Crop Insurance Calculator
Estimate crop insurance premium costs based on APH yield, coverage level, and projected price for Revenue Protection policies.
Results
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How It Works
Revenue Protection (RP) is the most common crop insurance policy, covering yield loss AND price declines. Your guarantee = APH yield x coverage level x the higher of projected or harvest price. The government subsidizes 38-67% of the premium depending on coverage level.
The Formula
Guarantee = APH x Coverage% x Price
Farmer Premium = Liability x Rate x (1 - Subsidy%)
Farmer Premium = Liability x Rate x (1 - Subsidy%)
Variables
- APH — Actual Production History — your 4-10 year proven average yield
- Coverage Level — Percent of APH insured (50-85%). Higher = more protection but more premium
- Subsidy — Government pays 38% (85% cov) to 67% (50% cov) of the total premium
Example
180 bu corn APH x 75% coverage x $4.66 = $629.10/acre guarantee. On 500 acres with 5.5% rate and 55% subsidy, farmer pays ~$10.59/acre = $5,295 total.
Tips
- Most farmers choose 75-80% coverage — the sweet spot between protection and cost.
- RP covers price drops too — if harvest price exceeds projected price, your guarantee increases.
- Enterprise units (whole-farm) cost 30-40% less than optional units (by field).
- Trend-adjusted APH (T-APH) can raise your guarantee if yields have been trending up.
- File for prevented planting if you cannot plant by the final planting date — it pays 60% of guarantee.