American Farmers & Ranchers ranks 14th overall nationally for car insurance, placing it outside the top tier of best car insurance companies. It has good coverage options and customer experience, earning 10th place rankings in both categories.
American Farmers & Ranchers Car Insurance Review
Updated: September 22, 2025
Advertising & Editorial Disclosure
Key Takeaways
American Farmers & Ranchers ranks 15th for full coverage affordability and 9th for minimum liability coverage with average rates of $122 and $42 monthly respectively.
American Farmers & Ranchers ranks 10th nationwide for overall customer satisfaction, performing well due to solid agent service and positive forum reviews from policyholders.
American Farmers & Ranchers earns 10th place for coverage options, offering unique features like roadside assistance with trip interruption benefits and accident forgiveness programs.
American Farmers & Ranchers Car Insurance Ratings
| Overall Score | 3.95 | 14 |
| Customer Experience | 4.53 | 10 |
| Coverage | 2.85 | 10 |
| Affordability | 3.85 | 14 |
Who Is American Farmers & Ranchers Car Insurance Best and Worst For?
American Farmers & Ranchers works best for young drivers, drivers with bad credit, or those with an accident or a DUI, seeking affordable coverage. But drivers with a speeding ticket and those with newer cars should consider other options.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100,000 - 1000 comp_coll
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Overall Score | 4.37 | 7 |
American Farmers & Ranchers Car Insurance Ratings by State
American Farmers & Ranchers doesn't rank within the top five companies in any of the states we analyzed, suggesting limited competitive presence compared to other major insurers in our evaluation.
| Oklahoma | 4.20 | 6 |
*Ratings are based on a 40-year-old male driver with good credit and no driving violations who insures a 2012 Toyota Camry.
How Much Does American Farmers & Ranchers Car Insurance Cost?
American Farmers & Ranchers car insurance costs vary widely based on your individual profile, ranging from $32 to $458 monthly. We've analyzed national costs by age group, gender, coverage type, credit score and driving record to help you determine what you'll likely pay.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
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Coverage Level:100/300/100,000 - 1000 comp_coll
| $125 | $1,499 | -33% | 6 |
American Farmers & Ranchers Car Insurance Rates by Driver Category
American Farmers & Ranchers will be much more expensive on average for adult drivers, senior drivers, those with DUIs or speeding tickets, and drivers with newer or older cars. But rates vary by individual circumstances. Below you can review how affordable American Farmers & Ranchers is for your specific driving category compared to other cheapest car insurance companies.
| Adult Drivers | $38 | $121 | 12% | 14 |
| Drivers With A DUI | $84 | $244 | -7% | 14 |
| Drivers With An Accident | $38 | $121 | -13% | 8 |
| Drivers With A Speeding Ticket | $50 | $158 | 18% | 15 |
| Drivers With Bad Credit | $59 | $169 | -19% | 8 |
| Drivers With Low Income | $45 | $129 | -2% | 8 |
| Drivers With Newer Cars | $59 | $187 | 26% | 16 |
| Drivers With Old Cars | $31 | $98 | 3% | 11 |
| Senior Drivers | $46 | $123 | 5% | 11 |
| Young Drivers | $58 | $149 | -32% | 6 |
*We modified all profiles based on a 40-year-old male driver with good credit and no driving violations, driving a 2012 Toyota Camry. Young drivers are 25 and under, adults 26 to 64 and seniors 65+. We changed the vehicle age to 2007 for older cars and 2025 for newer ones.
American Farmers & Ranchers Car Insurance Rates by State
American Farmers & Ranchers rates vary from $38 to $121 monthly across different states. The company ranks among the top five most affordable options for just 1 out of 50 states and territories. You can review American Farmers & Ranchers's affordability and pricing for your specific area below.
| Oklahoma | $38 | $121 | -14% | 5 |
*Rates are based on a 40-year-old male driver with good credit, no driving violations and a 2012 Toyota Camry.
