Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Sep 11, 2020

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Agricultural Workers Mutual Insurance Company

Financial Strength

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Agricultural Workers Mutual is a membership-based mutual insurer serving the needs of farm and ranch owners. They provide auto insurance to those who qualify for membership and their families.

About Agricultural Workers Mutual

Called AgWorkers Insurance for short, Texas-based Agricultural Workers Mutual has been in business since 1948. They are a membership-based mutual insurance company with eligibility rules similar to many fraternal benefit societies.

In order to become a member and take out a 12-month AgWorkers policy, you must:

  • Have an agricultural or related degree, including veterinary science, life science, of family consumer science
  • Be an employee of a qualifying agricultural company
  • Own agricultural land
  • Be the child of one of the above

AgWorkers also offers six-month policies to:

  • Families of policy owners
  • Members of select agricultural associations

As a mutual company, AgWorkers pays dividends to its members, citing an average of 17% on their website for 12-month policies. Six-month policies are not eligible for dividends.

Currently, AgWorkers policies are only available in Texas, through branch offices situated in select cities. The company headquarters is located in Haltom City, TX.

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AgWorkers Auto Policies

There is not a lot in the way of detail on the AgWoker’s website in terms of policies, but the company appears to offer a standard package auto policy. This includes liability coverage, comprehensive coverage and collision coverage, and common options like rental reimbursement, roadside assistance, and more.

Since the company only writes auto insurance, there are no discounts available for other policies, although they likely have a multi-car discount. Again, information on the website is limited and visitors are instructed to get a quote for more information.


There is an online option to obtain a quote on the AgWorkers website, but it requires a great deal of personal information, including providing your eligibility status. As a result, we were unable to obtain numbers.

Rates from a company like AgWorkers do not usually compete with major insurers, but the added value of dividends and other membership benefits often make up the difference.


Agricultural Workers Mutual does not offer an online option for reporting claims, but a toll-free number is provided. The website does not say whether or not the line is available 24/7.

Claims information is limited; the website simply gives basic instructions as to what should be done in the event of an accident. Further information is available by calling the toll-free line.

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Ratings and Consumer Reviews

Agricultural Workers Mutual Auto Insurance has an A+ rating with the Better Business Bureau (BBB), and there are no complaints on file in the past three years.

The company has 66 reviews on its Facebook page, with an overall 4.8-star rating. 62 of the reviews are five-star, and the overall impression is of a company with excellent customer service.

Overall, this company does appear to enjoy a good reputation within its limited market.

The Bottom Line

Agricultural Workers Mutual appears to provide good service to its customers, and it might be a good choice if you are eligible for membership. Without more information on rates and products, however, it’s hard to say how they stack up in terms of value.

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