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  • Protecting You

    Protecting you and what you value most.

    Ayr Farmers Mutual Insurance Company has been protecting our communities for over 130 years. 

    About Ayr Farmers Mutual Get a Quote

  • Policyholder Spotlight

    Policyholder Spotlights

    At Ayr Farmers Mutual, our Policyholders are at the heart of everything we do. Hear what our valued Policyholders have to say about working with our team.

    Learn More

  • The Mutual Difference

    Proud Platinum Sponsor
    of the Ayr200

    The Ayr Community Centre (ACC) will be buzzing with excitement on New Year’s Eve! There will be so much to see, do, and celebrate as we ring in 2024 and kick off Ayr’s 200th birthday lineup of events.

    Learn More

  • Policy Holder

    Here, you are more than a policy number

    In 1893, Ayr Farmers Mutual Insurance Company was founded by community members, our original Policyholders, who needed coverage. To this day the core foundation of our business.

    The Ayr Mutual Team

  • New Online Portal

    View your policy online

    You can now view your policies, print pink slips, view billing schedule & more with our new online portal!

    Sign Up Today Login To Portal

  • The Mutual Difference

    Discover The Ayr Farmers Mutual Difference

    Ayr Farmers Mutual Insurance Company was built by a community for the community, with the vision of providing protection through the reliable experience that only a Mutual company can provide.

    Our Difference Get a Quote

Insurance For Home

Home & Property

Protect your home, cottage, condo, or even waterfront vehicles with protective coverage through Ayr Farmers Mutual.

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Insurance For Farms

Farm & Rural

From a hobby farm to full-scale operation, or even a rural home with acreage, Ayr Farmers Mutual has insurance coverage for you.

Learn more

Insurance for Auto

Auto & Vehicle

Protect your vehicles including cars, trucks, ATVs, motorcycles, and snowmobiles with coverage through Ayr Farmers Mutual.

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Insurance For Commercial

Commercial & Business

Ayr Farmers Mutual carries specialized insurance coverage for contractors, offices, retail, and many other types of businesses.

Learn more

Building Life-Long Relationships Of Protection & Care

Our Policyholders are more than just a number to us, they're a part of our past, present, future, and are the foundation of Ayr Farmers Mutual.

What Mutual Means To Us

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We Provide Insurance Coverage With A Personal Touch

At Ayr Farmers Mutual, we provide insurance by building life-long relationships with our Policyholders and community.

With our team of dedicated Agents, Ayr Farmers Mutual has been providing protection you can trust for over 130 years.  We provide an insurance experience that relies on relationships, not numbers. We take our time to get to know you and fully understand your goals, and needs. With flexible meeting options that work for you, we provide the most comfortable and convenient insurance experience you will ever have. 

Just like our successes in the past and those in our future, the Mutual in Ayr Farmers Mutual depends on you.

The Ayr Farmers Mutual Difference   Meet Our Team

Insurance That Works As Hard As You

Please contact us and Get Started Today! One of our Agents will work steadfastly to provide you with the information you need. Just shopping around? No problem! Our Agents are happy to help provide you with information, so you can make the best decision—For You.

Get Started Today

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  • I have been using Ayr Farmers Mutual since I was a teenager. I will never switch companies. They have gone above and beyond for me on multiple occasions. The loyalty and support I get cannot be matched. Thank you!
    - Diane Smith
  • Whether it's a text, phone call, or email someone is always back to us right away even if it's not an urgent situation.
    - Allan & Nancy Moore - Moore Farms
  • I have been with AFM for over 7 years and have always had quick and easy service. My Agent has been with me the whole time and made every new policy so easy so setup. I’ve only had to make one claim before, and it was such a smooth process. 10/10 great company and Agents!
    - Rachel McKay
  • The best thing I ever did was switch my car and home insurance to AFM! We've never, ever been given a reason to have a negative word to say about them. Unfortunately, that also includes two claims. One on our home, as well as one accident in our brand new van. Very prompt, professional and friendly. They go so far above and beyond as well.
    - Ashley Smith
  • I had a weather-related incident take down one of my outbuildings. Ayr Farmers Mutual responded quickly and was very helpful in guiding me through the entire process. They were quick to respond to any questions or concerns I had and were respectful and knowledgeable. Thoroughly happy with this company overall.
    - Drago Mckenzie
  • One of the most compelling reasons to partner with AFM is the accessibility they offer. Our Agent (Doug Green) isn't just a name on our contract, but he has consistently offered unwavering help and prompt responses, ensuring we're never alone in this journey.
    - Dean Karn, Karnview Farms
  • As of this past year, my husband researched this company online as we were looking for a better quote and service from our current policy providers. We were connected with an Agent, and are pleased to say that not only from the initial consultation of one policy, but we have also now switched all our vehicles, business and rental property to Ayr Farmers Mutual. Their rates far surpassed our previous rates, and the service is exemplary. Our Agent promptly answers all our questions and is a pleasure to deal with along with the rest of the staff we have encountered.
    - Jamie Stephenson
  • I had a weather-related incident take down one of my outbuildings. Ayr Farmers Mutual responded quickly and was very helpful in guiding me through the entire process. They were quick to respond to any questions or concerns I had and were respectful and knowledgeable. Thoroughly happy with this company overall.
    - Drago M
  • Unfortunately, we have had a couple of claims throughout the years. We like that we can contact our Agent anytime, by phone or email, and they get back to us almost immediately.
    - Patrick & Linda MacNeil - MacNeil & Dodd Pharmacy

Vehicle Theft Prevention Tips

It’s important for drivers to use a combination of theft-prevention techniques – both low and high tech – to help reduce their exposure to vehicle theft. Here are some suggestions to keep in mind.

MacNeil & Dodd Pharmacy in Ayr, ON - Policyholder Spotlight

Patrick and Linda know that having an insurance partner who understands your needs is vital, which is why they chose Ayr Farmers Mutual. 

9 Steps to Get Your Car Ready for Winter

Before winter arrives in full swing, it’s important to prepare your car for poor driving conditions caused by snow, slush, ice, and frigid temperatures. Here are nine steps to get your car ready for winte.

7 Important Reasons to Add Winter Tires to Your Vehicle

Winter tires can make for a smoother, safer, and a more affordable winter drive. Learn about the 7 reasons to add winter tires to your vehicle!

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