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American Farmers & Ranchers Ratings, Discounts & Coverages

American Farmers & Ranchers (AFR) is a membership insurance company for farmers, ranchers and families in Oklahoma. The company has been selling insurance for over 100 years. AFR began in 1919 when the Oklahoma Farmers Union created the Oklahoma Farmers Union Mutual Fire & Lightning Insurance Company. It expanded to sell more types of insurance throughout the 1900s and finally underwent a name change to American Farmers & Ranchers in 2007.

More about American Farmers & Ranchers (AFR)

American Farmers & Ranchers is a membership-based insurance company. When you purchase an AFR insurance policy you become a member of the American Farmers & Ranchers Cooperative, National Farmers Union and your local and county AFR chapters. As a member, you have access to a number of benefits including discounts on things ranging from travel to dental or vision plans.

American Farmers & Ranchers car insurance discounts

  • Multi-Policy Discount: Earn up to 15 percent off when you combine your car insurance with homeowners or farm AFR policies.
  • Multi-Car Discount: Earn up to a 10 percent discount if you have more than one vehicle on your AFR policy.
  • Jump!Start Discount: This discount of up to 20 percent is for new policyholders if they haven’t had any accidents in the first 60 months of having an AFR policy.
  • Good Student Discount: This discount of up to 20 percent applies to policies with full-time high school, vocational school, college or university students who maintain a 3.0 GPA or better.
  • Safe Driver Discount: Drivers who have no points on their record in the past 36 months can earn this discount of up to 15 percent
  • Experienced Driver Discount: This discount up to 15 percent is for drivers who have been insured continuously for at least 60 months and haven’t had any at-fault accidents in the last 60 months.
  • Drivers Education Discount: This discount up to 10 percent applies to drivers under 23 years old who have completed an approved drivers education course, don’t have more than one point of their driving record in the last 36 months and haven’t had any at-fault accidents.
  • Accident Prevention Discount: Earn this discount up to 10 percent if you’ve completed an eligible car accident prevention course.
  • Paid-In-Full Discount: Pay your AFR car insurance policy premium in full on or before the effective date for this discount of up to 15 percent.
  • Payment History Discount: Policyholders who haven’t had more than one fee in the previous 12 or 6 months may qualify for this discount up to 10 percent.

American Farmers & Ranchers homeowners insurance discounts

  • Multi-Policy Discount: Qualify for this discount of up to 10 percent when you combine AFR insurance policies.
  • Claims Free Discount: This discount of up to 20 percent applies to policyholders who have not had a paid loss in a certain period of time.
  • Protection System Discount: Policyholders who have at least one protective device system in their home (burglar alarms, fire alarms or automatic sprinklers) can earn this discount of up to 15 percent.
  • Roof Surface Discount: If your roof surface meets the specified Underwriters Laboratories Standard, you can earn this discount of up to 20 percent.
  • Age of Home Adjustment Discount: This discount of up to 30 percent will be applied based on the age of the house, plumbing, electrical and heating/cooling systems.

What coverages does American Farmers & Ranchers offer?


American Farmers & Ranchers mission

To provide best-in-class insurance products and services to policyholders using leading-edge technology, trained, motivated, service-oriented employees, and community-minded agents.

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