Ag Workers Mutual Car Insurance Review for 2025 (Insider Evaluation)
Our Ag Workers Mutual car insurance review highlights why it’s a suitable option for agricultural workers, as it sells exclusively to drivers associated with agriculture. Ag Workers Mutual insurance rates start at $42/month, but it has limited coverage options and only operates in three states.
Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
UPDATED: Feb 4, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Feb 4, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Ag Workers Mutual
Average Monthly Rate For Good Drivers
$42A.M. Best Rating:
AComplaint Level:
LowPros
- Strong customer satisfaction ratings
- Specializes in agricultural worker insurance
- 12-month policy discount
Cons
- Higher average rates
- Few discount opportunities
- Only available in AR, OK, and TX
Our Ag Workers Mutual car insurance review shows that it’s a decent choice for agricultural workers in rural areas, though there are some drawbacks to choosing Ag Workers.
The main limitations we found about buying car insurance from Ag Workers Mutual are its sparse selection of coverages and discounts and its limited state availability.
We gave Ag Workers Mutual a 3.4 star rating after examining multiple aspects of the company, as you can see in our rating table below.
Ag Workers Mutual Car Insurance Rating
Rating Criteria | ![]() |
---|---|
Overall Score Rating | 3.4 |
Business Reviews | 4 |
Claim Processing | 4 |
Company Reputation | 4 |
Coverage Availability | 2 |
Coverage Value | 3 |
Customer Satisfaction | 3 |
Digital Experience | 3 |
Discounts Available | 5 |
Insurance Cost | 4 |
Plan Personalization | 3 |
Policy Options | 2 |
Savings Potential | 4 |
Take a look at our review of Ag Workers Mutual to see if it’s the right fit for you. If you are interested in shopping for a new provider today, enter your ZIP in our free quote comparison tool.
- Ag Workers Mutual specializes in insurance for agriculture workers
- Ag Workers Mutual only offers basic car insurance coverage
- Customers can save 17% with a 12-month policy discount
Ag Workers Mutual Car Insurance Rates
Ag Workers Mutual rates will be different for each driver, depending on the several factors that affect the price of car insurance. Age and gender are two main factors affecting what customers pay and what coverage level customers choose.
Ag Workers Mutual Car Insurance Monthly Rates by Age, Gender, & Coverage Level
Age & Gender | Minimum Coverage | Full Coverage |
---|---|---|
Age: 16 Female | $120 | $275 |
Age: 16 Male | $135 | $290 |
Age: 18 Female | $95 | $225 |
Age: 18 Male | $110 | $240 |
Age: 25 Female | $65 | $140 |
Age: 25 Male | $72 | $150 |
Age: 30 Female | $55 | $115 |
Age: 30 Male | $58 | $120 |
Age: 45 Female | $48 | $100 |
Age: 45 Male | $42 | $92 |
Age: 60 Female | $40 | $88 |
Age: 60 Male | $43 | $91 |
Age: 65 Female | $38 | $85 |
Age: 65 Male | $39 | $87 |
Full coverage includes collision and comprehensive coverage, which are two coverages most drivers should carry on their cars.
In addition to what coverages customers choose and their age, their driving record will also impact the price of car insurance.
Customers with clean records will have the cheapest car insurance rates at Ag Workers Mutual, while DUI offenders will have the highest.
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Ag Workers Mutual vs. the Competition: Car Insurance Rates
Ag Workers Mutual car insurance is not the cheapest on the market, although its rates aren’t unreasonably expensive when compared to its competitors’ rates.
AG Workers Mutual Car Insurance Monthly Rates vs. Top Competitors by Age & Gender
Insurance Company | Age: 45 Female | Age: 45 Male |
---|---|---|
![]() | $119 | $124 |
$162 | $160 | |
$115 | $117 | |
$139 | $139 | |
$80 | $80 | |
$171 | $174 | |
$113 | $115 | |
$112 | $105 | |
$86 | $86 | |
$98 | $99 | |
$59 | $59 |
Because some companies are better for high-risk drivers than others, compare rates by driving record to see how Ag Workers Mutual fares against its competition.
AG Workers Mutual Car Insurance Monthly Rates by Provider & Driving Record
Insurance Company | Clean Record | One Ticket | One Accident | One DUI |
---|---|---|---|---|
![]() | $124 | $145 | $182 | $255 |
$160 | $188 | $225 | $270 | |
$117 | $136 | $176 | $194 | |
$139 | $173 | $198 | $193 | |
$80 | $106 | $132 | $216 | |
$174 | $212 | $234 | $313 | |
$115 | $137 | $161 | $237 | |
$105 | $140 | $186 | $140 | |
$86 | $96 | $102 | $112 | |
$99 | $134 | $139 | $206 | |
$59 | $67 | $78 | $108 |
Like before, Ag Workers Mutual’s rates fall somewhere in the middle for affordability. Of course, these rates are just averages, and your rates may be slightly different depending on your specific driving profile when you get an Ag Workers Mutual quote.
We recommend comparing several companies’ rates using a quote comparison tool to find the best rate for your car. Rates will be most affordable for safe drivers (Learn More: How to Drive Safely, No Matter the Time of Day).
Ag Workers Mutual Car Insurance Coverage
Ag Workers Insurance has limited types of car insurance coverage available to purchase beyond the state minimums you need to drive legally.
