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Directory · Company · Updated 2026-10-18

Rural Mutual Insurance Company · NAIC 15091

Where Rural Mutual Insurance Company is admitted, where it's eligible for surplus lines, the lines it's licensed for and how much of each it writes, from state regulators' public lists and market share reports.

Rural Mutual Insurance Company (NAIC 15091) is a property and casualty insurer domiciled in Wisconsin, part of Rural Mutual Group. State regulators list it as licensed (admitted) in Minnesota, Wisconsin. It ranked #1 of 49 in Wisconsin farm and crop in 2024 (36.9% share). It ranked #4 of 276 in Wisconsin commercial package (BOP, CMP) in 2024 (5.1% share). It ranked #7 of 312 in Wisconsin commercial auto in 2024 (2.8% share).

By Sam Alishahi, independent insurance broker · All companies

By state

Where it's licensed

States whose regulator lists are loaded: Alaska, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Iowa, Idaho, Illinois, Kentucky, Massachusetts, Maryland, Minnesota, Missouri, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Jersey, Nevada, New York, Ohio, Oklahoma, Oregon, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Washington, Wisconsin, West Virginia, Wyoming. Not on the lists we have for Alaska, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Iowa, Idaho, Illinois, Kentucky, Massachusetts, Maryland, Missouri, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Jersey, Nevada, New York, Ohio, Oklahoma, Oregon, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Washington, West Virginia, Wyoming, which doesn't by itself mean it isn't licensed there.

StateStatusLines licensedSinceSource
MinnesotaAdmitted (licensed)——Minnesota, 2026-10-18
WisconsinAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP), Farm and crop, Homeowners, Workers' compensation—Wisconsin, 2026-10-18
What it writes

Premium and rank by line

From the regulators that publish every company's direct premium by line.

Line and stateRankPremium writtenShareYear
Farm and crop in Wisconsin#1 of 49$103.5M36.88%2024
Commercial package (BOP, CMP) in Wisconsin#4 of 276$55.3M5.06%2024
Commercial auto in Wisconsin#7 of 312$28.1M2.77%2024
Homeowners in Wisconsin#11 of 161$34.9M1.46%2024
Personal auto in Wisconsin#13 of 155$64.9M1.43%2024
Workers' compensation in Wisconsin#15 of 312$39.1M2.10%2024
Standing

Where it's a top-10 writer

Rural Mutual Group (NAIC group 05099), the group Rural Mutual Insurance Company belongs to, ranks in the top 10 for these lines and states. Top 10 insurer groups by direct premium written in 2025, from the NAIC's Market Share Reports for Property/Casualty Groups and Companies by State. A group is the parent and its insurance companies together; share is the group's part of the state total for the line; loss ratio is losses incurred over premium earned.

Line and stateRankPremium writtenShareYear
Farm and crop in Wisconsin
Farmowners Multiple Peril
#1$116.5M36.09%2025
Commercial package (BOP, CMP) in Wisconsin
Total Commercial Multiple Peril
#3$77.1M6.31%2025
Commercial auto in Wisconsin
Total Commercial Auto
#10$30.9M2.57%2025

Method and source

Each row comes from the named regulator's public company list on the date shown, joined by NAIC number. "Admitted" means licensed by the state and backed by its guaranty fund; "surplus lines" means eligible to take risks the admitted market declines, without rate or form approval or guaranty fund protection. Premium and rank come from state market share reports that list every company. This is a public-records directory, not a rating or recommendation; for the company's own filings use the NAIC's Consumer Information Source.

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