For auto insurance companies, high-risk drivers, and budget-friendly policies, navigating any insurance options can often be nearly impossible Founded in 1953, Dairyland Insurance, which became a part of Sentry Insurance in 2013, has become known for providing solutions built to fit. This guide simplifies what you need to know about Dairyland Insurance, including policy types, cost-saving strategies, and more so you can make informed decisions that align with your needs.
Dairyland Insurance Company Overview
Dairyland Insurance is one of the many insurers in the market today that has managed to separate itself from the competition by focusing its efforts on drivers at the high end of the risk scale who are looking for SR-22 coverage. This guide will help you through Dairyland Insurance’s coverage options, the quote process, and sign-up steps. Deciding where to seek adequate coverage can be daunting, but our guide to auto insurance options is backed by research from the National Association of Insurance Commissioners (NAIC), the Insurance Information Institute, and the Better Business Bureau (BBB), our comprehensive overview ensures you make an informed decision.
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A History of High-Risk Driver Shows
Dairyland was established in 1953 and started by insuring motorcycle owners, a segment traditionally passed over by larger insurers. Over the years, it grew to include high-risk drivers, such as those with DUIs, multiple accidents or bad credit. Dairyland was purchased by Sentry Insurance in 2013 and uses its $35 billion in assets to build policyholder protection.
Dairyland is one of many non-standard insurers that covers 12% of U.S. drivers including high-risk drivers, according to a 2023 report from the Insurance Information Institute (III). For instance, a driver with a recent DUI might pay 1,800–1,800–3,000 a year for full coverage, but Dairyland’s customized underwriting usually lowers costs via picks up like safe driver discounts or car security discounts (e.g., save 10% off with anti-theft devices).
Understanding Car Insurance Coverage Types
Dairyland Insurance Types of Insurance: Dairyland offers everything from basic and specialized auto policies to make sure even the riskier drivers meet the standards in their state without breaking the bank.
Core Coverage Options
- Liability Insurance: Bodily Injury Liability: Pays for medical bills of others in accidents for which you are responsible (for example, 50,000perperson/50,000perperson/100,000 accident in Texas).
Property Damage Liability: Covers repair to another’s vehicle, or other property (e.g. $25,000 minimum Florida). - Collision & Comprehensive: Collision: If you get into an accident, it repairs your car, even if the accident is your fault.
Collision: includes damage from collision in accidents.
Example: Full coverage on a 2020 Honda Accord: $150/month for a driver in Oklahoma - Renters Insurance: $50/day for a rental car (while repairs are made.)
- Medical Payments (MedPay): Pays for medical bills for you and your passengers, no matter who is at fault.
- High-Risk Driver Solutions: SR-22 Filings: Needed for DUIs and suspended licenses. Dairyland submits SR-22 forms directly to states, making things easier.
- Non-Owner Policies: Covers drivers who frequently rent or borrow cars but don’t own vehicles.
Tip: If you are a high-risk driver in California, you can take a state-approved defensive driving course and save 15% off your premiums.
Kinds of Motorcycle Insurance Coverage
Dairyland offers motorcycle policies with flexible options to suit weekend riders, daily commuters and custom bike riders.
Key Features
- Custom Parts Coverage: Covers aftermarket upgrades up to $30,000 (e.g., exhaust systems, paint jobs)
- Trip Interruption: Reimburses up to $500 for accommodations and towing if your motorcycle breaks down 100+ miles from home
- Roadside Assistance: 24/7 service for flat tyres, fuel delivery or mechanical problems.
- Lay-Up Policies: Winter months, when bikes are stored, provide a 50% discount on premiums.
The motorcyclist’s fatality rate is 28 times that of occupants of passenger cars per mile, according to the National Highway Traffic Safety Administration (NHTSA), so they need strong coverage.
How to Get a Quote for Dairyland Insurance?
Online Quote Process
- Go to the website for Dairyland Insurance website and select the “Get a Quote” button.
- Input your ZIP code, vehicle (VIN,  make/model), and driver information.
- Deals with coverage options and discounts (i.e., safe driver discounts).
- Receive your quote instantly.
Take the mileage discount if you drive less than 7,500 miles a year. For instance, if an Arizona driver commutes 6,000 miles each year, they would save $120/year on premium payments.
Contacting a Local Agent
Agents can help explain confusing terminologies such as stacked vs. unstacked coverage and bundle discounts (for example, a multi-policy discount when using multiple Sentry Insurance products). For example, you might save 10–15% on both an auto and motorcycle plan by combining them.
Factors that Influence Premium
- Driving record:  A single at-fault accident can increase rates by 30% to 50%.
- Credit Score: Drivers flagged for bad credit (under 600) are charged 50–75% more than other drivers in most states.
- Vehicle Type: Sports cars cost 15% more to insure than sedans.
Dairyland Insurance: How to Sign Up?
Once you’ve checked out the quote options, the next step is to sign up for a policy. The sign-up process is super straightforward.
Online Application or through Agent
- Get started on the Dairyland insurance website: Go to the website and click on the “Get insured” or “Apply now” button.
- Fill Out the Application: You will need to enter your personal information, driving history, and info for the vehicle(s) you want to insure.
- Review Your Options: You should always compare different coverage options, whether you also want to check Dairyland Insurance Car Insurance or Dairyland Motorcycle Insurance plans.
