Dairyland motorcycle insurance has been protecting riders since 1966, making it one of the oldest dedicated bike insurers in the country. The policies are underwritten by a member of the Sentry Insurance Group, a carrier that holds an A+ (Superior) financial strength rating from AM Best. That combination matters to riders. You get a specialty insurer that understands bikes, backed by a balance sheet strong enough to pay claims. Dairyland writes coverage in roughly 38 states through independent agents and direct online quoting. It is best known for two things: rock-bottom liability-only pricing and a willingness to insure bikes that mainstream carriers turn away.
Dairyland Motorcycle Insurance Coverage Options
The core of Dairyland motorcycle insurance is standard but flexible. You get bodily injury and property damage liability, with limits available up to $250,000 per person and $500,000 per accident. Comprehensive and collision are optional, which is normal for bikes. Uninsured and underinsured motorist coverage is available in most states. Medical payments coverage helps with rider injuries regardless of fault. Guest passenger liability is a separate motorcycle-specific coverage. It protects the person riding on the back of your bike, which a standard liability limit does not always fully address.
Several add-ons are aimed squarely at riders. Optional and special equipment coverage insures aftermarket parts beyond factory standard. For example, custom exhaust, chrome, saddlebags, a windscreen or a custom paint job can be scheduled. The payout is based on the difference between the upgraded part’s value and the standard part it replaced. Replacement cost coverage is available on bikes less than three years old. As a result, a totaled newer bike can be replaced rather than depreciated. Roadside assistance and rental reimbursement round out the list.
Dairyland motorcycle insurance also covers a wide range of machines. That includes cruisers, sport bikes, touring bikes, trikes, custom and vintage builds, scooters, mopeds, dirt bikes, ATVs, UTVs and snowmobiles. However, coverage availability varies by state and by vehicle type. Riders with high-performance or heavily modified bikes should confirm specifics before binding. Dairyland also writes SR-22 filings, which is a genuine advantage. In most cases, riders with a DUI, a lapse in coverage or multiple violations can still get a policy here.
Dairyland Discounts Available
Discounts are where Dairyland motorcycle insurance gets competitive on price. The multi-bike discount applies when you insure more than one motorcycle on the same policy. A rider course discount rewards completion of an approved safety course, typically an MSF Basic or Advanced RiderCourse. There is also a motorcycle association discount for members of qualifying riding clubs. H.O.G. membership is the most commonly cited example. These three discounts alone can move a liability-only premium meaningfully.
Dairyland layers on several standard savings as well. A homeowner discount applies even if your home is insured elsewhere. A transfer discount rewards riders bringing prior continuous coverage from another carrier. A loyalty discount kicks in after roughly one year with Dairyland. Paying in full instead of monthly avoids installment fees. Advance quote discounts apply when you shop before your current policy expires. Anti-theft device discounts are available in many states for alarms and disabling devices.
The practical result is aggressive pricing. Liability-only Dairyland motorcycle insurance averages roughly $22 to $25 per month nationally. Some riders with clean records and small-displacement bikes see quotes starting near $15 per month. Full coverage averages around $42 per month, which several rate studies put roughly $16 below comparable Allstate full coverage. However, your actual rate depends on your age, bike, ZIP code and record.
Dairyland Customer Ratings and Satisfaction
The ratings picture is mixed, and riders should understand why. AM Best assigns an A+ (Superior) financial strength rating, the second-highest of 13 categories. On Trustpilot, Dairyland holds an “Excellent” rating of 4.4 out of 5 across thousands of reviews. MoneyGeek scored the carrier 4.6 out of 5 overall for motorcycle coverage, with a 4.5 for customer service. Dairyland is not BBB accredited, and the BBB profile carries a substantial volume of individual complaints.
NAIC complaint data tells two different stories. On the motorcycle side, Dairyland’s complaint ratio has been reported around 0.48, roughly 52% below the expected baseline for its size. On the combined auto book, published complaint indexes run much higher, in the 1.10 to 2.69 range depending on the year and source. That gap is important. Riders consistently report better experiences than Dairyland’s non-standard auto customers do.
J.D. Power does not publish a standalone motorcycle insurance satisfaction study that ranks Dairyland individually, so no J.D. Power score exists for this product. Claims can be filed 24/7 online, through the mobile app, or by phone at 800-334-0090. The app handles ID cards, payments, policy documents and first notice of loss. For example, riders can start a claim from the roadside. The most common complaint, however, is slow claim resolution on motorcycle losses.
Dairyland Pros and Cons
Pros:
- Some of the cheapest liability-only rates available, averaging near $22 to $25 per month.
- Insures bikes many carriers reject, including custom, vintage, salvage-title and high-performance machines, plus ATVs, UTVs and snowmobiles.
- Accepts high-risk riders and files SR-22 certificates, with motorcycle NAIC complaint ratios around 0.48.
Cons:
- Available in only about 38 states, so many riders cannot buy a policy at all.
- Frequent complaints about slow claims handling and adjuster communication.
- No bundling with a strong homeowners product, and overall NAIC complaint indexes on the auto book run above average.
Who Should Choose Dairyland?
Dairyland motorcycle insurance fits budget-focused riders first. If you own an older bike outright and only need state-minimum liability, the price is hard to beat. Seasonal riders in cold-weather states also do well here, since low base premiums soften the cost of months in storage. Riders who own several bikes, or a bike plus an ATV, can stack the multi-cycle discount.
📋 Get Free Insurance Guides
Free · No spam · Unsubscribe anytime
The second natural fit is the high-risk rider. Typically, a DUI, a lapsed policy or a stack of speeding tickets pushes riders into the non-standard market. Dairyland was built for that market and files SR-22s routinely. Owners of custom, chopped, vintage or salvage-title bikes belong in this group too. As a result, many riders find Dairyland after two or three declines elsewhere.
Who should look elsewhere? Riders with expensive late-model touring bikes who want white-glove claims service may prefer Progressive, Harley-Davidson Insurance or Markel. Riders who want to bundle a home, auto and bike policy under one carrier will not find that here. For example, a rider with a $40,000 Road Glide should weigh claims reputation more heavily than a $200 annual savings.
Frequently Asked Questions
Is Dairyland motorcycle insurance legitimate?
Yes. Dairyland has insured riders since 1966 and is part of the Sentry Insurance Group. Sentry carries an A+ (Superior) financial strength rating from AM Best.
Does Dairyland cover custom parts and aftermarket accessories?
Yes, through optional and special equipment coverage. It pays the difference between the custom part’s value and the factory part it replaced. Document your upgrades with receipts and photos before a loss occurs.
Will Dairyland insure me after a DUI?
In most cases, yes. Dairyland specializes in non-standard risks and files SR-22 certificates in the states where it operates. Expect a higher premium, but coverage is usually available.
Compare Insurance Rates
Ready to see if you could be paying less? Compare quotes from top insurers in your area. Getting multiple quotes is the most effective way to find a better rate.
(paid link)
Official Sources & Resources
For verified information on auto insurance companies and consumer protection:
- NAIC (National Association of Insurance Commissioners): naic.org
- Insurance Information Institute: iii.org
- National Highway Traffic Safety Administration (NHTSA): nhtsa.gov
- AM Best — Insurer Financial Strength: ambest.com
Content last reviewed July 2026. If you notice any outdated information, please contact us.