Dairyland Insurance FAQ
You have three convenient options:
Online: Use the Quick Pay option—no login required—just your policy number. Or log into your Dairyland account to pay, view your bill, and manage settings
Mobile App: Download the Dairyland® app (iOS or Android) to pay instantly using credit/debit card, or checking/savings accounts
By Phone: Call 800‑334‑0090 to make 24/7 payments without fees
Dairyland holds an A+ (Superior) financial strength rating from A.M. Best, with a stable outlook as of June 14, 2024. Their long‑term issuer credit rating is also “aa‑” (Superior)
What this means: They have a very strong ability to pay claims—even in tough economic times.
Get a personalized quote from Dairyland (online, agent, or phone).
Compare quotes from standard insurers like GEICO, State Farm, or Progressive—these can often be $100–200/month cheaper for similar coverage
Ask about discounts: bundling, safe driving, payment frequency, etc.
Dairyland Insurance’s origins date back to 1953, when it was founded as Dairyland Mutual Insurance Company of Wisconsin by professor Stuart Struck, specializing in non‑standard auto coverage for drivers unable to secure standard policies
Here’s a brief timeline for clarity:
1953: Founded in Wisconsin as Dairyland Mutual
1965–1966: Transitioned to Dairyland Insurance Company and was acquired by Sentry Insurance
Since then: It’s operated under Sentry (A+ rated by A.M. Best) as a specialist in non‑standard auto and motorcycle insurance
Grace period length: Generally 10 to 15 days from the missed payment date before cancellation takes effect.
Policy renewal: If missing a renewal payment, the policy might expire immediately, without a grace period.
Late fees: Even within the grace window, late-payment fees may apply.
State regulations: Exact grace period and notifications depend on state laws and your policy terms—your insurer is required to provide advance notice before cancellation
Here are the states where Dairyland Insurance offers standard auto insurance:
Available for standard auto policies (38 states):
Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Maine, Maryland, Minnesota, Mississippi, Missouri, Nebraska, Nevada, New Mexico, North Carolina, Ohio, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming
1. Focus on Non-Standard Drivers
Dairyland specializes in:
Drivers with SR‑22/FR‑44 filings
Poor driving history (e.g., DUIs, multiple accidents)
No prior insurance
Lapses in coverage
Because other insurers charge much more (or deny coverage) for these customers, Dairyland’s willingness to insure them at competitive rates seems “cheap” by comparison—even if the premiums are high relative to standard coverage.
2. Flexible Coverage Options
They offer state-minimum liability-only plans, which are cheaper than full coverage.
Policies often come with low down payments and monthly billing to ease affordability.
3. Limited Discount Structure
While companies like GEICO or State Farm offer 10+ discounts, Dairyland keeps things basic—focusing more on upfront affordability than bundling savings.
4. Efficient Operations, Fewer Overhead Costs
Dairyland:
Has a lean business model geared toward online and agent-direct sales.
Avoids large ad budgets or brick-and-mortar offices, especially compared to big-name insurers.
5. Niche Market Strategy
Dairyland isn’t trying to compete for the average suburban driver with perfect credit—it focuses on those who need coverage to drive legally, especially after a license suspension, DUI, or lapse in insurance.
The FR‑44 form has a small administrative cost of $15–25, but Dairyland doesn’t charge you separately for this in FL—it’s included in your policy dairylandinsurance.com.
However, your overall premium will increase significantly—usually comparable to SR‑22 filings and other high-risk insurance policies. You’re paying for the higher liability limits and risk profile, not the form itself.
As FR44 & SR22 Insurance Experts, we recommend you start by filling out our free online quote form at:
https://myfloridafr44.com/cheap-florida-fr44-quotes/
Whether you need a Dairyland FR44 policy, an SR22 filing, or you’re just comparing options, our system connects you with real quotes from multiple trusted carriers—including Dairyland—without any cost or obligation.
We’re specialists in Florida FR44 and SR22 insurance.
We work directly with top companies like Dairyland, which lets us provide instant quotes at no cost to you.
There are no fees to get a quote, and many of the policies we offer include free same-day electronic filing of your FR44 or SR22 certificate with the Florida DMV.
Your name and ZIP code
Whether you own a car or need non-owner insurance
A little information about your driving history
That’s it—no credit card, no spammy calls
Once you submit the form:
You’ll receive quotes from multiple insurers, including Dairyland if you’re eligible.
Our licensed agents can help you choose the best policy for your situation.
If you purchase, your FR44 or SR22 is filed electronically the same day so you can get back on the road legally.