Can't-Miss Facts

  • You can save an average of 10% on your premiums with a farm vehicle auto insurance discount
  • Four national auto insurance providers offer this discount
  • To qualify, you must insure an approved farm vehicle through the same company as your auto insurance

Depending on what provider you use, you can save an average of 10% on your annual premiums with a farm vehicle auto insurance discount.

Keep reading to discover what providers offer this discount and learn how to keep your auto insurance rates low.

To compare farm vehicle auto insurance discount rates, enter your ZIP code into our free tool above to immediately receive quotes from the best providers in your region.

What companies offer a farm vehicle auto insurance discount?

To research farm vehicle auto insurance discounts by company, you’re in the right place.

Currently, only four major insurance companies offer a farm vehicle discount to customers. However, there may be local agencies near you that also provide this savings opportunity.

If you want to buy farm vehicle discount auto insurance, check out the following providers:

When it comes to auto insurance discounts, each company uses different eligibility rules and provides different levels of savings.

Therefore, the best farm vehicle auto insurance discount company for one person might not be the same for another person.

However, you can expect to save an average of 10% on your annual premiums if you earn this discount.

While Progressive offers truck insurance, there is no Progressive farm truck insurance. Therefore, this discount is not available through this company.

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What is a farm vehicle auto insurance discount?

According to DataUSA, there are about 270,000 farmers in America. If you’re a farm owner, you can receive discounted auto insurance rates by bundling your auto and farm vehicle policies through the same provider.

This customer loyalty discount works similarly to bundling home and auto policies.

Some companies allow you to bundle your auto, farm vehicle, and home insurance for even more significant savings.

To qualify, you must purchase an approved policy for a tractor, ATV, UTV, plow truck, seeder, or other specialized farm equipment through the same provider as your auto insurance.

The insurance rate for agricultural vehicles tends to be cheaper than other larger commercial trucks because they aren’t driven as often. Farm semi insurance costs are usually under $10,000 annually.

A farm vehicle auto insurance discount is separate from limited use agricultural vehicle insurance. The deal only applies to a private passenger auto policy, not a farm owner policy.

Farm Vehicle Auto Insurance Discount: The Bottom Line

On average, farmers pay $158 per month or $1,895 annually for private passenger auto insurance.

However, by insuring your farm equipment through the same company as your auto insurance, you can potentially receive a 10% annual rate reduction.

Now that you’ve learned about affordable farm vehicle auto insurance discounts, you can enter your ZIP code into our free rate tool below to immediately receive quotes from the top companies near you.