Ranchers and Farmers Auto Insurance Review (2024)

Ranchers and Farmers Mutual is a property and casualty company representing several big names in auto insurance, including Progressive and GMAC.

UPDATED: May 6, 2024Fact Checked

D. Gilson, PhD

Professor & Published Author

D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from S...

Professor & Published Author

Michael Vereecke

Commercial Lines Coverage Specialist

Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage.  Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences i...

Commercial Lines Coverage Specialist

UPDATED: May 6, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our 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 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: May 6, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our 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.

UPDATED: May 6, 2024Fact Checked

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Ranchers and Farmers Mutual Insurance

Average monthly rate for good drivers:

$114

A.M. Best rating:

N/A

Complaint level:

Low

Pros

  • Ranchers and Farmers Mutual does represent several big names for auto insurance, including Progressive and GMAC
  • Ranchers and Farmers Mutual Insurance have more options being under the same insurance umbrellas as Progressive and GMAC
  • Rancher Insurance is tailored for Texas residents

Cons

  • The last records filed with A.M. Best for Ranchers and Farmers in 2010 show the company to be doing well financially
  • Ranchers and Farmers Mutual Insurance Company reviews are hard to find and it shared displeasing reviews on the services offered

Final Verdict: Review of Ranchers and Farmers Mutual Insurance

Ranchers and Farmers Mutual Insurance Company is the subject of this auto insurance review. This Beaumont, Texas company is in no way affiliated with American Farmers and Ranchers of Oklahoma or Farmers Mutual Insurance of Nebraska.

According to state insurance records, Ranchers and Farmers Mutual Insurance Company is located and licensed in Texas as a property and casualty company selling a variety of insurance products at the consumer level.

It would appear from this address that the company is most likely an agency representing multiple auto insurance carriers, rather than a regional or national carrier themselves. The most known address for Ranchers and Farmers Insurance is 505 Orleans St. #502 Beaumont, TX 77701.

Farmer’s auto insurance ratings can be found in reviews of Farmer’s Insurance to make researching a little easier.

Search for auto insurance for your new car by entering your zip code in the search tool above!

[su_box title="Things to Remember..." style="default”]
  • Ranchers and Farmers Mutual Insurance  is licensed in Texas as a property and casualty company
  • AM Best last records filed for Ranchers and Farmers in 2010 show the company to be doing well financially
  • Ranchers and Farmers Mutual does represent several big names for auto insurance, including Progressive and GMAC
[/su_box] Ranchers and Farmers Mutual Insurance Company is the subject of this auto insurance review. This Beaumont, Texas company is in no way affiliated with American Farmers and Ranchers of Oklahoma or Farmers Mutual Insurance of Nebraska. According to state insurance records, Ranchers and Farmers Mutual is licensed in Texas as a property and casualty company selling a variety of insurance products at the consumer level. It would appear from this address that the company is most likely an agency representing multiple auto insurance carriers, rather than a regional or national carrier themselves.

What You Should Know About Ranchers And Farmers

Numerous business listing sites have several different addresses for this company. Trying to find reviews on Farmer’s car insurance may be a little difficult. The official records from the Texas Department of Insurance list the Orleans Street address as seen above, although the records are a bit out of date.

Ranchers and Farmers Mutual Insurance Company is a provider of home insurance services in Texas.  Ranchers Insurance products are tailored to the needs of those insured.

The Ranchers and Farmers Mutual Insurance Company rating is B+ on A.M. Best. After checking reviews on Farmer’s Insurance, they were previously at a B++.

This company’s rather small footprint lends further credence to the possibility that they are an agency rather than a carrier.

Although details about the business are sketchy, we were able to uncover the fact that Ranchers and Farmers Mutual does represent several big names for auto insurance, including Progressive and GMAC.

As an agency rather than a carrier, Ranchers and Farmers can offer policies from several different providers according to the needs of the individual customer. Farmers Mutual Insurance also offers reviews of different products and services.

Local agents live and work in their communities, know about special conditions that exist in those communities and are better able to utilize local resources to service their customers. It’s a proven model that has worked well in the insurance industry for generations.

Ranchers & Farmers Auto Insurance Company is part of Rancher & Farmers Mutual Insurance Company.

Ranchers and Farmers Auto Insurance Claims

Assuming That Ranchers and Farmers Mutual is an agency, the claims process probably works best when customers start by contacting them.

Even though your auto insurance claim will ultimately end up going to your carrier, your local agent may be able to shed additional light on your circumstances, weather conditions, etc. to help facilitate a successful claim.

Some national carriers prefer you contact them before your local agent, but such policies will be different among the various companies.

Regardless of whether or not you go to your Ranchers and Farmers agent first, he or she will still be involved in helping to process your claim and see it through to its conclusion. If you need to access anything related to your Farmers Mutual Car Insurance, you may deal with a different agent.

Insurance reviews on the business of the Farmer Company highlight all of the ways that you can look up agents and coverage options.

Make sure you take advantage of every opportunity to utilize the help your local agent provides. Services are built into your premiums anyway, so you might just as well make him earn it.

