{"id":45662,"date":"2025-01-08T10:08:51","date_gmt":"2025-01-08T18:08:51","guid":{"rendered":"https:\/\/getjerry.com\/?p=45662"},"modified":"2025-01-13T13:15:13","modified_gmt":"2025-01-13T21:15:13","slug":"dairyland","status":"publish","type":"reviews","link":"https:\/\/jerry.ai\/reviews\/car-insurance\/dairyland\/","title":{"rendered":"Dairyland Car Insurance Review 2025"},"content":{"rendered":"\n<div class=\"wp-block-jerry-carrier-reviews-survey-summary\">\n  <div class=\"before:bg-primary relative overflow-hidden rounded-xl border border-zinc-200 before:absolute before:block before:h-[9px] before:w-full before:content-['_']\">\n    <div class=\"flex flex-col gap-4 px-6 pb-12 pt-6 md:gap-8 md:px-7 md:pt-10\">\n      <!-- title -->\n      <div class=\"font-circular text-xl font-bold text-gray-900 md:text-3xl\">\n        Dairyland Car Insurance Review      <\/div>\n\n      <div class=\"flex flex-col items-start justify-start gap-6 md:flex-row md:gap-5\">\n        <div class=\"flex w-full grow flex-col items-start gap-6 md:gap-4\">\n          <!-- carrier image -->\n          <div class=\"flex aspect-[2\/1] w-full items-center justify-center overflow-hidden rounded-md border border-zinc-200 p-3 md:aspect-[25\/14] md:w-[200px]\">\n                          <img decoding=\"async\"\n                class=\"max-h-full max-w-full\"\n                src=\"\/wp-content\/uploads\/2025\/01\/Dairyland-Logo-300x75.webp\"\n                alt=\"Dairyland\"\n              fetchpriority=\"low\" loading=\"lazy\"\/>\n                      <\/div>\n\n          <div class=\"flex flex-row items-center gap-3\">\n            <!-- carrier rating -->\n            <div class=\"font-body text-6xl font-semibold text-gray-900 md:text-[44px]\">\n              3.8            <\/div>\n\n            <div class=\"flex flex-col justify-end gap-1.5 md:gap-1\">\n              <!-- carrier stars -->\n              <div class=\"flex space-x-1 space-x-1.5\"><span class=\"iconify i--star text-lg md:text-sm text-primary\"><\/span><span class=\"iconify i--star text-lg md:text-sm text-primary\"><\/span><span class=\"iconify i--star text-lg md:text-sm text-primary\"><\/span><div class=\"relative inline-block leading-[0]\">\n  <span class=\"iconify i--star text-lg md:text-sm text-gray-400\"><\/span>\n  <span class=\"iconify i--star text-lg md:text-sm text-primary absolute inset-0\" style=\"clip-path: inset(0 20% 0 0);\"><\/span>\n<\/div><span class=\"iconify i--star text-lg md:text-sm text-gray-400\"><\/span><\/div>\n              <!-- carrier stars description -->\n              <div class=\"font-circular text-base font-medium text-gray-900 md:text-xs\">\n                Jerry&#8217;s Score              <\/div>\n            <\/div>\n          <\/div>\n        <\/div>\n\n        <div class=\"flex shrink flex-col gap-6\">\n          <!-- summary -->\n          <div class=\"flex flex-col gap-3\">\n            <!-- summary title -->\n            <div class=\"font-circular text-xl font-bold text-gray-900 md:text-2xl md:leading-6\">\n              Our Take            <\/div>\n            <!-- summary content -->\n            <div class=\"font-circular text-base font-normal text-gray-600\">\n              Dairyland offers a range of auto insurance options in most states, even for high-risk drivers or those who struggle to purchase coverage elsewhere. While this insurer isn\u2019t ranked by J.D. Power, it boasts top consumer reviews through Jerry and Trustpilot.            <\/div>\n          <\/div>\n\n          <!-- pros & cons -->\n          <div class=\"flex flex-col gap-7 md:flex-row md:gap-6\">\n            <!-- pros -->\n            <div class=\"flex flex-1 flex-col gap-3 md:gap-4\">\n              <!-- pros title -->\n              <div class=\"flex flex-row items-center gap-3 border-b border-zinc-200 pb-4 md:pb-5\">\n                <span class=\"iconify i--thumb-up text-primary text-2xl\"><\/span>\n                <div class=\"font-circular text-xl font-bold text-gray-900 md:text-2xl md:leading-6\">\n                  Pros                <\/div>\n              <\/div>\n\n              <!-- pros content -->\n              <ul class=\"!m-0 flex list-disc flex-col gap-4 !pl-6\">\n                                  <li class=\"marker:text-primary\">\n                    <span class=\"font-circular relative left-2 text-base text-gray-600 md:text-sm md:leading-4\">Available to \u201chigh-risk\u201d drivers, including those who need SR-22 and FR-44 certificates.