Auto insurance quotes
Get Dairyland® car insurance
We've been helping drivers like you since 1953, offering:
Affordable rates
Flexible payment plans
Low down payments
Exceptional service
Reliable customer support
How do I know what car insurance coverage is right for me?
We understand no two drivers are exactly alike. That’s why we offer a range of coverage options, flexible payment choices, and support that helps make the process feel simpler.
Are you a senior driver with a clean record—or just getting started behind the wheel? Do you have a lapse in coverage, a violation on your record, or a foreign license? Are you trying to find coverage at a price that works for your budget?
That’s OK. We’re here to help you find coverage that fits your situation.
Types of auto insurance coverage
Our car insurance coverages—subject to state availability—include the options below. Coverage availability, terms, limits, and exclusions vary by state and policy.
Coverage type | What it can help cover |
Claims to injuries to others in an accident you cause. | |
Damage you cause to another person’s vehicle or property in a covered accident. | |
Damage to your vehicle after it hits another vehicle or other property in a covered accident—no matter who’s at fault. | |
Damage to your vehicle from events like fire, theft, vandalism, hail, and falling objects. | |
Injuries—and in some states, property damage—if you’re hit by a driver with no insurance or not enough insurance. | |
Personal injury protection (PIP) and medical payments coverage | Medical expenses for you and your passengers after a covered accident. Depending on the coverage and state, this may also help with lost wages, lost services, or funeral expenses. |
Money toward a rental while your car is being repaired after a covered loss. | |
24/7 help for emergency services like a dead battery, flat tire, breakdown, running out of gas, or locking keys in your car. | |
Coverage for injuries or property damage to others from an accident you cause while driving a car you don’t own or have regular use of. |
Learn how you can save on your new car insurance policy.
What auto coverage is required in your state?
Whether you’re looking for “full coverage” auto insurance or you just need to meet your state’s minimum coverage requirements to stay legal behind the wheel, we can help.
Understanding car insurance deductibles
A car insurance deductible is the amount you pay out of pocket toward covered damage before your insurance helps cover the rest. Deductibles apply to certain coverages, not every type of car insurance claim. In most cases, when a deductible does apply, it applies each time you file a covered claim—not once a year.
Your deductible can affect what you pay month to month. A higher deductible may help lower your premium, while a lower deductible usually means a higher premium. The tradeoff is how much you’d be comfortable paying out of pocket after a covered loss.
For example, if your car has $3,000 in covered collision damage and your deductible is $500, you’d pay the first $500, and your insurance would help cover the remaining $2,500, up to your policy terms and limits.*
Common deductible amounts are $250, $500, and $1,000.* If keeping your monthly payment lower matters most and you have savings set aside for the unexpected, a higher deductible may make sense. If you’d rather pay less out of pocket after a covered claim, a lower deductible may be a better fit.
What auto coverage is required in your state?
The amount you pay for car insurance can depend on a range of factors specific to you, including:
Your driving history
The type of vehicle you drive
Your ZIP code
The coverages and limits on your policy
Your age
How do you compare car insurance quotes?
Many insurance companies let you get a free quote online, over the phone, or through an agent. A quote is simply an estimate based on the information you provide—it doesn’t mean you’ve signed up for a policy.
To compare quotes fairly, make sure you’re using the same driver, vehicle, coverage, and limit information each time. That gives you a more accurate apples-to-apples comparison.
And remember: the cheapest option isn’t always the best fit. It’s also worth looking at customer reviews, service, and the claims experience.
Bundle your insurance
Bundling your car insurance with another policy—like motorcycle, ATV, or dirt bike insurance—may help you save compared to buying each policy separately. Availability varies by state and situation, but it may be worth exploring if you need more than one type of coverage.
Along with car insurance, we can also offer insurance for:
*Additional insurance offerings are not underwritten by Dairyland Insurance Company or its affiliates. You’ll be redirected to the website of our trusted provider.
