Crop Insurance Savings Calculator

Estimate how much you could save on crop insurance premiums when your precision-planted acreage is less than your FSA (Farm Service Agency) reported acres.

State

County (optional)

Coverage Level

Unit Structure

Select Crops

Total Difference Acres

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Gross Savings

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Federal Subsidy

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Your Net Savings

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APH Yield Impact

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Subsidy Breakdown

At 75% coverage (enterprise unit), USDA subsidizes 77% of your premium.

The gross savings represent the total premium reduction from fewer insured acres. Because USDA pays a large share of premiums, your actual out-of-pocket savings (net) are the farmer-paid portion.

Per-Crop Breakdown

Crop	Planted Acres	FSA Acres	Difference	Rate/Acre	Gross Savings	Net Savings	Corrected APH

Want to see savings from your actual field data?

MyAgData automatically computes savings from your precision-planted acreage vs FSA reported acres.

Learn more at MyAgData.com →

Premium rates derived from USDA RMA Actuarial Data Master (2026). How we calculate these rates

Estimates only — actual premiums depend on individual yield history and policy terms.

Data Source

Premium rates are computed from the USDA Risk Management Agency (RMA) Actuarial Data Master (ADM) for crop year 2026, filing date November 30, 2025. This is the same data insurance agents and companies use to price federal crop insurance policies.

Base Premium Calculation

For each county and crop, we compute the dollar premium per acre at 65% coverage using the RMA formula:

Yield Ratio = T-Yield ÷ Reference Amount, clamped to [0.50, 1.50]
T-Yield is the county transitional yield — a proxy for expected production.
Rate Multiplier = Yield Ratio^Exponent
The exponent (typically negative) amplifies the effect: low-yield (riskier) counties get higher multipliers.
Base Rate = Rate Multiplier × Reference Rate + Fixed Rate
This produces the fractional rate (e.g., 0.065 = 6.5% of liability).
Liability per Acre = T-Yield × 0.65 × Price
At 65% coverage, you insure 65% of your expected revenue.
Premium per Acre = Base Rate × Liability per Acre

For commodities where the RMA provides pre-computed base rates (e.g., Sunflowers, Canola), we use those directly.

Coverage Level Scaling

The base rate above is at 65% coverage. To scale to other levels, we use Rate Differential Factors (RDF) from the ADM CoverageLevelDifferential file. RDF = 1.0 at 65% and increases with higher coverage:

Coverage	Typical RDF (Corn)	Effect
50%	0.65	35% cheaper
65%	1.00	Base rate
75%	1.39	39% more
85%	1.89	89% more

RDFs are county-specific where available, with national averages as fallback.

Federal Subsidy

USDA subsidizes a portion of crop insurance premiums based on coverage level and unit structure:

Coverage	Enterprise/Whole Farm	Optional/Basic
50–70%	80%	59–67%
75%	77%	55%
80%	68%	48%
85%	53%	38%

Savings Calculation

Delta Acres = CLU Acres − Precision Planted Acres
Gross Savings = Delta Acres × Premium per Acre (at selected coverage)
Net Savings = Gross Savings × (1 − Subsidy Rate)

Net savings represent the actual farmer-paid premium reduction.

Important Limitations

These are estimates. Actual premiums depend on your individual yield history (APH), not county T-yields.
County-level rates are medians across all type and practice combinations.
National fallback rates use the 25th percentile of county medians.
Rates are for Revenue Protection (Plan 02), the most common policy type (~75% of all federal crop insurance).

ADM Files Used

A01010 BaseRate — Reference amounts, rates, exponents, and fixed rates
A01100 YieldAndTyield — County transitional yields
A00810 Price — Projected and established commodity prices
A01040 CoverageLevelDifferential — Rate Differential Factors by coverage level