Dairyland vs. Liberty Mutual Insurance

Which insurance carrier is right for you? Compare coverage, rates, and quotes from Dairyland and Liberty Mutual.

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Dairyland vs. Liberty Mutual: What You Need to Know

Dairyland Insurance Company began as a local insurer in Wisconsin over 60 years ago and grew to have a national presence. Today, the insurance company prides itself on maintaining its midwestern roots and what it calls “small-town values.” In 1916, The Hardware Dealers MutualFire Insurance Company of Wisconsin (known today as Sentry) began writing auto insurance policies. Professor Stuart Struck formed the Dairyland Mutual Insurance Company of Wisconsin in 1953 and in 1966 The Hardware Dealers Mutual Fire Insurance Company acquiredDairyland, which sold specialty insurance to drivers who couldn’t otherwise get standard coverage due to poor driving records, little driving experience or no prior insurance. In 1975independent agents joined Dairyland and began selling motorcycle insurance. Two years later, they moved to a new headquarters in Steven Point, Wisconsin. Sentry, Dairyland’s parent company, celebrated100 years of business in 2004. The following year, Sentry acquired Viking Insurance and doubled the size of Dairyland. Sentry has over $13 billion worth of assets and a policyholder surplus of $4.1 billion. In addition to motorcycle insurance, Dairyland is known for selling non-standard SR-22/SR22/SR 22 insurance and insurance for teen drivers at affordable rates.

Liberty Mutual Group is a global insurer and the fourth-largest property and casualty insurer in the U.S, ranking 68th on Fortune 100 list of the largest corporations in the U.S. The company has assets of more than $100 billion. Today the group employs over 50,000 people in over 900 locations around the globe, including 45 U.S. states. Liberty Mutual formed on July 1, 1912, as Massachusetts Employees Insurance Association (MEIA) and emerged after state law began to require that employers carry protection for their employees. MEIA provided workers’ compensation insurance to companies, and the first auto policy was sold in 1918. In 1920, the company used a then-new medium of film to teach people about workplace safety. The first Liberty Mutual home office opened its doors in Boston in 1937. In 1946, they created an emergency stop switch for escalators. In 1957 Liberty Mutual and Cornell University partnered to create a “safety car” by crash testing with dummies, something that had never been done before. In 1964, Liberty Mutual began selling life insurance though the Liberty Life Assurance Branch. The first battery-powered prosthetic elbow was created by the company in 1967. As Liberty Mutual grew, it expanded beyond North America by opening its first operation in the UK. In the 1990s, they continued to grow through the acquisition of large commercial and risk carriers. In 2008, Safeco became a part of Liberty Mutual. In 2016 reaffirmed its commitment to innovation by creating Solar Labs.

Below is a list of average rates, rankings, products, and discounts for the two companies. For full company overviews, you can visit Dairyland Overview and Liberty Mutual Overview.

Dairyland vs. Liberty Mutual: How much are the Average Rates?

Below is a list of the average rates that drivers typically pay with Dairyland and Liberty Mutual. On average, Dairyland charges approximately $172.51 per month while Liberty Mutual comes in at around $317.91 per month. For Dairyland, the cheapest state average is Oregon at $0.00 per month and the most expensive is Alabama at $360.67 per month. For Liberty Mutual, the cheapest state average is Connecticut at $117.40 per month and the most expensive is Oklahoma at $477.29 per month.

Dairyland

Average Rate

$172.51
Liberty Mutual

Average Rate

$317.91
National

Average Rate

$133.56
State Dairyland Liberty Mutual
Alabama $360.67 -
Connecticut- $117.40
Illinois $89.87 -
Indiana- $226.52
Iowa- $270.89
Kentucky- $276.46
Michigan- $344.47
Nevada $57.79 $436.49
North Carolina $149.50 $444.55
Oklahoma- $477.29
Oregon $0.00 -
Pennsylvania $286.40 -
Wisconsin $23.46 -

Dairyland vs. Liberty Mutual: Rates by Number of Vehicle

Home

Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that Dairyland and Liberty Mutual typically charge for drivers who have more than 1 vehicle.

Number of Vehicles Dairyland Liberty Mutual
1 Vehicle $155.32 $325.99
2 Vehicles $282.13 $290.84

Dairyland vs. Liberty Mutual: Rates by Homeownership

Home

Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Dairyland charges $217.30 per month and Liberty Mutual charges $278.30 per month for customers who own their home.

