4/5
Service Evaluation
Key Takeaway: Dairyland (Expert Score: 4.0/5.0)
Our expert panel rated Dairyland 4.0/5.0, driven by its 85% score in Reputation and Services. The company has provided specialized coverage since 1953, with motorcycle policies starting at $15 per month across 48 states. While excellent for high-risk riders needing SR-22 filings, customers frequently report billing disputes and mobile application glitches.
Dairyland earns an Expert Score of 4.0/5.0 from BestGuide, ranking it as a reliable specialty option for riders who need non-standard coverage. In this Dairyland review, we evaluate the company’s policy structures, pricing, and historical performance to help you find the best motorcycle insurance for your profile. We analyzed multiple Dairyland reviews and claims data to isolate the actual value provided to policyholders.
If you want to evaluate other options, you can compare Dairyland with other top-rated motorcycle insurance companies to see how it stacks up.
How Dairyland Works
To begin, you can request a Dairyland motorcycle insurance quote online or through an independent broker. The process requires your vehicle identification number and riding history, typically generating a rate estimate in under 5 minutes.
Once you receive your quote, you can customize your limits and deductibles. The platform allows you to choose liability limits up to $250,000 per person and $500,000 per accident. You can lower your premium using Dairyland motorcycle insurance discounts, which reward safety course completion and multi-policy accounts.
Policyholders manage accounts via an online portal or a mobile application. Payments are processed monthly or annually, though some users report a $5 convenience fee for installment payments. They specialize in auto and motorcycle insurance policies for high-risk drivers who struggle to find standard coverage.
Who Dairyland Is Best For
Dairyland is best for high-risk riders who have DUI violations, multiple speeding tickets, or require an active SR-22 filing to maintain their motorcycle license. It is not ideal for riders looking for cheap motorcycle insurance with clean driving records, as standard carriers usually offer lower premiums for low-risk profiles.
Dairyland Standout Features
Special Equipment Coverage: Dairyland provides optional special equipment coverage for safety apparel and custom motorcycle parts, allowing riders to protect their aftermarket upgrades.
Physical Damage Coverage Options: The brand covers various vehicle types, including Dairyland dirt bike insurance, Dairyland scooter insurance, and Dairyland electric motorcycle insurance, supporting niche riders in 48 states.
Flexible Payment Plans: Policyholders can select customized payment schedules, helping individuals on fixed budgets manage their motorcycle insurance cost effectively.
Dairyland Pros and Cons
| Pros | Cons |
|---|---|
| Low Starting Rates: Basic liability plans start at $15 per month. | App Glitches: The mobile app has a low 2.7 rating due to login and credential saving issues. |
| High-Risk Coverage: Provides SR-22 and FR-44 filings instantly across 48 states. | Hidden Fees: Users report broker fees that make actual payments higher than initial quotes. |
| Customization: Offers optional special equipment coverage for custom parts. | Geofencing: Coverage is completely unavailable in 2 US states. |
Is Dairyland Legit? A Dairyland Review
Dairyland is a fully legitimate insurance provider founded in 1953 as Dairyland Mutual Insurance Company of Wisconsin. Sentry Insurance acquired the brand in 1966, providing strong backing from Sentry Insurance Group, which maintains an A+ financial strength rating from AM Best. The company’s headquarters remain in Stevens Point, Wisconsin.
The carrier specializes in non-standard auto and motorcycle insurance, meaning they legally write policies for high-risk drivers whom other companies reject. While some policyholders report customer service friction, the company has paid out claims for over 70 years.
Dairyland BestGuide Rating
Our expert panel evaluated Dairyland using our standardized five-point methodology, resulting in a BestGuide Rating of 4.0/5.0. This score reflects strong performance in Reputation (85%) and Services (85%), balanced by lower marks in Transparency (75%) and Customer Satisfaction (75%).
The company’s Scalability scored 80% because it serves 48 states rather than the entire country. Compared to the motorcycle insurance vertical average of 4.2/5.0, Dairyland ranks slightly lower overall but remains a premier choice for high-risk individuals who struggle to secure standard policies.
Dairyland Cost: What You Should Expect to Pay
The starting motorcycle insurance cost at Dairyland is $15 per month for minimum liability. However, custom motorcycle insurance options or high-risk profiles can increase rates significantly. Understanding the Dairyland motorcycle insurance cost is essential before committing to a plan.
Our research shows that the average cost for standard coverage ranges from $15 to $85 per month depending on age, driving record, and location. This places Dairyland in the mid-to-high range for standard riders, but in the lower range for high-risk drivers. For riders with modified bikes, custom motorcycle insurance Dairyland offers solid financial protections.
| Driver Profile | Estimated Monthly Cost |
|---|---|
| Clean Record (Liability Only) | $15-$30 |
| Clean Record (Full Coverage) | $45-$75 |
| High-Risk / SR-22 (Full Coverage) | $80-$150+ |
Final Verdict: Dairyland Review
Dairyland earns an Expert Score of 4.0/5.0 in our Dairyland review. Its greatest strengths are its A+ financial backing from AM Best and its low starting rate of $15 per month for high-risk drivers. However, real limitations exist, including a mobile application rated under 3.0 stars and broker fees that can increase your overall motorcycle insurance cost.
We recommend comparing options if you have a clean driving record, as you can likely find lower rates elsewhere. We suggest reading multiple Dairyland reviews to prepare for potential customer support challenges. Before committing, see our full Buyers Guide for the best motorcycle insurance companies to find the right coverage for your budget.
Frequently Asked Questions About Dairyland
What do experts say about Dairyland?
BestGuide’s expert panel awards Dairyland an Expert Score of 4.0/5.0, noting its excellent reputation for covering high-risk riders but penalizing its overall customer service scores.
Is Dairyland worth it in 2026?
Yes, Dairyland is worth it if you require an SR-22 filing or have multiple violations on your record, as policies start at just $15 per month. However, riders with clean histories can find better value elsewhere.
How does Dairyland compare to other motorcycle insurance companies?
Dairyland has an A+ financial rating, which matches major insurers like Progressive, but its customer service score of 75% is lower than the industry average of 82%.
How much does Dairyland motorcycle insurance cost?
A basic policy starts from $15 per month, though high-risk drivers requiring full coverage typically pay between $80 and $150 per month.
What states is Dairyland insurance available in?
Dairyland motorcycle coverage is available in 48 US states, leaving riders in the remaining 2 states to seek coverage from alternative providers.