Is Progressive 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, Progressive or Dairyland?

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

Do Progressive 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

Progressive vs Dairyland

Q: Which has fewer complaints, Progressive or Dairyland?

Dairyland, on the NAIC's published index. On the NAIC's 2025 complaint index, Progressive Direct Ins. Co. drew 0.74 and Peak Property & Casualty Ins. Corp. drew 0.61, against an industry median of 1.00.

Progressive is built for standard drivers, plus non-standard tiers. Dairyland is built for drivers who need an SR-22 or motorcycle coverage. On the NAIC's 2025 complaint index, Progressive Direct Ins. Co. drew 0.74 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

Progressive, for the wider lineup.

Progressive has written auto since 1937 and writes through Progressive group companies. It writes eight lines: auto, home, renters, motorcycle, specialty property, RV, pet, and life. Snapshot adjusts the price to recorded driving. The tradeoff: it drew 0.74 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: it writes two lines against Progressive's eight, 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

Progressive vs Dairyland: the data sheet

Sources are listed under the measured figures. How we compare

	Progressive	Dairyland
Built for	Standard drivers, plus non-standard tiers	Drivers who need an SR-22 or motorcycle coverage
Who underwrites it	Progressive group companies	Sentry group companies, including Peak Property & Casualty
Complaints per policyDairyland, ahead of Progressive	0.74 367 complaints on $10.4B written	0.61 14 complaints on $485M written
	NAIC complaint index, 2025, private passenger auto · Progressive Direct 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 buyProgressive, if you want to bundle	8 lines auto, home, renters, motorcycle, specialty property, rv, pet, 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	Snapshot	None
Availability	All 50 states and Washington, D.C.	No published state list; varies by state
Known for	Bundling, Name Your Price, usage-based 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, Progressive Direct Ins. Co. drew 0.74 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

Progressive policies are written by Progressive 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

Progressive writes eight lines and Dairyland writes two lines. Progressive writes auto, home, renters, motorcycle, specialty property, RV, pet, and life. Dairyland writes auto, and motorcycle. If auto is all you need, the difference costs you nothing.

Price

Which is cheaper: Progressive 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. Progressive runs Snapshot, 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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