Dairyland Car Insurance Pricing 2026

Q: What types of car insurance coverage does Dairyland offer?

Dairyland offers liability, uninsured/underinsured motorist (UI/UIM), personal injury protection (PIP), medical payments, collision, comprehensive, rental reimbursement, roadside assistance, and non-owner insurance.

Q: How do Dairyland's rates compare to other nonstandard insurers?

Dairyland’s rates tend to be higher than those of other nonstandard insurers. As mentioned previously, Dairyland’s rates are on average far higher than those of other nonstandard insurers. On average, they are more expensive by about $113 more per month and $1,356 per year than Bristol West, the next most expensive nonstandard provider.

Q: What happens during Dairyland’s claim process?

After you report your claim, your agent will ask some questions about the incident to connect you with a claims adjuster. The claims adjuster will review your policy and determine the next steps and payouts. You may be asked to provide evidence of the incident in question, including photos of vehicle damage and police reports. If your claim is approved, you’ll receive any payments from Dairyland and/or be connected to a repair shop for vehicle repairs. If it’s denied, you will receive a letter detailing the reasoning. Depending on your state’s laws, you can file an appeal if you think the denial is inaccurate.

Q: How do I find a Dairyland agent near me?

To find a Dairyland agent near you: Visit Dairyland’s website: www.dairylandinsurance.com. Click “Find An Agent”. Enter your ZIP code and how far from your location you’d like to search. Click “Search”. Choose an agent from the resulting list.

Q: What off-road vehicles does Dairyland insure?

Dairyland provides off-road vehicle insurance for ATV/UTVs, dirt bikes, and snowmobiles.

The average Dairyland policy is $4,851 annually ($404 monthly) for full coverage and $1,946 annually ($162 monthly) for minimum coverage. The company specializes in nonstandard insurance.

Editor's Rating:

3.5/5

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Ella Erwin is a writer at AutoInsurance.com. Their most recent professional experience was designing and co-facilitating courses in policy advocacy with the Center for New York City Affairs. They are currently pursuing a Master of Science in design and urban ecologies and creative community development at Parsons School of Design. Ella also has a Bachelor of Arts in sociology and sustainability from Pepperdine University.

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Jacqueline Quach holds years of experience in content writing, blogging, and copywriting, and has a professional background in user experience design, helping clients and businesses develop their content strategy. Jacqueline writes for multiple brands and websites, empowering customers in their purchase process through content. She also contributes to Savings.com and has written for Angi and SeniorLiving.org. Her work has been featured on MSN.com and Dayspa Magazine. Jacqueline holds a B.A. in Communication Studies from the University of California, Los Angeles.

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Last updated: June 22, 2026

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As a nonstandard insurer, Dairyland specializes in auto coverage for high-risk drivers who might have difficulty obtaining policies elsewhere. If you have a poor driving record, little driving experience, or no prior car insurance, you’d fit the profile of the typical Dairyland customer. It’s also known for offering motorcycle insurance.

Below, we break down what you can expect to pay with Dairyland, their discount opportunities, and our favorite features from the insurer.

3.5

Editor's Rating:

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Average Rate for Minimum Coverage: $162 mo.
Average Rate for Full Coverage: $404 mo.

Price
Claims Handling
Customer Experience
Coverage Options

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Dairyland Car Insurance Rates by Driver Profile

Since Dairyland is a nonstandard insurer, its average premiums for both full and minimum coverage are higher than the national average. Nonstandard insurance covers high-risk drivers who are too financially risky to cover at standard rates, and many other nonstandard insurance providers also have higher-than-average rates.

You may be a high-risk driver if you have a poor driving record, don’t have prior insurance, have a history of accidents, don’t have driving experience, and/or are a senior driver.

Driver profile average cost	Dairyland Monthly Average	National Monthly Average
Full coverage	$404	$196
Minimum coverage	$162	$60

Dairyland Pricing Compared to Nonstandard Insurers

However, Dairyland rates are still pricey when compared only to nonstandard insurers who serve the same high-risk driver customer base.

Insurance Company	Full Coverage Monthly Average	Minimum Coverage Monthly Average
Dairyland	$404	$162
Bristol West	$291	$109
Direct Auto	$264	$78
Good2Go	$247	$125
Kemper	$220	$100
Infinity	$209	$69

TIP:

When shopping for an auto policy, get quotes from at least three providers. Make sure you’re being quoted on the same coverage types across these providers. Your exact premium will depend on personal factors like the coverage you’re seeking and your driving history.

Discounts with Dairyland

Dairyland provides the following discount opportunities to help lower premiums:¹

Multi-car: Enjoy a discount if you insure multiple vehicles on your policy
Advanced quote: Receive savings for getting a quote from Dairyland before your existing policy expires
Homeowner: Save on your premium if you own your home
Anti-theft: Get a discount for having anti-theft devices or safety features in your vehicle
Transfer: Reap savings for moving your policy to Dairyland
Payment frequency: Pay in full or set up autopay for potential savings
Defensive driving: Save when you complete an approved defensive driving course

Favorite Features

Below, we list some standout features from Dairyland. Since nonstandard insurers’ offerings tend to be fairly basic, it’s noteworthy that Dairyland provides certain specialty coverages and services like motorcycle and ATV coverage, as well as a rental reimbursement add-on.