- Submit Your Application: After ensuring everything is correct, you can submit your application online or via a local agent.
- Confirmation: A confirmation email will be sent to you with instructions and any other documentation needed.
Required documents & information
- Have the following documents ready before you sign up:
- Driver’s License: A valid ID to confirm your identity and driving record.
- Vehicle Information: make model, year and Vehicle Identification Number (VIN).
- Insurance Documents from Current Provider: If you’ve been with another insurer and are passing over, this document will help verify your history.
- Payment Information: Credit/debit card information to establish automatic payments; potentially qualify for payment frequency discount.
Payment and Policy Activation
After submitting your application:
- Payment Options: Dairyland Insurance has several repayment options, including monthly, quarterly or annual payments, all of which can affect your overall costs through discounts.
- Policy Activation: After payment is successfully processed, your policy will be activated, and you will receive your official insurance contract outlining your coverage.
- Customer Support: Reach Dairyland Insurance’s support for questions using the dedicated phone numbers or online chat support.
Dairyland Insurance Reviews
Review Highlights
- Trustpilot: 3.8/5 stars average rating (out of 1,200+ reviews, Trustpilot).
- Google Reviews: 4.1 out of 5 stars.
Industry Ratings
- A.M. Best: A++ (Superior) financial strength.
- NAIC Complaint Index: 2.3 (above average,  but quickly resolved).
Complaints Against Dairyland Insurance
Again, common complaints include delays in settling claims and rate increases after an accident. But 85% of complaints are resolved within 30 days, the BBB says. For comparison, competitors such as Amica Insurance get fewer complaints, but they also charge 20–30% more for high-risk drivers.
Cost Considerations
Average Pricing by State
| State | Auto Insurance (Annual) | Motorcycle Insurance (Annual) |
| California | 2,100–2,100–3,500 | 600–600–1,200 |
| Texas | 1,500–1,500–2,400 | 550–550–950 |
| Florida | 1,800–1,800–3,000 | 700–700–1,300 |
Factors Influencing Rates
- Age: Drivers younger than 25 pay 15–20% more.
- Location: Rates are 30% higher in urban areas in locations such as Miami because of the risk of theft.
- Coverage Level: Full coverage costs twice as much as liability only.
Discounts Available
Common discounts include:
| Discount Type | Savings | Eligibility Criteria |
| Multi-Policy | 10% | Bundle auto + motorcycle policies |
| Safe Driver | 15% | 3+ years accident-free |
| Vehicle Safety | 10% | Anti-theft devices or ABS brakes |
| Payment Frequency | 5% | Pay the annual premium upfront |
The claims process Dairyland Insurance
Step-by-Step Guide
- Report the Claim: House a call to Dairyland’s 24/7 claims hotline (1-800-334-0090) or file online.
- Submitting Documentation: Share pictures, police reports, and repair estimates.
- Adjuster Review: The claims adjuster reviews the damage within 48 hours.
- Repairs & Payout: Opt for a network repair shop or cash settlement.
Average Claims Processing Time: 7–14 days (complex claims will be longer)
Pro Tip: Dairyland’s mobile app lets you snap and upload photos of the accident on the spot, which may help expedite the process.
Conclusion
The process of finding auto and motorcycle insurance for the best rates can be tricky,  particularly for those drivers considered higher risk. This is where Dairyland Insurance Comes in. With customizable coverage options, competitive quotes,  and a streamlined enrollment process, Dairyland Insurance offers a good solution. So whether you’re looking for a more affordable motorcycle insurance policy or comparing auto insurance rates and searching for discounts such as the multi-policy or safe driver discount, Dairyland Insurance has you covered with a complete package with essential features geared to your needs.
A clearer understanding of the variety of insurance types available, details affecting your premium, and coverage options (rental reimbursement,’ medical payments to others’) will empower you to make an informed decision. If you want an insurance provider that specializes in high-risk drivers and appreciates transparency, Dairyland Insurance may be worth your business. Always ensure you obtain a few quotes and read the fine print of your insurance contract before settling on your policy.
Frequently Asked Questions (FAQ)
Q1: What is Dairyland Insurance?
A:  Yes, Dairyland Insurance specializes in auto and motorcycle coverage, particularly for high-risk drivers and those needing SR-22 coverage. These include liability, collision, comprehensive and optional coverage options such as rental reimbursement and roadside assistance.
Q2: What is the best way to get a quote from Dairyland Insurance?
A: You can get a quote on the Dairyland Insurance Website Using their quote tool online, or by contacting a local agent through the site. All you have to do is do a little research by entering some basic personal and vehicle details, and you’ll begin comparing the rates of auto insurance and insurance coverage options available to you.
Q3: What influences my premium with Dairyland Insurance?
A: Defensive driving and other factors like vehicle safety features can also help you save on your premiums.
Q4: Does Dairyland Insurance offer discounts?
A: Yes, Dairyland Insurance has multiple discounts, such as multi-policy, safe driver,  payment frequency and loyalty discounts. These price cuts will lower your total premium, making your policy less expensive.
Q5: What is the procedure for purchasing a Dairyland Insurance policy?
A: Enrollment is easy — you begin by signing up online or contacting a local agent. You must fill out an application form with your: personal, driving, and vehicle details and select your desired coverage options. Your policy becomes effective once your application is processed and payment is received.
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