LRP Rater — Free Online Livestock Risk Protection Rater
This site is a free LRP rater for U.S. cattle producers. It connects directly to USDA Risk Management Agency rate files and returns a same-day Livestock Risk Protection rate for any commodity, class, region, weight, endorsement length, and coverage level the agency publishes.
Run a rate
Pick your inputs and get coverage price, premium rate, subsidy, and producer cost in seconds.
Open the LRP Rater →What the Rater Returns
- Coverage price ($/cwt) for every coverage level published
- Premium rate (%) for every endorsement length
- Total liability for your head and weight
- Gross premium, federal subsidy, and producer premium per head
- Indemnity scenario at a user-selectable Actual Ending Value
- BFR and VFR bonus subsidy applied when selected
How the Rater Works
Each weeknight USDA RMA publishes a new rate file with coverage prices and premium rates for every commodity, type, weight, region, endorsement length, and coverage level. The rater reads that file and applies the federal subsidy schedule (35–55% based on coverage level) plus any BFR or VFR bonus, then returns the producer's out-of-pocket cost. No data is interpolated — the rates shown are the rates the agency published.
Where Else to Look
- LRP Rates — explanation of how rates are set
- LRP Quotes — same-day quotes from RMA
- LRP Pricing — what LRP typically costs per head
LRP Rater FAQ
What is an LRP rater?
An LRP rater is an online tool that pulls USDA RMA's published Livestock Risk Protection rates and computes coverage price, premium, federal subsidy, and producer cost for a specific quote. This site is a free LRP rater for cattle producers.
Is this LRP rater free to use?
Yes. There is no signup, no paywall, and no agent required to run a rate on this site. The data comes straight from USDA RMA's nightly publication.
How accurate is the LRP rater compared to my agent's quote?
The rater uses the same published RMA rates your agent's quoting system uses. Numbers should match within rounding on the same effective date. The only binding quote, however, is the one your USDA-approved crop insurance agent submits.
Rater only — not an official quote. Final premiums must be obtained from a USDA-approved crop insurance agent.