<\/span>\n                  <\/li>\n                                  <li class=\"marker:text-primary\">\n                    <span class=\"font-circular relative left-2 text-base text-gray-600 md:text-sm md:leading-4\">Policies for Mexico drivers.<\/span>\n                  <\/li>\n                              <\/ul>\n            <\/div>\n\n            <!-- cons -->\n            <div class=\"flex flex-1 flex-col gap-3 md:gap-4\">\n              <!-- cons title -->\n              <div class=\"flex flex-row items-center gap-3 border-b border-zinc-200 pb-4 md:pb-5\">\n                <span class=\"iconify i--thumb-down text-primary text-2xl\"><\/span>\n                <div class=\"font-circular text-xl font-bold text-gray-900 md:text-2xl md:leading-6\">\n                  Cons                <\/div>\n              <\/div>\n\n              <!-- cons content -->\n              <ul class=\"!m-0 flex list-disc flex-col gap-4 !pl-6\">\n                                  <li class=\"marker:text-primary\">\n                    <span class=\"font-circular relative left-2 text-base text-gray-600 md:text-sm md:leading-4\">Not available in all states.<\/span>\n                  <\/li>\n                                  <li class=\"marker:text-primary\">\n                    <span class=\"font-circular relative left-2 text-base text-gray-600 md:text-sm md:leading-4\">More consumer complaints than expected in recent years.<\/span>\n                  <\/li>\n                              <\/ul>\n            <\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n\n\n<p>Jerry rates Dairyland 3.7 stars out of 5. This score is slightly above average compared to <a href=\"\/car-insurance\/best-car-insurance-companies\/\">other insurers that Jerry rates<\/a> and takes into account the insurer\u2019s pricing, industry ratings, the company\u2019s financial strength, customer ratings and national complaint data.<\/p>\n\n\n\n<p>Dairyland is licensed to sell auto, motorcycle, RV, and off-road insurance to drivers in 49 states (excluding <a href=\"\/car-insurance\/california\/\">California<\/a>) as well as DC and Mexico. In addition to specialized coverage options like <a href=\"\/car-insurance\/non-owner-car-insurance\/\">non-owners insurance<\/a>, <a href=\"\/car-insurance\/gap-insurance\/\">gap coverage<\/a> and roadside assistance, Dairyland offers a number of discount opportunities. Drivers can save on premiums by insuring multiple cars, bundling other coverage, getting a Dairyland quote at least a week before you need coverage and paying your premium up front.&nbsp;<\/p>\n\n\n\n<p>Dairyland serves a wide range of customers, including drivers who are considered \u201chigh-risk.\u201d Drivers who may struggle to purchase coverage elsewhere \u2014 like those who have had lapses in coverage, require an SR-22 certificate, or have a DUI conviction or other repeated traffic offenses \u2014 may qualify for insurance with Dairyland.<\/p>\n\n\n\n<p>Dairyland customers can purchase a policy online, over the phone, or in person with an independent agent.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"best-for\">Who is Dairyland best for?<\/h2>\n\n\n\n<p>Dairyland may be an ideal choice for drivers who:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Need an <a href=\"\/car-insurance\/sr-22-insurance\/\" data-type=\"car-insurance\" data-id=\"58404\">SR-22 certificate<\/a> or are considered \u201chigh-risk.\u201d<\/li>\n\n\n\n<li>Want unique insurance options including lienholder policies or special equipment coverage.<\/li>\n\n\n\n<li>Prefer to manage their account online or via a mobile app.<\/li>\n<\/ul>\n\n\n\n<p>Even if you think Dairyland might be the right insurer for you, it\u2019s wise to <a href=\"\/car-insurance\/car-insurance-quotes\/\">compare quotes<\/a> from multiple insurers in order to find the best coverage at the lowest possible price.<\/p>\n\n\n\n<div class=\"wp-block-jerry-cta\"><div class=\"flex flex-col items-start gap-4 rounded-xl border border-zinc-200 px-12 py-8 md:flex-row md:items-center md:gap-14\"><div class=\"flex-1\"><span class=\"text-xl font-black text-gray-900\">Jerry helps you save on car insurance fast.