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How Ranchers And Farmers Ranks Among Providers

Searching for customer reviews of this company yields interesting results. That’s because the words “ranchers” and “farmers” are used so interchangeably that it’s difficult to figure out which company is being referred to.

With a little bit of educated research, it becomes apparent that most customer reviews relate to one of the other two companies listed at the start of this review. The Farmers Insurance reviews don’t claim many positive remarks regarding services provided by Farmers and Ranchers Insurance.

There is no A.M. Best rating for Ranchers and Farmer’s Insurance because those ratings focus on carriers. That said, the last records filed for Ranchers and Farmers in 2010 show the company to be doing well financially. Finding reviews on American Ranchers and Farmers Insurance was also a little difficult. Also, check Farmer’s Business Insurance reviews as an possible option.

They listed total assets of $10.6 million and a policy surplus of $2 million. No number was listed for their working capital in that report.

Frequently Asked Questions

Can I cancel my Ranchers and Farmers Mutual auto insurance policy?

Yes, you can cancel your Ranchers and Farmers Mutual auto insurance policy. Contact your local agent or the customer service line to inquire about the cancellation process, any applicable fees, and the required notice period.

If your Farmers Auto Insurance is not a good option be sure to have a backup policy to prevent any gaps in coverage.

Are there discounts available with Ranchers and Farmers Mutual?

Discounts may be available depending on the specific insurance carrier and policy options chosen. It’s recommended to discuss potential discounts with your local agent or when obtaining a quote to explore available savings opportunities.

If Farmers car insurance isn’t the best option for you, contact their customer service to see if any other discounts are available.

Can I contact Ranchers and Farmers Mutual for policy changes or inquiries?

Yes, you can contact Ranchers and Farmers Mutual through their local agents or by calling their customer service line. They can assist with policy changes, and inquiries, and provide information about their insurance offerings.

The Ranchers and Farmers Mutual Insurance Company phone number is 1-409-600-8300.

How can I file a claim with Ranchers and Farmers Auto Insurance?

If you have a policy through Ranchers and Farmers Mutual, it is recommended to start by contacting your local agent. They can provide guidance and assist in the claims process. Your agent will work with the respective insurance carrier to facilitate a successful claim. You can then continue to be in touch with your agent based on the information provided in your local claim program guide.

Is Ranchers and Farmers Mutual a good choice for auto insurance?

As an agency, Ranchers and Farmers Mutual can offer policies from different providers based on individual customer needs. Local agents know their communities and can utilize local resources for better customer service. However, it’s important to review and compare different insurance options to find the best fit for your specific requirements.

The A.M. Best rating for Farmers is a B+.

To determine if Farmers Mutual is a good insurance company, consider the following: customer reviews, financial strength, coverage options, local presence, and discounts and benefits.

What is Ranchers and Farmers Mutual Insurance?

Ranchers and Farmers Mutual Insurance is a property and casualty company based in Beaumont, Texas. They act as an agency representing multiple auto insurance carriers, including Progressive and GMAC.

Farmers is a good insurance if you are located in Texas, but if not, Progressive or  GMAC may have the right type of coverage for your insurance needs.

Ranchers and Farmers is only an American insurance company.

How long can you drive without insurance after buying a car in Texas?

In Texas, you’re required to have insurance coverage on your car as soon as you take ownership of it.

Reviews about Farmer’s car insurance will give you plenty of information for you to decide what kind of policy best suits you.

A quick search will also direct you to auto insurance options in Beaumont, TX for you.

Who has the best auto insurance in Texas?

Here are a few companies that are often considered the best in Texas:

USAA

State Farm

GEICO

Progressive

Allstate

Farmers Insurance

Check out Farmer’s auto insurance options and reviews to see all the company offers.

Is it better to have collision or comprehensive auto insurance?

This depends on your specific situation, driving habits, and financial considerations.

Reviews of auto insurance, like Farmers, will showcase both coverage options.

What company owns Ranchers and Farmers Auto Insurance?

Ranchers & Farmers Insurance Company is owned by Farmers Insurance Group, which is a subsidiary of Zurich Insurance Group.

Reviews about Farmer’s also highlight the other business acquisitions that have taken place over the years.

Is Farmers Mutual the same as Farmers Insurance?

No, they are two different companies. Ranchers and Farmers Mutual Insurance Company is under the same umbrella as Ranchers and Farmers Insurance Company. You may even find products and services from American Farmers and Ranchers Insurance on the same list of subsidiaries.

Not to be confused with Indiana Farmers Mutual Insurance reviews.

Are Farmers Insurance and Liberty Mutual affiliated?

Between Farmers vs. Liberty Mutual, both are separate insurance companies with no connections. 

Farmers County Mutual Insurance Company in Texas is more of a local coverage for residents. Farmers Mutual Auto Insurance is affiliated with Farmers Insurance.

Farmers County Mutual Insurance reveals that when in business the insurance provided by Farmer’s was good. 

 

 

D. Gilson, PhD

Professor & Published Author

D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from S...

Professor & Published Author

Michael Vereecke

Commercial Lines Coverage Specialist

Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage.  Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences i...

Commercial Lines Coverage Specialist

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.

Compare Quotes from Top Companies and Save

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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