Sentry Auto Insurance Review: Providing Coverage for All Kinds of Business Vehicles
Review
Updated
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Sentry Auto Insurance is good for business owners with a fleet to insure. Rather than being owned by shareholders, Sentry is a mutual company owned by its policyholders
Sentry Auto Insurance offers businesses an impressive array of insurance policies, covering everything from business vehicles to equipment. For individual policies, Sentry refers customers to Dairyland Insurance.
While we don't have actual Sentry Auto Insurance premium rates to compare, commercial auto insurance is usually more expensive than personal auto insurance coverage. This is primarily because commercial policies tend to carry higher limits. Commercial policies may also cover a fleet of vehicles with multiple drivers, including drivers with poor driving records. When an insurer writes an individual policy, it can look at a driver's record and predict the likelihood of a claim. The same is not true when an insurer writes a commercial policy. Higher rates are an insurance company's way of covering its bases.
There's also the fact that policy costs vary wildly based on the type of vehicle being insured and the number of vehicles insured. To learn more about how much it will cost to provide coverage for its vehicles, businesses can contact Sentry directly
Sentry offers up to 5% discount for customers who share electronic logging device (ELD) and dashcam data.
Sentry provides coverage for nearly every commercial vehicle type on the road. For people looking for coverage for their personal vehicles, Sentry refers drivers to its subsidiary, Dairyland. Drivers can also check out our list of the best car insurance companies for more options.
If a business uses a vehicle of any kind, chances are, Sentry offers coverage.
Rated A+ (Superior) by AM Best for financial strength 32 years in a row. This rating clearly indicates that Sentry can meet its financial obligations when a claim is made.
It is difficult to determine customer ratings for Sentry because most online ratings refer to personal policies written by Dairyland. There are also too few samples of Sentry-specific reviews to address the company's reputation for customer service fairly.
Sentry may not write individual auto policies, but the company still offers a wide range of coverage options by focusing solely on businesses' insurance needs.
2025 Award Winner
When looking for a commercial vehicle insurer that also insures personal vehicles: The Hartford shines where Sentry does not. However, keep in mind that The Hartford's selection of policy types is somewhat limited compared with Sentry's.
When looking for a commercial vehicle insurance company known for competitively low rates: Progressive is typically tough to beat. However, Progressive does not offer the same range of policy types as Sentry.
Sentry Auto Insurance might be best for those who:
To be clear, Sentry covers fleets of cars and other motor vehicles, while its subsidiary, Dairyland, covers personal policies. While that means insuring personal vehicles and business vehicles with separate insurers, it may be worth considering for those who wish to work with a seasoned commercial insurer.
At Motley Fool Money, insurers are rated on a scale of one to five stars. We primarily focus on pricing, coverage options, and customer satisfaction; however, we also take into account features like unique discounts, online and app-based experiences, and branch access. Our highest-rated auto insurances generally include low costs, solid coverage, and high customer satisfaction.
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