<\/span><\/div><div class=\"flex-1\"><a href=\"\/signup\" class=\"bg-primary block w-full rounded-full px-14 py-2 text-center font-black text-white hover:no-underline\">GET STARTED<\/a><\/div><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"cost\">How much does Dairyland car insurance cost?<\/h2>\n\n\n\n<p>The average cost for the state-mandated minimum car insurance coverage with Dairyland is 7.8% lower than the national average, according to our analysis of over 400,000 policies quoted to real Jerry customers from 24 unique insurers.<\/p>\n\n\n\n<p>Your premium is determined by a number of <a href=\"\/car-insurance\/how-is-car-insurance-calculated\/\">factors<\/a>, including your age, location, the type and age of vehicle you drive, your driving record, other drivers on your policy and the amount of coverage you want.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"find-real-dairyland-car-insurance-quotes\">Dairyland car insurance rates<\/h2>\n\n\n\n<p>Here\u2019s a look at Dairyland\u2019s car insurance rates quoted for real Jerry customers:<\/p>\n\n\n\n<div data-show-load-more=\"false\" class=\"group wp-block-jerry-live-table\" data-wp-context=\"{&quot;data&quot;:[{&quot;averagePremiumAfterJerry&quot;:&quot;$423&quot;,&quot;carMakeAndBaseModel&quot;:&quot;Toyota Corolla Le&quot;,&quot;cityAndState&quot;:&quot;&lt;a href=\\&quot;\\\/car-insurance\\\/florida\\\/tampa\\\/\\&quot; title=\\&quot;Tampa, FL\\&quot;&gt;Tampa, FL&lt;\\\/a&gt;&quot;,&quot;soldAt&quot;:&quot;10\\\/12\\\/25&quot;},{&quot;averagePremiumAfterJerry&quot;:&quot;$297&quot;,&quot;carMakeAndBaseModel&quot;:&quot;Volvo Xc90 3.2 Awd&quot;,&quot;cityAndState&quot;:&quot;Boulder, CO&quot;,&quot;soldAt&quot;:&quot;11\\\/07\\\/25&quot;},{&quot;averagePremiumAfterJerry&quot;:&quot;$149&quot;,&quot;carMakeAndBaseModel&quot;:&quot;Chevrolet GMT-400 C1500&quot;,&quot;cityAndState&quot;:&quot;San Lorenzo, CA&quot;,&quot;soldAt&quot;:&quot;10\\\/22\\\/25&quot;},{&quot;averagePremiumAfterJerry&quot;:&quot;$78&quot;,&quot;carMakeAndBaseModel&quot;:&quot;Mitsubishi Mirage G4 Es&quot;,&quot;cityAndState&quot;:&quot;Hot Springs National Park, AR&quot;,&quot;soldAt&quot;:&quot;09\\\/24\\\/25&quot;},{&quot;averagePremiumAfterJerry&quot;:&quot;$148&quot;,&quot;carMakeAndBaseModel&quot;:&quot;Hyundai Accent Se&quot;,&quot;cityAndState&quot;:&quot;Inglewood, CA&quot;,&quot;soldAt&quot;:&quot;11\\\/10\\\/25&quot;}],&quot;isExpandable&quot;:false,&quot;isExpanded&quot;:true,&quot;limitForExpanding&quot;:null,&quot;searchText&quot;:null}\" data-wp-interactive=\"jerry\/live-table\" data-wp-init=\"callbacks.onInit\" data-wp-bind--data-show-load-more=\"state.showLoadMore\">\n  \n  <div class=\"relative max-md:mx-full-bleed block\">\n    <figure class=\"live-table-header wp-block-table sticky top-0 z-[2] !overflow-x-hidden bg-white md:static\">\n      <table>\n            <thead >\n      <tr>\n                  <th class=\"wp-block-table__cell-content\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Avg Monthly Quote  <\/div>\n<\/th>\n                  <th class=\"wp-block-table__cell-content\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Car Make and Model  <\/div>\n<\/th>\n                  <th class=\"wp-block-table__cell-content\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    City, State  <\/div>\n<\/th>\n                  <th class=\"wp-block-table__cell-content\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Date of Policy  <\/div>\n<\/th>\n              <\/tr>\n    <\/thead>\n          <\/table>\n    <\/figure>\n\n    <figure class=\"live-table-body wp-block-table overflow-auto group-data-[show-load-more=true]:pb-4\">\n      <table>\n            <thead class=\"pointer-events-none invisible select-none leading-[0]\">\n      <tr>\n                  <th class=\"wp-block-table__cell-content !h-0 !py-0\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Avg Monthly Quote  <\/div>\n<\/th>\n                  <th class=\"wp-block-table__cell-content !h-0 !py-0\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Car Make and Model  <\/div>\n<\/th>\n                  <th class=\"wp-block-table__cell-content !h-0 !py-0\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    City, State  <\/div>\n<\/th>\n                  <th class=\"wp-block-table__cell-content !h-0 !py-0\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Date of Policy  <\/div>\n<\/th>\n              <\/tr>\n    <\/thead>\n            <tbody>\n          <template data-wp-each=\"state.displayData\">\n            <tr>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.carMakeAndBaseModel\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"cityAndState\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.soldAt\"><\/td>\n                          <\/tr>\n          <\/template>\n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$423<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.carMakeAndBaseModel\">Toyota Corolla Le<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"cityAndState\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.soldAt\">10\/12\/25<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$297<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.carMakeAndBaseModel\">Volvo Xc90 3.2 Awd<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"cityAndState\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.soldAt\">11\/07\/25<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$149<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.carMakeAndBaseModel\">Chevrolet GMT-400 C1500<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"cityAndState\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.soldAt\">10\/22\/25<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$78<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.carMakeAndBaseModel\">Mitsubishi Mirage G4 Es<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"cityAndState\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.soldAt\">09\/24\/25<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$148<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.carMakeAndBaseModel\">Hyundai Accent Se<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"cityAndState\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.soldAt\">11\/10\/25<\/td>\n                          <\/tr>\n          \n        <\/tbody>\n      <\/table>\n    <\/figure>\n\n      <\/div>\n\n  \n  \n      <div class=\"flex flex-row my-3 gap-2 items-center font-body text-slate-500\">\n      <span class=\"iconify i--refresh text-sm\"><\/span>\n      <span class=\"text-xs\">Last Updated Dec. 5, 2025<\/span>\n    <\/div>\n  <\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"discounts\">Dairyland car insurance discounts<\/h2>\n\n\n\n<p>Dairyland offers a number of discounts that can save you money on your car insurance premium. Policyholders can lower their rates by:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Adding an anti-theft device to your vehicle.<\/li>\n\n\n\n<li>Insuring multiple vehicles.<\/li>\n\n\n\n<li><a href=\"\/car-insurance\/car-and-home-insurance\/\" data-type=\"car-insurance\" data-id=\"4140\">Bundling your auto insurance with a homeowners<\/a> or renters policy.<\/li>\n\n\n\n<li>Paying your <a href=\"\/car-insurance\/car-insurance-premium\/\" data-type=\"car-insurance\" data-id=\"61402\">premium<\/a> quarterly, every six months or annually.<\/li>\n\n\n\n<li>Completing a defensive driving course.<\/li>\n\n\n\n<li>Getting a quote at least one week before you need coverage to start.<\/li>\n\n\n\n<li>Transferring coverage from another insurer that you\u2019ve been with for six months or more.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"coverage-options\">Dairyland car insurance coverage options<\/h2>\n\n\n\n<p>Dairyland offers <a href=\"\/car-insurance\/types-of-car-insurance\/\">standard coverage types<\/a> including collision, comprehensive, bodily injury liability, property damage liability, medical payments, personal injury protection and uninsured\/underinsured motorist coverage.<\/p>\n\n\n\n<ul class=\"wp-block-jerry-accordion\">\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        Coverage definitions      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-left\" data-align=\"left\">Coverage<\/th><th class=\"has-text-align-left\" data-align=\"left\">Definition<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"\/car-insurance\/collision-insurance\/\">Collision insurance<\/a><\/td><td class=\"has-text-align-left\" data-align=\"left\">An optional coverage type that pays to repair or replace your car if it\u2019s damaged in a collision with another vehicle. You can only file an accident-related claim for your vehicle\u2019s repairs if your policy has collision coverage.