AG Workers Mutual Car Insurance Coverage Options
Coverage Name | What it Covers |
---|---|
Collision Coverage | Repairs or replaces your vehicle after a collision |
Comprehensive Coverage | Protects from damage due to theft, fire, and natural disasters |
Liability Insurance | Addresses injuries and property damage to others if you're at fault |
Medical Payments Coverage | Takes care of medical expenses for you and your passengers after an accident |
Personal Injury Protection (PIP) | Pays medical costs regardless of who is responsible for the accident |
Rental Reimbursement | Covers the cost of renting a vehicle while yours is being repaired |
Uninsured/Underinsured Motorist | Compensates for damages if hit by a driver with insufficient or no insurance |
Add-on coverages are very limited at Ag Workers Mutual, as the company only sells rental reimbursement.
Ag Workers Mutual Car Insurance Discounts
Ag Workers Mutual also has limited car insurance discounts to lower car insurance costs available to its customers, which means customers may be unable to save as much at the company.
AG Workers Mutual Car Insurance Discounts
Discount Name | Savings Potential | How to Qualify |
---|---|---|
Safe Driving Discount | 10% | Maintain a clean driving record for 3-7 years |
Paid in Full Discount | 5% | Pay the entire premium upfront for 6- or 12-month policy |
Low Mileage Discount | 8% | Drive fewer miles annually, typically under 7,500 miles |
12-Month Policy Discount | 17% | Opt for a 12-month policy instead of a 6-month policy |
Loyalty Discount | 10% | Stay with AG Workers for multiple years |
Anti-Theft Discount | 5% | Install approved anti-theft devices in your vehicle |
The largest discount Ag Workers Mutual offers is its 12-month policy discount. By committing to the company for a year rather than six months, customers can save 17% on their policy.
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Ag Workers Mutual Customer Reviews
Unhappy and happy customers can offer insight into Ag Workers Mutual with their reviews. One place to read through Ag Workers Mutual customer reviews is Google.
While there are some negative Google reviews dealing with frustration from customers when filing car insurance claims after an accident, the overall Google rating from consumers is high.
Ag Workers Mutual Business Insurance Ratings
When shopping for the best car insurance for your vehicle, business ratings are another great way to check a company’s reliability and business practices. Ag Workers Mutual has solid business ratings, as shown below.
AG Workers Mutual Business Insurance Ratings
Agency | ![]() |
---|---|
Score: 835 / 1,000 Above Avg. Satisfaction |
|
Score: A Excellent Financial Strength |
|
Score: 78/100 Good Customer Feedback |
|
Score: 0.80 Avg. Complaints |
|
Score: A Excellent Financial Strength |
According to the NAIC, Ag Workers Mutual has an average number of consumer complaints. However, it has also recorded great customer satisfaction ratings and strong financial stability.
Ag Workers Mutual Pros and Cons
Undecided about Ag Workers Mutual? Customers who choose the company will see the following perks:
- Specialized for Agricultural Workers: The company’s niche experience means it can better serve agricultural workers’ needs.
- Positive Customer Reviews: Most reviews are positive from customers, and the company has a lower complaint ratio.
- Strong Financial Strength: Ag Workers Mutual has strong final stability according to its Am.M. Best rating.
Of course, signing up with Ag Workers Mutual means customers must also deal with some downsides.
- Limited Coverage: Ag Workers Mutual doesn’t offer multiple add-ons to its customers (Read More: Perks and Pitfalls of Car Insurance Add-ons).
- Limited Availability: Ag Workers Mutual is only livable in Texas, Oklahoma, and Arkansas.
Ag Workers Mutual may not be right for every driver, so consider the company’s pros and cons before committing to a policy.
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Deciding if Ag Workers Mutual is the Right Car Insurance Company for You
Our Ag Workers Mutual car insurance review found numerous pros and cons about the company. While the company may be a good fit for agricultural workers, potential customers should consider the cons of the company, such as its limited coverage options, which will be a deterrent for customers who want add-ons like rideshare insurance coverage.
Because Ag Workers Mutual is a local company available only in a few states, customers may receive more personalized service from the company.Brandon Frady Licensed Insurance Producer
We recommend always comparing multiple companies’ rates before committing to a company. Enter your ZIP in our free quote tool to get started.
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Frequently Asked Questions
What states does Ag Workers Mutual sell in?
Ag Workers Mutual auto insurance is available in Texas, Oklahoma, and Arkansas.
Is Ag Workers Mutual only sold to agricultural workers?
Ag Workers sells insurance only to drivers directly associated with agricultural work or volunteering.
Which group pays the highest auto insurance rate?
Teenagers will pay the highest auto insurance rates at Ag Workers Mutual, which is why staying on your parent’s policy is best.
What is the Agricultural Workers Mutual auto insurance company A.M. Best rating?
Ag Workers Mutual has an A rating from A.M. Best.
What is the Ag Workers Insurance phone number?
The Ag Workers Mutual phone number is (817) 831-9900.
What could influence your auto insurance premiums?
Several factors will impact what you pay at Ag Workers Mutual, including your age, driving record, location, and vehicle type (Learn More: Things You Do That Can Raise Your Premiums).
How can I make an Ag Workers insurance claim?
You can email Ag Workers at [email protected] or call its 24/7 claim line at (508) 365-2692.
Who typically has the cheapest car insurance?
USAA, Geico, and State Farm typically have the cheapest car insurance. To find cheap insurance today, compare rates with our free tool.
Who has the most expensive car insurance?
Allstate and Liberty Mutual typically have some of the most expensive car insurance rates. Learn more about these two companies by reading our Allstate car insurance review or Liberty Mutual car insurance review.
What is the most trusted car insurance company?
USAA is one of the most trusted car insurance companies but only sold to military and veteran drivers.
Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance related. We update our site regularly, and all content is reviewed by car insurance experts.