Ag Workers Mutual Car Insurance Review for 2025 [See if They’re a Good Fit]
According to our Ag Workers Mutual car insurance review, this small company has low rates at $42/month. Also known as Insureberry, Ag Workers Insurance offers quality coverage to drivers working in agriculture. However, Ag Workers Mutual auto insurance is sold in just three states: Texas, Arkansas, and Oklahoma.
Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active insurance licenses in seven states and over 20 years of professional experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ach...
Licensed Agent & Financial Advisor
UPDATED: Jan 27, 2025
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Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above 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 auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jan 27, 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 company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Ag Workers Mutual Insurance
Monthly Rates
$42A.M. Best Rating:
A-Complaint Level:
LowPros
- Affordable rates for older drivers
- Strong customer service ratings
- Solid discount opportunities
Cons
- Only available in Texas, Arkansas, and Oklahoma
- Rates can be high for young drivers
With low rates and excellent customer service, most Ag Workers Mutual car insurance reviews are positive. However, only drivers in three states can purchase coverage.
Meant to meet the needs of agricultural workers, Ag Workers Mutual offers minimum and full coverage plans at an affordable price. However, Ag Workers Insurance probably isn’t the best choice if you want to customize your policy.
Ag Workers Mutual Car Insurance Rating
| Rating Criteria | |
|---|---|
| Overall Score | 3.3 |
| Business Reviews | 4.0 |
| Claim 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 |
Although Ag Workers is usually affordable, you should still compare monthly car insurance rates to find the best premium price.
Enter your ZIP code into our free comparison tool to find the lowest rates in your area.
- Ag Workers Mutual quotes are available in Texas, Oklahoma, and Arkansas
- This company only offers one car insurance add-on: rental reimbursement
- Ag Workers Mutual is usually affordable, especially for older drivers
Ag Workers Mutual Car Insurance Cost
If you live in one of the three states Ag Workers Mutual operates in, it may be an affordable option for car insurance. There are many factors that affect car insurance rates, but your age and gender are some of the most important. Check below to see how much you might pay based on these factors when you get Ag Workers Mutual car insurance quotes.
Ag Workers Mutual Car Insurance Monthly Rates by Coverage Level, Age, & Gender
| Age & Gender | Minimum Coverage | Full Coverage |
|---|---|---|
| Age: 16 Female | $215 | $450 |
| Age: 16 Male | $230 | $490 |
| Age: 18 Female | $190 | $420 |
| Age: 18 Male | $210 | $460 |
| Age: 25 Female | $80 | $160 |
| Age: 25 Male | $90 | $170 |
| Age: 30 Female | $65 | $140 |
| Age: 30 Male | $70 | $145 |
| Age: 45 Female | $44 | $94 |
| Age: 45 Male | $42 | $92 |
| Age: 60 Female | $40 | $85 |
| Age: 60 Male | $38 | $88 |
| Age: 65 Female | $37 | $83 |
| Age: 65 Male | $36 | $85 |
While it’s not the best choice for teens, Ag Workers Mutual car insurance rates are very affordable for older drivers. However, your age and gender aren’t the only important factors in Ag Workers Mutual auto insurance quotes.
Other factors that impact your premiums include where you live, what type of car you drive, your credit score, and even your marital status.
Michelle Robbins Licensed Insurance Agent
Of all these factors, your driving record is one of the most significant. Drivers with marks against them like speeding tickets, at-fault accidents, and DUIs can pay double or more for Ag Workers insurance.
Ag Workers Mutual is generally affordable when it comes to high-risk auto insurance. Check below to see how much you might pay based on your driving record.
As you can see, Ag Workers Mutual car insurance costs are very competitive when compared with the national average for most demographics. However, you should always compare rates with as many companies as possible to find the best prices for you.
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Ag Workers Mutual Car Insurance Rates vs. the Competition
It may offer some of the best car insurance for seniors, but Ag Workers Mutual may not be the best choice for everyone. You should always compare rates with as many companies as possible before signing up for a policy, or you’ll probably overpay.
AG Workers Mutual Car Insurance Monthly Rates vs. Top Competitors by Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
 | $60 | $170 |
 | $87 | $228 |
 | $62 | $166 |
 | $76 | $198 |
 | $43 | $114 |
 | $96 | $248 |
 | $63 | $164 |
 | $56 | $150 |
 | $47 | $123 |
 | $53 | $141 |
While the rates above can give you a good idea of which companies might have the best rates, you’ll still need to compare personalized quotes. To get a personalized quote from Ag Workers Mutual, simply visit the website and fill out the request form.
