USAA vs. Dairyland Insurance

Which insurance company is right for you? Compare products, insights, and quotes from USAA and Dairyland.

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USAA vs. Dairyland: What You Need to Know

USAA is an organization founded by military members for military members and their families. USAA was founded in the 1920s, during a time of social and political change. In San Antonio, Texas, 25 army officers met to insure each other’s vehicles and named William Garrison as the first president. This tiny group of men would later turn into one of the largest insurance companies, serving millions of members and becoming a fully integrated financial services organization. In 1923, the group expanded membership to include Navy and Marine Corp officers. In the 1930, membership grew despite the financial crisis, called the Great Depression, and several natural disasters that only exasperated an already desperate situation. By 1931 membership doubled from 15,000 to 30,000. The first annual report to members was published in 1932, and it highlighted financial success and commitment to the organization’s members. During World War II, USAA automatically renewed auto insurance policies, making things a little easier for those who were deployed abroad. In 1946, the organization became an industry leader in technology with its new automated office machines. In 1948, membership was opened to Air Force officers after the National Security Act of 1947 created the department. In 1952, USAA opened an office in Frankfurt, Germany, the first office outside of Texas. In 1961, USAA changed its bylaws so that officers no longer lose their membership after resigning from service. In 1962, they opened an office in London, England. In 1969, USAA formed their first disaster response team which is stationed in the Gulf Coast tending to members impacted by Hurricane Camille.In 1973 USAA opened offices in Tampa, Colorado Springs and San Diego and established their headquarters in San Antonio. In 1978, they began offering toll-free phone service to members. In 1983, the USAA Federal Savings Bank opened its doors and in the same year USAA Volunteer Corps was created to help with employee volunteerism in their communities. In 1990, the USAA Educational Foundation was set up to help consumers get free information on financial management, safety concerns and more. In 1991, USAA began offering roadside assistance and travel benefits. In 1991, they made electronic funds transfers available to members and in 1996 they formed the USAA Ethics Office as a commitment to ethical business conduct. In 1996, they began accepting enlisted as members. By 1999, members could conduct business online. In 2001 USAA provided special deployment assistance for the fight on terrorism. In 2006, they began offering ATM reimbursement and allowing members to deposit checks from home. In 2008, USAA expands eligibility requirements to include military retirees as well as the spouses and children of members. In 2009, all men and women who serve in the U.S. military and their families became eligible for membership. That same year, USAA became a sponsor of the Army-Navy Football Game and launched their mobile app. In 2010, USAA opened financial centers throughout the country while partnering with hundreds of UPS stores to service members. In 2011, USAA became the official Military Appreciation Sponsor of the National Football League. In 2016, they were the first bank to offer mobile app check deposit for visually impaired members. By 2017, USAA had 12 million members and a net worth of $31 billion.

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.

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

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

Below is a list of the average rates that drivers typically pay with USAA and Dairyland. On average, USAA charges approximately $116.41 per month while Dairyland comes in at around $520.23 per month. For USAA, the cheapest state average is Maine at $52.43 per month and the most expensive is New York at $192.28 per month. For Dairyland, the cheapest state average is North Dakota at $520.23 per month and the most expensive is North Dakota at $520.23 per month.

USAA

Average Rate

$116.41
Dairyland

Average Rate

$520.23
National

Average Rate

$117.77
State USAA Dairyland
Alabama $110.78 -
Alaska $80.76 -
Arizona $108.33 -
Arkansas $76.65 -
California $160.91 -
Colorado $98.61 -
Connecticut $118.38 -
Delaware $75.42 -
District of Columbia $76.68 -
Georgia $119.18 -
Hawaii $86.16 -
Idaho $56.46 -
Illinois $109.08 -
Indiana $68.62 -
Iowa $69.35 -
Kansas $86.72 -
Kentucky $101.59 -
Louisiana $152.52 -
Maine $52.43 -
Maryland $130.52 -
Massachusetts $111.28 -
Michigan $129.59 -
Minnesota $99.81 -
Mississippi $78.71 -
Missouri $68.55 -
Montana $73.81 -
Nebraska $92.64 -
Nevada $131.13 -
New Mexico $88.66 -
New York $192.28 -
North Dakota $55.25 $520.23
Ohio $64.55 -
Oklahoma $106.02 -
Oregon $82.64 -
Pennsylvania $90.08 -
Rhode Island $121.52 -
South Carolina $98.62 -
Tennessee $89.67 -
Texas $120.34 -
Utah $88.73 -
Virginia $83.53 -
Washington $83.07 -
Wisconsin $57.93 -
Wyoming $105.98 -

