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Agricultural Workers Mutual Insurance Review & Complaints: Auto & Farm Insurance

Agricultural Workers Mutual Auto Insurance Company provides auto insurance to farm and ranch owners and their families. A membership-based company, Agricultural Workers Mutual Auto Insurance Company's policies are only available in Texas.

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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...

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UPDATED: Sep 11, 2020

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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.

For a list of companies that we recommend, visit our Best Insurance Companies page.

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Review Information

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Agricultural Workers Mutual
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About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My 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.


  1. They have some of the rudest adjusters I have ever dealt with. Our claim has been in review for 30 days and they refuse to review the claim for payment. Here it is 2/14 and still, no update accident was 11/13/2018. We have paid for the repairs and can not get them to “review” the claim for payment. Their driver was drunk, hit an ambulance and ran, was found in a nearby field and arrested.

    [Redacted] is the director of adjusters and is one of the rudest person I have ever met. I have asked for a new adjuster and they refuse.

  2. I hope the guy that hit me and has this insurance doesn’t ever need to make a claim for himself, he will be disappointed with his choice of insurance company. The worst experience with insurance I have ever had

  3. I have a complaint about a recent claim we put in due to hurricane Harvey. The lady that call d me back was rude and made me feel like I was lying. My car was in the flooded water and we had to leave it behind. They told us to take it to a mechanic to check it out. It took over an hour to reach the mechanic due to my car acting very badly. All the insurance agent did was take a picture of the car. As we left to drop off the car all of my trouble lights were on( tire sensors, battery, engine light, brake and abs lights, traction control lights and oil lights) and would not go off. Before the flood I had no trouble lights on and my transmission wasn’t acting up. I was told by the adjusters secretary or helper that nothing was wrong with the car just that it was an old car and it was just a coincidence that all lights were on. Then hung up. We’ve been paying insurance to you for at least twenty five years and have never been treated this way. I wasn’t trying to get my car paid off or anything else. We take such good care of it. It’s a 2007 Chevy Equinox and has 230,000 miles but in very good condition. I not trying to getaway with anything like several of your customers have. That lady left me feeling like I was stupid.


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