Dairyland Motorcycle Insurance Review & Ratings (2025)

Welcome to our comprehensive Dairyland Motorcycle Insurance Review & Ratings! In this article, we aim to provide you with valuable insights and unbiased information about Dairyland Motorcycle Insurance.

Our review covers key topics such as coverage options, pricing, customer satisfaction, claims process, and overall performance.

What types of motorcycle insurance does Dairyland offer?

Dairyland has several options for your motorcycle insurance needs. From liability to comprehensive, Dairyland offers as much coverage as you want to purchase.

It’s important to keep in mind that Dairyland specializes in high-risk drivers. You should probably look elsewhere if you have a clean record because Dairyland motorcycle insurance rates tend to be higher than those of competitors.

Dairyland’s insurance options include:

• Liability. This covers damage to other vehicles, people, and property if you are at fault for an accident. Most states require a minimum amount of liability to drive legally.
• Collision. While collision isn’t legally required, it’s generally recommended since it covers damage done in an accident.
• Comprehensive. Comprehensive covers damage from sources other than accidents, such as weather, vandalism, or theft. Most car loan lenders require comprehensive coverage.
• Uninsured/underinsured motorist. While it’s legally required to have insurance, not everyone does. If a driver hits you with inadequate insurance, this coverage can make up the difference.
• Personal injury protection and medical payments. This coverage helps pay for medical bills, lost wages, and other medical costs if you or your passengers are injured in an accident.

Dairyland’s available insurance is fairly standard, but they have several add-ons available for purchase.

• Towing and labor. This is a form of roadside assistance after a car accident.
• Special equipment. If you get customizations for your motorcycle, like special paint jobs, tires, modifications, or electronic additions, you can cover them with this add-on.
• Rental reimbursement. When your motorcycle is being repaired after an accident, this coverage covers the cost of a rental vehicle.

While it might not have the most extensive list of options, Dairyland can provide you with the basic insurance you need to keep your motorcycle (and yourself) safe on the streets.

Do you need motorcycle insurance?

A common question about motorcycles is whether you really need the coverage. The answer is yes.

For starters, motorcycles must have coverage in every state besides Florida, Washington, and Montana. If you cause an accident, the person or property you damage deserves compensation.

Motorcycles are far and away the most hazardous way to travel, but insurance can help you protect yourself and your bike. If you are involved in an accident and you’re at fault, you will be entirely responsible for paying for damages out of pocket.

Insurance also protects you against lawsuits. If you injure someone and they decide to sue you, your income and all your assets will be in jeopardy. It could affect you for life. Motorcycle insurance is your best bet if you want to avoid this risk.

Does Dairyland have additional types of motorcycle insurance available?

While Dairyland has the standard types of insurance, it does also offer a unique benefit. You can purchase replacement cost coverage for a motorcycle that is three years old or newer. Most other companies that provide this benefit only cover motorcycles for the first year.

Dairyland also offers a Safe Trip Motorcycle Program if you ride your motorcycle infrequently.

You can easily adjust your coverage throughout the year. This means that if you ride your motorcycle for only part of the year, you don’t have to pay for full coverage.

Finally, if you’re a visitor to the U.S., Dairyland can give you temporary motorcycle insurance for a period of up to three months.

Free Auto Insurance Comparison

Compare Quotes From Top Companies and Save

Auto Home Health Life Business Motorcycle Pet Medicare Rental

 Secured with SHA-256 Encryption

By clicking, you agree to our Terms of Use

What discounts does Dairyland offer for motorcycle insurance?

Like most companies, Dairyland has a lot of discounts policyholders can take advantage of. The Dairyland motorcycle insurance company has special discounts for Harley Davidson drivers and motorcycle club members.

One thing to keep in mind about these discounts is that you might face a total discount cap, where you won’t receive any further savings even if you’re eligible for more.

• Harley Owners Group (HOG). If you have a Harley Davidson and membership with HOG, you can save up to 15%.
• Multicycle. Insuring multiple motorcycles can save you up to 25%.
• Homeowners. If you own a condo, house, or mobile home and have insurance on it, you’ll be eligible for a discount of up to 20%. Your homeowners insurance doesn’t have to be through Dairyland.
• Loyalty. If you are an existing customer and add or replace a motorcycle, you can save 4%-8%.
• Rider groups. Dairyland has a list of affiliated clubs that they offer a 10% discount to.
• Rider safety courses. If you take an approved motorcycle safety course, you can save 2% on your bill. This discount lasts for five years before you’ll need to take the course again.

With this long list of valuable discounts, you’re sure to find affordable Dairyland motorcycle insurance quotes.

Dairyland Motorcycle Insurance Reviews

The National Association of Insurance Commissioners notes that Dairyland has lower customer service ratings than the national average for insurance companies. Complaints about Dairyland usually involve late payments after a claim, delays with settlements, and claim processing.

The best way to resolve any complaints you have as a customer is to call the Dairyland motorcycle insurance phone number and get ahold of an agent. You can also cancel or change your insurance coverage this way.

Despite lower ratings for customer service, Dairyland earns solid ranks from professional insurance rating companies. A.M. Best gives Dairyland an A+ for its financial strength.

Find the Best Motorcycle Insurance for Your Needs

Motorcycle insurance is integral to protecting your bike and yourself. Dairyland could have the best quotes for you if you’re a high-risk driver. However, if your driving record is clean, you’ll probably be better off elsewhere.

High-risk or clean record, you should always shop around for quotes to find the best rates possible. This is especially true if you want to buy Dairyland motorcycle insurance. If you want to see what quotes might look like for you, enter your ZIP code into our free tool today.