Is Wisconsin Farm Bureau Good for Auto Insurance?
Last Updated on January 20, 2021
Wisconsin Farm Bureau is a Wisconsin-based organization serving farmers across the state.
Like other Farm Bureau companies, Wisconsin Farm Bureau provides insurance products and services to members while also advocating for farmers across Wisconsin.
Is Wisconsin Farm Bureau good for auto insurance? Should you buy car insurance through Wisconsin Farm Bureau? Find out everything you need to know about the company today in our review.
About Wisconsin Farm Bureau
Wisconsin Farm Bureau is an insurance company and advocacy organization originally founded to serve farmers across the state of Wisconsin.
Today, the company insures thousands of policyholders across Wisconsin, providing a range of auto, home, and business insurance products.
As a Wisconsin Farm Bureau member, you get discounted rates on auto insurance through Rural Mutual Insurance Company. Rural Mutual Insurance Company is a Madison, Wisconsin-based subsidiary of Wisconsin Farm Bureau.
To get car insurance with Rural Mutual Insurance Company, you must be a Farm Bureau member. As a Farm Bureau member, you receive other perks, including discounts on farm equipment.
Rural Mutual Insurance company was founded in 1934 and is one of the top 50 property and casualty companies in the country, according to the official website. The company has a network of 150 agents in 100+ locations across the state.
Wisconsin Farm Bureau serves as a voice for farmers across the state. The company also supports agricultural and leadership programs like 4-H, FFA, and Ag in the Classroom.
Wisconsin Farm Bureau has offices in 61 counties across the state (there are 72 total counties in Wisconsin). The company emphasizes a local, grassroots approach to car insurance while offering the amenities of a larger organization.
Anyone can join Farm Bureau for an annual fee. The annual fee is typically around $20 to $90 per year, depending on your membership level. Agricultural workers who join Farm Bureau can upgrade to a regular membership, then vote within the American Farm Bureau Federation, choosing new policy positions, insurance products, and partner discounts.
Wisconsin Farm Bureau is part of the Wisconsin Farm Bureau Federation of insurance companies. Many states have their own Farm Bureau office (like Virginia Farm Bureau or North Carolina Farm Bureau). If you are a Farm Bureau member in a state without a Farm Bureau office, then you can get discounted rates at partner companies like Alfa, Country Financial, Nationwide, and American National.
Wisconsin Farm Bureau Insurance Products and Services
Wisconsin Farm Bureau and Rural Mutual Insurance Company offer a full lineup of insurance products, including:
Home Insurance: Rural Mutual Insurance Company sells homeowners insurance, renters insurance, dwelling coverage, and other home insurance products to Wisconsin Farm Bureau members.
Life Insurance: Farm Bureau Life Insurance Company sells life insurance and annuity products to Wisconsin Farm Bureau members and Rural Mutual Insurance Company policyholders.
Business Insurance: Rural Mutual Insurance Company offers business insurance to members, allowing businesses to protect their commercial property, vehicle fleets, and liabilities.
Farm Insurance: Wisconsin Farm Bureau members can buy farm insurance through Rural Mutual Insurance Company.
Financial Services: Farm Bureau Financial Services is a multi-state insurance and investment company. As a member of Wisconsin Farm Bureau, you can access products and services through Farm Bureau Financial Services. The organization is headquartered in West Des Moines, Iowa and serves thousands of individuals and families in multiple states.
How Does Wisconsin Farm Bureau Auto Insurance Work?
As a Wisconsin Farm Bureau member, you can buy auto insurance through Wisconsin-based Rural Mutual Insurance Company, which offers similar car insurance to other major providers:
Liability Insurance: Most states, including Wisconsin, require drivers to have a certain minimum amount of liability insurance. Wisconsin Farm Bureau members can buy bodily injury liability coverage, property damage liability coverage, and other liability coverages through Rural Mutual Insurance Company, allowing them to legally drive in the state.
Collision Coverage: Optional in all states, collision coverage protects your own vehicle after an accident. It compensates you for any repairs required after an accident.
Comprehensive Coverage: Also optional in all states, comprehensive coverage compensates drivers for theft, vandalism, hail damage, damage from animals, and other damage that occurs outside of an accident.
Uninsured and Underinsured Motorist Coverage: Thousands of drivers in Wisconsin have too little insurance – or no insurance whatsoever. Many drivers buy uninsured and underinsured motorist coverage for added protection.
Motorcycle Insurance: Wisconsin Farm Bureau members can buy motorcycle insurance and other insurance products through Rural Mutual Insurance Company.
