On this page13 sections
- Ratings and complaints
- Dairyland vs. competitors
- Pricing
- Step by step
- Dairyland motorcycle insurance legitimacy and licensing
- Dairyland motorcycle insurance cost
- What Dairyland motorcycle insurance covers
- Dairyland reviews and complaints
- How to lower your Dairyland motorcycle rate
- Who should look elsewhere
- What customers say
- Alternatives
- FAQ
Dairyland motorcycle insurance is often one of the cheapest choices: ValuePenguin's 2026 sample quotes averaged $22 a month for full coverage, against a $33 national average, and Dairyland advertises rates from $15 a month. It is legitimate coverage written by members of the Sentry Insurance Group, which AM Best rates A+ (Superior). The tradeoff is service: ValuePenguin found 60% more complaints than average for an insurer its size, and its iPhone app rates 2.4 out of 5. Get a quote if price is your priority, but compare at least two other insurers with the same limits.
- Insurer
- Dairyland brand, underwritten by Sentry Insurance Group members including Dairyland Insurance Company and Viking Insurance Company of Wisconsin; Stevens Point, WI2
- Financial strength
- Sentry: AM Best A+ (Superior), as of June 2026, the date given on the company's site, per Dairyland1
- Advertised price
- From $15 a month, as listed October 2026; depends on your state, record, bike and coverage1
- Average full coverage (ValuePenguin 2026)
- $22 a month, versus a $33 national average5
- Optional coverages
- Special equipment, replacement cost (bikes 2 model years old or newer), roadside assistance, trip interruption (100+ miles from home), rental reimbursement, Physical Damage Plus (original parts)3
- Other options
- Seasonal coverage in some areas; agreed value for bikes 25 years or older; bundling with ATV, UTV, dirt bike and snowmobile policies3
- Discounts
- Multi-cycle, Harley Owners Group member, home ownership; rider training course and paying in full may also lower costs, varying by state1
- Claims
- Online, in the app or at 800-334-00904
Pros
- Often among the cheapest quotes, $22 a month on average in ValuePenguin's 2026 study
- Backed by Sentry, rated A+ (Superior) by AM Best
- Optional replacement cost, trip interruption and original-parts coverage
- Seasonal and vintage bike options
- Has insured motorcycles since 1966
Cons
- 60% more complaints than average for its size, per ValuePenguin
- Special equipment limits are not published
- Dairyland app rates 2.4 out of 5
- Advertised $15 a month applies only to some riders and minimal coverage
- Reviewers mention late payment and cancellation fees
Best for: Price-focused riders, including those with tickets or little insurance history, who want a low premium and agent help.
Skip it if: Smooth claims service matters most to you, or your bike has expensive upgrades you want covered without extra cost.
Dairyland vs. competitors
| Company | Full coverage average (ValuePenguin) | Custom parts | Complaint note (ValuePenguin) | Next step |
|---|---|---|---|---|
| Dairyland | $22 a month | Optional special equipment; limits not published | 60% more complaints than average for its size | Visit site |
| Progressive | $23 a month | $3,000 included, up to $30,000 | 35% fewer complaints than average for its size | Visit site |
| GEICO | $36 a month | $2,000, more available | Among companies with a low number of complaints | Visit site |
| Allstate | $37 a month | $1,000, up to $30,000 | Among companies with a low number of complaints | Visit site |
Motorcycle insurance companies we reviewed
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Dairyland This review BestGuide rating: 4.0 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Price-focused riders, including those with tickets or little insurance history, who want a low premium and agent help. -
Progressive BestGuide rating: 4.5 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Drivers with a DUI or other mark on their record, and shoppers who want to compare several prices online or buy through an independent agent. -
GEICO BestGuide rating: 4.6 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Good drivers, drivers with poor credit, and military or federal employees who are comfortable buying and managing a policy online. -
State Farm BestGuide rating: 4.6 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. -
USAA BestGuide rating: 4.6 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Service members, veterans and their families who want insurance and fee-free banking from one company built around military life. -
Nationwide BestGuide rating: 4.5 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Drivers who want an agent, plan to bundle home and auto, and will use SmartRide or SmartMiles to bring the price down. -
Allstate BestGuide rating: 4.6 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Drivers and homeowners who want a local agent, plan to bundle several policies and are willing to pay more for that service.
