Dairyland is a motorcycle insurer for riders with violations, accidents, or lapses in coverage

Dairyland Insurance specializes in motorcycle policies for riders who have been turned down or charged more by standard insurers. The company operates in most states and focuses on high-risk riders — people with DUIs, at-fault accidents, license suspensions, or gaps in prior coverage. Dairyland does not require a perfect driving record to get a quote, and you can often bind coverage the same day you explore.

The trade-off is cost. Dairyland premiums run higher than what a rider with a clean record would pay at a mainstream insurer. But if you have been declined elsewhere or are paying steep rates, comparing Dairyland's quote to others in your state can show you what the market actually offers for your situation.

Key Takeaways

  • Dairyland writes policies for riders with accidents, violations, or coverage lapses that other insurers decline or surcharge heavily.
  • Coverage types — liability, collision, comprehensive, uninsured motorist — are the same as any motorcycle policy; what differs is the price and underwriting.
  • You can get a quote online or by phone, and coverage can start within hours if you pay the first premium when ready.
  • Dairyland operates in most states but not all; check their website or call to confirm availability in your state and county.
  • Your actual rate depends on your age, riding history, the bike, where you park it, and what coverage limits you choose.

What coverage Dairyland offers and what it costs

Dairyland offers the standard motorcycle coverage types: liability (covers damage you cause to others), collision (covers damage to your bike from a crash), comprehensive (covers theft, weather, vandalism), and uninsured motorist (covers you if hit by someone without insurance). You choose your limits and deductibles, which directly affect your premium.

Dairyland does not publish a rate card online. Your quote depends on your state, age, the motorcycle model, where you store it, your riding history, and the coverage limits you select. A 25-year-old with one at-fault accident in Texas will pay far less than a 19-year-old with a DUI in California. The only way to know your actual cost is to request a quote with your specific details.

Because Dairyland targets high-risk riders, their base rates are higher than insurers that only take clean records. But they may still undercut other high-risk specialists in your state. Always compare quotes from at least two or three insurers before deciding.

How to get a Dairyland quote and start coverage

You can request a quote through Dairyland's website or by calling their phone line. You will need basic information: your age, state, the motorcycle's year and model, your driving history (accidents, violations, suspensions), and your current coverage status (insured or uninsured). Have your motorcycle's VIN handy — it speeds up the process.

Once you receive a quote, you can bind coverage when ready by paying the first premium. Dairyland will issue a binder (a temporary proof of insurance) right away, often within hours. Your full policy documents follow by mail or email. In most states, you can ride legally as soon as the binder is issued, but confirm this with your state's insurance commissioner if you are unsure.

If you need coverage to start on a specific date rather than when ready, tell the agent when you call. They can schedule the policy to begin on that date, though you still pay the premium upfront.

State availability and what to do if Dairyland does not write in your state

Dairyland operates in most states but not all. Some states restrict how insurers can underwrite high-risk riders, and Dairyland may not be licensed in every jurisdiction. Before spending time on a quote, check their website's state availability tool or call to confirm they write motorcycle policies in your state and county.

If Dairyland does not operate where you live, your state's insurance commissioner's office can direct you to insurers that do write high-risk motorcycle coverage. You can also contact your state's assigned risk pool — a last-resort program that forces insurers to take a percentage of high-risk applicants. Assigned risk coverage is usually more expensive than Dairyland, but it exists specifically for riders who cannot find coverage elsewhere.

Comparing Dairyland to other high-risk motorcycle insurers

Dairyland is one of several insurers that specialize in high-risk riders. Bristol West, National General, and Acceptance Insurance also write policies for riders with violations or accidents. Rates and underwriting rules vary by company and state. A quote that is expensive from Dairyland might be cheaper from Bristol West in your area, or vice versa.

Get quotes from at least two or three high-risk insurers before choosing. Each company weighs your history differently — one may focus heavily on recent violations while another cares more about how long ago your accident was. The difference in your annual premium can be hundreds of dollars.

If you have been declined by Dairyland, ask why. Some riders are declined because their violation is too recent or their record is too severe for that company's underwriting rules. Another insurer may have different rules and accept you.

What happens if your coverage lapses or you need to reinstate a policy

If your Dairyland policy lapses — because you did not pay a premium or let it expire — you will need to reapply to reinstate it. Dairyland may treat a reinstatement as a new process, which means a new underwriting review. If your record has worsened (another accident, a new violation), your rate will likely increase.

Some states impose penalties for driving without insurance, including fines, license suspension, and an SR-22 filing requirement (proof of insurance filed with your state's DMV). If you need an SR-22, tell Dairyland when you explore — they can file it on your behalf as part of the policy setup.

To avoid a lapse, set up automatic payments if Dairyland offers them, or mark your renewal date on a calendar. A lapse can cost you more when you reapply and may trigger state penalties.

Cancellation, non-renewal, and what to do if Dairyland drops you

You can cancel a Dairyland policy at any time by calling or writing to request cancellation. Dairyland will refund any unearned premium (the portion of your payment for days you did not use the coverage). Some states require a waiting period before cancellation takes effect; Dairyland will tell you the exact date your coverage ends.

Dairyland can also choose not to renew your policy when it expires. If they non-renew you, they must notify you in writing at least 30 to 60 days before the expiration date (the exact notice period varies by state). Non-renewal usually happens if your record worsens significantly during the policy period — a new DUI, a major accident, or multiple violations.

If Dairyland non-renews you, start shopping for a new insurer when ready. Do not let your coverage lapse. Contact your state's insurance commissioner or assigned risk pool for options if you are declined again.

Frequently Asked Questions

Does Dairyland require an MSF motorcycle safety course?

Dairyland does not require an MSF (Motorcycle Safety Foundation) course to get a policy, but completing one may lower your premium. Ask your agent if they offer a discount for course completion — many high-risk insurers do. You will need to provide proof of completion, usually a certificate from the course provider.

Can I get Dairyland coverage if I have a suspended license?

Dairyland will write a policy even if your license is suspended, but you cannot legally ride until your suspension is lifted. If you are working to reinstate your license, you can buy the policy now and have it ready to use once your suspension ends. Confirm the timing with your state's DMV.

What if I have an accident while insured with Dairyland?

Report the accident to Dairyland as soon as possible — most insurers require notice within 30 days. Provide photos, the other party's information, and any police report number. Dairyland will assign a claims adjuster who will assess the damage and determine fault. Your out-of-pocket cost depends on your deductible and coverage limits.

Does Dairyland offer roadside information or other add-ons?

Dairyland's standard policy covers liability, collision, comprehensive, and uninsured motorist. Ask your agent whether they offer optional add-ons like roadside information, rental reimbursement, or custom parts coverage. Availability and cost vary by state and policy.

How often can I shop for a better rate with Dairyland?

You can request a new quote from Dairyland at any time, even mid-policy. If your situation improves — a violation falls off your record, you complete a safety course — your rate may drop. You can also switch to a different insurer whenever your policy renews or even before, though you will lose any unearned premium from your current policy.