/7 emergency services including towing, jump starts, flat tire changes, lockout service, fuel delivery | Two tiers available, costs under $100/year |
Rental Car Reimbursement | Covers cost of rental vehicle while your car is being repaired after covered incident | Up to $25/day with $750 maximum coverage |
Here are insurance options beyond auto coverage to consider for bundles or standalone policies:
Who Offers It? | Insurance Products |
|---|---|
Dairyland (Directly Offered) | Auto, motorcycle, ATV/UTV, dirt bike, snowmobile, scooter/moped |
Third-Party Partner |
Dairyland is a reliable and reasonably affordable insurance provider with many add-on coverage options. Due to this, it ranked well overall in our study of providers, earning the 34th overall spot for full coverage and 32nd for minimum coverage. You should compare providers when looking for insurance.
Below are MoneyGeek's expert answers to frequently asked questions about Dairyland car insurance:
Yes, Dairyland is a legitimate car insurance company that ranked 33rd in our comprehensive car insurance provider study. The insurer particularly excels in coverage options, where it holds a 10th place ranking among all providers.
Dairyland ranks in the top 10 of most of the states that it's rated in, but isn't a top five or top overall option in any of them.
Adult drivers pay an average of $1,144 annually for minimum coverage and $2,838 for full coverage through Dairyland. Annual premiums span $891 to $3,957 for minimum coverage and $2,567 to $9,723 for comprehensive protection.
Customer feedback suggests Dairyland does have claim denials, with policyholders reporting rejections and frustrating delays during processing.
Note: This represents limited information based primarily on forum reviews.
Yes, Dairyland offers competitive rates for certain high-risk drivers. The company ranks fourth overall for drivers with a DUI, making it an excellent choice for this group.
Yes, Dairyland raises rates over time due to inflation impacting repair costs, increased claims from distracted driving and severe weather, plus individual risk factors.
No, Dairyland isn't ideal for young drivers since their expensive premiums earned them a 30th place ranking for overall affordability among insurers.
MoneyGeek pulled auto insurance rate data from Quadrant Information Services and compared prices from 79 insurers in every U.S. ZIP code.
Standard Driver Profile Used for Analysis
We used a baseline driver profile to ensure consistent rate comparisons. Our standard driver has these characteristics:
We then modified specific variables, including age, driving record, credit score and military status, to determine which insurers offer the best rates for different driver categories. Our minimum coverage rates represent policies meeting state-required minimums. Full coverage includes 100/300/100 liability limits plus comprehensive and collision coverage with $1,000 deductibles.
Company Rating System
Our evaluation process weighted three key factors:
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