Once you have a personalized quote from Ag Workers, you can repeat the process at other providers. If you’re pressed for time, you can use a quote-generating tool to instantly compare multiple companies at once.
Ag Workers Mutual Car Insurance Options
When you compare full coverage vs. liability car insurance, you’ll see a significant difference in price and protection. Whatever type of coverage you want, however, Ag Workers Insurance has you covered. You can purchase the following types of coverage from Ag Workers:
- Liability Insurance: Liability car insurance pays for damages and injuries you cause in an at-fault accident.
- Collision Insurance: If you want help paying for your car repairs after an accident, you need collision car insurance.
- Comprehensive Insurance: For all of life’s unexpected events, there’s comprehensive car insurance. This coverage pays for damage caused to your vehicle by weather, fires, animal contact, theft, and vandalism.
- Uninsured/Underinsured Motorist: While insurance is required by law, not everyone purchases coverage. Uninsured/underinsured motorist coverage protects you from drivers without adequate coverage.
- Personal Injury Protection/Medical Payments: Personal injury protection (PIP) insurance and medical payments coverage pay for health care expenses after an accident for you and your passengers.
Car insurance is required in all three states where Ag Workers Mutual sells coverage. You’ll at least need a liability insurance policy to drive legally. If you have a loan or lease on your vehicle – or just want better protection – a full coverage policy is a better option.
Aside from these basic types of coverage, Ag Workers Mutual doesn’t post much information about potential add-ons. It only offers rental car reimbursement, which Ag Workers Mutual auto insurance reviews find disappointing.
New year, new…insurance?
Call one of our agents at (800) 772-7424 ext. 2 to learn more about our Ag Workers eligibility requirements and whether or not you qualify. pic.twitter.com/3fGA0ITckl
— Ag Workers Insurance (@agworkers) January 8, 2025
As the name suggests, Agricultural Workers Mutual Auto Insurance Company is for a specific type of driver – not everyone qualifies for coverage. If you’re unsure of if you qualify, you can call the Ag Workers insurance phone number for assistance.
Ag Workers Mutual Car Insurance Discounts
The best car insurance discounts can help you save on your insurance policy. Like most other insurance companies, Ag Workers Mutual offers a variety of ways for its customers to save. You can lower your Ag Workers Mutual auto insurance costs with the following discounts.
AG Workers Mutual Car Insurance Discounts
| Discount Name | Savings Potential | How to Qualify |
|---|---|---|
| 12-Month Policy | 17% | Opt for a 12-month policy instead of a 6-month policy |
| Home and Auto Bundle | 15% | Combine auto and home insurance policies |
| Safe Driving | 10% | Maintain a clean driving record for 3-7 years |
| Loyalty | 10% | Stay with Ag Workers for multiple years |
| Multi-Vehicle | 10% | Insure multiple vehicles under the same policy |
| Low Mileage | 8% | Drive fewer miles annually, typically under 7,500 miles |
| Good Student | 7% | Maintain a "B" average or better as a full-time student |
| Paid in Full | 5% | Pay the entire premium upfront for a 6- or 12-month policy |
| Anti-Theft | 5% | Install approved anti-theft devices in your vehicle |
| Defensive Driving | 5% | Complete an approved defensive driving course |
Most discounts automatically apply to your policy when you sign up. However, if you’re concerned you’re not getting all the discounts you qualify for, you can have an Ag Workers representative check for you.
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Ag Workers Mutual Car Insurance Customer Reviews
As a smaller insurance company, Ag Workers Mutual car insurance reviews aren’t as plentiful as the biggest and best car insurance companies in the country.
Looking at customer reviews is one way to feel confident in your choice of insurance. If having a lot of reviews to look through is important to you, Ag Workers Mutual may not be the right choice.
Scott W. Johnson Licensed Insurance Agent
That being said, the few reviews out there for Ag Workers tend to be positive. Customers mostly appreciate how low Ag Workers Mutual insurance rates are.
On the less satisfied side, some customers report having negative experiences with Ag Workers Mutual’s customer service. Since Ag Workers doesn’t have the same resources as larger companies, getting in touch with a representative can take longer.
Ag Workers Mutual Car Insurance Business Reviews
Aside from customer reviews, looking at ratings from third-party companies is one of the best ways to get a sense of a company. Check below to see Ag Workers Mutual’s ratings.
