For this AG Workers Mutual car insurance review, we will be discussing AG Workers Mutual Auto Insurance of Haltom City, Texas. The company was founded in 1948 to provide competitive Texas car insurance products to agricultural workers in the state.

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Since then the company’s services have expanded to include licensing in Oklahoma and Arkansas. Yet despite their growth all of their policies are still focused primarily on agricultural workers and their specific needs. The company enjoys a strong rating from A.M. Best of “A+” excellent for strength and a future outlook of “stable”.

As an insurance company operating under the legal definition of the term “mutual”, AG Workers Mutual is owned by policyholders rather than a large corporation or stockholders. This arrangement has allowed the company to return more than $200 million in dividends to its policyholders since the company’s inception. AG Workers Mutual believes this sort of structure is what sets their company above the rest.

Another thing peculiar to this company is their classification of policyholders as “select-risk”. In other words, AG Workers Mutual understands the needs and risks of agricultural workers, educators, and scientists, as well as those involved in veterinary medicine, and has chosen to specialize in writing policies just for these kinds of individuals. Such specialization allows them to mitigate their risk while still providing dividends for policyholders.

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