You need motorcycle insurance, and you've narrowed it down to Dairyland or Foremost. Smart move. Both are solid carriers, but they serve different rider needs.

Dairyland focuses on affordability and accessibility, covering 38 states with rates starting at around $7 per month. They're great for riders rebuilding insurance history or wanting straightforward multi-bike discounts.

On the other hand, Foremost operates in 48 states and targets enthusiasts with track-day coverage, premium custom parts protection up to $5,000, and no seasonal lay-up periods.

Your riding style should determine which one you choose. We’ll help you figure out which carrier best protects your specific ride.

Dairyland vs Foremost Motorcycle Insurance at a Glance

We’ve summed up the key differences between Dairyland and Foremost Motorcycle below:

How Do Custom Parts and Accessory Limits Stack Up?

Your aftermarket investments need proper protection. Dairyland offers optional special equipment coverage for permanent non-factory parts, while Foremost provides structured limits ranging from $3,500 to $5,000, based on your package.

Foremost's Elite package uses replacement cost instead of actual cash value. Your custom chrome and upgraded suspension will get replaced at today's prices without depreciation. Dairyland covers replacement costs for bikes three years old or newer, although you will need to specify custom parts separately.

What Makes Each Carrier's Discount Programs Different?

Dairyland rewards multi-cycle owners, homeowners, H.O.G. members, and Motorcycle Safety Foundation (MSF) course graduates. Their loyalty discount applies after one year.

Foremost's multi-vehicle and multi-policy discounts work across all Farmers companies, including Bristol West. If you bundle with existing policies, you could unlock bigger savings. Conversely, Dairyland offers more affordable rates, starting as low as $7 per month. It’s a budget coverage option that favors new or beginner riders.

Which Bike Types and Riding Styles Does Each Cover?

Dairyland covers the following types of bikes: standard motorcycles, cruisers, touring bikes, choppers, three-wheelers, sport touring, adventure touring, dirt bikes, mopeds, and scooters. They’ve been in the insurance business for more than 50 years, so they understand the diverse needs of riders.

Likewise, Foremost covers cruisers, dirt bikes, sport bikes, trikes, classics, electric motorcycles, and scooters. They excel in vintage and classic bikes for collectors.

The difference here is that Foremost includes track-day coverage in Plus and Elite packages. If you hit the race track, Foremost provides protection most carriers won't. However, Dairyland doesn't offer this, which makes Foremost the clear choice for track-day coverage.

How Do Claims and Service Experiences Compare?

The two carriers offer 24/7 claims support with different approaches. Dairyland provides bilingual support through its mobile app for filing claims, making payments, and managing policies. Their reviews show mixed results on complex claims.

Foremost's claims professionals receive specialized training on motorcycle claims. As part of Farmers Insurance, they tap into broader resources and an established claims infrastructure.

Similarly, Dairyland offers roadside assistance as an add-on, while Foremost includes it in Plus and Elite packages.

Which Carrier Matches Your Riding Style?

Choose Dairyland if you need affordable coverage quickly, especially if you have a non-perfect driving record. You also ride seasonally, own multiple bikes, belong to H.O.G., or live in one of the 38 states where they operate. Dairyland specializes in non-standard insurance for riders who may struggle to get coverage elsewhere due to gaps in their history, violations, or high-risk labels.

Foremost is a better fit if you hit the track regularly, own a heavily customized bike, or want year-round coverage without lay-up hassles. They operate in 48 states and have developed a program tailored for enthusiasts who demand comprehensive protection. Their Elite package includes first-accident forgiveness, replacement cost total-loss settlement, and track-day coverage that Dairyland doesn't offer.

The bottom line? Dairyland wins on accessibility and affordability, while Foremost excels in premium coverage for serious riders who refuse to compromise on protection.

Get Your Motorcycle Quote Through Roamly

Roamly works with both Dairyland and Foremost, as well as other partner carriers, to find you competitive rates. We compare coverage options side by side and explain exactly what you're getting.

Roamly Insurance Group, LLC is a licensed agency appointed with multiple motorcycle insurance carriers. When you request a quote, we shop coverage across our partner network (availability varies by state). You get options without having to contact multiple carriers yourself.

Disclosure: Policies are underwritten by partner carriers, and availability varies by state. We may receive compensation from carriers, but maintain editorial independence. Coverage isn't guaranteed, and not all carriers or coverage types are available in every location.

Start your quote today and get back to planning your next ride.