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

Number of Vehicles USAA Dairyland
1 Vehicle $106.30 $477.97
2 Vehicles $153.17 $672.36
3 Vehicles $241.33 $
4 Vehicles $243.01 $

USAA vs. Dairyland: Rates by Homeownership

Home

Drivers who own their home rather than rent can sometimes get a small discount. We found that on average USAA charges $116.67 per month and Dairyland charges $551.75 per month for customers who own their home.

Own/Rent USAA Dairyland
Own $116.67 $551.75
Rent $116.26 $502.32

What is USAA and Dairyland Insurance Rating?

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

Comparison USAA Dairyland
Year Founded 1922 1953
A.M. Best A++
A.M. Best Rating A+
BBB Rating B- A+
Financial Strength Excellent Very Good.
JD Power Ranking Among the best N/A
Market Share Percentage 0.6
Moody’s Rating N/A
NAIC Complaint Index 1.01 2.68
S&P Rating AA+ N/A

USAA or Dairyland: Insurance Products Offered

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

Insurance USAA Dairyland
Auto Insurance
Commercial Insurance
Condo Insurance
Farm Insurance
Health Insurance
Home Insurance
Life Insurance
Motorcycle Insurance
Pet Insurance
Renters Insurance
RV Insurance
SR22/FR44
Umbrella Insurance

USAA or Dairyland: Ways To Save

Dairyland offers a wide range of discounts to its policyholders, including Anti-theft, Defensive Driving, and Homeowners discounts. USAA also offers a few discounts that Dairyland doesn’t including Premier Driver, New Vehicle, and Multi-policy discounts. Start taking advantage of discounts offered by insurance providers like Dairyland and USAA insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

USAADairyland
Annual MileageAdvanced Quote Discount
Automatic Payments DiscountAnti-theft Discount
Defensive Driving Course DiscountDefensive Driving Discount
Discount for Driving Research (telematics)Homeowners Discount
Driver Training Course DiscountMulti-car Discount
Family DiscountPayment Frequency Discount
Good Student DiscountTransfer Discount
Military Installation
Multi-policy Discount
New Vehicle Discount
Premier Driver Discount

Pros & Cons of USAA & Dairyland

Pros

USAA
  • USAA offers financial literacy classes to its members as well as retirement planning.
  • The USAA app is easy to use and very helpful for managing your account.
Dairyland
  • Insurance for nonstandard and/or high-risk drivers at reasonable prices.

Cons

USAA
  • USAA mainly offers coverage to military members and their families.
Dairyland
  • While rates are often lower than other carriers, insuring high-risk/nonstandard drivers is not cheap.

USAA or Dairyland Mobile Apps Options

The USAA Mobile app is available for iOS and android. It gives users convenient and secure access to their accounts to manage finances, investments, insurance and more. The Dairyland app is available for iOS and Android. This is where customers can access self-service options here and pay bills.

USAA Mobile App
iOS      4.8 432K user reviews
Android      4.6 125K user reviews
Dairyland Mobile App
iTunes      3.4 34 user reviews
Google Play      3.6 208 user reviews

USAA & Dairyland Contact Info

USAA Contact Info
Address 9800 Fredericksburg Rd., San Antonio, TX 78288
Phone 1-800-531-8722
Website https://www.usaa.com/
Facebook https://www.facebook.com/USAA/
Twitter https://twitter.com/USAA
Youtube https://www.youtube.com/channel
Linkedin https://www.linkedin.com/company/usaa/
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

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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