Crop Insurance Premium Estimator

Estimate crop insurance premiums from APH yield, coverage level, projected price, and subsidy rates. See how premiums change with coverage.

APH Yield

bu/acre

Coverage Level

Projected Price

$/bu

Insured Acres

acres

Premium Rate

Government Subsidy

Tab to move between fields

Your Premium (after subsidy)

$10,770.97

≈ 7 months of rent

Premium per Acre$21.54

Yield Guarantee135 bu/acre

Revenue Guarantee per Acre$797.85

Total Liability$398,925.00

Example Indemnity (80% APH crop)$0.00

How to Use This Calculator

Select crop type and coverage level (e.g., 70%, 75%, 80%, 85%).
Enter the APH (actual production history) yield in bushels per acre.
Input current projected price and field acreage.
Review guaranteed revenue per acre and maximum indemnity payment.
Use the indemnity trigger price to evaluate whether to add supplemental coverage.

How the result changes with Government Subsidy

APH Yield: Your Actual Production History (APH) yield in bushels per acre. This is your proven average.
Coverage Level: Percentage of APH yield guaranteed. Higher coverage = higher premium. Common: 70-80%.
Projected Price: RMA projected price for the crop year. Set during discovery period (Feb for corn/soy).
Insured Acres: Total acres enrolled in the insurance policy.
Premium Rate: Base premium rate as a percentage of liability. Varies by county and risk. Typically 3-10%.
Government Subsidy: Federal premium subsidy percentage. 75% coverage gets ~55% subsidy; 85% gets ~38% subsidy.

Identify Input Parameters
4 parameters
APH Yield = 180, Coverage Level = 75, Projected Price = 5.91, Insured Acres = 500 = 6 input(s) provided
Calculate Your Premium
Your Premium
10770.97 = $10,770.97
Calculate Premium per Acre
Premium per Acre
21.54 = $21.54
Calculate Yield Guarantee
Yield Guarantee
135 = 135