Own/Rent Dairyland Liberty Mutual
Own $217.30 $278.30
Rent $155.59 $328.91

What is Dairyland and Liberty Mutual Insurance Rating?

Which car insurance company is better? We've made it easy to compare companies side by side. See how Dairyland and Liberty Mutual ranked among the industry ratings.

ComparisonDairylandLiberty Mutual
Year Founded19531912
Market Share0.06%5%
BBB RatingA+A-
Financial StrengthVery Good.Excellent
JD Power RankingN/AAbout Average
Moody’s RatingN/AA2
NAIC Complaint Ratio2.684.55
S&P RatingN/AA

Dairyland or Liberty Mutual: Insurance Products Offered

What coverage is available through Dairyland and Liberty Mutual? Both insurance companies offer Auto insurance. Additional products from Liberty Mutual insurance also includes Commercial, Condo, Health, Home, Motorcycle, Pet, Renters, RV, SR22/FR44, and Umbrella insurance. Considering these two top insurance providers? Check out the list below. To view a full list of products that are available, visit Dairyland and Liberty Mutual Insurance page.

InsuranceDairylandLiberty Mutual
Auto Insurance
Commercial Insurance
Condo Insurance
Health Insurance
Home Insurance
Motorcycle Insurance
Pet Insurance
Renters Insurance
RV Insurance
SR22/FR44
Umbrella Insurance

Dairyland or Liberty Mutual: Ways To Save

Dairyland offers a wide range of discounts to its policyholders, including Anti-theft, Defensive Driving, and Homeowners discounts. Liberty Mutual also offers a few discounts that Dairyland doesn’t including Violation Free, Student-Away-at-School, and Righttrack telematics device discount discounts. Start taking advantage of discounts offered by insurance providers like Liberty Mutual and Dairyland insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

DairylandLiberty Mutual
Advanced Quote DiscountAccident Free Discount
Anti-theft DiscountAdvanced Safety Features Discount
Defensive Driving DiscountAlternative Energy Discount
Homeowners DiscountAnti-Theft Device Discount
Multi-car DiscountBundle Discounts
Payment Frequency DiscountEarly Shopper Discount
Transfer DiscountGood Student Discount
Homeowner Discount
Military Discount
Multi-Car Discount
Multi-Policy Discount
Online Purchase Discounts
Paperless Policy Discount
Pay-in-Full Discount
Preferred Payment Discount
Righttrack telematics device discount
Student-Away-at-School Discount
Violation Free Discount

Pros & Cons of Dairyland & Liberty Mutual

Pros

Dairyland
  • Insurance for nonstandard and/or high-risk drivers at reasonable prices.
Liberty Mutual
  • Telematics devices that track driving behaviors can save safe drivers up to 30%.
  • Liberty Mutual Deductible Fund, which reduces and eliminates your deductible.
  • Accident forgiveness for your first accident.
  • Lifetime auto repair guarantee at one of 2,000 guaranteed repair network facilities.
  • Original parts replacement ensures that you will only be sold parts made by the manufacturer, not a third party.

Cons

Dairyland
  • While rates are often lower than other carriers, insuring high-risk/nonstandard drivers is not cheap.
Liberty Mutual

Dairyland or Liberty Mutual Mobile Apps Options

The Dairyland app is available for iOS and Android. This is where customers can access self-service options here and pay bills.

The Liberty Mutual app is available for iOS and Android. This insurance concierge is where you can report accidents or update personal information 24/7.

Dairyland Mobile App
iTunes     3.434 user reviews
Google Play     3.6208 user reviews
Liberty Mutual Mobile App
iTunes     4.826.6K user reviews
Google Play     4.23.8K user reviews

Dairyland & Liberty Mutual Contact Info

Dairyland Contact Info
Address1800 North Point Drive, Stevens Point, WI 54481
Phone1 (844) 242-4468
Websitehttps://www.dairylandinsurance.com
Twitterhttps://www.twitter.com/dairylandins
Facebookhttps://www.facebook.com/DairylandInsurance
Youtubehttps://www.youtube.com/user/dairylandcycle/featured
Linkedinhttps://www.linkedin.com/company/dairyland-cycle-insurance/about
Liberty Mutual Contact Info
Address175 Berkeley Street, Boston, Massachusetts
Phone1 (888) 398-8924
Websitehttps://www.libertymutual.com
Facebookhttps://www.facebook.com/libertymutual
Twitterhttps://www.twitter.com/libertymutual
Youtubehttps://www.youtube.com/libertymutual
Linkedinhttps://www.linkedin.com/company/liberty-mutual-insurance

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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