Dairyland pricing at a glance
Average full coverage motorcycle insurance quotes, ValuePenguin 2026 study5
| Company | Average monthly cost |
|---|---|
| Dairyland | $22 |
| USAA (military families only) | $22 |
| Progressive | $23 |
| Harley-Davidson | $24 |
| GEICO | $36 |
| Allstate | $37 |
| National average | $33 |
Sample quotes for one rider profile; your price depends on your state, age, bike, record and limits. Dairyland advertises rates from $15 a month for some riders, as listed October 2026.
Dairyland, step by step
Get a quote
Have the bike's year, make, model and VIN ready and answer questions about upgrades, storage and rider courses. You can quote online, by phone or through an agent.
Choose coverages and deductibles
Meet your state's minimum, then add collision, comprehensive, uninsured motorist and options like special equipment or replacement cost.
Ask about discounts
Mention other bikes, a rider training course, Harley Owners Group membership, home ownership and paying in full.
Manage your policy
Pay bills, view ID cards and file claims online or in the Dairyland app, or call 800-334-0090.
Change or cancel
Before dropping coverage in winter, ask about seasonal options so a stored bike stays protected from theft and damage.
Dairyland motorcycle insurance legitimacy and licensing
Yes. Dairyland is a brand of the Sentry Insurance Group of Stevens Point, Wisconsin. Its policies are written by Sentry companies including Dairyland Insurance Company, Dairyland National Insurance Company, Dairyland County Mutual of Texas and Viking Insurance Company of Wisconsin. Dairyland says Sentry has held an A+ (Superior) financial strength rating from AM Best every year since 1992, most recently confirmed in June 2026.
Dairyland started in 1953 as a specialty insurer for drivers who could not get standard coverage, and it has insured motorcycles since 1966. Its complaint record is the weak spot: ValuePenguin’s 2026 study found 60% more complaints than average for an insurer its size, and the BBB lists 151 complaints in three years for parent Sentry Insurance Company.
Dairyland motorcycle insurance cost
Dairyland advertises motorcycle coverage from $15 a month, as listed October 2026. That rate is for low-risk riders with minimal coverage. In ValuePenguin’s 2026 study of full coverage quotes, Dairyland averaged $22 a month, tied with USAA and below Progressive ($23), Harley-Davidson ($24), GEICO ($36) and Allstate ($37). The national average in that study was $33.
Your price depends on where you live, your riding history, your bike, the limits and deductibles you choose, and whether you insure year-round. Sport bikes and high-horsepower models usually cost more than standard bikes. Get quotes with the same limits from at least three insurers.
What Dairyland motorcycle insurance covers
Core coverages include bodily injury and property damage liability, guest passenger liability, collision, Comprehensive. Covers non-crash damage such as theft, fire, vandalism and weather. Compare motorcycle insurance companies, medical expense or PIP, and uninsured and underinsured motorist coverage, depending on your state.
Optional coverages include:
- Special equipment for aftermarket parts like exhausts, saddlebags and chrome.
- Replacement cost, which pays for a brand-new bike if yours is two model years old or newer and is totaled.
- Physical Damage Plus, for repairs with original manufacturer parts.
- Roadside assistance, trip interruption (lodging and meals if you break down more than 100 miles from home) and rental reimbursement.
It also offers seasonal coverage in some areas, agreed value on bikes 25 years or older, and bundles with ATV, UTV, dirt bike and snowmobile policies. Dairyland does not publish its special equipment limits, so ask for the dollar amount in writing.
What customers say about Dairyland
Recurring themes across the review sites and complaint records listed above, not individual quotes.
Common praise
- Helpful, courteous agents and phone staff
- Low prices compared with other quotes
- Fast, simple sign-up and policy changes
- Easy online account management
Common complaints
- Hard-to-reach claims adjusters and slow communication
- Late payment and cancellation fees
- Billing confusion and trouble getting documents
- Rates that rose or were higher than expected for some policies
Dairyland reviews and complaints
Customer reviews are better than the regulator-based complaint data. On Trustpilot, Dairyland scores 4.4 out of 5 from 10,370 reviews across all its products, with 75% five star and 8% one star. Reviewers praise helpful staff, low prices and quick sign-up.
Complaints center on hard-to-reach adjusters and slow claims communication, late payment and cancellation fees, billing confusion and trouble getting documents. ValuePenguin’s analysis of insurer complaint data found 60% more complaints than average for Dairyland’s size, and the Dairyland iPhone app averages 2.4 out of 5 from 47 ratings.
