Is GEICO cheaper than Dairyland?

Not reliably, in either direction. Both companies file rates state by state, and the lead changes with the state and the driving record. For the same driver in the same state, either can return the lower number.

Which is financially stronger, GEICO or Dairyland?

AM Best rates GEICO A++ and Dairyland A+. A++ is the highest grade AM Best issues, and the grade measures the ability to pay claims rather than service or price.

Do GEICO and Dairyland file SR-22s?

Both companies file SR-22s, on terms set by each state. An SR-22 is a form the insurer files with the state to prove you carry the required coverage. It attaches to a policy rather than being one.

Auto insurance · Updated August 2026

GEICO vs Dairyland

Q: Which has fewer complaints, GEICO or Dairyland?

Dairyland, on the NAIC's published index. On the NAIC's 2025 complaint index, GEICO General Ins. Co. drew 0.88 and Peak Property & Casualty Ins. Corp. drew 0.61, against an industry median of 1.00.

GEICO is built for drivers who buy direct and manage the policy in the app. Dairyland is built for drivers who need an SR-22 or motorcycle coverage. On the NAIC's 2025 complaint index, GEICO General Ins. Co. drew 0.88 and Peak Property & Casualty Ins. Corp. drew 0.61, against an industry median of 1.00. AM Best rates GEICO A++ and Dairyland A+. Neither is reliably cheaper. For the same driver in the same state, either can return the lower number.

By Kevin Lee, licensed insurance agent · NPN 19669698

The short answer

GEICO, for the higher financial-strength grade.

GEICO has written auto since 1936 and writes through GEICO group companies, part of Berkshire Hathaway. AM Best rates it A++, the highest grade it issues. It writes five lines: auto, motorcycle, renters, home, and RV. DriveEasy adjusts the price to recorded driving. The tradeoff: it drew 0.88 on the 2025 complaint index against Dairyland's 0.61.

Dairyland, for the stronger complaint record.

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: AM Best rates it A+ against GEICO's A++, it writes two lines against GEICO's five, and it runs no program.

On price, there's no standing winner.

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.

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Side by side

GEICO vs Dairyland: the data sheet

Sources are listed under the measured figures. How we compare

	GEICO	Dairyland
Built for	Drivers who buy direct and manage the policy in the app	Drivers who need an SR-22 or motorcycle coverage
Who underwrites it	GEICO group companies, part of Berkshire Hathaway	Sentry group companies, including Peak Property & Casualty
Complaints per policyDairyland, ahead of GEICO	0.88 536 complaints on $12.8B written	0.61 14 complaints on $485M written
	NAIC complaint index, 2025, private passenger auto · GEICO General Ins. Co. vs Peak Property & Casualty Ins. Corp. · 1.00 is the industry median
Financial strengthBoth strong; GEICO a step higher	A++ Superior	A+ Superior
	AM Best financial strength rating · A++ is the highest issued
Coverage you can buyGEICO, if you want to bundle	5 lines auto, motorcycle, renters, home, rv	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	DriveEasy	None
Availability	All 50 states	No published state list; varies by state
Known for	Direct sales, fast quotes, multi-policy discounts	SR-22 filings, motorcycle coverage, flexible payments since 1953

In practice

Where they differ

The complaint records

On the NAIC's 2025 complaint index, GEICO General Ins. Co. drew 0.88 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 GEICO A++ and Dairyland 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

GEICO policies are written by GEICO group companies, part of Berkshire Hathaway. 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

GEICO writes five lines and Dairyland writes two lines. GEICO writes auto, motorcycle, renters, home, and RV. Dairyland writes auto, and motorcycle. If auto is all you need, the difference costs you nothing.

Price

Which is cheaper: GEICO 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. GEICO runs DriveEasy, 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.

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