Dairyland vs. Safeco Insurance

Which insurance carrier is right for you? Compare coverage, insights, and quotes from Dairyland and Safeco.

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Dairyland vs. Safeco: 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. Since 1992, Sentry has been rated A+ in financial strength from A.M. Best. 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.

In 1923, Hawthorne K. Dent founded the General Insurance Company of America. Most insurance activity during that time was taking place in the Northeast, so its Seattle location made “The General” a pioneer not only geographically but also with their competitive prices and great service. Today, however, “the General” is called Safeco, and they offer insurance to people across the country. It was in 1953 that the General Insurance Company of America created a subsidiary called Selective Auto and Fire Insurance Company of America (SAFECO). It was intended to compete with the national companies using computer automation tools, which allowed them to enter the life insurance business. By the end of the 1960s, the company also began offering mutual funds and commercial lines of credit. It became so successful that the changed the name entirely to Safeco. In 1997, Safeco began expanding east by acquiring American States Financial Corporation, doubling its agency in size. They soon became a leading insurer for small to mid-sized businesses. In 2002, the company’s dedication to automated technology helped the company recover from the slump of the late 1990s. In 2004, Safeco sold its life and investment division to refocus on surety bonds and its property and casualty lines of insurance. In 2008, Safeco was bought by Liberty Mutual Insurance Company, a change that allows Safeco to focus solely on personal insurance lines today.

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 SAFECO Overview.

Dairyland vs. SAFECO: How much are the Average Rates?

Below is a list of the average rates that drivers typically pay with Dairyland and SAFECO. On average, Dairyland charges approximately $597.05 per month while SAFECO comes in at around $180.76 per month. For Dairyland, the cheapest state average is North Dakota at $597.05 per month and the most expensive is North Dakota at $597.05 per month. For SAFECO, the cheapest state average is Montana at $64.42 per month and the most expensive is Georgia at $387.85 per month.

Dairyland

Average Rate

$597.05
SAFECO

Average Rate

$180.76
National

Average Rate

$119.16
State Dairyland SAFECO
Arizona- $99.26
Arkansas- $128.05
California- $187.49
Colorado- $179.95
Connecticut- $203.44
Georgia- $387.85
Idaho- $72.80
Illinois- $109.44
Iowa- $132.02
Kansas- $220.63
Kentucky- $164.69
Mississippi- $136.94
Missouri- $159.71
Montana- $64.42
Nebraska- $140.53
Nevada- $240.66
New Hampshire- $89.62
North Dakota $597.05 $334.33
Ohio- $142.41
Oregon- $212.97
Tennessee- $123.80
Utah- $141.95
Vermont- $142.34
Washington- $162.96
West Virginia- $112.93
Wisconsin- $78.81
Wyoming- $83.62

Dairyland vs. SAFECO: 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 SAFECO typically charge for drivers who have more than 1 vehicle.

Number of Vehicles Dairyland SAFECO
1 Vehicle $557.89 $167.70
2 Vehicles $731.92 $221.30
3 Vehicles $ $332.70

Dairyland vs. SAFECO: 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 $586.48 per month and SAFECO charges $170.14 per month for customers who own their home.

Own/Rent Dairyland SAFECO
Own $586.48 $170.14
Rent $602.95 $186.26

What is Dairyland and Safeco Insurance Rating?

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

Comparison Dairyland Safeco
Year Founded 1953 1923
A.M. Best Rating A+
BBB Rating A+ A-
Financial Strength Very Good. Excellent
JD Power Ranking N/A About Average
Market Share Percentage 0.6%
Moody’s Rating N/A A2
NAIC Complaint Index 2.68 1.08
S&P Rating N/A A

Dairyland or Safeco: Insurance Products Offered

What coverage is available through Dairyland and Safeco? Both insurance companies offer Auto, and Motorcycle Insurance. Additional products from Safeco insurance also includes Commercial, Condo, Home, 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 SAFECO Insurance page.

Insurance Dairyland Safeco
Auto Insurance
Commercial Insurance
Condo Insurance
Home Insurance
Motorcycle Insurance
Pet Insurance
Renters Insurance
RV Insurance
SR22/FR44
Umbrella Insurance

Dairyland or Safeco: Ways To Save

Dairyland offers a wide range of discounts to its policyholders, including Anti-theft, Defensive Driving, and Homeowners discounts. Safeco also offers a few discounts that Dairyland doesn’t including Tenture Award, Telematics Reward (Safeco RightTrack), and Teen Safety Rewards discounts. Start taking advantage of discounts offered by insurance providers like Safeco and Dairyland insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

Dairyland Safeco
Advanced Quote Discount Accident Forgiveness
Anti-theft Discount Accident Prevention
Defensive Driving Discount Diminishing Deductible
Homeowners Discount Distant Student Discount
Multi-car Discount Driver Training Discount
Payment Frequency Discount Good Student Discount
Transfer Discount New Teen Reward
Newly Independent Discount
Teen Safety Rewards
Telematics Reward (Safeco RightTrack)
Tenture Award

Pros & Cons of Dairyland & Safeco

Pros

Dairyland
  • Insurance for nonstandard and/or high-risk drivers at reasonable prices.
Safeco
  • Diminishing deductible can save you money if you’re ever in an accident.
  • Multiple losses, one deductible means that when you bundle, you can save money if an unexpected event damages both your car and home.
  • Safeco had less than the median number of complaints for home insurance, according to the National Association of Insurance Commissioners.

Cons

Dairyland
  • While rates are often lower than other carriers, insuring high-risk/nonstandard drivers is not cheap.
Safeco
  • Safeco had more than the median number of complaints about auto insurance in 2018.

Dairyland or Safeco 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 Safeco Insurance mobile app is available for iOS and android. This insurance concierge gives you access to your policy 24/7. This mobile and tablet friendly app helps you pull up your ID cards, make a payment, manage your policies and file a claim as well as submit accident photos.

Dairyland Mobile App
iTunes     3.434 user reviews
Google Play     3.6208 user reviews
Safeco Mobile App
iOS     4.75.4K user reviews
Android     3.8416 user reviews

Dairyland & Safeco Contact Info

Dairyland Contact Info
Address 1800 North Point Drive, Stevens Point, WI 54481
Phone 1 (844) 242-4468
Website www.dairylandinsurance.com
Twitter www.twitter.com/dairylandins
Facebook www.facebook.com/DairylandInsurance
Youtube www.youtube.com/user/dairylandcycle/featured
Linkedin www.linkedin.com/company/dairyland-cycle-insurance/about
Safeco Contact Info
Address 1400 South Highway Drive, Suite 100, Fenton, MO, 63026
Phone 1-888-723-3260
Website https://www.safeco.com
Facebook https://www.facebook.com/SafecoInsurance/
Twitter https://twitter.com/Safecoinsurance
Youtube https://www.youtube.com/Safeco
Linkedin https://www.linkedin.com/company/safeco-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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