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Wisconsin Mutual Insurance Company Review & Complaints: Auto, Home, Farm & Business Insurance

Wisconsin Mutual Insurance Company is available in Minnesota and Wisconsin. Wisconsin Mutual has an A+ rating with the Better Business Bureau (BBB), with only one complaint on file in the past three years. Although you won’t be able to get an online Wisconsin Mutual Insurance quote, you will find everything you need to know about claims and insurance products in our Wisconsin Mutual Insurance review.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Sep 21, 2020

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Based in Madison, Wisconsin Mutual Insurance Company has more than 100 years of experience serving their regional market.  Looking to buy Wisconsin Mutual auto insurance? If you want to compare car insurance or other offerings, you can’t get an online Wisconsin mutual insurance quote. However, you can get one through your local agent.

Wisconsin Mutual write a basic lineup of personal and business insurance policies along with some specialty products, and recently expanded into Minnesota.

Hoping to find affordable Wisconsin Mutual auto insurance? Compare insurance quotes today to make sure you are getting the best deal. Enter your ZIP now to start receiving quotes to compare with your current Wisconsin Mutual Insurance policy.

About Wisconsin Mutual

Originally named Wisconsin Tornado Mutual Insurance Company, Wisconsin Mutual was founded in 1903 in the city of Milton, WI. The company relocated to Madison in 1946 and change its name to the current version at the same time.

The company has grown to insure more than 100,000 homes and 50,000 cars in the state of Wisconsin. They also offer farm, business, and umbrella insurance.

Products are sold by a network of more than 1,000 agents across the state. In 2017, Wisconsin Mutual made its first move beyond the borders of its home state, expanding to offer coverage in neighboring Minnesota.

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Wisconsin Mutual Insurance Products

Wisconsin Mutual writes both personal and business insurance, including home insurance, auto insurance, farm, and business package policies.

Auto Insurance

Wisconsin Mutual auto insurance is offered at several levels. Their standard program is for drivers of average or above-average risk, while the premier program is for those considered to be an above-average risk and requires a clean driving record.

There is also an Educator program for teachers, professors, and school administrators holding a valid teaching certificate. The last program option is the Farm program which is tailored to the needs of farmers and their families.

Wisconsin Mutual auto insurance company’s auto policies include all of the basics – liability, comprehensive, and collision – as well as several add-ons such as rental reimbursement, roadside assistance, custom sound equipment coverage, trailers, and loan/lease gap coverage.

Watch this video to learn more about the types of auto insurance available.

Common car insurance discounts offered by the company include multi-policy, good student, and safe driver. Some discounts are offered only in Minnesota.

Check out this table of the auto discounts offered by Wisconsin Mutual.

Wisconsin Mutual Insurance Discounts and Availability
DiscountAvailable to all InsuredsAvailable in Minnesota Only
Youthful Safe Driverx
Good Studentx
Student away at schoolx
Antique/exhibition carx
Paid in full 12-month termx
Accident Prevention Coursex
PIP out of work loss benefits 10-15%x
Antitheft protection device creditx
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Wisconsin Mutual also allows you to bundle these discounts so you can really rack up the savings.

Home Insurance

Wisconsin Mutual offers a variety of home insurance policies including standard homeowners, seasonal, and country home.

The Standard program is available to traditional single-family homes, condos, and mobile homes that are average to above average and do not qualify for higher-level insurance programs.

Premier is the program for 1980 or newer homes that have a higher value and meet specific update standards.

Finally, Premier Plus is the highest-level program, again aimed at newer and higher value homes and with more stringent requirements.

Country Home policies are for hobby farms or country ranch type homes that are more rural in setting and include some incidental farming or ranching operations. This plan includes farm liability and equipment coverage.

Seasonal home insurance is available for vacation homes that are not occupied during certain parts of the year. The program covers three-season homes and requires a primary residence insured with the company.

Finally, dwelling policies are available for 1-4-unit non-owner-occupied residences. This product is aimed at the needs of landlords.

Farm Insurance

Wisconsin Mutual offers a farm owner package policy that covers the home and personal property as well as farming operations and equipment. This policy differs from a country home policy in that it is intended for true farming operations.

Several types of small to medium operation can be covered by this program, including dairy, beef, hogs, horse, and grain.

Business Insurance

Both Businessowners package policies and Artisan policies are offered, including basic coverage needs such as liability and business property coverage. The site offers little information on these policies.

Umbrella Insurance

Wisconsin Mutual writes umbrella insurance policies for all three of their lines of business. Personal, commercial, and farm umbrella can be purchased to provide extended liability protection above and beyond the underlying policies.

Wisconsin Mutual Auto Insurance Rates

Online quoting is not offered for Wisconsin Mutual, which is not uncommon for this type of insurance company. Quotes can be obtained through a local agent; the website offers an agent locator by zip code search.

In general, companies like Wisconsin Mutual do not have the least expensive rates, and usually, make up for this with a greater focus on customer service.

We would not expect them to compete with the big-name companies on rates, particularly direct-buy companies like Geico, but rates are only a part of the total value offered by a policy.

Wisconsin Mutual Claims

Claims can be reported in one of three ways. There is an online claim reporting form, a toll-free main phone number, and the option to report the claim through your agent. After-hours emergency claims have a separate phone number that is available after business hours.

