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

Our Ag Workers Mutual auto insurance review reveals rates starting at $42 per month exclusively for Texas drivers. Ag Workers offers defensive driving discounts of up to 10% and additional savings for safe drivers. These rates are based on age and coverage level and are tailored to Texas residents.

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Laura Gunn

Insurance and Finance Writer

Laura Gunn is a former teacher who uses her passion for writing and learning to help others make the best decisions regarding finance and insurance. After stepping away from the classroom, Laura used her skills to write across many different industries including insurance, finance, real estate, home improvement, and healthcare.  Her experience in various industries has helped develop both her ...

Written by
Laura Gunn
Eric Stauffer

Licensed Insurance Agent

Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...

Reviewed by
Eric Stauffer

Updated February 2025

Check out the Ag Workers Mutual auto insurance review to discover the company’s competitively priced coverage options, tailored specifically for agricultural workers in Texas.

Ag Workers Mutual Auto Insurance Review

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 CriteriaAG Workers: Ag Workers Mutual Auto Insurance Review
Overall Score3.4
Business Reviews4.0
Claim Processing3.6
Company Reputation3.5
Coverage Availability1.6
Coverage Value3.4
Customer Satisfaction1.4
Digital Experience2.5
Discounts Available5.0
Insurance Cost4.0
Plan Personalization3.0
Policy Options2.2
Savings Potential4.3

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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.

Things to Remember

  • Ag Workers Mutual auto insurance offers rates starting at $55/month
  • Discounts are available for bundling policies and safe drivers
  • Tailored coverage for agricultural workers in Texas

Ag Workers Mutual Auto Insurance Rates & Coverage for Agricultural Workers

Ag Workers Mutual is available in Texas 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

Age & GenderMinimum CoverageFull Coverage
Age: 16 Female$220$480
Age: 16 Male$230$510
Age: 18 Female$190$450
Age: 18 Male$210$470
Age: 25 Female$130$330
Age: 25 Male$150$370
Age: 30 Female$110$290
Age: 30 Male$120$310
Age: 45 Female$90$250
Age: 45 Male$92$42
Age: 60 Female$60$180
Age: 60 Male$65$190
Age: 65 Female$55$160
Age: 65 Male$58$170

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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.

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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 CompanyGood CreditFair CreditPoor Credit
AG Workers: Ag Workers Mutual Auto Insurance Review$85$110$140
Allstate: Ag Workers Mutual Auto Insurance Review$95$120$160
American Family: Ag Workers Mutual Auto Insurance Review$90$115$150
Farmers: Ag Workers Mutual Auto Insurance Review$100$130$170
Geico: Ag Workers Mutual Auto Insurance Review$80$100$135
Liberty Mutual: Ag Workers Mutual Auto Insurance Review$110$140$180
Nationwide: Ag Workers Mutual Auto Insurance Review$95$120$155
Progressive: Ag Workers Mutual Auto Insurance Review$90$120$155
State Farm: Ag Workers Mutual Auto Insurance Review$85$110$145
Travelers: Ag Workers Mutual Auto Insurance Review$105$130$165

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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.

Accidents, DUIs, and tickets raise your insurance rates because insurers view you as a higher risk. For example, clearing up a speeding ticket from your record can lower your premiums the following year, so always aim to drive safely and avoid violations.

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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 CompanyMinimum CoverageFull Coverage
AG Workers: Ag Workers Mutual Auto Insurance Review$42$92
Allstate: Ag Workers Mutual Auto Insurance Review$87$228
American Family: Ag Workers Mutual Auto Insurance Review$62$166
Farmers: Ag Workers Mutual Auto Insurance Review$76$198
Geico: Ag Workers Mutual Auto Insurance Review$43$114
Liberty Mutual: Ag Workers Mutual Auto Insurance Review$96$248
Nationwide: Ag Workers Mutual Auto Insurance Review$63$164
Progressive: Ag Workers Mutual Auto Insurance Review$56$150
State Farm: Ag Workers Mutual Auto Insurance Review$47$123
Travelers: Ag Workers Mutual Auto Insurance Review$53$141

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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.

Ag Workers Insurance: Ag Workers Mutual Auto Insurance Review

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

Ag Workers Mutual auto insurance offers a range of discounts to help policyholders save on premiums. Completing a defensive driving course or a driver’s training program grants a 10% discount. A claims-free record earns a 20% discount while insuring multiple vehicles offers a 25% savings.

