Ag Workers Auto Insurance Review for 2025 (+Rates & Discounts)
Ag Workers Mutual Insurance only sells policies in three states, and minimum coverage starts at $55 a month. Safe drivers can save up to 10%, plus 15% for bundling. Our Ag Workers auto insurance review details liability, collision, comprehensive, uninsured motorist, and PIP coverages available in TX, OK, and AR.
Jimmy McMillan
Licensed Insurance Agent
Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent life insurance brokerage. His company specializes in life insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast...
Licensed Insurance Agent
UPDATED: Jun 26, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Jun 26, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
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Ag Workers Insurance
Monthly Rate:
$55A.M. Best Rating:
A-Complaint Level:
MedPros
- Tailored for the agricultural community
- Strong financial & customer ratings
- Affordable & flexible policy options
Cons
- Limited to Texas, Oklahoma, and Arkansas
- Limited online tools
Our Ag Workers auto insurance review finds discounts up to 15% for bundling and 10% for safe driving, with flexible payment options that make coverage more accessible.
Ag Workers Auto Insurance Rating| Rating Criteria |  |
|---|---|
| Overall Score | 3.3 |
| Business Reviews | 4.0 |
| Claims Processing | 3.6 |
| Company Reputation | 3.5 |
| Coverage Availability | 1.6 |
| Coverage Value | 3.4 |
| Customer Satisfaction | 1.4 |
| Digital Experience | 2.5 |
| Discounts Available | 5.0 |
| Insurance Cost | 4.0 |
| Plan Personalization | 3.0 |
| Policy Options | 2.2 |
| Savings Potential | 4.3 |
Agricultural Workers Mutual Auto Insurance Company delivers affordable coverage starting at $55 per month for Texas, Oklahoma, and Arkansas drivers, an excellent choice for those seeking the cheapest car insurance.
Liability, collision, comprehensive, uninsured/underinsured motorist, and PIP coverage are available through Ag Workers Finance Company.
- Ag Workers auto insurance rates start at $55 a month
- It tailors coverage for farmers, ranchers, and agriculture-based employees
- Car insurance coverage is only available in Texas, Oklahoma, and Arkansas
Understanding how insurance works can feel complicated, but finding affordable rates doesn’t have to be. Enter your ZIP code to receive the best insurance rates you can.
Ag Workers Auto Insurance Rates For Different Drivers
Ag Workers Insurance charges more for drivers under 40, with teens paying the highest rates. As you can see in the table below, full coverage insurance with Ag Workers doesn’t fall below the national average until drivers turn 45.
Monthly rates also vary significantly based on driving record. A single ticket raises costs to $107 and $249 a month, respectively, while one at-fault accident increases rates to $129 monthly for minimum and $274 per month for full coverage.
Ag Workers Auto Insurance Monthly Rates by Driving Record| Driving Record | Minimum Coverage | Full Coverage |
|---|---|---|
| Clean Record | $86 | $205 |
| One Accident | $129 | $274 |
| One DUI | $165 | $311 |
| One Ticket | $107 | $249 |
The highest premiums apply to drivers with a DUI, who can expect to pay $165 for minimum coverage and $311 for full, reflecting the insurer’s emphasis on rewarding safe driving behavior.
Accidents, DUIs, and tickets raise rates by increasing your risk. Try telematics and check your record for errors. For example, removing an old violation can lower your premium.
Jeff Root Licensed Insurance Agent
Maintaining a clean record is one of the best hacks to save more money on car insurance, especially with Ag Workers Mutual Insurance Company.
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Comparing Ag Workers Auto Insurance Costs
Car insurance rates per month are widely different across providers and coverage levels. Ag Workers Mutual is one of the most expensive options when compared to providers like USAA and Erie Insurance. See more quotes in our Erie auto insurance review.
Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
 | $86 | $205 |
 | $87 | $228 |
 | $32 | $84 |
 | $76 | $198 |
 | $43 | $114 |
 | $96 | $248 |
 | $63 | $164 |
 | $56 | $150 |
 | $47 | $123 |
 | $32 | $84 |
However, its full coverage auto insurance rates are cheaper than other top insurers based on credit score. Drivers with bad credit can expect lower premiums from the Agricultural Workers Mutual Insurance Company.
Auto Insurance Full Coverage Monthly Rates by Credit Score
| Insurance Company | Good Credit | Fair Credit | Bad Credit |
|---|---|---|---|
 | $112 | $136 | $175 |
| $127 | $152 | $195 |
| $119 | $144 | $182 |
| $135 | $165 | $220 |
| $115 | $140 | $175 |
| $132 | $158 | $205 |
 | $118 | $143 | $185 |
| $125 | $150 | $190 |
| $120 | $145 | $180 |
| $110 | $130 | $160 |
Ag Workers auto insurance rates average $175 a month with a poor credit score, cheaper than State Farm, Erie, and Progressive. These variations highlight the importance of comparing providers to find the best value for your specific needs.
Ways to Save on Ag Workers Insurance
Ag Workers offers numerous discounts to help policyholders save on premiums, including a 15% multi-policy discount for bundling auto with other insurance types, and a 10% multi-vehicle discount for insuring multiple cars.
Ag Workers Auto Insurance Discounts
| Discounts | |
|---|---|
| Multi-Policy | 15% |
| Multi-Vehicle | 10% |
| Safe Driver | 10% |
| Good Student | 10% |
| Defensive Driving Course | 5% |
| Student Away at School | 5% |
| Vehicle Safety Features | 5% |
| Anti-Theft Device | 5% |
| Accident-Free | 10% |
| Low Mileage | 5% |
Ag Workers Insurance benefits include discounts for safe driving and student performance. Additional savings apply for defensive driving courses, vehicle safety features, anti-theft devices, and low mileage.
On top of these savings, you can also drive down costs by increasing your deductible, improving your credit score, paying your premium in full each year to avoid installment charges, and shopping around frequently to compare rates.
- Increase Your Deductible: Opting for a higher deductible can lower your premium, just ensure you can afford it when filing through Ag Workers auto claims.
- Improve Your Credit Score: In many states, including Texas, your credit score impacts auto insurance rates. Improving your credit can lower your premiums.
- Pay Annually Instead of Monthly: Paying your policy in full for the year often results in lower overall costs vs. monthly payments (also avoids installment fees).
- Shop Around Regularly: Even if you’re happy with your current insurer, comparison shopping every 1–2 years can uncover better rates, as insurers change pricing models frequently.
These strategies make it easier for Ag Workers Insurance customers to secure affordable auto coverage. Follow these 17 tips to pay less for car insurance for more practical advice on how to lower premiums.
Ag Workers Auto Insurance Coverage
Having the right coverage from Ag Workers Mutual is essential for protecting your financial security and peace of mind. Accidents can burden you with expensive repairs, medical bills, and legal liability, even if you’re not the one at fault.
- Liability Coverage: Required in the majority of states, this pays for property damage and bodily injury you cause others in an accident.
- Collision Coverage: Pays to repair or replace your car if it’s damaged in a collision, regardless of who is at fault (like hitting another car or a tree, or a road barrier).
- Comprehensive Coverage: Covers non-collision-related damage to your car, including theft, vandalism, natural disasters, fire, or falling objects. Compare collision vs. comprehensive auto insurance to learn more.
- Uninsured/Underinsured Motorist Coverage: Pays for your medical bills and vehicle repair costs when you’re in an accident involving a driver without or with too little insurance.
- Personal Injury Protection (PIP) / Medical Payments Coverage: Pays for medical bills and injuries after a car accident, and for lost wages or rehab before damage payments.
With Ag Workers Mutual, those with an Ag Degree, involved in an Ag Association, or working as an Ag Employee can access coverage tailored to their needs, helping them stay protected on and off the road.
