Dairyland Insurance Review: Auto and Motorcycle

Dairyland auto insurance

Dairyland auto insurance quotes

Dairyland’s car insurance quotes are significantly more expensive than its competitors. A minimum-coverage policy costs on average $1,790 per year, which is $935 more than average, based on the quotes we gathered.

Dairyland’s full-coverage policy costs $4,242 per year — $3,076 more than Geico, the cheapest insurer we found.

Drivers with an accident on their records can also find much more affordable car insurance elsewhere. A full-coverage policy from Dairyland costs $5,817 for a driver with a single at-fault accident, which is $4,208 more expensive than a policy with State Farm.

Dairylands Auto Insurance Rates

Currently insured?


Minimum coverage

Full coverage


Geico$460$1,186$1,732State Farm$578$1,343$1,609Progressive$1,127$2,339$3,680Dairyland$1,790$4,262$5,817

Auto insurance rates vary based on where you live, the car you drive, your driving history and the coverage limits you choose, which is why it’s important to compare car insurance quotes in order to find the best policy for you.

Dairyland car insurance policies and coverages

Dairyland car insurance offers a full suite of coverage options commonly found in a full-coverage car insurance policy, including bodily injury and property damage liability, uninsured and underinsured motorist coverage, personal injury protection, medical payments coverage and comprehensive and collision coverage.

Dairyland offers several common add-on coverages, which can be found with most large insurers, including:

Add-on coverages



Towing and labor coverageOffers roadside assistance and pick-up services in the event of a car accident$24 for $75 of coverageRental reimbursementPays for transportation expenses incurred when your car is being repaired$72 for coverage of $25 per day and a total limit of $750Special equipment coverageReimburses damage to special equipment installed in your vehicle, such as custom paintwork, interior modifications, special wheels or tires and permanent electronic systems not installed by the vehicle manufacturer$120 for $1,000 of coverage

Drivers who are required to carry SR-22 car insurance can benefit from Dairyland’s lack of additional fees or surcharges. SR-22 filings alone will typically cost between $15 and $25, though the exact price varies by state. However, we found significantly better SR-22 rates from other insurers, which cancel out this savings.

Nonowner car insurance

Dairyland offers nonowner car insurance to people who frequently drive a car they don’t own. A nonowner car insurance policy may be the right fit for you if you’re in between vehicles, you borrow someone else’s car from time to time or you rent vehicles frequently.

Nonowner car insurance policies cover damage to other vehicles and property that’s incurred while driving a car you do not own. These policies don’t cover damage to the vehicle you’re driving, your personal property or medical expenses.

Dairyland auto insurance discounts

Dairyland offers several common car insurance discounts, including:

  • Multicar when you have more than one vehicle on your policy.
  • Advanced quote if you get a quote at least one week before initiating coverage.
  • Policy transfer for starting a new policy with Dairyland after switching from a carrier you had previously been with for at least six months.
  • Payment frequency when you make frequent, on-time payments, or pay ahead in full.
  • Homeowners and renters for having homeowners or renters insurance, even if your policy is with another insurer.
  • Defensive driving for drivers who pass a defensive driver course with proof. Some safety courses and discounts are eligible for seniors only.
  • Antitheft if you secure your vehicle with an antitheft device such as a car alarm or smart key.