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Dairyland Car Insurance Review

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Dairyland is an automobile and motorcycle insurer that was founded in 1953 and acquired by Sentry Insurance in 1966.

The company continues to sell motor vehicle policies under its own name and does business through an agent network in 43 states.
 
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How is Dairyland rated?

Breakdown

4.0/5
Coverage
4.0/5
Financial Strength
0.0/5
Supplemental Coverage
3.5/5
Pricing & Discounts
4.5/5
Claims Satisfaction & Customer Experience
4.5/5
Automation

Overall Rating: 3.8 / 5 (Very good)

Dairyland is a very good option for car insurance, especially for those who have been denied by other companies due to driving and legal issues.

The company has been owned since 1966 by Sentry Insurance, which has sound financials.

Dairyland gives consumers the option of buying a policy directly from the company, over the internet, or from one of its agents.

Though its policies are not always the least expensive, it does offer various premium discounts.

Dairyland Coverage

Basic Coverage

  • Bodily Injury Liability
  • Property Damage Liability
  • Collision
  • Comprehensive
  • Personal Injury
  • Uninsured/Underinsured Motorist

Additional Coverage

  • Rental Reimbursement
  • Towing & Labor Cost
  • Sound System

Coverage - 4 / 5

Dairyland offers the usual suite of basic auto insurance coverages, but also offers lien holder policies that some lenders required on financed and leased vehicles.

It also offers SR22 coverage for people who have had legal trouble or have been declined by other insurers.

Customer Experience

National Association of Insurance Commissioners

NAIC Complaint Ratio
2.68
NAIC Total Complaints 2020
37

Customer Ratings

Trust Pilot Rating
8.1 out of 10
BBB Rating
A+
Number of BBB Positive Reviews
0
Number of BBB Neutral Reviews
0
Number of BBB Negative Reviews
13
*The NAIC Car Insurance complaint ratio (in this case 2.68) compares a company’s performance to other companies in the market. The median complaint ratio across all car insurance companies is 1. A score below 1 means the company received fewer than the expected number of complaints. A score above 1 means the company received a more than the expected number of complaints.

Claims Satisfaction & Customer Experience - 4.5 / 5

Information on Dairyland's customer experience is equivocal. Neither Sentry nor Dairyland are rated by the top third party insurance surveys.

Sentry has an A+ rating by the BBB but a very small number of reviews. It has a strong rating by Trust Pilot, but a significantly worse than average complaint ratio with NAIC.

The small sample size means that a few happy or unhappy consumers can skew satisfaction metrics, so consumers are well advised to speak with other Dairyland policyholders in their area and to review published complaints with a critical eye.

Financial Strength

Key Details

Underwriter
Sentry Insurance
Premiums Written 2020
$0
Marketshare
0.06%
AM Best Financial Rating
A+

Financial Strength - 4 / 5

Dairyland is owned by Sentry Insurance, which is one of the country's largest mutual insurance companies and appears to be on a sound financial footing.

Sentry has been in business since 1904, which suggests sound financial management through good times and bad.
*The above information reflects the financial strength of the underwriter of the Dairyland car insurance policies: Sentry Insurance.

Pricing & Discounts

Discounts

  • Multiple Vehicle
  • Anti-Theft
  • Bundled Policy

Additional Discounts

  • Full/Automatic Payment

Pricing & Discounts - 3.5 / 5

Anecdotal evidence suggests that Dairyland's policies may be somewhat more expensive than average, but this is not surprising given that one of the company's specialties is insuring high-risk drivers.

The company does offer some of the standard discounts, which in some cases may lower premiums, as well as a discount to homeowners, regardless of who insures the property.

People who have completed a defensive driving course may also see a premium reduction.

Contact & Additional Information

Homepage URL
https://www.dairylandinsurance.com
Company Phone
(888) 290-5754
Headquarters Address
1800 North Point Drive, Stevens Point, WI, 54481
Mailing Address
P.O. Box 8021, Stevens Point, WI, 54481
Year Founded
1953

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Customer Comments & Reviews

Loading Reviews ...
C
Christy H
4/16/2019
Truly the worst experience I have ever had with an insurance company. Robert Giaret is a horrible representation for the company and spoke down to my spouse on the phone as if everything was her fault. She was slammed into when yielding at a red light. The person who hit her had no bumper, no license, and she was truly traumatized by the experience. She put in a call to the company because the rental was explained to her one way by phone and another way via email. The manager she spoke with, Robert Giaret, continued to berate her through the entire call while she was in tears, stating that she should be upset with herself and no one else for having to pay for supplemental insurance. I have... Read More

K
Keith D
1/24/2019
Great service and fare price. You get what you pay for!

I
Isabel A
11/12/2018
Their prices are low and their coverage is great! Everyone is very friendly and knowledgeable regarding your insurance.

C
Chris
8/27/2018
Unfortunately Elephant Auto subsidized their SR-22 policies through this "company" so if you need an SR-22 and have Elephant, avoid getting an SR-22 policy through them. This has without a doubt been the worst customer service experience I've ever encountered. I dont even know where to start, is it the 500 dollar SR-22 fee that Dairyland caused me to be fined, or if it was the actual experience of dealing with these swindlers. Eddie is a garbage customer service manager and should be fired immediately. He repeatedly repeated himself by saying "If you have not received the letter we mailed I would recommend you contact the USPS". They cancelled my policy TWO DAYS AFTER PAYING!!! Seriously?... Read More

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