Ag Workers Mutual Auto Insurance Review for 2025 (See if They’re a Good Fit)

Ag Workers Mutual auto insurance review provides insight into the company’s affordable coverage options for agricultural workers in Texas, Oklahoma, and Arkansas.

With rates starting at $42/month, Ag Workers offers tailored policies that include discounts for bundling, safe driving, and the best auto insurance discounts for good drivers. The company’s focus on serving the agricultural community differentiates it from other providers.

Ag Workers Mutual Auto Insurance Rating

Rating Criteria
Overall Score	3.4
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

This review explores Ag Workers Mutual’s rates, coverage options, and customer service to help you decide if it is the right choice for you.

Avoid expensive premiums by using our free comparison tool to find the lowest rates possible.

Ag Workers Mutual Auto Insurance Rates & Coverage for Agricultural Workers

Ag Workers Mutual auto insurance is available in Texas, Oklahoma, and Arkansas and is specifically designed for agricultural workers and their families. The company is based on high ethical standards and offers affordable rates along with specialized insurance solutions uniquely designed to meet the agricultural community’s needs.

Ag Workers offers varying monthly rates based on age, gender, and coverage level. For minimum coverage, rates start as low as $55 for a 65-year-old female, while full coverage auto insurance begins at $160 for the same demographic.

Ag Workers Mutual Auto Insurance Monthly Rates by Coverage Level, Age, & Gender

Rates increase with younger drivers, with 16-year-olds starting at $220 for minimum coverage. Rates also differ by gender, with male drivers typically paying slightly higher premiums. The table reflects how age and coverage level impact pricing, making it essential to compare options based on personal circumstances.

Ag Workers Mutual Auto Insurance Rates by Credit Score Compared

Ag Workers Mutual auto insurance is one of the cheapest options if you have good credit; competitive rates for all credit ranges start at $85, $110, and $140, respectively for good, fair, and poor credit. Ag Workers offers competitive rates for those with lower credit scores compared with top competitors, such as Geico, Allstate, and Farmers.

Ag Workers Mutual Auto Insurance Monthly Rates vs. Top Competitors by Credit Score

Insurance Company	Good Credit	Fair Credit	Poor Credit
	$85	$110	$140
	$95	$120	$160
	$90	$115	$150
	$100	$130	$170
	$80	$100	$135
	$110	$140	$180
	$95	$120	$155
	$90	$120	$155
	$85	$110	$145
	$105	$130	$165

Ag Workers offers varying monthly rates based on your driving record. For minimum coverage, rates start at $42 for a clean record and increase with traffic violations such as a ticket at $65, an accident at $85, or a DUI at $120.

Rates for full coverage follow a similar pattern, at $92 per month for a clean record and up to $210 after a DUI. Agricultural Workers Mutual Auto Insurance is a strong contender for cheap auto insurance after a DUI, with rates that are affordable for individuals with prior DUIs.

With affordable rates for various credit scores and driving records, Ag Workers Mutual auto insurance offers tailored coverage that protects you without breaking the bank. Ag Workers remains a cost-effective choice whether you have a clean record or have experienced traffic violations.

Ag Workers Mutual Auto Insurance Rates Compared to Top Providers

Ag Workers Mutual auto insurance quotes were some of the cheapest we found, both for minimum and full coverage, than all other major providers. From basic protection to fuller coverage, Ag Workers offers competitively priced options for every budget.

AG Workers Mutual Auto Insurance Monthly Rates vs. Top Competitors by Coverage Level

Insurance Company	Minimum Coverage	Full Coverage
	$42	$92
	$87	$228
	$62	$166
	$76	$198
	$43	$114
	$96	$248
	$63	$164
	$56	$150
	$47	$123
	$53	$141

Ag Workers has competitive monthly rates, ranging from $42 minimum and $92 full coverage. In comparison to leading insurers such as Allstate, Geico, and Farmers, Ag Workers suggests low premiums for both coverage types, placing it as a good alternative for drivers searching for a great deal and coverage.

With lower starting rates and a focus on affordable coverage, Ag Workers Mutual auto insurance is a strong contender for drivers looking to save without sacrificing protection. Compared to leading insurance companies, Ag Workers continues to deliver value for all types of auto insurance coverage.

Ag Workers Mutual Auto Insurance Discounts for Savings on Premiums

Policyholders can save on their premiums with discounts available from Ag Workers Mutual auto insurance. Customers can get 17% off for picking a 12-month policy, 10% off for loyalty and safe driving, and 8% off for low mileage.

Ag Workers Mutual Auto Insurance Discounts

Discount Name
12-Month Policy	17%
Loyalty	10%
Safe Driving	10%
Low Mileage	8%
Anti-Theft	5%
Paid in Full	5%

Additionally, policyholders can benefit from a 5% discount for having anti-theft devices and another 5% for paying their premium in full. These best auto insurance discounts make Ag Workers cost-effective for drivers looking for tailored coverage and savings.

