Crop insurance is a safety net for producers that can keep operations going if they lose a crop.

The cost of that insurance is getting higher.

That's because many crops, like wheat, have seen prices soar over the past couple of years.

When there's more to cover those premiums get higher.  President of the National Association of Wheat Growers, David Cleavinger, told Pro News 7, “It's just like your car insurance.  If you go buy a BMW your premiums are going to be higher than if you go buy a Volkswagen.  So, that's...how this crop insurance works.  As the crop prices have gone up , the premiums have gone up also, so most producers have chosen to go to that fifty percent coverage level.”

In years past most producers would have around seventy percent coverage.

A producer's average yield affects their insurance costs, and for some dry land wheat farmers those yields have gotten so low it's almost not worth it to insure their crop.