Cheap Farm Vehicle Auto Insurance in 2024 (Save Big With These 10 Companies!)

Erie, Geico, and State Farm are the top picks for cheap farm vehicle auto insurance. Erie offers the most budget-friendly coverage at $22/month.

Farmers may use different vehicle types for work, and farm vehicles can have commercial, agricultural, or farm plates. In addition, each state has different auto insurance laws regarding farm vehicles, so it’s good to know how they apply in your state.

Our Top 10 Company Picks: Cheap Farm Vehicle Auto Insurance

Find out everything you need to know about farm vehicle discounts today, including the average farm truck insurance cost after your discount applies. Enter your ZIP code above to find cheap rates near you.

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#1 – Erie: Top Pick Overall

Pros

• Competitive Rates: Erie often offers competitive rates for auto insurance, including coverage for farm vehicles. Learn more in our Erie auto insurance review.
• Personalized Service: Known for its personalized customer service, Erie agents work closely with customers to find the best coverage options for their needs.
• Multi-Policy Discounts: Erie offers discounts for bundling multiple policies, which can help save money on farm vehicle insurance when combined with other coverage.

Cons

• Limited Availability: Erie’s coverage may be limited to certain regions, which could restrict access for farmers in other areas.
• Fewer Online Tools: Erie’s online platform may not be as robust as some other insurers, which could be inconvenient for customers who prefer managing their policies digitally.

#2 – Geico: Best for Affordability

Pros

• Affordability: Geico is often recognized for its low-cost insurance options, which can benefit farmers looking for budget-friendly coverage. Read more about Geico’s affordability in our Geico auto insurance review.
• Convenient Access: Geico offers convenient online tools and a user-friendly app for managing policies and filing claims.
• Variety of Discounts: Geico provides various discounts that farmers may qualify for, such as multi-vehicle discounts and safety feature discounts.

Cons

• Limited Local Agents: Geico primarily operates online and over the phone, which means there may be limited opportunities for in-person assistance.
• Limited Coverage Options: While Geico offers basic coverage for farm vehicles, its options may not be as extensive or customizable as some other insurers.

#3 – State Farm: Best for Financial Stability

Pros

• Strong Financial Stability: State Farm’s long-standing financial stability provides reassurance that claims will be paid promptly and reliably.
• Extensive Coverage Options: State Farm offers a wide range of coverage options, allowing farmers to tailor policies to their specific needs. Learn more about State Farm’s coverage options in our State Farm auto insurance review.
• Local Agents: With a vast network of local agents, State Farm provides personalized service and assistance to farmers in their communities.

Cons

• Potentially Higher Rates: While State Farm offers comprehensive coverage, its rates may be slightly higher compared to some other insurers.
• Limited Online Tools: State Farm’s online platform may not be as advanced as those of some competitors, which could be inconvenient for tech-savvy farmers.

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#4 – Progressive: Best for Competitive Rates

Pros

• Competitive Rates: Progressive farm truck insurance often provides competitive rates. Read more about Progressive’s competitive rates in our Progressive auto insurance review.
• Flexible Payment Options: Progressive offers flexible payment plans, including options for automatic withdrawals and online payments.
• Easy Quoting Process: Progressive’s online quoting process is straightforward and user-friendly, making it easy for farmers to get quotes quickly.

Cons

• Limited Local Agents: Progressive primarily operates online and over the phone, which means there may be limited opportunities for in-person assistance.
• Coverage Limitations: While Progressive offers basic coverage for farm vehicles, its options may not be as comprehensive or customizable as some other insurers.

#5 – The Hartford: Best for Specialized Coverage

Pros

• Specialized Coverage: Hartford offers specialized coverage options for farm vehicles, including coverage for equipment and liability protection. Learn more in our The Hartford auto insurance review. 
• Dedication to Farmers: Hartford has a long history of serving farmers and understands the unique insurance needs of agricultural businesses.
• Strong Customer Service: Hartford is known for its responsive customer service, providing assistance and support to farmers when they need it most.

Cons

• Potentially Higher Rates: Hartford’s specialized coverage options may come with higher premiums compared to standard auto insurers.
• Limited Availability: Hartford’s coverage may be limited to certain regions or states, which could restrict access for farmers in other areas.

#6 – Nationwide: Best for Versatile Coverage Options

Pros

• Versatile Coverage Options: Nationwide offers a variety of coverage options tailored to the needs of farmers, including equipment and liability coverage.
• Strong Financial Stability: Nationwide’s solid financial standing ensures that claims are handled promptly and efficiently.
• Multi-Policy Discounts: Nationwide provides discounts for bundling multiple policies, allowing farmers to save money on their insurance premiums. Read more in our Nationwide auto insurance review.

