Car insurance from a company that knows Wisconsin

We know what car insurance you need to be well-protected.

It seems everyone wants to sell you car insurance. When you buy it from Rural Mutual Insurance, you know you’re getting coverage from a company rooted in Wisconsin traditions. We can help you understand what insurance state law requires and what coverage levels you need. We’ve been protecting the people who live and work in our state since 1934.

We’re proud to be part of the communities we serve. A network of more than 100 locations across Wisconsin means our agents are your neighbors. We work hard to be good neighbors so you can be confident when you buy coverage from us. We have your needs and best interests at heart. That’s part of keeping Wisconsin a great place. Premiums paid here, stay here to keep Wisconsin strong.

Coverage for cars, motorcycles and more

Bodily Injury Liability Coverage

If you cause a car accident that injures someone, this helps cover injuries and protects you from any financial burden.

Property Damage Liability Coverage

If you’re responsible for an accident, this covers the cost of damages you unintentionally cause to someone else’s property.

Comprehensive Coverage

This covers situations other than an accident, like vandalism, hail, fire and theft.

Collision Coverage

This helps you repair or replace your vehicle if you collide with another vehicle or object.

Uninsured & Underinsured Motorist Protection

This covers damages for personal injuries you may experience if you’re injured in an accident and the other driver is at fault and doesn’t have insurance or enough insurance.

Medical Expense Coverage

If you or an insured passenger are hurt in an accident, this will cover medical or funeral expenses.

Rental Reimbursement Coverage

While your car is in the shop getting repaired, your rental car costs will be covered up to a stated amount.

Emergency Roadside Service

If your car breaks down, this helps you get back on the road to your destination.

Personal Identity Protection Services

Rural Mutual Insurance Company understands your identity is your most valuable asset—that’s why we’re proud to provide you and your family members with identity protection services—at no additional cost. Click here to learn more about identity theft FAQs.

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Multi-policy Discounts

Multi-Vehicle – Add more than one household vehicle to your policy to receive a multi-vehicle discount.

Multi-Policy – Bundle and save! Purchase a home insurance policy with your auto policy to earn discounts.

Good Student – Getting good grades? Get rewarded for your hard work.

Claims Free – Been a while since your last claim? Receive a discount for staying safe!

Acquisition – Are you a new farm insurance customer of ours? Add auto insurance and get the rate you are currently paying if it is cheaper than our rate!

Pay Plan Discount – Get a discount if you pay your premium every 6 months.

Talk to your agent to see if you qualify!

Be an Insurance Expert

gap insurance

What is Gap Insurance?

Learn what is gap insurance is and the important coverage that it can provide you should your vehicle be in an accident. Read more.

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