If a claim stalls, ask for your adjuster’s name and a written explanation, and contact your state insurance department if it is not resolved.
How to lower your Dairyland motorcycle rate
- Insure more than one bike on the policy for the multi-cycle discount.
- Tell Dairyland if you belong to the Harley Owners Group or own a home.
- Take an approved rider training course.
- Pay in full if your state allows it.
- Raise your collision and comprehensive deductibles to an amount you could pay tomorrow.
- Ask about seasonal coverage instead of canceling in winter, so theft and storage damage stay covered.
Who should look elsewhere
- Riders who want fewer service problems: Progressive had a similar average price and 35% fewer complaints than average in ValuePenguin’s study.
- Riders with costly upgrades: Progressive includes $3,000 of custom parts coverage, while Dairyland’s special equipment limits are not published.
- Military families: USAA matched Dairyland’s $22 average.
- Anyone who wants one insurer for car and bike: check whether your car insurer offers a multi-policy discount first.
Alternatives to Dairyland
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Nearly the same average price ($23) with $3,000 of custom parts coverage included and fewer complaints than average.
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Matches Dairyland's $22 average if you are eligible through military service or family.
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Costs more on average but is easy to bundle with a GEICO car policy.
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Liability-only coverage
For an older, paid-off bike, carrying only your state's required liability can cost far less, though your own bike is not covered.
Dairyland reviews
Written by readers, read by our moderators, never edited by the company.
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Frequently asked questions
Is Dairyland a good motorcycle insurance company?
It is a good choice on price: it averaged $22 a month for full coverage in ValuePenguin's 2026 study, below the $33 national average. Its service record is weaker, with 60% more complaints than average for its size.
Who owns Dairyland Insurance?
Sentry Insurance of Stevens Point, Wisconsin. Dairyland policies are written by members of the Sentry Insurance Group, including Dairyland Insurance Company and Viking Insurance Company of Wisconsin.
How much is Dairyland motorcycle insurance?
Dairyland advertises rates from $15 a month for some riders. ValuePenguin's 2026 sample quotes averaged $22 a month for full coverage; your rate depends on your state, bike, age and record.
Is Dairyland good for high-risk riders?
Dairyland began as a specialty insurer for drivers who could not get standard coverage because of poor records, little experience or no prior insurance, so it is used to quoting those riders. Compare its quote with Progressive's.
What is Dairyland's AM Best rating?
Dairyland says its parent, Sentry, has an A+ (Superior) financial strength rating from AM Best, as of June 2026, the date given on the company's site, and has held it every year since 1992.
Does Dairyland cover custom parts?
Yes, through optional special equipment coverage for aftermarket parts like exhausts and saddlebags. Dairyland does not publish the limit, so confirm the amount when you buy.
Does Dairyland offer replacement cost coverage?
Yes. Optional replacement cost coverage pays for a new motorcycle if yours is two model years old or newer and is declared a total loss.
Does Dairyland offer seasonal motorcycle insurance?
In some areas, yes. Seasonal options can lower your cost while keeping coverage on a stored bike.
How do I file a Dairyland motorcycle claim?
Log in to your account or the Dairyland app, or call 800-334-0090. People in an accident with a Dairyland customer can report a claim as a guest online.
What discounts does Dairyland offer on motorcycle insurance?
Dairyland lists multi-cycle, Harley Owners Group and home ownership discounts, and says a rider training course, a higher deductible or paying in full may lower costs. Availability varies by state.
Sources (9)
Facts on this page come from company websites, government agencies and regulators, checked on the dates shown. Editorial standards
- Dairyland: Motorcycle insurance (accessed October 12, 2026)
- Dairyland: Underwriting companies (accessed October 12, 2026)
- Dairyland: Motorcycle coverages (accessed October 12, 2026)
- Dairyland: Claims (accessed October 12, 2026)
- ValuePenguin: Best motorcycle insurance companies (2026) (accessed October 12, 2026)
- Dairyland: About Dairyland (accessed October 12, 2026)
- Trustpilot: Dairyland Insurance reviews (accessed October 12, 2026)
- BBB: Sentry Insurance Company (accessed October 12, 2026)
- Apple App Store: Dairyland (accessed October 12, 2026)
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