American Farmers & Ranchers Car Insurance Discounts
American Farmers & Ranchers offers 14 car insurance discounts, with average savings of up to 12% depending on your driving profile, involvement in programs and your area. Check out its offerings:
Multi-Policy/Bundle | 15% | Must have 2+ policies with AFR Insurance | Available statewide in Oklahoma | Multi-Policy/Bundle |
Multi-Car | 10% | 2+ vehicles on policy at same address | Available statewide in Oklahoma | Multi-Car |
Good Student | 20% | Students 16-22, B average (3.0 GPA), full-time enrollment | Available statewide in Oklahoma | Good Student |
Jump!Start | 20% | New policyholder, after 1 year with AFR Insurance | Available statewide in Oklahoma | Jump!Start |
Safe Driver | 15% | Student 22 or younger, 100+ miles from home, no car at school | Available statewide in Oklahoma | Safe Driver |
Experienced Driver | 15% | Driver continuously insured 60+ months, no at-fault accidents in 60 months | Available statewide in Oklahoma | Experienced Driver |
Driver's Education | 10% | Driver under 23, completed approved course, 1 point or less in 36 months | Available statewide in Oklahoma | Driver's Education |
Accident Prevention | 10% | Complete eligible motor vehicle accident prevention course | Available statewide in Oklahoma | Accident Prevention |
Paid-in-Full | 15% | Pay annual premium in full by effective date | Available statewide in Oklahoma | Paid-in-Full |
Payment History | 10% | No more than one fee in previous 12 or 6 months | Available statewide in Oklahoma | Payment History |
Discount Type | Average Discount | Eligibility Requirements | State Limitations | Discount Type |
Multi-Policy/Bundle | 15% | Must have 2+ policies with AFR Insurance | Available statewide in Oklahoma | Multi-Policy/Bundle |
Multi-Car | 10% | 2+ vehicles on policy at same address | Available statewide in Oklahoma | Multi-Car |
Good Student | 20% | Students 16-22, B average (3.0 GPA), full-time enrollment | Available statewide in Oklahoma | Good Student |
American Farmers & Ranchers Car Insurance Customer Reviews and Reputation
American Farmers & Ranchers (AFR) ranked 10th in overall customer satisfaction in MoneyGeek's comprehensive customer experience study. Customers like the company's agent service and responsiveness. There are some complaints around claims processing times and settlement amounts.
Buying Process Experience
AFR offers coverage options through independent agents located in nearly every Oklahoma county. Discount option include multi-policy discounts up to 15%, good student discounts up to 20%, and the Jump!Start program offering up to 20% savings for new policyholders with clean driving records. But coverage is limited to Oklahoma residents only.
Policy Management
AFR Insurance provides customer service support through email at Customer.Service@afrmic.com and maintains detailed privacy policies outlining how customer information is collected and used.
Policy management depends on agent relationships rather than self-service digital platforms. In 2022, AFR adopted Verisk's property claims-handling solutions to modernize operations.
Claims Experience
AFR Insurance offers 24-hour claim reporting through its dedicated hotline at 1-800-324-7771, with professional adjusters who contact customers shortly after filing to explain the process and gather information.
AFR offers rental car coverage for non-drivable vehicles and has established procedures for total loss situations
American Farmers & Ranchers Car Insurance Industry Customer Satisfaction Ratings
American Farmers & Ranchers ranks well for financial strength from all industry rating agencies, but in J.D. Power studies, the company finishes average or below average in most areas. Here are American Farmers & Ranchers's scores from industry agencies.
Demotech Financial Stability Rating | A' (Unsurpassed) | A'' to S | Unsurpassed financial stability related to maintaining surplus as regards policyholders at an acceptable level |
Forbes America's Best Insurance Companies | Listed 2024 & 2025 | Recognition List | Included in Forbes' America's Best Insurance Companies 2025 ranking for the second year in a row |
American Farmers & Ranchers Car Insurance Reddit and Forum Customer Satisfaction
American Farmers & Ranchers customers on Reddit and online forums appreciate the company's competitive rates for rural properties and agricultural operations, along with personalized service from local agents.
