Dairyland vs. State Auto Insurance

Which insurance company is right for you? Compare coverage, discounts, and quotes from Dairyland and State Auto.

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Dairyland vs. State Auto: 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.

In 1921, Robert S. Pein started State Automobile Insurance Company with a borrowed sum of $30,000. Pein wanted to offer an alternative to the high rates other insurers were charging. He also wanted to a better claims settlement process. The company had humble beginnings with a staff of three in a small rented room in downtown Columbus. Pein insisted and his insurance products only be sold through independent agents, a decision that became company policy that is still in effect.

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 State Auto Overview.

Dairyland vs. State Auto: How much are the Average Rates?

Below is a list of the average rates that drivers typically pay with Dairyland and State Auto. On average, Dairyland charges approximately $172.44 per month while State Auto comes in at around $239.91 per month. For Dairyland, the cheapest state average is Oregon at $0.00 per month and the most expensive is South Carolina at $380.85 per month. For State Auto, the cheapest state average is Pennsylvania at $182.82 per month and the most expensive is Texas at $274.72 per month.

Dairyland

Average Rate

$172.44
State Auto

Average Rate

$239.91
National

Average Rate

$133.56
State Dairyland State Auto
Illinois $93.82 -
Nevada $37.07 -
North Carolina $257.61 -
Oregon $0.00 -
Pennsylvania $269.87 $182.82
South Carolina $380.85 -
Texas- $274.72
Washington $212.63 -

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

Number of Vehicles Dairyland State Auto
1 Vehicle $166.58 $216.93
2 Vehicles $234.70 $275.52

Dairyland vs. State Auto: 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 $181.97 per month and State Auto charges $255.91 per month for customers who own their home.

Own/Rent Dairyland State Auto
Own $181.97 $255.91
Rent $168.42 $226.76

What is Dairyland and State Auto Insurance Rating?

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

Comparison Dairyland State Auto
Year Founded 1953 1921
BBB Rating A+ A+
Financial Strength Very Good Excellent
JD Power Ranking N/A
Market Share Percentage 0.6%
NAIC Complaint Ratio 2.68

Dairyland or State Auto: Insurance Products Offered

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

Insurance Dairyland State Auto
Auto Insurance
Commercial Insurance
Condo Insurance
Farm Insurance
Home Insurance
Motorcycle Insurance
SR22/FR44
Umbrella Insurance

Dairyland or State Auto: Ways To Save

Dairyland offers a wide range of discounts to its policyholders, including Anti-theft, Defensive Driving, and Homeowners discounts. State Auto also offers a few discounts that Dairyland doesn’t including State Auto Start-Up, State Auto Safety 360, and Paid in Full discounts. Start taking advantage of discounts offered by insurance providers like State Auto and Dairyland insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

Dairyland State Auto
Advanced Quote Discount Accident Prevention Course
Anti-theft Discount Anti-theft Device Discount
Defensive Driving Discount Driver Training
Homeowners Discount Good Student Discount
Multi-car Discount Multi-car Discount
Payment Frequency Discount Multi-policy Discount
Transfer Discount Paid in Full Discount
State Auto Safety 360
State Auto Start-Up

Pros & Cons of Dairyland & State Auto

Pros

Dairyland
  • Insurance for nonstandard and/or high-risk drivers at reasonable prices.
State Auto
  • State Auto offers tiers of protection, which simplifies decision-making about coverages based on budget.

Cons

Dairyland
  • While rates are often lower than other carriers, insuring high-risk/nonstandard drivers is not cheap.
State Auto
  • The mobile app is not for most drivers, only those who take part in the Safe Auto telematics program.
  • Car insurance is only available in Alabama, Arizona, Arkansas, Colorado, Connecticut, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, North Carolina, North Dakota, Ohio, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, West Virginia and Wisconsin.

Dairyland or State Auto 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 State Auto telematics app is available for iOS and Android. The State Auto Safety 360 telematics program was designed to keep you safer on the road. You may even earn up to 50% on auto insurance premiums. You may even save 10% for signing up.

Dairyland Mobile App
iTunes     3.434 user reviews
Google Play     3.6208 user reviews
State Auto Mobile App
iOS     1.817 user reviews
Android     2.325 user reviews

Dairyland & State Auto 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
State Auto Contact Info
Address518 East Broad Street, Columbus, OH 43215
Phone1 (833) 724-3577
Websitehttps://www.stateauto.com/
Facebookhttps://www.facebook.com/stateauto/
Twitterhttps://twitter.com/StateAuto
Linkedinhttps://www.linkedin.com/company/state-auto-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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