SR-22 and FR-44 Insurance

Dairyland offers SR-22 and FR-44 coverage and will file the form on your behalf if requested. You may need an SR-22 or FR-44 form if you have:

A DUI conviction
A conviction for driving with an expired or invalid license
Serious and/or multiple traffic violations
Too many moving violations within a year
An at-fault accident while driving without insurance

FYI:

Most states use the SR-22 form, which shows the state you meet minimum insurance requirements. A FR-44 is a stricter version with higher liability limits used in Florida and Virginia.

Non-Owner Insurance

With Dairyland’s Non-Owner Insurance option, you can get coverage for a vehicle you don’t own but borrow and drive regularly. This encompasses liability coverage and will cover you if you cause injuries or property damage to others in an accident you cause.

Mexico Auto Insurance

Dairyland lets you easily quote, purchase, and print out a dedicated Mexico insurance policy online. You’ll need such a policy to stay covered if you’re taking a road trip into Mexico, as your normal insurance policy usually won’t cover your vehicle abroad. Your policy will last for the duration of your time in Mexico.

Coverage for Alternative Vehicles

In addition to auto policies, Dairyland offers coverage for motorcycles, off-road vehicles (ATVs, dirt bikes, snowmobiles, and UTVs), and RVs. Each coverage type encompasses the standard coverages (e.g. liability, collision, comprehensive, and medical) and specialty add-on coverages like guest passenger and rental reimbursement. Discounts are also available.

Intuitive Mobile App

Dairyland’s mobile app offers complete access to self-service options for iOS and Android users. Stay up to date on all your account information, such as:

Digital ID cards
Additional policies
Billing statements alerts
Claims
Documents like your policy declarations page

Where is Dairyland Available?

Dairyland is licensed to provide insurance in 38 states. It is unavailable in the following regions, though this may change:

Alaska
Hawaii
Louisiana
Massachusetts
Michigan
Montana
New Hampshire
New Jersey
New York
North Dakota
Oklahoma
Rhode Island
Washington, D.C.

How to Cancel Dairyland Auto Insurance

To cancel your policy with Dairyland, call its customer service line at 800-334-0090.

You may face a cancellation fee for ending your policy before your renewal date, but ask an agent for a prorated refund. If you paid in full, a prorated refund would return any unused premium for the remaining days in your policy period.

NOTE:

Make sure you have a new policy before you cancel your current one. A lapse in coverage could leave you financially unprotected in the event of an accident and potentially increase your future insurance premiums.

Dairyland Contact Information

If you are trying to make a payment or receive a quote, Dairyland’s website is the go-to tool for 24/7 access to your account details and inquiries. If you prefer to reach out by phone or email, you can use these contacts:

For quotes: Call 888-344-4357 for auto insurance or 866-324-7952 for motorcycle insurance on weekdays from 6 a.m. to 9 p.m. CT and on Saturdays from 7 a.m. to 6 p.m. CT.
For policy questions, claims service, and payments: Call 800-334-0090 or email help@dairylandinsurance.com, 24/7.
To report suspected fraud: Call 877-736-8798 or email siutipline@sentry.com.
For online inquiries: Fill out the email form on Dairyland’s contact page: www.dairylandinsurance.com/contact.
For social media: Follow @DairylandInsurance on Facebook, @dairylandins on X (formerly Twitter), @dairylandins on Instagram, and Dairyland on YouTube.

Conclusion

As a nonstandard provider, Dairyland’s offerings are tailored to high-risk drivers searching for discounts, SR-22 and FR-44 insurance, and specialty add-on coverages not available from all nonstandard insurers. However, its rates are far higher than both the national average and the average rates of other nonstandard insurers.

Since rates are highly personalized, we still recommend getting a quote to see if you’re offered a competitive rate based on your driver profile. You can learn more about the insurer in our Dairyland review.

Frequently Asked Questions

What types of car insurance coverage does Dairyland offer?

Dairyland offers liability, uninsured/underinsured motorist (UI/UIM), personal injury protection (PIP), medical payments, collision, comprehensive, rental reimbursement, roadside assistance, and non-owner insurance.

How do Dairyland's rates compare to other nonstandard insurers?

Dairyland’s rates tend to be higher than those of other nonstandard insurers. As mentioned previously, Dairyland’s rates are on average far higher than those of other nonstandard insurers. On average, they are more expensive by about $113 more per month and $1,356 per year than Bristol West, the next most expensive nonstandard provider.

What happens during Dairyland’s claim process?

After you report your claim, your agent will ask some questions about the incident to connect you with a claims adjuster. The claims adjuster will review your policy and determine the next steps and payouts. You may be asked to provide evidence of the incident in question, including photos of vehicle damage and police reports.

If your claim is approved, you’ll receive any payments from Dairyland and/or be connected to a repair shop for vehicle repairs. If it’s denied, you will receive a letter detailing the reasoning. Depending on your state’s laws, you can file an appeal if you think the denial is inaccurate.

How do I find a Dairyland agent near me?

To find a Dairyland agent near you:

Visit Dairyland’s website: www.dairylandinsurance.com.
Click “Find An Agent”.
Enter your ZIP code and how far from your location you’d like to search.
Click “Search”.
Choose an agent from the resulting list.

What off-road vehicles does Dairyland insure?