But it has limited digital tools compared to larger insurers and occasional delays in claims processing for specialized agricultural equipment.
Here's what real customers are saying about their experiences on forums:
Pricing and Value
General thoughts on pricing are positive for agricultural and rural properties, with customers noting AF&R understands unique risks that other insurers often overcharge for.
"AF&R gave me a fair quote on my ranch property when State Farm wanted to charge me double. They actually understand what it means to insure farm equipment and livestock operations."
Claims Processing
Claims processing receives mixed reviews, with customers praising knowledge of agricultural claims but noting slower processing times for complex farm-related incidents:
"When my barn got damaged in a storm, the adjuster knew exactly what he was looking at - didn't have to explain why I needed specific materials. Took longer than I hoped, but they got it right the first time."
Customer Service
Agent service is consistently praised, with customers valuing personal relationships and agricultural expertise, though some note limited after-hours support:
"My agent has been with AF&R for 15 years and knows my operation inside and out. When I call with questions about coverage for new equipment, he gets it immediately."
"Getting help outside business hours can be tough - not like the big companies with 24/7 call centers, but during the day my agent is always available."
Digital Experience
The online experience lags behind major insurers, with basic functionality but limited mobile features that rural customers increasingly expect:
"Their website works fine for paying bills and checking my policy, but don't expect the fancy apps that GEICO or Progressive have. Sometimes that's actually refreshing."
Trust and Reputation
Trust levels are generally high among agricultural communities, with customers appreciating the company's focus on rural America and understanding of farming challenges:
"AF&R doesn't try to be everything to everyone - they stick to what they know. When you're dealing with farm insurance, that expertise matters more than flashy marketing."
Coverage Options
Customers value specialized agricultural coverage options not available elsewhere, though some note limited options for non-farm assets compared to larger insurers:
"They cover things like my livestock and farm equipment properly, but when I wanted to add my son's car in college, the options were pretty basic compared to what other companies offer."
REVIEWS ON FORUMS AREN’T A PERFECT GAUGE
Negative reviews dominate forums and don't reflect overall service quality. For a complete picture, combine user reviews with industry resources like J.D. Power, independent agents, National Association of Insurance Commissioners (NAIC) and the Insurance Information Institute.
American Farmers & Ranchers Car Insurance Coverage Options
American Farmers & Ranchers provides standard coverages like other top insurers, including liability, comprehensive and collision protection. The company also offers additional add-ons such as:
Collision Coverage | Covers damage to your vehicle caused by collision with another vehicle or object at actual cash value | Various deductibles available; maximum payout is actual cash value minus deductible |
Comprehensive Coverage | Covers damage from non-collision events like theft, vandalism, fire, hail, or falling objects at actual cash value | No deductible except $25 for malicious mischief or vandalism; covers named perils only |
Personal Injury Protection (PIP) | Covers medical expenses and funeral costs for covered persons injured in accidents, regardless of fault | Oklahoma requires minimum $500 coverage; increased limits available up to liability coverage limits |
Rental Reimbursement | Pays for alternative transportation when your vehicle suffers a covered loss under collision or comprehensive coverage | Only available with collision or comprehensive coverage; daily and total limits apply |
Roadside Assistance | Standard coverage included with comprehensive policies | 24/7 availability through AFR's claims department |
Gap Insurance | Coverage for the difference between actual cash value and loan/lease balance | Available for financed or leased vehicles; AFR offers this as add-on coverage |
Multi-Car Discount | Discount for covering more than one vehicle on the same policy | Up to 10% discount available |
Jump!Start Discount | New policyholder discount for claims-free driving during first 60 months | Up to 20% discount for new customers with clean record |
Good Student Discount | Discount for full-time high school, vocational, college, or university students maintaining 3.0 GPA | Up to 20% discount; proof of grades required |
Experienced Driver Discount | Discount for drivers continuously insured for at least 60 months with no at-fault accidents | Up to 15% discount; requires proof of prior continuous coverage |
Driver Education Discount | Discount for drivers under 23 who completed approved driver education course | Up to 10% discount; limited to one point on driving record in previous 36 months |
Other American Farmers & Ranchers Insurance Coverage Options to Consider
Here are other insurance types you can bundle with auto coverage or buy separately:
Who Offers It? | Insurance Products |
|---|---|
Directly Offered by American Farmers & Ranchers | Auto Insurance, Home Insurance, Farm Insurance, Renters Insurance, Life Insurance, Umbrella Insurance |
Offered by a Third Party Partner | Flood insurance, pet insurance, life insurance, travel insurance, identity theft protection, dental insurance, vision insurance, health insurance, jewelry insurance, wedding/event insurance, phone insurance |
Not applicable — American Farmers & Ranchers operates as a mutual insurance company exclusively in Oklahoma and does not offer third-party products |
American Farmers & Ranchers Auto Insurance Review: Bottom Line
American Farmers & Ranchers is a strong option for car insurance, ranking best in affordability, customer experience and coverage. It earned 16th place overall for full coverage and 11th for minimum coverage. But we recommend you compare insurers before buying insurance.
