We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias.
But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.
Sarah George is a writer at Finder who unravels complicated topics about insurance, business and finance. She especially loves breaking down car insurance into simple terms that everyone can understand.
Sarah has been wordsmithing for the better part of three years after graduating with a B.S. in English Education. In her free time, Sarah's usually sipping hot tea and talking through movie plots with her husband.
What motorcycle insurance coverage does Dairyland offer?
Dairyland provides coverage for your basic needs on the road:
Bodily injury. Pay for lost wages, medical and funeral expenses for another driver if you’re at fault.
Property damage. Cover damages to someone else’s property during an accident.
Collision. Pay for repairs when your bike gets damaged during an accident. This also includes damage caused by tip-overs.
Comprehensive. Cover damages related to accidents that don’t involve hitting another vehicle or object — like from theft, storms and falling tree branches.
Uninsured/underinsured motorist. Protect yourself from at-fault drivers who don’t carry enough insurance to cover your property damages or physical injury expenses.
Medical expenses. Get coverage for medical bills for you and your passengers.
Personal injury protection. Like medical expense coverage, this pays for medical bills for yourself and anyone else covered by your policy. This coverage also includes non-medical expenses like lost wages and funeral costs. You may be limited on this type of coverage, depending on your state.
Which states does Dairyland cover?
Dairyland only provides coverage in 37 US states. States not covered include:
Alaska
Georgia
Hawaii
Louisiana
Massachusetts
Michigan
Montana
New Hampshire
New Jersey
New York
North Dakota
Oklahoma
Rhode Island
What extra benefits and add-ons does Dairyland offer?
This company goes beyond standard coverage to provide you with extra protection:
Physical damage plus. Make sure your motorcycle gets its original parts when repairing physical damages.
Guest passenger. Gain extra coverage for physical injuries to passengers along for the ride.
Replacement cost. Get the full cost of a new bike if you’re involved in a total loss accident. This includes permanent equipment that you customized on your bike that doesn’t come factory standard.
Optional or special equipment. Pay for repairs or losses involving options that aren’t factory standard. This coverage applies to amounts that exceed standard equipment that you’ve replaced with optional features.
Roadside assistance. Get assistance if you experience trouble on the road, including gas delivery, tire repairs and battery jumping.
Trip interruption. Pay for trip expenses if you’re stuck more than 100 miles from home. Expenses included are food, lodging, lost deposits, transportation and towing.
Rental reimbursement. Pay for an eligible rental vehicle so you can still get around while your motorcycle is being repaired.
Multicycle discount. Insure more than one motorcycle with Dairyland.
Group rider. See if your rider group is eligible for discounts.
Harley member. If you own a Harley Davidson, become part of the Harley Owners Group.
Customer loyalty. Replace or add a motorcycle as a Dairyland customer for at least a year.
Safety course. Take an approved motorcycle safety course or get credit for one you’ve taken in the past five years.
Home ownership. Earn a discount if you own an insured house, condo, townhouse or mobile home where you park your bike.
Pros and cons of Dairyland motorcycle insurance
Pros:
Wide coverage options. This company offers all the extras for your motorcycle needs — including equipment coverage, roadside assistance and trip interruption.
Multiple discounts. With a variety of easy-to-get discounts, you’re likely to qualify for one or more.
High customer reviews. Consumer reviews rate the company highly for its premium service and coverage options.
SR-22 coverage available. Don’t have a spotless driving record? You can still get motorcycle coverage here.
Cons:
Not in all 50 states. Dairyland doesn’t provide coverage in several states.
No online claims. The company doesn’t offer convenient online claims reporting. However, you can file a claim with its 24/7 phone service.
How to apply for Dairyland motorcycle insurance
You can apply for motorcycle insurance in three ways: online, by phone or in person.
Online. Follow these steps to apply online:
Go to the Dairyland motorcycle insurance home page.
Enter your ZIP code and click Get a Quote.
Fill out your personal information, motorcycle details and driver information.
Discover discounts you may qualify for, choose your coverage and finalize your policy.
Phone. If you’d like to speak with an agent by phone, call 844-232-8502.
Local agent. Prefer working with a customer service agent?
Click Find an agent below the Get a Quote box.
Enter your ZIP code, coverage needed and distance from your home.
Choose a local agent and set up a meeting.
What info do I need to apply?
Make the quoting process a breeze by keeping this information on hand:
Home address
Driver or motorcycle license
Motorcycle details, such as make, model and license plate number
Driving history
Required coverage in your state
Method of payment: banking account information, debit or credit card
Frequently asked questions about Dairyland motorcycle insurance
You are required to get motorcycle insurance in every state except Florida, New Hampshire, Washington and Montana. However, New Hampshire riders will still be held liable for at-fault accidents.
Insuring your bike while in storage is a personal decision. However, keep in mind that your bike can still get stolen or experience noncollision damages. These would be covered under comprehensive coverage.
You can find a variety of safety courses on the Motorcycle Safety Foundation website. Other providers may also offer safety courses in your area.
An SR-22 is a document that proves you have met the minimum insurance requirements for your state. If you’re required to file an SR-22 with your state, you’ll receive notice from a judge in court or your state motor vehicle department.
Normally, those required to file an SR-22 document have either been caught driving without insurance or without a license, had too many traffic or accident violations, received a DUI or DWI or failed to pay court-ordered child support.
Car insurance ratings
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
Our insurance team analyzes car insurance providers to help you choose the best car insurance for you.
We rank insurers from one to five stars based on key factors including customer satisfaction, policy options, price, billing, claims, and support. We create these rankings to help you narrow down an insurance provider that best suits your budget and coverage needs.
How likely would you be to recommend finder to a friend or colleague?
0
1
2
3
4
5
6
7
8
9
10
Very UnlikelyExtremely Likely
Required
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
Advertiser Disclosure
finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. We may receive compensation from our partners for placement of their products or services. We may also receive compensation if you click on certain links posted on our site. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Please appreciate that there may be other options available to you than the products, providers or services covered by our service.
