The Family Auto program is designed for the average to above average auto risk.  Qualifying insureds are responsible and well regarded in their community, meet their financial obligations, reflect pride in ownership, and looking for a long-term partnership with Wisconsin Mutual.


The Premier Auto program is designed for the above average risk with no losses and a clean motor vehicle record. This program requires that at least one vehicle on a policy carry full coverage.


The Educators program is available to applicants or spouses who possess a Wisconsin or Minnesota teaching certificate and are actively employed full-time as a teacher, professor or administrator in a Wisconsin or Minnesota school, college or university.


A Farm Automobile is a truck-type land motor vehicle or a trailer designed for use primarily in conjunction with the operation of a farm and the farmer’s private transportation. To be eligible for Wisconsin Mutual’s Farm Auto program, the applicant or spouse must have a Farm Policy with Wisconsin Mutual and reside at the farm residence. If the applicant does not have a Farm Policy with us, they may insure their Farm Autos in the Standard or Premier Auto programs. All other owned vehicles must be insured with WMI.



Provides payment for direct and accidental loss to your auto caused by any peril other than collision that is not otherwise excluded in the policy.

Examples of coverage include:

  • Falling Objects
  • Hail, Water, or Flood
  • Fire
  • Vandalism
  • Theft
  • Contact with Animal


Provides payment for the repair or replacement of your covered vehicle when in  an accident with another vehicle or object.


Compensates third parties for their injury or property damage losses that an insured becomes legally responsible for.


Medical Payments

Coverage for medical bills and/or funeral expenses for a covered driver and/or accompanying passenger, regardless of who is at fault in an accident.

Uninsured Motorist

Pays for medical expenses, lost wages, and other general damages when policyholders or passengers are injured in an accident caused by a driver who has no auto insurance.

Underinsured Motorists

Pays for medical expenses, lost wages, and other general damages when policyholders or passengers are injured in an accident caused by a driver who has insufficient auto insurance coverage.

Personal Injury Protection

Payment in accordance with the Minnesota No-Fault Automobile Insurance Act. Some of the benefits include medical expenses, work loss, essential services, funeral expenses, and survivors’ loss.

WMI Policy Perks

Common Loss Deductibles

If both your WMI insured home and auto incur a loss as a the result of the same occurrence, we only apply one deductible, not both!

Pet Medical Coverage

Pets are an important part of your family. With WMI, every auto policy comes with Pet Medical Coverage automatically at no extra charge.

Higher Chargeable Accident Threshold

Having one minor accident should not affect your insurance, and with WMI as long as the damage is less that $3,000 it won’t! Most insurance carriers set this threshold at $2,000 or less.

Accident Free Discount Forgiveness

Accidents happen, sometimes nothing can be done to avoid them. If you are receiving our Accident Free Discount on your policy and a minor accident occurs, we won’t completely take away your discount! The scale of your discount will be adjusted instead.

Additional Optional Coverages Include:

  • Rental Reimbursement
  • Emergency Service Reimbursement
  • Custom Equipment
  • Replacement Cost Coverage
  • Network Transportation Coverage
  • Motorhomes and Campers
  • Auto Lease Gap Coverage


To view your coverage forms log into My Policy.


Insureds may qualify for one or more of the following Wisconsin Mutual discounts:

  • Multi-Car
  • Auto/Home
  • Accident Free
  • Educator
  • Medical Professional
  • Paid in Full
  • Loyalty
  • Good Student
  • Youthful Safe Driver
  • Student-Away-At-School
  • Antique/Exhibition Car

Minnesota Only discounts:

  • Accident Prevention Course
  • PIP Opt-Out for Work Loss Benefits
  • Antitheft Protection Device Credit
Need more Information?

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