American Farmers & Ranchers Car Insurance Reviews: FAQ
Below are MoneyGeek's expert answers to frequently asked questions about American Farmers & Ranchers car insurance:
Does American Farmers & Ranchers insurance have a good reputation?
Yes, American Farmers & Ranchers is a legitimate car insurance company that earned 14th place in our comprehensive car insurance provider study. The insurer particularly excels in coverage and customer experience, ranking 10th in both categories.
Where is American Farmers & Ranchers the best car insurance company?
American Farmers & Ranchers is the best in Oklahoma, where it offers the cheapest coverage.
How much does American Farmers & Ranchers car insurance cost on average?
American Farmers & Ranchers charges adults an average of $492 annually for minimum coverage and $1,342 for full coverage. Their rates span $388 to $2,625 for minimum and $889 to $5,491 for full coverage.
Is American Farmers & Ranchers known for denying claims?
American Farmers & Ranchers faces criticism for claim denials, with policyholders reporting rejected claims for weather damage and vehicle incidents. Some customers describe lengthy review processes and disputes over coverage.
Is American Farmers & Ranchers a good option for high-risk drivers?
American Farmers & Ranchers offers competitive rates for young drivers.
Does American Farmers & Ranchers raise car insurance rates over time?
Yes, American Farmers & Ranchers raises car insurance rates over time due to inflation impacting repair costs, increased claims from distracted driving and severe weather, plus higher vehicle technology expenses.
Is American Farmers & Ranchers good for young drivers?
No, American Farmers & Ranchers isn't ideal for young drivers, ranking sixth for overall affordability, though they do offer competitive rates at $149 monthly.
How We Rated American Farmers & Ranchers Car Insurance
MoneyGeek pulled auto insurance rate data from Quadrant Information Services and compared prices from 79 insurers in every U.S. ZIP code.
Standard Driver Profile Used for Analysis
We used a baseline driver profile to ensure consistent rate comparisons. Our standard driver has these characteristics:
- Age: 40 years old, male
- Vehicle: 2012 Toyota Camry LE
- Driving history: Clean record
- Annual mileage: 12,000 miles
- Credit rating: Good
- License status: Valid and active
- Insurance history: Currently covered with no previous claims
We then modified specific variables, including age, driving record, credit score and military status, to determine which insurers offer the best rates for different driver categories. Our minimum coverage rates represent policies meeting state-required minimums. Full coverage includes 100/300/100 liability limits plus comprehensive and collision coverage with $1,000 deductibles.
Company Rating System
Our evaluation process weighted three key factors:
- Cost (60% weight): We compared quotes across multiple driver profiles within each city, measuring how competitively each insurer prices its policies against local competitors.
- Customer satisfaction (30% weight): We analyzed customer feedback from multiple sources, including Google reviews, J.D. Power ratings, AM Best scores and online forums like Reddit, to assess overall service quality and customer experience.
- Coverage variety (10% weight): We evaluated each provider's coverage options, considering the breadth of available policies and any unique benefits or features.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.