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Agricultural Workers Mutual Auto Insurance Company Reviews
Ag Workers car insurance earns strong marks across major industry ratings and consumer reviews, with an A- from A.M. Best for financial strength and an A+ from the BBB for ethical practices.
Auto Insurance Business Ratings & Consumer Reviews: Ag Workers Mutual Insurance| Agency | |
|---|---|
 | Score: A- Excellent Financial Strength |
 | Score: A+ Excellent Business Practices |
 | Score: 84/100 Positive Customer Feedback |
 | Score: 810 / 1,000 Above Avg. Satisfaction |
 | Score: 0.30 Fewer Complaints Than Avg. |
Consumer Reports rates the company an 84/100 based on customer satisfaction, and the Ag Worker receives a score of 810/1,000 from J.D. Power, which is above average. Knowing how to file an auto insurance claim & win it each time can help policyholders make the most of such reliable coverage.
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Thanks for the review, Rusty! pic.twitter.com/x3BltKdEHo
— Ag Workers Insurance (@agworkers) May 23, 2024
Not only that, but an NAIC complaint ratio of 0.30 indicates fewer complaints than average, which is good for service quality. Together, these ratings underscore Ag Workers Insurance’s commitment to financial strength, customer satisfaction, and trustworthy service.
Pros and Cons of Ag Workers Auto Insurance
Ag Workers Insurance offers excellent value for those in the agricultural community, with coverage specifically designed for farmers, ranchers, ag employees, and their families.
- Tailored for Agricultural Community: Designed specifically for farmers, ranchers, ag employees, and their families, offering a more personalized approach than general insurers.
- Strong Financial & Customer Ratings: High marks across industry ratings (A- from A.M. Best, A+ BBB rating, strong J.D. Power and Consumer Reports scores), signaling reliability and customer satisfaction.
- Affordable & Flexible Policy Options: Offers both 12-month and 6-month policies to fit different needs and budgets.
The company earns strong financial and customer ratings, providing confidence in its reliability and service quality. With affordable, flexible 12- and 6-month policy options and a long list of add-ons, members can tailor coverage to their needs.
However, Ag Workers primarily operates in Texas, Oklahoma, and Arkansas, so it may not suit those seeking nationwide coverage.
- Potentially Limited Geographic Availability: Primarily serves Texas and select areas, and may not be an option if you move out of the service region.
- Limited Online Tools: Compared to large national insurers, the online quoting and account management tools may be less robust.
Additionally, its online tools are less advanced compared to those of larger national insurers. Learn how to compare auto insurance companies so you find a provider with all the features you need.
Explore Affordable Ag Workers Auto Insurance Options
Our Ag Workers auto insurance review finds this provider to be the best option for those in the agricultural industry. Ag Workers Insurance has customized coverage options, strong financial ratings, and high customer satisfaction, especially among drivers with bad credit.
Ag Workers offers flexible policies, valuable discounts, and personalized support for the agricultural community. Committed to providing affordable insurance options, rates start as low as $55 per month for minimum coverage. You’ll get the best rates if you compare multiple auto insurance quotes.
While limited to only three states, including Texas, and despite having fewer online tools, it remains a smart, community-focused choice. Find the right company for you by entering your ZIP code into our free quote tool to compare rates from providers in your neighborhood.
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Frequently Asked Questions
Is Ag Workers car insurance good?
Yes, Ag Workers auto insurance is a solid choice for Texas residents, especially those in the agricultural sector. It offers competitive rates starting at $55 per month, various discounts, and essential coverages such as liability, collision, and PIP. The company has strong customer satisfaction and an A- financial strength rating from A.M. Best.
Why do Texan drivers choose Ag Workers?
Ag Workers Auto Insurance is designed for Texans in the agricultural industry, such as farmers, ranchers, and Ag teachers. The company delivers tailored cover above and beyond standard policies to ensure these individuals are protected against risks associated with their lifestyle and profession.
What are the additional coverage options offered by Ag Workers?
