Dairyland Insurance in the USA: Coverage, Costs, Pros, Cons, and Who It’s Best For
Dairyland Insurance is a well-known name in the U.S. auto and motorcycle insurance market, especially among high-risk drivers, motorcycle owners, and drivers who need non-standard auto insurance. Backed by Sentry Insurance, Dairyland has built a reputation for flexible coverage options and SR-22 filings.
In this in-depth guide, we’ll break down everything you need to know about Dairyland Insurance in the USA — including coverage types, pricing, eligibility, pros and cons, and how it compares with competitors.
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| Dairyland Insurance in the USA |
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What Is Dairyland Insurance?
Dairyland Insurance was founded in 1953 and operates as a subsidiary of Sentry Insurance Group, a financially strong insurer rated A+ (Superior) by AM Best.
Dairyland focuses on:
Non-standard auto insurance
Motorcycle insurance
SR-22 insurance
Drivers with lapses in coverage
High-risk drivers (DUIs, tickets, poor credit)
Unlike many mainstream insurers, Dairyland works primarily through independent insurance agents, which allows for more personalized underwriting.
Official website:
🔗 https://www.dairylandinsurance.com
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Types of Coverage Offered by Dairyland Insurance
1. Auto Insurance Coverage
Dairyland provides all standard auto insurance options required in the U.S.:
Liability Coverage (bodily injury & property damage)
Collision Coverage
Comprehensive Coverage
Uninsured / Underinsured Motorist
Medical Payments (MedPay)
These options allow drivers to meet state minimum insurance requirements or opt for broader protection.
2. SR-22 Insurance (High-Risk Drivers)
One of Dairyland’s biggest strengths is SR-22 insurance filing, which is required after:
DUI or DWI convictions
Driving without insurance
License suspension
Multiple traffic violations
Dairyland can file SR-22 forms quickly with most U.S. state DMVs.
🔗 External reference:
https://www.iii.org/article/what-is-an-sr-22
3. Motorcycle Insurance
Dairyland is especially popular among motorcycle riders and offers coverage for:
Cruisers
Sport bikes
Touring motorcycles
Scooters
Custom bikes
Optional motorcycle add-ons include:
Accessory coverage
Roadside assistance
Guest passenger liability
4. Other Specialty Coverage
Depending on the state, Dairyland may also offer:
ATV insurance
Snowmobile insurance
Off-road vehicle coverage
How Much Does Dairyland Insurance Cost?
Dairyland Insurance is not the cheapest option for low-risk drivers, but it is often competitive for:
Drivers with poor credit
Drivers with prior accidents
Drivers requiring SR-22
Motorcycle owners
Average Cost Factors:
Driving history
State regulations
Vehicle type
Credit score (in most states)
Coverage limits selected
For readers comparing insurance costs with broader living expenses, see our U.S. economic analysis at
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Pros and Cons of Dairyland Insurance
✅ Pros
Strong option for high-risk drivers
Fast SR-22 filing
Flexible payment plans
Solid motorcycle insurance offerings
Backed by a financially strong parent company
❌ Cons
Limited discounts compared to major insurers
Not ideal for drivers with clean records
Limited online self-service features
Availability varies by state
Dairyland Insurance vs Major Competitors
| Feature | Dairyland | GEICO | Progressive |
|---|---|---|---|
| High-Risk Drivers | ⭐⭐⭐⭐ | ⭐⭐ | ⭐⭐⭐ |
| SR-22 Filing | Yes | Yes | Yes |
| Motorcycle Focus | Strong | Limited | Strong |
| Discounts | Limited | Extensive | Extensive |
| Online Experience | Basic | Advanced | Advanced |
Dairyland stands out mainly for drivers who are underserved by mainstream insurers.
Is Dairyland Insurance Legit and Safe?
Yes. Dairyland Insurance is considered legitimate and reliable, backed by Sentry Insurance, which has decades of industry experience.
AM Best Rating:
🔗 https://www.ambest.com
Strong financial ratings indicate the company’s ability to pay claims, which is a core EEAT trust signal.
Who Should Choose Dairyland Insurance?
Dairyland Insurance is best for:
Drivers with a DUI or SR-22 requirement
Motorcyclists looking for specialized coverage
Drivers denied by traditional insurers
Those needing fast reinstatement of coverage
If you have an excellent driving record, you may find better pricing elsewhere — but if your profile is complex, Dairyland is often a practical solution.
Frequently Asked Questions (FAQ)
Is Dairyland Insurance available in all U.S. states?
Dairyland operates in most states, but coverage options vary. Availability should be confirmed through a local agent.
Does Dairyland offer roadside assistance?
Yes, roadside assistance is available as an add-on in many states.
Can I pay Dairyland Insurance monthly?
Yes, Dairyland offers flexible payment plans, including monthly installments.
Final Verdict: Is Dairyland Insurance Worth It?
Dairyland Insurance fills a crucial gap in the U.S. insurance market, especially for high-risk drivers and motorcycle owners. While it may not compete on price for low-risk drivers, it offers accessibility, flexibility, and reliability where many insurers say no.
For Americans rebuilding their driving history or needing specialty coverage, Dairyland remains a solid option.
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