Where is Dairyland Insurance car insurance available?
Dairyland Insurance writes auto insurance policies in 33 states. These policies may be underwritten by other Sentry group companies, but use the Dairyland brand and name.
| State |
|---|
| Alabama |
| Arizona |
| Arkansas |
| California |
| Colorado |
| Connecticut |
| Delaware |
| Florida |
| Georgia |
| Idaho |
| Illinois |
| Indiana |
| Iowa |
| Kentucky |
| Maine |
| Maryland |
| Minnesota |
| Mississippi |
| Missouri |
| Nebraska |
| Nevada |
| New Mexico |
| Ohio |
| Pennsylvania |
| South Carolina |
| South Dakota |
| Tennessee |
| Utah |
| Vermont |
| Virginia |
| Washington |
| Wisconsin |
| Wyoming |
*Some state rates will vary based on the addition of a hurricane deductibleThe deductible is the amount you pay out of pocket for a covered loss when you file a claim. and may be much higher when included.
- Offers coverage to high-risk drivers
- Available in most states
- Limited coverage options
- Limited discounts
What does Dairyland Insurance auto insurance cover?
Dairyland Insurance offers all the basic car insurance coverages required by law in the states where it operates, as well as some common optional coverages: comprehensive, collision, roadside assistance and rental reimbursement. It offers fewer add-on coverages than most standard carriers.
All primary car insurance coverage options are available:
- Liability
- Collision
- Comprehensive
- Personal injury protection (PIP) and medical payments (MedPay)
- Uninsured and underinsured motorist coverage
Additional coverage offerings:
- Roadside assistance
- Rental reimbursement
How does Dairyland Insurance rank?
Dairyland Insurance has an AM Best rating of A+ (Superior) and an NAIC complaint ratio of 0.92, which is below the baseline of 1.0, indicating it receives fewer complaints than expected for a company of its size. J.D. Power doesn't rate Dairyland because it's a non-standard carrier.
| AM Best | J.D. Power claims rating | NAIC |
|---|---|---|
| A+ | N/R | 0.92 |
How much is Dairyland Insurance auto insurance?
Dairyland Insurance doesn’t provide rates to our data provider, Quadrant Information Services. As a result, we can’t compare the company on pricing. As a non-standard carrier serving high-risk drivers, Dairyland Insurance is likely to charge higher-than-average rates, although it positions itself as a low-cost option for those drivers. Contact a Dairyland agent or request a quote on the company website.
Dairyland Insurance auto insurance discounts
Dairyland offers fewer discounts than many traditional carriers, but still offers high-risk drivers seven discounts: multi-car, advanced quote, homeowner, anti-theft/safety features, transfer, payment frequency and defensive driver discount.
- Multi-car: Reduced rates when you insure more than one vehicle.
- Advanced quote: Get a quote before your current policy expires.
- Homeowner: Reduced rates for homeowners.
- Anti-theft/safety features: Some anti-theft devices and safety features earn a discount.
- Transfer: Get a discount for moving your policy to Dairyland.
- Payment frequency: Full in full or set up automatic payments.
- Defensive driver course: Take an approved defensive driver course for a discount.
Dairyland SR-22, FR-44, and high-risk driver coverage
Dairyland specializes in discounts for high-risk drivers who may have difficulty obtaining standard coverage. It offers SR-22 and FR-44 filings on behalf of policyholders as required by state law following certain violations.
- SR-22 filing: Dairyland files SR-22 certificates of financial responsibility with your state if required following a serious traffic violation, DUI or license suspension.
- FR-44 filing: Required in Florida and Virginia following certain DUI convictions, Dairyland files FR-44 certificates as required to provide proof of the higher liability limits mandated for these drivers.
- DUI and DWI convictions: Dairyland offers coverage for drivers with DUI or DWI convictions, typically at higher rates reflecting the increased risk.
- Multiple at-fault accidents: Dairyland accepts drivers with multiple at-fault accidents who may be declined by other carriers.
- Coverage lapses: Dairyland covers drivers who have a history of insurance lapses without the penalties charged by other carriers.
- Low down payments: Low down payment options are available to help high-risk drivers afford coverage.
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