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Auto Insurance

We've got your back, your front and each quarter panel.

Whether you’re driving to school, work or out for a day of fun, AFR auto policies provide daily protection for you and your car.

AFR Insurance auto policies protect you and your automobile when an accident occurs. Policies cover liability, medical expense, physical damage and uninsured/underinsured motorist.

Available Coverages


Bodily Injury & Property Damage Liability

Covers liability for damages because of bodily injury and/or damage to property of another person caused by an accident. Oklahoma law requires minimum liability insurance of $25,000/$50,000/$25,000. You may purchase increased limits up to $250,000/$500,000/$250,000.

Collision Coverage

Covers damage, caused by collision, to an owned automobile or non-owned automobile at actual cash value. The maximum amount payable for damages to an insured vehicle is its actual cash value and does not cover any decrease in value of the vehicle after it is repaired. Various deductibles are available.

Comprehensive Coverage

Covers damage, other than collision, to an owned automobile or non-owned automobile, as defined in the policy, at actual cash value, if caused by certain named perils other than collision. The maximum amount of coverage is the actual cash value of the insured vehicle and does not cover any decrease in value of the vehicle after repairs are made. Various deductibles are available.

Uninsured Motorist

Covers damages an insured is legally entitled to recover for bodily injury or death in an accident from the owner or operator of an uninsured vehicle or underinsured vehicle. Oklahoma law requires this coverage be purchased in the amount of at least $25,000/$50,000. Increased limits are available, but cannot be higher than your liability coverage.

Medical Payments

Covers medical-related expenses to treat injuries to a covered person and funeral expenses of a deceased covered person if the injury or death was caused by an accident. The limit of insurance is on a per person injured in an accident basis, with a minimum of $500, with increased limits available.

Fire, Lightning, Transportation, Theft, & Combined Additional

Covers damage to or loss of an owned automobile or non-owned automobile caused by certain specified perils. Maximum amount payable is actual cash value without any payment for decrease in value of an insured vehicle after it is repaired. No deductible applies to this coverage, except a $25 deductible applies to loss caused by malicious mischief or vandalism.

Transportation Expense

Pays for alternative transportation in the event a vehicle insured under collision for comprehensive coverage suffers a covered loss.


The AFR Insurance Personal Automobile Program is only available to full-time Oklahoma residents and students that are temporarily residing in another state.


Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which control coverage determinations. Such terms may vary by state, and exclusions may apply.

Vehicle & Driver Discounts


Up to 10%

Multi-Car Discount

Discount for covering more than one automobile on the policy

Up to 20%

Jump!Start Discount*

Discount for new policy holders during their first 60 months with no at-fault accidents

Up to 20%

Good Student Discount

Discount for full-time students attending high school, vocational school, college, or university and maintaing a 3.0 GPA

Up to 15%

Safe Driver Discount

Discount for drivers with no points on their record in the previous 36 months

Up to 20%

Experienced Driver Discount

Discount for driver who have been continuously insured for at least 60 months and have no at-fault accidents in the previous 60 months

Up to 10%

Drivers Education Discount

Discount for drivers under the age of 23 who have completed a school-taught drivers education course, have no more than 1 point on their record in the previous 36 months, and have no at-fault accidents

Up to 10%

Accident Prevention Discount

Discount for drivers who have completed an eligible motor vehicle accident prevention course

Up to 15%

Paid-in-Full Discount

Discount on your total automobile policy premium, excluding membership dues, when your entire policy premium is paid on or before the effective date

Up to 15%

Multi-Policy Discount

Discount applied to policy if the named insured has an in-force homeowner or farmowner policy

Up to 10%

Payment History Discount

Discount will be applied to policies that have no more than one fee in the previous twelve months. If a 12 month payment history is not available, the last six month period will be reviewed.


*Must have proof of 12 months continuous prior insurance, with no lapses, to qualify for discount

Other discounts may be available on an individual basis. All policies are different, and your policy may not qualify for all discounts listed.

Find an Agent

Your local AFR Insurance agent can help you evaluate your needs to make sure you get adequate coverage.

The Benefits of Membership

Purchasing a policy with AFR makes you a member of the American Farmers & Ranchers Cooperative, National Farmers Union and your local and county AFR chapters.

As a member, you receive a number of benefits like discounts for products and services including travel, hotel, dental and vision plans, farm equipment, and more.

Full List of Benefits How You Can Help Shape Our Policy

24/7, Fast & Fair Claim Service

We are here to help, no matter when trouble strikes. We make it easy to file a claim and get you back on your feet.

How to Report a Claim

AFR Insurance is proud to have earned a Financial Stability Rating of A from Demotech, Inc. The Financial Stability Rating is an indicator of an insurance company’s strength. An A rating means AFR has “Exceptional ability to maintain liquidity of invested assets, quality reinsurance, acceptable financial leverage and realistic pricing while simultaneously establishing loss and loss adjustment expense reserves at reasonable levels.”

Demotech awards this rating after performing a thorough review of a company’s financial statements. This rating is independent of the size of a company due to Demotech’s belief that a small, well-run insurer may outperform a larger insurance company.