<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"\/car-insurance\/comprehensive-insurance\/\">Comprehensive insurance<\/a><\/td><td class=\"has-text-align-left\" data-align=\"left\">An optional coverage type that covers damage to your vehicle caused by non-collision hazards, such as car theft, falling tree branches, hail and other unexpected events.<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"\/car-insurance\/bodily-injury-liability\/\"><\/a><a href=\"\/car-insurance\/bodily-injury-liability\/\">Bodily injury liability (BI)<\/a><\/td><td class=\"has-text-align-left\" data-align=\"left\">Pays others\u2019 medical costs in an accident you cause, up to your policy limits. It\u2019s mandatory in most states.<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"\/car-insurance\/property-damage-liability-car-insurance\/\"><\/a><a href=\"\/car-insurance\/property-damage-liability-car-insurance\/\">Property damage liability (PD)<\/a><\/td><td class=\"has-text-align-left\" data-align=\"left\">Pays for repairs or replacements of any vehicles or objects you damage in a crash, up to your policy limits. It\u2019s mandatory in most states.<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"\/car-insurance\/personal-injury-protection-insurance\/\">Personal injury protection (PIP)<\/a><\/td><td class=\"has-text-align-left\" data-align=\"left\">Helps cover medical expenses for you and your passengers after a car accident, regardless of who caused it. This is required in some states.<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"\/car-insurance\/what-is-medical-payments-coverage\/\">Medical payments<\/a><\/td><td class=\"has-text-align-left\" data-align=\"left\">Additional coverage outside of PIP that pays for medical care for you and your passengers after an accident, regardless of who caused it. This is optional in most states.<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"\/car-insurance\/uninsured-motorist-coverage\/\"><\/a><a href=\"\/car-insurance\/uninsured-motorist-coverage\/\">Uninsured\/underinsured motorist coverage (UM\/UIM)<\/a><\/td><td class=\"has-text-align-left\" data-align=\"left\">Covers you, your passengers and any property damage in a case where the other driver is at fault but doesn\u2019t have insurance, or carries insufficient coverage to pay for your costs. This is required in some states.<\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div>\n  <\/div>\n<\/li>\n<\/ul>\n\n\n\n<p>Dairyland also offers the following optional coverages:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Non-owner insurance<\/strong> for drivers who frequently borrow or rent vehicles but don\u2019t own a car, or drivers who don\u2019t own a car but are required to maintain an SR-22 or FR-44 certificate.<\/li>\n\n\n\n<li><strong>Gap coverage<\/strong>, also known as loan\/lease payoff insurance, which covers the difference between what you owe on a financed or leased vehicle and what it\u2019s worth if stolen or totaled.<\/li>\n\n\n\n<li><strong>Rental car reimbursement<\/strong> covers the cost of a rental car while your vehicle is being repaired.<\/li>\n\n\n\n<li><strong>Roadside assistance<\/strong> pays for on-the-road help, such as towing and lock-out services, tire changes and fuel delivery.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"insurance-ratings\">Industry ratings of Dairyland car insurance<\/h2>\n\n\n\n<p>Dairyland received an average number of consumer complaints and has a Superior AM Best financial strength rating.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Rating<\/strong><\/td><td><strong>Dairyland&#8217;s score<\/strong><\/td><\/tr><tr><td>NAIC consumer complaint index<\/td><td>Moderately high.<\/td><\/tr><tr><td>AM Best<\/td><td>A+.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<ul class=\"wp-block-jerry-accordion\">\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        <strong>NAIC details<\/strong>      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>From 2021 to 2023, Dairyland has received an average or moderately high complaint index on private passenger policies from the National Association of Insurance Commissioners (NAIC). This means that for its size and market share, Dairyland received roughly as many consumer complaints as was expected, or only slightly more. <\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-left\" data-align=\"left\">Qualitative rating<\/th><th class=\"has-text-align-left\" data-align=\"left\">3-year consumer complaint index<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\">High<\/td><td class=\"has-text-align-left\" data-align=\"left\">Above 1.5.