Other Auto Insurance Products and Services: Wisconsin Farm Bureau and Rural Mutual Insurance Company offer all other auto insurance products and services you expect to see with a major insurer, including medical expense coverage, rental reimbursement coverage, emergency roadside service, and personal identity protection services, among other products.
What Makes Wisconsin Farm Bureau Auto Insurance Unique?
Wisconsin drivers have plenty of options for car insurance. Why choose Wisconsin Farm Bureau and Rural Mutual Insurance Company? Here are some of the unique selling features provided by the company:
Exclusively for Wisconsin: Wisconsin Farm Bureau’s auto insurance is available exclusively to drivers, families, farms, and businesses in Wisconsin. The organization’s insurance division, Rural Mutual Insurance Company, is based in Wisconsin and only sells car insurance to Wisconsin. Many Wisconsin drivers like the local approach and they appreciate knowing their premiums stay within the state.
Nearly 100 Years of Experience: Rural Mutual Insurance Company and Wisconsin Farm Bureau have sold insurance since 1934. They have nearly 100 years of experience protecting drivers, policyholders, and farmers across Wisconsin.
Focus on Farmers: Wisconsin Farm Bureau is an organization for farmers across Wisconsin. The organization advocates on behalf of farmers across the state. As a Wisconsin Farm Bureau member, you get a range of member benefits, including discounts on farm equipment, financial services, travel services, and insurance products.
Wisconsin’s #1 Farm Insurance Company: Wisconsin Farm Bureau and Rural Mutual Insurance Company serve farmers across the state. In fact, Rural Mutual Insurance Company is Wisconsin’s #1 farm insurer.
Wisconsin Farm Bureau Auto Insurance Discounts
Wisconsin Farm Bureau and Rural Mutual Insurance Company offer a range of discounts, making it easy for drivers to save hundreds or even thousands per year on car insurance. Available discounts include:
Multi-Vehicle Discounts: If you insure multiple vehicles with Rural Mutual Insurance Company, then you receive a discount across all policies.
Multi-Policy Discount: Rural Mutual Insurance Company offers a range of insurance products, and Wisconsin Farm Bureau sells life insurance. If you bundle multiple Rural Mutual Insurance Company policies or Wisconsin Farm Bureau policies together, you save hundreds across all policies.
Claims-Free Discount: Drivers with no claims in the past few years may qualify for a claims-free discount.
Good Student Discount: Full-time students achieving good grades in high school or college may qualify for a good student discount.
Pay Plan Discount: If you pay your premiums every six months (instead of monthly), then you qualify for Wisconsin Farm Bureau’s pay plan discount.
Wisconsin Farm Bureau Reviews & Ratings
Wisconsin Farm Bureau and Rural Mutual Insurance Company are well-rated by policyholders. Many policyholders appreciate the local approach to insurance. However, some feel that Rural Mutual Insurance Company has lower-quality customer service, claims satisfaction, and policy offerings compared to its larger competitors.
Rural Mutual Insurance Company has an A+ rating with the Better Business Bureau (BBB). The company has 1 total complaint in the last 3 years.
Auto insurance review company Motor1 recently reviewed Rural Mutual Insurance Company and concluded it was a good option for anyone living in a rural area of Wisconsin. However, the company cautioned that Farm Bureau’s coverage options are somewhat limited compared to competing car insurance providers and that the company has less-than-stellar customer service ratings.
Other review websites are less enthusiastic about Wisconsin Farm Bureau and Rural Mutual Insurance Company. Rural Mutual Insurance Company has an average rating of 2.87 stars out of 5 on review aggregator website Clearsurance, for example.
A.M. Best recently upgraded Rural Mutual’s financial strength rating to A+ (Superior) from an A (Excellent), which makes Rural Mutual one of only five single state insurers in the United States to receive an A+ rating. This strong rating indicates Rural Mutual should have no trouble covering customers’ liabilities or claims in the near future.
In April 2020, Rural Mutual Insurance Company announced it was refunding $3.5 million to Wisconsin customers. That was a refund of about 15% on two months of personal auto insurance premiums. The company announced the move to help ease the financial burden caused by the COVID-19 pandemic.
Final Word on Wisconsin Farm Bureau
Wisconsin Farm Bureau is a Wisconsin-based advocacy organization for farmers. The company partners with Rural Mutual Insurance Company to sell car insurance. As a Wisconsin Farm Bureau member, you can access discount rates with Rural Mutual Insurance Company.
Rural Mutual Insurance Company is a Madison-based company with nearly 100 years of experience insuring drivers across the state. The company has average ratings while offering a range of auto insurance products, services, and benefits to Wisconsin Farm Bureau members across the state.