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Rural Mutual Insurance Company is a single-state insurance provider based in Wisconsin. The company provides some basic car insurance coverage options, as well as a few extras. We’ll cover Rural Mutual Insurance Co. in detail here.

As always, we recommend comparing car insurance quotes from multiple companies before making a final decision.

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Rural Mutual Insurance Overview

As its name suggests, Rural Mutual Insurance can be a good option for rural residents and Wisconsin farmers. Here are a few highlights of the insurer:

  • Founded in 1934 in Madison, Wisconsin
  • Over 150 agents in more than 100 locations across Wisconsin
  • A+ rating from the Better Business Bureau (BBB)
  • A+ financial strength rating from AM Best
  • Complimentary identity protection services with insurance plans
  • Offers other products like health and life insurance

It’s affiliated with the Wisconsin Farm Bureau, and you need to be a Farm Bureau member to purchase Rural Mutual Insurance.

Farm Bureau membership is open to anyone, not just farmers. It costs between $50 and $60 per year depending on your county. As a Wisconsin Farm Bureau member, you can get discounts on a number of things, including:

  • Commercial agricultural products and services
  • Pharmacy prescriptions
  • Financial services
  • Travel and entertainment

Besides personal auto, Rural Mutual Insurance also offers life, home, renters, farm, and health insurance products. You don’t need to be a rural resident to get insurance from this provider – a number of customers in suburban and metropolitan areas use the company as well.

If you do have a farm, you can get a farm insurance policy through Rural Mutual and enjoy up to five percent back through the company’s Farm Dividend program.

Rural Mutual Insurance Costs

Many things affect the price of car insurance. Just because your friend found a cheap plan doesn’t mean you will, but the opposite is also true. Things that affect your premium include:

  • How often you drive
  • The type of car you have
  • Your age
  • Your driving record
  • Your zip code
  • Your credit rating

The good news is that policyholders in Wisconsin pay some of the cheapest rates in the nation on average. According to the Insurance Information Institute, the state has the seventh-cheapest yearly rates.

According to our research data, these providers offer the cheapest rates in Wisconsin:

Cheapest Car Insurance Providers in Wisconsin

Car Insurance CompanyAnnual Rate Estimate
State Farm$1,162
Erie Insurance$1,457
West Bend Mutual Insurance$1,509

*These rates are based on 35-year-old drivers with good credit and a clean driving record.

Of course, that doesn’t mean Rural Mutual Insurance is necessarily your cheapest option in Wisconsin. But Rural Mutual offers a few discounts for drivers to save money. These include:

  • Multi-vehicle: Get this discount for insuring more than one car.
  • Multi-policy: Save when you bundle insurance policies.
  • Good student: Students with good grades can qualify for this discount.
  • Claims-free: Save money by being a safe driver.
  • Pay-plan: If you choose to pay in full at the start of each term, you can get a discount.
  • Acquisition: Rural Mutual Insurance can match your current auto premium if you are a new customer.

That last discount is unique – not many companies will offer to match a lower price. However, all of these discounts come with a caveat: You have to qualify for them.

With the acquisition discount, Rural Mutual Insurance should be the cheapest option around. But some of the customer reviews we looked at said the auto insurance company’s prices are higher than other options. It could be that the acquisition discount only applies to the first policy period.

Rural Mutual Insurance Coverage

Here are the standard coverage options for auto insurance you can get from Rural Mutual:

Liability Auto InsuranceBodily injury liability covers medical bills for other people in accidents you cause. Property damage liability covers damage to other cars in accidents you cause. Liability coverage is required by law in Wisconsin.
Comprehensive Car InsuranceThis option covers damage to your car from environmental events, and it covers theft and vandalism.
Collision InsuranceThis covers damage to your car after an accident. You can use it no matter who was at fault. The combination of comprehensive, collision, and liability is usually called “full coverage.”
Medical Expense Coverage (MedPay)MedPay in Wisconsin covers medical costs and funeral expenses. It’s also required by the state.
Uninsured/Underinsured MotoristThis coverage protects you if you get into an accident with someone who doesn’t have enough insurance. Uninsured motorist coverage is required in Wisconsin.

You can get any of the above coverages with most car insurance providers in Wisconsin. Here are a few extras that Rural Mutual Insurance also offers:

Rental ReimbursementThis pays toward a rental car up to limits that you specify.
Roadside AssistanceRoadside assistance covers things like spare tire installation, lockout services, and battery jump-starts to get you back on the road.
Identity ProtectionAccess free identity theft protection services through CyberScout.

Rural Mutual Insurance Quotes And Claims

Unfortunately, Rural Mutual Insurance doesn’t offer instant quotes online. You can start the quotes process with Rural Mutual on the company website, but you’ll have to wait for a response from an agent to see prices.

If you need insurance right away, it would be best to find a local agent and call them instead of using the online form.