Ag Workers Mutual Auto Insurance Coverage Options Explained

Ag Workers Mutual auto insurance offers comprehensive coverage options designed to protect you and your vehicle.

Their policies ensure you are fully covered in various situations, from liability and medical coverage to protection against uninsured drivers and non-collision damages.

• Liability Coverage: Provides coverage for a lawsuit for either property damage or bodily injury if you cause an accident.
• Medical Coverage: Covers your and your passengers’ medical expenses (also called personal injury protection (PIP) or medical payments coverage), regardless of fault.
• Uninsured Motorist Coverage: Could pay towards repairs and medical bills if involved in an accident with someone who doesn’t have insurance.
• Collision Coverage: Pays for repairs to your vehicle in the event of a collision, whether with another car or a stationary object like a tree or fence.
• Comprehensive Coverage: Protects from non-collision damages, including theft, vandalism, or damage from weather-related incidents.

Ag Workers Mutual Auto Insurance helps protect you on the road, with extensive coverage options available to fit your needs.

Whether it’s collision, comprehensive, or liability coverage, including the cheapest liability-only auto insurance, you can rely on them for dependable protection and peace of mind.

Ag Workers Mutual Insurance Business Ratings and Customer Reviews

Ag Workers Mutual Insurance Company has excellent business ratings and consumer reviews, which demonstrate that it is dedicated to both its customers and financial stability. The company scored 810 out of a possible 1,000 with J.D. Power, for above-average customer satisfaction. It also has an A+ rating for good business practices.

Ag Workers Mutual Insurance Business Ratings & Consumer Reviews

Agency
	Score: 810 / 1,000 Above Avg. Satisfaction
	Score: A+ Excellent Business Practices
	Score: 84 / 100 Positive Customer Feedback
	Score: 0.30 Fewer Complaints Than Avg.
	Score: A- Excellent Financial Strength

Ag Workers received a score of 84 out of 100 from Consumer Reports, which says you got stronger marks than the average and had fewer complaints. Ag Workers also received the rating of A- from A.M. Best, demonstrating its strong financial footing and capacity to meet policyholder obligations.

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Thanks for the review, Rusty! pic.twitter.com/x3BltKdEHo

— Ag Workers Insurance (@agworkers) May 23, 2024

Ag Workers Insurance shared this glowing review from Rusty B. regarding Andrea T.’s service in addressing insurance for his stolen truck. Rusty loves Ag Workers’ knowledgeable and helpful employees, emphasizing the company’s commitment to managing your auto insurance policy with care and expertise.

Ag Workers Mutual Insurance, an insurance company with a long history of serving and protecting agricultural workers, always shows their customers that they are dedicated to their customers’ satisfaction and to providing a financially secure experience. As a result, the company continues to offer dependable and trusted insurance options to its policyholders with strong ratings from the top agencies.

Ag Workers Mutual Auto Insurance: Benefits & Drawbacks

Ag Workers Mutual Auto Insurance specializes in affordable coverage tailored to agricultural workers.

It’s a solid choice for budget-minded drivers, with competitive rates and a number of discount opportunities available. But the tight supply and the smaller pool of potential customers could deter some customers.

• Affordable Rates: Minimum coverages can start near $42. If you’re looking to save on your costs, Ag Workers Mutual can surely be a good choice for you.
• Specialized Coverage for Agricultural Workers: Coverage tailored to this industry explaining the unique nature of work.
• Discount Opportunities: Insurance companies offer discounts, such as loyalty, safe driving, and low mileage discounts to lower your premium cost.

Compared to other options on the market, Ag Workers Mutual has great experience in tailoring coverage and relatively inexpensive discounts, but its service areas in TX, OK, and Arkansas likely take it off the table for many shoppers.

• Limited Availability: Ag Workers Mutual only serves Texas, Oklahoma, and Arkansas, raising less access for those outside these areas.
• Smaller Customer Base: Ag Workers Mutual may have a lesser customer base compared to larger insurers, and thus perhaps less widespread customer support infrastructure and service options.

Additionally, the company’s smaller scale may impact the availability of customer support and service options compared to larger insurers.

However, Ag Workers Mutual offers agricultural workers in these states a strong, affordable choice with specialized coverage that meets their unique needs. If you’re looking to compare rates, how to find affordable auto insurance rates online can help you explore options and save money on your premiums.

Ag Workers Mutual Auto Insurance Review: Affordable Coverage for Agricultural Workers

Ag Workers Mutual offers some of the most affordable coverage for budget-conscious drivers, with minimum coverage beginning at $42/month and full coverage starting at $92/month. It offers cost-effective solutions, especially for agricultural workers, with discounts up to 17% for a 12-month policy and 10% for safe driving.

However, its service is limited to Texas, Oklahoma, and Arkansas, and as a smaller insurer, it may offer fewer customer support options than larger companies. Overall, Ag Workers Mutual remains an affordable and tailored choice for agricultural workers in these regions for comprehensive auto insurance.

Explore your auto insurance options by entering your ZIP code into our free comparison tool today.