<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Moderately high<\/td><td class=\"has-text-align-left\" data-align=\"left\">1 to 1.5.<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">About average<\/td><td class=\"has-text-align-left\" data-align=\"left\">Near 1.<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Moderately low<\/td><td class=\"has-text-align-left\" data-align=\"left\">1 to 0.5.<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Low<\/td><td class=\"has-text-align-left\" data-align=\"left\">0.5 to 0.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em><em>The <\/em><a href=\"https:\/\/content.naic.org\/\" target=\"_blank\" rel=\"noreferrer noopener\"><em>NAIC<\/em><\/a><em> is the member group for state insurance commissioners in the United States. It makes recommendations, analyzes insurer financial filings, maintains reporting and more for insurance regulators.<\/em><\/em><\/p>\n<\/div>\n  <\/div>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-jerry-accordion\">\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        <strong>AM Best details<\/strong>      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>AM Best gives Dairyland a financial strength rating of A+ (Superior), meaning it is expected to remain financially solvent and maintain its ability to pay out claims to customers.<\/p>\n\n\n<div class=\"infogram-embed\" data-id=\"b36e2270-b29e-40e0-ac60-af935e32ea74\" data-type=\"interactive\" data-title=\"AM Best Ratings\"><\/div><script>window.addEventListener('DOMContentLoaded',()=>{!function(e,n,i,s){var d=\"InfogramEmbeds\";var o=e.getElementsByTagName(n)[0];if(window[d]&&window[d].initialized)window[d].process&&window[d].process();else if(!e.getElementById(i)){var r=e.createElement(n);r.async=1,r.id=i,r.src=s,o.parentNode.insertBefore(r,o)}}(document,\"script\",\"infogram-async\",\"https:\/\/e.infogram.com\/js\/dist\/embed-loader-min.js\");})<\/script>\n\n\n<p><a href=\"https:\/\/web.ambest.com\/home\" target=\"_blank\" rel=\"noreferrer noopener\"><em>AM Best<\/em><\/a><em> is a credit rating agency that specializes in insurers\u2019 ability to meet their financial obligations.<\/em><\/p>\n<\/div>\n  <\/div>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"customer-reviews\">Dairyland auto insurance customer reviews<\/h2>\n\n\n\n<p>Hundreds of Jerry customers who have used and reviewed<strong> <\/strong>Dairyland\u2019s auto insurance have rated the company well.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" src=\"https:\/\/getjerry.com\/wp-content\/uploads\/2024\/12\/Screenshot-2024-12-05-at-9.47.42\u202fAM-1024x208.png\" alt=\"\" class=\"wp-image-45664\"fetchpriority=\"low\" loading=\"lazy\"><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"contact\">How to contact Dairyland<\/h2>\n\n\n\n<p>Policyholders can manage their accounts and file claims online. Prospective customers can get a quote via the insurer\u2019s website or a local agent. If you prefer to speak to a representative, here are the insurer\u2019s phone numbers and hours of operation.&nbsp;<\/p>\n\n\n\n<p><strong>Get a quote: <\/strong>Call 888-344-4357. Representatives are available Monday through Friday from 6 a.m. to 9 p.m. CT and Saturday from 7 a.m. to 6 p.m..&nbsp;<\/p>\n\n\n\n<p><strong>Customer service:<\/strong> 800-334-0090.<\/p>\n\n\n\n<p><strong>File a claim:<\/strong> 800-334-0090. Claims can be filed 24\/7.<\/p>\n\n\n\n<div class=\"!mbs-12 !mbe-12 wp-block-jerry-faqs\">\n  <!-- Title -->\n    <h2 class=\"medium-title text-black mb-1.5 pt-12 uppercase\">\n    FAQs  <\/h2>\n  \n  <!-- Accordion -->\n  \n<div class=\"max-w-screen-lg my-6 [&amp;_li:last-child]:border-b-0\">\n<ul class=\"wp-block-jerry-accordion\">\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        Is Dairyland a reputable insurance company?      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>Dairyland has been offering insurance coverage for over 70 years and currently serves customers in 49 states. The company has an A+ financial strength rating from AM Best along with thousands of positive customer reviews on Trustpilot and Jerry.