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Dairyland Auto Insurance Review: A Solid Choice for Custom Vehicles

Review Updated
Kailey Hagen
By: Kailey Hagen

Our Insurance Expert

Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures our experts’ opinions aren’t influenced by compensation. Terms may apply to offers listed on this page.

This auto insurer is a good fit for: Vehicle enthusiasts who love to customize their cars and drivers willing to pay a little extra for great customer support


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Best for auto enthusiastsDairyland
Rating image, 2.50 out of 5 stars.
2.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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= Excellent
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= Poor

Full Dairyland auto insurance review


  • Convenient online and mobile tools
  • Flexible payment options
  • Custom parts coverage


  • Expensive policies
  • Limited data on customer service

Dairyland auto insurance at a glance

Monthly premium costs:

  • 35-year-old female with clean driving record: $644.80
  • 35-year-old male with clean driving record: $597.13
  • 35-year-old female with one accident: $1,044.50
  • 18-year-old male with clean driving record: $1,595.04

Coverage options:

  • Bodily injury liability
  • Property damage liability
  • Personal injury protection (PIP)
  • Uninsured motorist
  • Underinsured motorist
  • Medical payments
  • Collision
  • Comprehensive
  • Rental car reimbursement
  • Roadside assistance
  • Special equipment

Top perks

Online and mobile tools

Dairyland's online and mobile tools are simple to navigate. They enable customers to get quotes, view their policy details, and file claims easily. This kind of convenience is pretty standard for auto insurers today, so it's nice to see Dairyland embracing the digital revolution.

Flexible payment options

Dairyland Insurance gives its drivers a choice of several car insurance deductibles. It also offers discounts to drivers who pay their bills quarterly, semi-annually, or yearly as opposed to monthly. Drivers can choose their policy start date as well. This gives them some control over when their monthly payments are due.

Special equipment coverage

Drivers with custom vehicles should look into Dairyland's optional special equipment coverage. Certain restrictions may apply, so reach out to Dairyland Insurance to check exactly what it covers.

What could be improved

Expensive policies

Dairyland Insurance's auto insurance rates were considerably above average in our quote comparison. This was especially true for young drivers and those with accidents on their records. While the company does have some car insurance discounts, it doesn't offer as many as some of its competitors. But rates are different for everyone. It's still worth getting a quote to see what Dairyland Insurance can offer.

Limited customer satisfaction data

Dairyland Insurance hasn't appeared in large-scale auto insurance satisfaction surveys. That makes it difficult to compare its customer service to that of its competitors. But the reviews that do exist for the company are largely positive.

Alternatives to consider

If excellent customer service is a top priority: State Farm is one of the industry leaders in customer satisfaction. It's scored high in every region of the J.D. Power U.S. Auto Insurance Satisfaction survey that it appeared in. It also offers more optional coverages than Dairyland Insurance. But it doesn't offer a comparable option for special equipment.

If low cost matters most: Progressive offers affordable base rates and plenty of discounts to help drivers save. It has appeared in more customer satisfaction surveys than Dairyland Insurance, but its customer reviews aren't as impressive.

Monthly premium costs

Dairyland's monthly premium costs were much higher than the rates we've seen with some national insurers. This was especially true for drivers with accidents on their record and younger drivers. Interestingly, Dairyland Insurance was one of the few insurers to offer cheap auto insurance to adult male drivers, all other factors being equal.

35-year-old female, clean record 35-year-old male, clean record 35-year-old female, one accident 18-year-old male, clean record
$644.80 $597.13 $1,044.50 $1,595.04
Data source: The Ascent's analysis of standardized personas.

Discounts available

Dairyland Insurance has relatively few discounts compared to many of its competitors. The ones it does offer are pretty common, like multi-car and homeowners discounts. Those who qualify for one or more of these discounts will receive a lower rate on their premiums. Here's a full list of all the Dairyland auto insurance discounts available:

  • Multi-car discount
  • Advanced quote discount
  • Transfer discount
  • Payment frequency discount
  • Homeowners discount
  • Defensive driving discount
  • Anti-theft device discount

Coverage options

Policy types

  • Auto insurance
  • Non-owner car insurance
  • Motorcycle insurance
  • ATV insurance
  • UTV insurance
  • Snowmobile insurance
  • Dirt bike insurance

Dairyland doesn't offer the variety of insurance that some of its competitors do. But its selection of vehicle insurance types is fairly comprehensive. It's missing boat and RV coverage. That said, it will definitely be considered one of the best car insurance companies by those interested in its rarer policy options, like dirt bike insurance.

Coverage types

  • Bodily injury liability
  • Property damage liability
  • Personal injury protection (PIP)
  • Uninsured motorist
  • Underinsured motorist
  • Medical payments
  • Collision
  • Comprehensive
  • Rental car reimbursement
  • Roadside assistance
  • Special equipment

Dairyland Insurance offers all the standard auto insurance coverage required by law. It also has a few common add-ons, like rental car reimbursement and roadside assistance. Its rarest coverage option is special equipment coverage. This pays to repair or replace certain equipment drivers add to their vehicles after they've purchased them.

Customer service and ratings

Dairyland Insurance hasn't appeared in any national customer satisfaction surveys. This makes it challenging to measure how its customer service stacks up to some of its competitors.

That said, the reviews that are out there are largely positive. It has a 4.4 out of 5 rating from over 5,000 customers on TrustPilot and has an A+ rating with the Better Business Bureau.

This auto insurer is best for:

  • Drivers primarily interested in vehicle insurance
  • Drivers who have customized their cars and want these upgrades covered
  • Drivers who are willing to pay a little extra for great customer service

Our Insurance Expert