Ag Workers Mutual Car Insurance Business Ratings & Consumer Reviews
| Agency | |
|---|---|
 | Score: 810 / 1,000 Above Avg. Satisfaction |
 | Score: A+ Excellent Financial Strength |
 | Score: 84/100 Positive Customer Feedback |
 | Score: 0.30 Fewer Complaints |
 | Score: A- Excellent Financial Strength |
When you find yourself wondering what the best car insurance is, Ag Workers Mutual shines in several areas. That’s particularly true when you consider how low its customer complaint score is.
Ag Workers Mutual Car Insurance Pros and Cons
Every company has its strengths and weaknesses, and that’s true of Ag Workers Mutual. When you get an Ag Workers Mutual insurance quote, you’ll be getting the following benefits:
- Agricultural Specialty: Ag Workers Mutual specializes in car insurance for agricultural workers.
- Low Rates: While it doesn’t have the best car insurance for teen drivers, Ag Workers Mutual is an affordable option for most other drivers.
- High Customer Satisfaction: Ag Workers Mutual receives fewer customer complaints than the national average for a company of its size.
Of course, there are disadvantages you should be aware of, too. Before signing up, watch out for the following:
- Limited Availability: Ag Workers Mutual is currently available in just three states: Texas, Arkansas, and Oklahoma.
- Fewer Coverage Options: Unlike its larger competitors, Ag Mutual’s list of car insurance options leaves much to be desired.
While helpful, the pros and cons can only get you so far. You should always research your options and compare quotes before you sign up for a car insurance policy.
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See if Ag Workers Mutual Car Insurance is Right for You
Whether you need to learn how to get insurance for a new car or you need a bare minimum policy for an older vehicle, Ag Workers Mutual can provide a standard policy. However, if you want to customize your vehicle’s protection, you’ll need to look elsewhere.
Now that you’ve explored what it can do for you, it’s time to compare an Ag Workers Mutual quote with other companies. Enter your ZIP code into our free tool to get started today.
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Frequently Asked Questions
Is Ag Workers Mutual a good car insurance company?
Generally speaking, Ag Workers Mutual car insurance reviews say it is a good company. It might not be the best for young drivers and people looking for policy customization opportunities, though. Regardless, you should compare multiple free online car insurance quotes before making a decision.
How many states is Ag Workers Mutual in?
Ag Workers Mutual is available in three states — Texas, Oklahoma, and Arkansas.
How much does Ag Workers Mutual car insurance cost?
The exact cost of insurance varies from person to person, but you can find rates as low as $42 at Ag Workers Mutual. Make sure to enter your ZIP code in our free comparison tool to compare Ag Workers Mutual rates with other companies.
How do you file a car insurance claim with Ag Workers Mutual?
There are three ways to file Ag Mutual car insurance claims. Filing car insurance claims with Ag Mutual online is the easiest – either visit the website or access the mobile app. Alternatively, you can call the Agricultural Workers Mutual auto insurance claims phone number for help from a representative.
Does Ag Workers Mutual have good ratings?
Ag Workers Mutual auto insurance company ratings are usually high. For example, Ag Mutual has an A+ from A.M. Best, indicating that it’s a financially stable company. It also has a low score from the NAIC, meaning it doesn’t receive a lot of customer complaints.
Does Ag Workers Mutual sell gap insurance?
AG Workers Mutual does not currently sell gap insurance. If you want this coverage, you’ll need to compare gap insurance rates from other providers.
Is Ag Workers Mutual affordable?
That depends on what type of driver you are. Ag Workers Mutual is an affordable choice for older drivers and people with marks on their driving records. However, it’s not as competitive for teen drivers.
Can you cancel Ag Workers Mutual car insurance online?
No, you’ll need to speak with a representative if you want to cancel your policy.
How do you get an Ag Workers Mutual car insurance quote?
Learning how to get car insurance from Ag Mutual is simple. All you need to do is visit the Ag Mutual website and fill out the quote request form. If you’d rather speak with a person, you can also call the Ag Mutual car insurance phone number for help.
Does Ag Workers Mutual have a mobile app?
Yes, Ag Workers Mutual recently unveiled a free mobile app in both Google Play and the Apple App Store.
Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active insurance licenses in seven states and over 20 years of professional experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ach...
Licensed Agent & Financial Advisor
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
