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What to Know
Dairyland car insurance is a legitimate option if you need a state filing or drive without owning a car. It also sells liability, collision, comprehensive, and gap-style coverage for financed vehicles. It's available in 38 states.
It isn't sold in Alaska, the District of Columbia, Hawaii, Louisiana, Massachusetts, Michigan, Montana, New Hampshire, New Jersey, New York, North Dakota, Oklahoma, and Rhode Island. Where it is sold, you can get a quote, buy a policy, and file a claim online.
An SR-22, or an FR-44 in Florida and Virginia, is a certificate your insurer files with the state to prove you carry the required coverage. It is not an insurance policy.
You still buy a regular policy, and the filing only confirms that the policy exists. When you compare quotes, you're comparing policy price.
Dairyland Auto Insurance
- Discounts
- 7
- Online Quotes
- Online Policy Purchase
Why We Like Dairyland
Dairyland offers SR-22 and FR-44 certificate filing along with non-owner insurance. That makes it practical if you have a filing requirement or no car of your own. A Transfer discount and online policy purchase make it easier to switch from another insurer without a round of phone calls.
Pros and Cons
Pros
- Offers gap insurance
- Buy a policy online
- File claims online
Cons
- Not sold in 12 states or D.C.
Solvable's Take on Dairyland Car Insurance
Dairyland makes the most sense for drivers whose situation narrows their options. If a court or your state has ordered you to carry an SR-22 or FR-44, you can get the policy and the filing from the same company, which removes one handoff where things can go wrong. If you borrow cars or rent regularly, non-owner car insurance gives you liability coverage without a vehicle on the policy. Liability coverage pays for damage you cause to other people.
Households with more than one car, homeowners, and drivers who take a defensive driving course each qualify for a listed discount. Car loan protection, which is gap-style coverage, can help if you owe more on a financed car than it's worth after a total loss. Optional 24/7 roadside assistance covers breakdowns. If you want to obtain a quote, buy a policy, and file claims online, Dairyland supports all three.
The limits are just as specific. Dairyland isn't an option in any of the 12 states and D.C. listed above.
A driver with a clean record will usually have more insurers competing for their business, so Dairyland is rarely the place that driver should stop. Drivers with an at-fault crash or a filing requirement will often see a higher number wherever they quote. You can't change the requirement on your record, but you can choose which insurer carries it, and insurers don't weigh the same violation the same way.
If Dairyland will take you when others won't, get a quote there, then get a second one, ideally from another insurer that also files SR-22s, for the same limits and deductibles.
Dairyland Car Insurance Discounts
Dairyland lists the discounts below, but which ones apply and how much they're worth vary by state and policy. Confirm which discounts show up on your actual quote before you count on them.
- Multi-Car
- Advanced Quote
- Homeowner
- Anti-Theft
- Transfer (for switching from another insurer)
- Payment Frequency (for paying in full or using autopay)
- Defensive Driving
Dairyland Car Insurance Coverage
Liability Coverage
Liability coverage pays for injuries and property damage you cause to other people in a crash. Nearly every state requires it, and an SR-22 or FR-44 filing usually certifies it.
Collision Coverage
Collision coverage pays to repair or replace your car after it hits another vehicle or an object, minus your deductible. Your lender will typically require it if your car is financed.
Comprehensive Coverage
Comprehensive coverage pays for damage that doesn't come from a crash, such as theft, weather, fire or hitting an animal, minus your deductible.
Uninsured/Underinsured Motorist Coverage
Uninsured/underinsured motorist coverage pays for your injuries when the at-fault driver has no insurance or not enough to cover your costs. In some states, it also pays for damage to your car.
Non-Owner Insurance
Non-owner insurance is liability coverage for people who drive but don't own a car, such as people who borrow or rent vehicles. It's often used to meet a filing requirement when you don't have a car to insure.
SR-22 and FR-44 Certificate Filing
With SR-22 and FR-44 certificate filing, Dairyland files the certificate with your state to prove you carry the required coverage. The FR-44 applies in Florida and Virginia and typically requires higher liability limits than an SR-22.
Frequently Asked Questions
Is Dairyland good car insurance?
Dairyland works well for drivers who need an SR-22 or FR-44 filed, or people who need non-owner coverage, in the 38 states where it sells policies. It also covers the standard list, including liability, collision, and comprehensive. If your record is clean and you don't need a filing, this carrier isn't for you, so compare quotes elsewhere before you buy.
Does Dairyland file SR-22s?
Yes. Dairyland offers SR-22 and FR-44 certificate filing as part of its coverage lineup. The certificate itself isn't insurance; it's a document the insurer sends to your state proving you carry the policy your state requires. FR-44 is the stricter version, used in Florida and Virginia, and it typically comes with higher liability limits than a standard SR-22.
What states is Dairyland not available in?
Dairyland doesn't sell policies in Alaska, Washington D.C., Hawaii, Louisiana, Massachusetts, Michigan, Montana, New Hampshire, New Jersey, New York, North Dakota, Oklahoma, Rhode Island.
Can I get Dairyland car insurance if I don't own a car?
Yes. Dairyland sells non-owner insurance, a liability-only policy for people who drive occasionally but don't own a vehicle themselves. It's commonly used to meet an SR-22 or FR-44 filing requirement when no car is registered in your name. If you regularly borrow or rent vehicles, this product fills that gap.