Ag Workers Mutual Auto Insurance Discounts

Discount NameAG Workers: Ag Workers Mutual Auto Insurance Review
Defensive Driving10%
Driver's Training10%
Claims Free Discount20%
Multi-Vehicle25%
Vehicle Safety15%

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Additionally, vehicles with advanced safety features qualify for a 15% discount. These best auto insurance discounts make Ag Workers cost-effective for drivers looking for tailored coverage and savings.

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Ag Workers Mutual Auto Insurance Coverage Options Explained

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

Medical Payments (MedPay) Coverage: Ag Workers Mutual Auto Insurance Review

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.

Collision Insurance: Ag Workers Mutual Auto Insurance Review

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

AgencyAG Workers: Ag Workers Mutual Auto Insurance Review
J.D. Power TablePress LogoScore: 810 / 1,000
Above Avg. Satisfaction
Score: A+
Excellent Business Practices
Consumer Reports TablePress LogoScore: 84 / 100
Positive Customer Feedback
Score: 0.30
Fewer Complaints Than Avg.
A.M. BestScore: A-
Excellent Financial Strength

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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.

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, 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.

After reviewing Ag Workers Mutual, I found that their 10% discount for safe driving can significantly lower premiums for agricultural workers in Texas, particularly for comprehensive auto insurance coverage that protects both your vehicle and personal liability.

Aremu Adams Adebisi Feature Writer

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.

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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, 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.

Frequently Asked Questions

What do Ag Workers Insurance reviews say about the company’s customer service?

Ag Workers Insurance is a company that specializes in providing insurance services to agricultural workers and their employers. It is rated well for quick response times and helpful representatives who understand the unique needs of farming families.

How does Agricultural Workers Mutual auto insurance address claims?

Agricultural Workers Mutual auto insurance processes claims efficiently, allowing policyholders to file through the online portal or customer service. The company prioritizes quick, supportive claims handling for a smooth experience.

Enter your ZIP code into our free quote tool to find the best auto insurance providers for your needs and budget.

What types of coverage does Ag Workers Insurance offer for auto policies?

Ag Workers Insurance offers a variety of auto insurance coverage, including liability, collision auto insurance, and comprehensive options. They also provide additional protection for agricultural vehicles, making their policies ideal for workers in the agriculture sector. Their flexible coverage protects you from farm activities as well as off the farm.

What makes Agricultural Workers Mutual auto insurance company stand out from other providers?

Agricultural Workers Mutual auto insurance company distinguishes itself by focusing on the agricultural community. They provide tailored coverage options that address farm and ranch workers’ specific risks and needs. This specialization allows Ag Workers to offer competitive pricing and discounts that align with the industry.

Where can I find the Ag Workers Insurance phone number for customer support?

Ag Workers Insurance provides customer support via phone for all inquiries. The official website should have their phone number, or look on the contact page for their customer service number. Website links because the contact numbers will vary by state.

What factors impact rates with Ag Workers auto insurance?

Ag Workers auto insurance rates depend on age, driving history, credit score, and coverage type. Younger drivers face higher premiums, while good drivers may get lower rates. Discounts for bundling and safe driving can also lower costs. Auto insurance rates by age significantly impact premiums.

How does Ranchers and Farmers Mutual Insurance Company compare in reviews to Ag Workers?

Ranchers and Farmers Mutual Insurance Company is known for its customer-centric approach and strong regional presence, while Ag Workers Mutual stands out for its affordable rates and targeted coverage. Both are reliable, but customer experiences may vary based on individual needs.

How do Ag Workers reviews reflect customer satisfaction with the company?

Ag Workers’ reviews reflect a mix of experiences. Many praise the affordable rates, tailored coverage for agricultural workers in Texas, and quality customer service. However, some mention slower customer service and delays in the claims process.

What benefits come with choosing Texas Ag Workers Insurance?

Texas Ag Workers Insurance offers tailored policies for agricultural workers in Texas, with competitive rates and discounts for safe driving, bundling, and low mileage. Their specialized coverage meets the unique needs of farm and ranch workers. For more options, check where to compare auto insurance rates.

Is Ag Workers insurance available in Arkansas?

Ag Workers insurance operates in Texas, offering specialized auto coverage for agricultural workers and farm vehicles in these regions.

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<h3>Ag Workers Mutual Auto Insurance Monthly Rates by Driving Record</h3>
<h3>Ag Workers Mutual Auto Insurance Monthly Rates by Driving Record</h3>