In addition to standard liability, comprehensive, and collision auto insurance options, Ag Workers offers additional coverage like rental reimbursement, roadside assistance, gap insurance, and custom equipment coverage. These add-ons provide extra protection during breakdowns, repairs, and theft-related incidents.
What is the coverage limit in Ag Workers Insurance?
The coverage limit in Ag Workers Insurance depends on the type of coverage chosen, liability, collision, comprehensive, PIP, or uninsured motorist. Liability coverage follows Texas minimums ($30,000/$60,000/$25,000), but higher limits are available for added protection.
Are there any complaints highlighted in Ag Workers Insurance reviews?
Yes, though they are limited. Some Ag Workers Insurance reviews mention frustrations with limited online features or geographic restrictions since the insurer primarily operates in Texas. However, these concerns are typically outweighed by praise for affordability and reliability.
Can I qualify for discounts if I purchase a 12-month policy from Ag Workers?
Yes, Ag Workers offers several discounts with a 12-month policy, including multi-policy, safe driver, and accident-free rewards. Paying the full premium upfront also earns an annual discount, making it a smart choice for those seeking cheap auto insurance for multiple vehicles.
How does the Agricultural Workers Mutual Auto Insurance Company A.M. Best rating compare to other insurers?
Agricultural Workers Mutual’s A.M. Best rating of A- reflects solid financial stability, slightly below national giants but strong compared to many regional insurers. Enter your ZIP code to find highly-rated insurance companies in your area.
Is the Ag Workers Insurance phone number available 24/7 for emergencies?
The Ag Workers Insurance phone number offers limited after-hours support. While normal customer service operates during business hours, emergency roadside assistance or urgent claims may be available after-hours through dedicated extensions. Call (800) 772-7424 for options.
Does a 6-month Policy affect my eligibility for discounts with Ag Workers?
No, Ag Workers’ discount programs, like multi-policy, safe driver, and good student, are typically available for both 6- and 12-month policies. However, longer-term discounts may be easier to keep with a 12-month plan, making Ag Workers a solid choice for those seeking the best auto insurance for good drivers.
Who is eligible for Ag Workers Insurance in Arkansas?
Ag Workers Insurance in Arkansas primarily serves farmers, ranchers, ag employees, and members of agricultural associations. Eligibility may also include those with a degree in agricultural studies, with proof of affiliation or employment required.
Can I speak to a live agent through the Agricultural Workers Mutual Auto Insurance claims phone number?
Yes, when you call the Agricultural Workers Mutual Auto Insurance claims phone number, you will be connected with a live claims representative. They can assist you with filing a claim, checking on an existing claim, or answering questions about your policy’s coverage.
How accurate is the initial Ag Workers Insurance quote?
An initial Ag Workers Insurance quote is a preliminary estimate based on the information you provide. While generally accurate, the final premium may change after underwriting reviews your record and risk factors. For the most accurate quote, keep your details up to date. If the cost becomes a concern, find out what to do if you can’t afford your auto insurance.
Who owns Ag Workers Insurance, and what is its corporate structure?
Ag Workers Insurance is a policyholder-owned mutual company, meaning it’s not publicly traded and has no external shareholders. Profits are reinvested to benefit policyholders rather than distributed to investors.
How does the Agricultural Workers Mutual auto insurance rating compare to other regional insurers?
Agricultural Workers Mutual outperforms many smaller regional insurers that lack ratings or have lower grades, making it a dependable choice for rural communities and agricultural workers. Read these auto insurance success stories to learn how insurance ratings impact drivers’ choices.
How can I manage my Ag Workers Mutual Insurance policy or file a claim?
Policyholders can manage their accounts through Ag Workers Mutual Insurance’s customer service hotline or online portal, and file claims by phone, online form, or with a dedicated adjuster. To help maximize savings, enter your ZIP code to see how much you could save.
Jimmy McMillan
Licensed Insurance Agent
Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent life insurance brokerage. His company specializes in life insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
