American Farmers and Ranchers Auto Insurance Review (2020)

American Farmers & Ranchers auto insurance offers a complete line of insurance products to farm-related businesses in Oklahoma. Enter your ZIP to compare auto insurance quotes now.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: May 17, 2022

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Company Details
Address: 4400 Will Rogers Parkway
City: Oklahoma City
State: OK
ZIP Code: 73108
Phone Number: 405-218-5400
Year Founded: 1919
AM Best Rating: C++

Things to Remember...

  • Their original mission was to provide protection against catastrophic loss of farm buildings, equipment, livestock, and household goods as a result of a fire
  • American Farmers & Ranchers makes the claims filing process easy by providing a 24-hour, toll-free claims hotline
  • American Farmers & Ranchers is rated, on average, with a three out of five

American Farmers & Ranchers is a property and casualty company covering the insurance needs of Oklahoma’s farmers and ranchers.

The company got its start back in 1919 as the Oklahoma Farmers Union Mutual Fire and Lightning Insurance Company.

Their original mission was to provide protection against catastrophic loss of farm buildings, equipment, livestock, and household goods as a result of a fire.

As the company grew, it slowly acquired other insurance providers in Oklahoma. Coverage was added for tornado damage to buildings and equipment.

And auto coverage for both on-farm vehicles and personal cars was introduced in 1945 through a partnership with Farmers Union Automobile and Casualty Company, a fellow member of the National Farmer’s Union.

Today American Farmers & Ranchers provides insurance to cover almost every need of agricultural workers and business owners in Oklahoma.

They even cover rural churches, private schools, and community organizations in farming communities.

Because American Farmers & Ranchers is licensed only in the state of Oklahoma, it maintains only one office.

You can visit the local offices of agents in your area, or you can visit the corporate headquarters in Oklahoma City.

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American Farmers & Ranchers Agents

American Farmers & Ranchers is pleased to offer personal, localized service by way of a network of independent agents throughout the state.

Agents are located in all but six counties: Beaver, Cole, LeFlore, Nowata, Pittsburgh, and Rogers. However, customers in those counties have access to agents in the neighboring counties.

The company website provides an agent locator tool consisting of a linked county map.

You simply select the county you’re interested in by clicking on it, and your browser is then redirected to a page which lists the available agents.

Name, address, email, and telephone numbers are all included in the contact list. Local agents are available to help assist with new policies, modifications and additions, and claims.

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How do I file a claim with American Farmers & Ranchers Auto Insurance?

American Farmers & Ranchers make the claims filing process easy by providing a 24-hour, toll-free claims hotline.

If you have a car accident you are encouraged to call the hotline as soon as possible so that a representative can help guide you through the process.

If you prefer, you can also contact your local agent during regular business hours. Either way, American Farmers & Ranchers stresses the need to make a call as soon as possible after an accident.

American Farmers & Ranchers’ claims service has a somewhat unique program you don’t see from very many other providers.

It is a cash reward program that pays individuals for any information leading to the arrest and conviction of anyone whose illegal activity resulted in an auto insurance claim by a policyholder.

For example, if someone broke into the barn of an American Farmers & Ranchers customer and stole equipment, and the theft resulted in a claim being made by the owner, you could receive a cash reward for information about the theft.

American Farmers & Ranchers recently raised maximum reward amounts from $1,000 to $5,000.

American Farmers & Ranchers Reviews

Customer reviews of American Farmers & Ranchers are hard to come by.

That might be due to the fact that they are a regional insurance provider catering to a select group of individuals and businesses.

However, the reviews that do exist are generally good. You can find customer reviews by doing an Internet search of the company name.

Most customer review sites rate insurance companies according to four main criteria:

  • Claims service
  • Cost
  • Coverage provided
  • General customer service

Most of these sites also utilize a five-point system either represented in numerals or stars. American Farmers & Ranchers is rated, on average, with a three out of five.

That rating is very good, seeing that most insurance companies don’t break the 2.5 mark.

It’s also pretty impressive when you consider that customer reviews generally are offered more by unhappy customers than happy ones.

Despite that fact, there are comments that indicate American Farmers & Ranchers is very easy to work with and offers great customer service.

The only complaint uncovered during research for this review was related to a tendency among new American Farmers & Ranchers agents to be somewhat impersonal in their attitude to existing customers.

Most likely that is just a matter of new agents not yet having developed relationships with customers. Hopefully, the issue corrects itself with time.

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for American Farmers & Ranchers

3.59 (86 reviews)
November 3, 2018


AFR is a good company

I have never had any issues with AFR, and I am happy to be a member. I was told by my mother that they are a good respectable company that doesn’t accept everyone, so I feel privileged. I believe their prices are very fair.
October 19, 2018


Americans Farmers&Ranchers RULES!

So far my experience has been a journey and unmatched anticipation and enthusiasm. Th service is unmatched customer satisfaction gaurenteed.
September 13, 2018



Good company with low prices! Amazing customer service and they are always helpful. Down to earth company.
April 19, 2018


Great insurance

They have been a wonderful insurance. There customer service and agent are wonderful to work with.
March 10, 2018


'Real' customer service and claims adjusters.

Great Customer Service. Rates are very good. Rates for older cars for liability, for 6 months. are better than most for just a month. Can pay online or with the agent. Settle claim quickly and fairly. Have added a service and not raised rated. Good value unlike most greedy companies.
March 7, 2018


Good company

This company is about the lowest I can find with the coverage I have. After being with them for so many years I get more discounts and just can't bring myself to change companies for a few dollars. My daughter had a claim with them years ago and it went smoothly.
March 2, 2018


Nice company

Very nice company to work with. I recommend them to anyone that is looking for a new insurance company.
January 10, 2018



They have reasonable rates and always talk with you about payment options and what fits your budget.
November 9, 2017


No complaints.

Never had any issues with billing or with the one claim that I had to make. Although it was the other drivers fault and mainly there insurance fixed everything with Farmers there if needed.
November 4, 2017


Good Company

My experience so far has been amazing . they know there job very well. If you have a question they answer it with not problem they dont drag there feet
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