If you aren’t a Wisconsin Farm Bureau member, you can purchase a membership when you apply. Keep in mind, a membership will add $50–$60 when you join and each year after that.

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You have three options for reporting a claim to Rural Mutual Insurance:

  • Call your local agent
  • Call a 24/7 claims number
  • Fill out an online form

After you submit a claim, an adjuster should contact you within 24 hours or less.

According to J.D. Power, the average car insurance claim took about 10 days to be resolved in 2020. Of course, a fender bender can be resolved quicker than a multi-car accident where different drivers share different levels of fault.

Rural Mutual Insurance Customer Reviews

Rural Mutual Insurance has a A+ rating from the BBB. Looking at other sources, the company gets mixed reviews. A number of customers mention saving money and experiencing great customer service, while some reviewers say the opposite. Here are a few examples:

Positive Rural Mutual Insurance Reviews

“A mutual company in Wisconsin that prides itself on customer service… The agents and adjusters are some of the best in the industry. Definitely worth your while to get a quote from your local [Rural] Mutual agent for personal, farm, business, or whatever your needs might be.”

– Rodny T. via Google

“Great insurance company! My agent is very responsive [and] helpful! They offer very competitive rates as well! Highly recommend!”

– Samantha C. via Facebook

Negative Rural Mutual Insurance Reviews

“…the other driver was 100 [percent] at fault and was cited at the scene by the police… 18 months and 10 days later and still no compensation for my out-of-pocket costs. No help from Rural Mutual.”

– Ken H. via Google

“[I] always have billing issues and can’t ever get ahold of my agent.”

– Brian F. via Facebook

Our Take On Rural Mutual Insurance: 3.0 Stars

Overall, Rural Mutual Insurance could be a good option if you live in a rural area in Wisconsin, or if you want to take advantage of other Farm Bureau perks. Its coverage options are somewhat limited compared to other car insurance providers, and it has average customer service ratings.

We recommend reaching out for a quote from Rural Mutual Insurance and a few other top providers to ensure you get the best coverage and rates.

Pros A+ financial strength rating Complimentary identity protection services Can match current insurance cost
Cons Not available outside Wisconsin No online quote form Requires Farm Bureau membership No app or usage-based program

Our Recommendations For Car Insurance

While you might feel like you have to be loyal to your current insurance provider, you can really shop for car insurance as often as you’d like. That can be as often as every six months when your policy is up for renewal.

Shopping for insurance can be daunting, so we’ve reviewed a number of the top auto insurance companies on the market. We ranked providers on things like coverage, price, customer service, and availability, and USAA and Progressive were two that came out ahead.

Fill out the simple quote tool below or call (844) 246-8209 to start comparing auto insurance rates.

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USAA: 4.8 Stars

If you or anyone in your family is connected to the military, you should definitely check out auto insurance from USAA. It tends to be one of the cheapest providers for many different people. You can get standard coverage options plus a few extras:

  • Roadside assistance
  • Gap coverage
  • New car replacement
  • Rental reimbursement
  • Accident forgiveness
  • Glass coverage

We like that USAA has a reliable app that you can use to request roadside assistance, submit a claim, and manage your policy. You can get a full quote online from USAA, though you’ll have to set up an online profile and provide information about your military affiliations.

USAA knocked it out of the park on two car insurance customer service studies by J.D. Power: the 2021 U.S. Auto Claims Satisfaction Study and the 2021 U.S. Insurance Shopping Study. The company also has an A++ financial strength rating from AM Best.

Learn more in our complete USAA auto insurance review.

Progressive: 4.6 Stars

Progressive is another great choice for car insurance. In our review of Progressive auto insurance, we found that the company has a number of useful coverage options, handy tools, and good discounts.

In particular, Progressive’s Snapshot program tracks your driving and rewards you with discounts for being safe. It tracks things like hard braking, quick acceleration, fast corners, and late-night trips. Since many of these things are more often symptoms of city driving, rural drivers have a good chance of getting discounts with Snapshot.

Some more highlights about Progressive include:

  • 13 discounts in total
  • Price comparison tool
  • Name Your Price®  tool
  • Deductible savings bank

Progressive has an A+ financial rating, but it performed average on both studies by J.D. Power.

Get Quotes

Whenever you shop for car insurance, we recommend getting quotes from multiple providers so you can compare coverage and rates. In addition to the insurance company you choose, factors such as your age, vehicle make and model, and driving history can affect your premium, so what’s best for your neighbor might not be best for you.

Use our tool below or call our team at (844) 246-8209 to start comparing personalized car insurance quotes:

Compare auto insurance rates
Enter your zip code to shop for the best rates in your area:


In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.

  • Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
  • Availability: We consider availability by state as well as exclusions for specific groups of drivers.
  • Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
  • Cost and Discounts: Our research team reviews auto insurance rate estimates generated by Quadrant Information Services for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
  • Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
  • Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.