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n\n\n\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        How long is the Dairyland insurance grace period?      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>If you miss a payment, you typically have a grace period of 10 to 15 days before your coverage is cancelled. Make your payment in this window to avoid a lapse in coverage, which can result in added penalties and fees.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n<\/ul>\n<\/div>\n\n  <!-- Contact link -->\n  <\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n\n<p>We looked at over 400,000 actual policies quotes from real Jerry customers during 2024 across 24 different insurance companies. The pricing data included both those with clean driving records as well as those with a violation.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">How we rate car insurance companies<\/h3>\n\n\n\n<p>Jerry\u2019s team of car insurance expert writers and editors analyze real customer ratings and industry reports to get a holistic view of an insurer\u2019s performance. Our rubric emphasizes the shopping and claims experiences, customer complaints and reviews, repair shops\u2019 evaluations of insurers, policy and quote pricing, and state availability.<\/p>\n\n\n\n<p>We regularly reassess insurers\u2019 star ratings and fact-check these reviews to ensure they\u2019re accurate and up-to-date.<br>These individual factors roll up into one weighting system as follows:<br>20% Financial strength.<br>20% Complaints.<br>20% Industry ratings.<br>20% Customer ratings.<br>20% Cost and discounts.<\/p>\n\n\n<div class=\"infogram-embed\" data-id=\"d90dc561-6db9-4e6c-830b-45df4dfa0d8c\" data-type=\"interactive\" data-title=\"Methodology\"><\/div><script>window.addEventListener('DOMContentLoaded',()=>{!function(e,n,i,s){var d=\"InfogramEmbeds\";var o=e.getElementsByTagName(n)[0];if(window[d]&&window[d].initialized)window[d].process&&window[d].process();else if(!e.getElementById(i)){var r=e.createElement(n);r.async=1,r.id=i,r.src=s,o.parentNode.insertBefore(r,o)}}(document,\"script\",\"infogram-async\",\"https:\/\/e.infogram.com\/js\/dist\/embed-loader-min.js\");})<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Dairyland may offer affordable car insurance rates to \u201chigh-risk\u201d drivers, and some coverage add-ons are available. Read our expert Dairyland review and compare offers.<\/p>\n","protected":false},"author":19,"featured_media":45593,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"single-reviews","meta":{"jerry_authors":"[{\"id\":\"372\",\"type\":\"main-author\"},{\"id\":\"370\",\"type\":\"editor\"},{\"id\":\"187\",\"type\":\"reviewer\"}]","jerry_author_ids":[372],"jerry_idx_page_label":"","jerry_meta_desc":"Dairyland may offer affordable car insurance rates to \u201chigh-risk\u201d drivers, and some coverage add-ons are available. Read our expert Dairyland review and compare offers.","jerry_related_posts":"[17879,2094,10176,15377,30552]","jerry_summary":"","inline_featured_image":false,"_lmt_disableupdate":"yes","_lmt_disable":"","footnotes":""},"categories":[645],"tags":[31],"class_list":["post-45662","reviews","type-reviews","status-publish","has-post-thumbnail","hentry","category-car-insurance","tag-car-insurance"],"_links":{"self":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/reviews\/45662","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/reviews"}],"about":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/types\/reviews"}],"author":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/users\/19"}],"replies":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/comments?post=45662"}],"version-history":[{"count":34,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/reviews\/45662\/revisions"}],"predecessor-version":[{"id":53831,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/reviews\/45662\/revisions\/53831"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/media\/45593"}],"wp:attachment":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/media?parent=45662"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/categories?post=45662"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/tags?post=45662"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}