Car insurance discounts and savings
We have a range of auto insurance discounts available to help drivers like you save even more on your policy, including:
Multi-car discount
Advanced quote discount
Defensive driver course discount
Prior insurance/transfer discount
And that's just the beginning. Keep in mind, available discounts will vary by state.
Why should I choose Dairyland insurance?
Our customers are our number one priority
Don't just take our word for it. See what existing and past customers have to say about Dairyland insurance, and read more about our 4.4-star TrustPilot rating.
We keep the auto insurance process simple
Insurance can feel complicated. We work to make the entire process easier with straightforward guidance, 24/7 support, and a claims process designed to keep things moving.
You may qualify for auto insurance discounts
There are several ways you may be able to get cheap car insurance, including:
Multi-car discount: Insure more than one car with Dairyland and get rewarded with multi-car savings.
Advanced quote discount: Get your Dairyland quote before your current policy expires and you could enjoy extra savings.
Homeowner discount: Own your home? You could qualify for a discount—even if your homeowners insurance with another provider.
Anti-theft discount: Have anti-theft devices or built-in safety features? They could lower your premium.
Prior insurance/transfer discount: Moving your policy to Dairyland could help you save right away.
Payment frequency discount: Pay your policy in full or quarterly to potentially pay less.
Defensive driver course discount: Complete an approved defensive driving course and see the savings add up.
Keep in mind, available discounts will vary by state.
Find an auto insurance agent and get the support you need
Our experienced agents are available to answer questions, explain your options, and help you feel more confident about your choices.
When you need support, we’re here to offer:
Clear answers
Help understanding your options
Service that respects your time
How to get a car insurance quote
Insurance quotes are quick and free. You'll just need to:
Have information about yourself, your vehicle, and your driving history on hand.
Be prepared to provide information on the other people driving the car.
See what discounts you could qualify for and select the coverages you want.
Why do you need car insurance?
Car insurance is a legal requirement for drivers in most states. Beyond that, the primary purpose—and value—of car insurance is to protect both you and other parties involved in an accident from financial loss. It helps provide a safety net by covering many of the costs associated with property damage, medical expenses, and legal liabilities that can arise from an accident.
Have more car insurance questions?
Call us at 800-334-0090 to speak to a friendly, knowledgeable customer service representative, get everything you need, and start your quote for reliable auto insurance.
We also have a full library of resources so you can learn more about insurance and what type of coverages might be best for you.
Car insurance FAQs
What is gap insurance?
Gap insurance applies if your vehicle is declared a total loss. It can help cover the difference between the actual cash value (ACV) of your vehicle and what you still owe on your vehicle loan. So if you still owe $18,000 on your loan, but your car is only worth $15,000 at the time of the loss, you may be responsible for the remaining $3,000*. Gap insurance is often available through a lender, and Dairyland offers a similar insurance coverage option called Car Loan Protection.
What is a car insurance deductible?
A car insurance deductible is the amount you pay out of pocket toward covered damage before your insurance helps pay the rest. Common deductible amounts are $250, $500, and $1,000*, and the right choice depends on your budget, your vehicle, and how much you’d be comfortable paying after a covered claim.
What is not typically covered by car insurance?
Car insurance doesn’t usually cover routine maintenance like oil changes or new tires, damage from normal wear and tear, intentional damage, or personal belongings stolen from inside your car. Policy exclusions vary, so check your policy for the terms, limits, and exclusions that apply.
What should I do if I get into a car accident?
If you’re in an accident, stop your vehicle, check for injuries, call the police if needed, and exchange information with the other driver. Take photos, avoid admitting fault, and contact your insurance company as soon as you can. For more details, review our step-by-step guide.
Can special training or discounts help teen and new drivers save?
Teen and new drivers may have fewer discount options, but there may still be ways to lower costs. Depending on state availability and eligibility, savings may be available through options like advanced quoting, payment choices, or an approved defensive driving course.
What should parents know about car insurance for their teenager?
Adding a teen driver often increases the cost of car insurance because new drivers have less experience behind the wheel. For many families, that first premium change can be a surprise. Supervised practice, patience, and approved driver training can help teens build safer habits from the start
Auto resources