The Wisconsin Mutual Insurance Company’s phone number is 800-831-5959.

Wisconsin Mutual Insurance customer service, policyholder access, and agent login are all available on the company website.

Wisconsin Mutual has a direct repair program using preferred repair shops that work directly with the insurance company on claims. The insured can use any shop of their choosing, but they must provide two different quotes if not using a direct repair shop.

There are also preferred vendors listed for rental cars as well as for towing services. The auto glass repair program also uses a list of vendors that work directly with the insurance company to handle quick glass replacement or repair.

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Wisconsin Mutual Insurance Reviews and Ratings

Wisconsin Mutual has an A+ rating with the Better Business Bureau (BBB), with only one complaint on file in the past three years. There have not been any complaints closed in the past 12 months.

There is one review on the page, written by someone involved in an accident with a Wisconsin Mutual customer and citing a poor claims experience.

Google reviews rate Wisconsin Mutual with 2.9 stars, out of 22 reviews. The company did not respond to most of the reviews, positive or negative.

The Bottom Line

Wisconsin Mutual may be a good pick if you prefer a smaller, local insurance company and also like to work with an agent to handle your insurance needs.

They appear to have solid auto and home programs, but without rate information, it is difficult to determine the value offered. There are no red flags in terms of reputation, and in fact, they appear to have a positive reputation overall.

Shop around to get the best deals on your insurance, whether it’s for your auto or home. Enter your ZIP now to have quotes sent to you that you can compare with your Wisconsin Mutual auto insurance quotes.




For a list of companies that we recommend, visit our Best Insurance Companies page.

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Review Information

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Wisconsin Mutual Insurance Company
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About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.


  1. House got twisted from a tornado, adjuster never really looked at it.

    Siding is wrinkled, the foundation is moved, and all he wants to do is super glue and duck tape is back together.

    I guess he wants the big commission check from the money he saves the company by screwing people who need it to rebuild their house

    Total scammers, liars and they hang the phone up when you talk to them.

    Sure hope that these liars sleep at nite with one eye open.

  2. Had been in an accident with a person that was at fault and insured through this company, That happened back on 11/4/2018.

    With only calls from me to them, as they at no point will call you about their responsibility to fix your car, Having to still work towards a resolution for damages to my car, after we provided the quotes for repair. Crickets!

    You again will not hear from them unless you call them repeatedly, Seems they are more interested in selling insurance than taking care of the responsibility of handling claims timely or fairly.

    They will try to low ball you beyond what you would think would be even remotely fair,

    That’s probably why the person talking to you seems to have a hard time telling you what they are going to do for you, as it is probably shocking and in acceptable based off what the repair damages quoted really are.

    The company seems to be on the unethical side to me. I would not recommend this company to anyone, I will tell anyone with an ear, about my experience with them, Which is still NOT resolved after 6 months. WOW!

  3. After record-breaking snowfall, this winter, the pole barn roof on our family farm finally collapsed. If the roof had blown off in a wind storm, or the pole barn was destroyed in a fire, we would have been covered.
    We were denied coverage because they claim that a “rider” to our policy was required, a detail that the huckster that sold us the policy conveniently left out.

  4. Our car was rear-ended by someone driving a car insured by Wisconsin Mutual. We were advised by our insurance company and our repair shop to deal directly with Wisconsin Mutual because we would get the best result. That’s not what happened at all and they made the process take longer and be more painful than it needed to be. Their insured was clearly at fault and they just needed to remedy the situation. Instead, their adjuster refused to speak with me and it took 5 days to get a rental car (we are a one car household). In the end, we had to go through our own insurance company anyway and we’ll have to probably sue them to get all of the money due to us for car rental copays, etc. I would not recommend this company to anyone. I don’t care how old or “established” they are.

    • I am going through the exact same situation right now with this company.

  5. I had a fire on my outside boiler and pay insurance on it and would not cover it, very disappointed in them. To pay all that money each year, and when u need it to replace what you lost, you can not get it but just keep paying them. That’s bad.

  6. My daughter, with a 4.0 at her HS. slid into a curb while leaving a stop sign on her way to work on a slippery, icy morning. WM called this an “at fault accident” and removed her 20% Good Student discount. The claim paid was for $600. WM wants an additional $200/year as a result. When investigating whether the claim was “worth” filing, my agent told me it would not affect my premium. WM is not in business to protect you. It is in the business to make money. I will be canceling my homeowners insurance and auto insurance policies with Wisconsin Mutual asap. I spoke to both the underwriter responsible for case, and the WM claims adjuster. Both hid behind a policy designed to rob clients. The fact is: the “Good Student Discount” is really a “Perfect Driver and Good Student Discount”. My daughter received no citation and conditions were not considered. The Claim Adjuster didn’t even speak to my daughter about the accident.

    • If your daughter is not at fault for that accident, then who is? Sounds like she was driving too fast for conditions and failed to maintain control of the vehicle. If there was a kid standing on that curb, and your daughter hit him, wouldn’t that kid’s parents consider your daughter “at-fault”? Besides that, I agree with you that it is deceptive to call it a “good student discount” if that is not the only qualification.

      • If you read the comment it stated she was leaving the stop sign, ice is ice, 5 mph can be to fast,

        It’s WM screwing to honest people


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