Auto insurance · Updated August 2026
Allstate vs Dairyland
Allstate is built for drivers who want a local agent and bundled home coverage. Dairyland is built for drivers who need an SR-22 or motorcycle coverage. On the NAIC's 2025 complaint index, Allstate Fire & Casualty Ins. Co. drew 0.82 and Peak Property & Casualty Ins. Corp. drew 0.61, against an industry median of 1.00. AM Best rates both companies A+. Neither is reliably cheaper. For the same driver in the same state, either can return the lower number.
By Dylan Leggett, licensed insurance agent · NPN 17875887
The short answer
Allstate has written auto since 1931 and writes through Allstate group companies. It writes five lines: auto, home, renters, motorcycle, and life. Drivewise adjusts the price to recorded driving. The tradeoff: it drew 0.82 on the 2025 complaint index against Dairyland's 0.61.
Dairyland has written auto since 1953 and writes through Sentry group companies, including Peak Property & Casualty. Peak Property & Casualty Ins. Corp. drew 0.61 on the NAIC's 2025 complaint index, 14 complaints on $485 million of private-passenger premium. The tradeoffs: it writes two lines against Allstate's five, and it runs no program.
Both companies state by state, and their filed rates trade the lead by address. A national average will not predict which one wins for you. For the same driver in the same state, either can return the lower number.
About two minutes. No effect on your credit score.
Side by side
Allstate vs Dairyland: the data sheet
Sources are listed under the measured figures. How we compare
Allstate | Dairyland | |
|---|---|---|
| Built for | Drivers who want a local agent and bundled home coverage | Drivers who need an SR-22 or motorcycle coverage |
| Who underwrites it | Allstate group companies | Sentry group companies, including Peak Property & Casualty |
| Complaints per policyDairyland, ahead of Allstate | 0.82 454 complaints on $11.7B written | 0.61 14 complaints on $485M written |
NAIC complaint index, 2025, private passenger auto · Allstate Fire & Casualty Ins. Co. vs Peak Property & Casualty Ins. Corp. · 1.00 is the industry median | ||
| Financial strengthTied at A+ | A+ Superior | A+ Superior |
AM Best financial strength rating · A++ is the highest issued | ||
| Coverage you can buyAllstate, if you want to bundle | 5 lines auto, home, renters, motorcycle, life | 2 lines auto, motorcycle |
| PriceNot rated | Filed state by state, priced to the driver. The main factors are below. | |
| SR-22 filing | Yes | Yes |
| Telematics program | Drivewise | None |
| Availability | All 50 states | No published state list; varies by state |
| Known for | Drivewise rewards, Milewise pay-per-mile in some states | SR-22 filings, motorcycle coverage, flexible payments since 1953 |
In practice
Where they differ
The complaint records
On the NAIC's 2025 complaint index, Allstate Fire & Casualty Ins. Co. drew 0.82 and Peak Property & Casualty Ins. Corp. drew 0.61, against an industry median of 1.00. The index weighs a company's complaint count against the volume expected for its size, so 1.00 is the industry median and a lower number is fewer complaints than expected.
Financial strength
AM Best rates both companies A+. A++ is the highest grade AM Best issues. The grade measures the company's ability to pay claims, not its service or its price.
Who underwrites each one
Allstate policies are written by Allstate group companies. Dairyland policies are written by Sentry group companies, including Peak Property & Casualty. The brand on the advertising and the company on the policy are often different entities, and the complaint figures on this page belong to the named companies.
What each one covers
Allstate writes five lines and Dairyland writes two lines. Allstate writes auto, home, renters, motorcycle, and life. Dairyland writes auto, and motorcycle. If auto is all you need, the difference costs you nothing.
Price
Which is cheaper: Allstate or Dairyland?
Neither company is reliably cheaper. What sets the price:
The record sets the range. A ticket, an at-fault accident, or a moves the two prices by different amounts, and the direction is not consistent between states. A quote on the real record is what separates them.
Rates are filed state by state. Both companies file their rates with each state's regulator, so the same company charges different amounts in different states. Availability differs by state as well, and the data sheet above carries what each company publishes.
Telematics moves the number. Allstate runs Drivewise, a telematics program; the CMS records none for Dairyland. A telematics program measures driving through an app or a plug-in device and adjusts the price on the result. The size of that adjustment is filed per state.
One application. Real prices from the carriers writing in your state.