Cons

• Potentially Higher Rates: Nationwide’s specialized coverage options may come with higher premiums compared to standard auto insurers.
• Limited Local Agents: While Nationwide has a network of agents, they may not be as widely available in rural areas, limiting in-person assistance for some farmers.

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#7 – American Family: Best for Flexible Coverage Options

Pros

• Personalized Service: American Family agents provide personalized service and assistance, helping farmers find the right coverage for their needs.
• Competitive Rates: American Family offers competitive rates for auto insurance, including coverage for farm vehicles. Learn more about American Family’s competitive rates in our American Family auto insurance review.
• Flexible Coverage Options: American Family provides flexible coverage options, allowing farmers to customize their policies to suit their unique circumstances.

Cons

• Limited Availability: American Family’s coverage may be limited to certain regions or states, which could restrict access for farmers in other areas.
• Limited Online Tools: American Family’s online platform may not be as advanced as those of some competitors, which could be inconvenient for tech-savvy farmers.

#8 – Farmers: Best for Multi-Policy Discounts

Pros

• Specialized Coverage: Farmers offers specialized coverage options for farm vehicles, including protection for equipment and liability.
• Strong Customer Service: Farmers is known for its responsive customer service, providing support and assistance to farmers when they need it most.
• Multi-Policy Discounts: Farmers offers discounts for bundling multiple policies, helping farmers save money on their insurance premiums.

Cons

• Potentially Higher Rates: Farmers’ specialized coverage options may come with higher premiums compared to standard auto insurers. Read more about Farmers’ higher rates in our Farmers auto insurance review. 
• Limited Availability: Farmers’ coverage may be limited to certain regions or states, which could restrict access for farmers in other areas.

#9 – Allstate: Best for Comprehensive Coverage Options

Pros

• Comprehensive Coverage Options: Allstate offers a wide range of coverage options, allowing farmers to tailor their policies to their specific needs (learn more: Allstate Auto Insurance Review).
• Strong Financial Stability: Allstate’s solid financial standing ensures that claims are handled promptly and efficiently.
• User-Friendly Online Tools: Allstate provides a user-friendly online platform and mobile app for managing policies and filing claims.

Cons

• Potentially Higher Rates: Allstate’s comprehensive coverage options may come with higher premiums compared to standard auto insurers.
• Limited Local Agents: Allstate’s network of agents may not be as widely available in rural areas, limiting in-person assistance for some farmers.

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#10 – Liberty Mutual: Best for Personalized Service

Pros

• Personalized Service: Liberty Mutual agents provide personalized service and assistance, helping farmers find the right coverage for their needs.
• Competitive Rates: Liberty Mutual offers competitive rates for auto insurance, including coverage for farm vehicles. Read more about Liberty Mutual’s competitive rates in our Liberty Mutual auto insurance review.
• Strong Financial Stability: Liberty Mutual’s solid financial standing ensures that claims are handled promptly and efficiently.

Cons

• Potentially Higher Rates: Liberty Mutual’s comprehensive coverage options may come with higher premiums compared to standard auto insurers.
• Limited Availability: Liberty Mutual’s coverage may be limited to certain regions or states, which could restrict access for farmers in other areas.

The Cost of Cheap Farm Vehicle Auto Insurance

Is farm truck insurance cheaper? The answer depends on multiple elements, including the vehicle’s usage, location, and insurance provider. Understanding what qualifies as a farm vehicle is pivotal here. Typically, any motor vehicle, motorcycle, trailer, or semi-trailer used primarily on a farm fits the bill. However, insurance companies may vary, so it’s crucial to clarify this aspect when seeking coverage.

For those with specific agricultural needs, limited use agricultural vehicle insurance can be a viable solution. This type of insurance is tailored to vehicles primarily used for farming activities, offering coverage that aligns with their unique requirements.

Farm Vehicle Auto Insurance Monthly Rates by Coverage Level

Are farm plates cheaper? While farm plates may offer certain benefits, such as exemptions from certain taxes or regulations, their impact on insurance costs can vary. It’s essential to consult with insurance providers to determine the overall cost-effectiveness of farm plates for your situation.

In the quest for farm truck insurance, it’s prudent to explore various options to find the most suitable coverage at an affordable price. Securing a farm truck insurance quote is a crucial initial step in this process.

By obtaining quotes from different providers, farmers can compare rates and coverage options to make informed decisions that align with their budget and needs.

Understanding the intricacies of farm vehicle insurance is important for farmers seeking adequate coverage. Exploring options, such as limited-use agricultural vehicle insurance, and assessing potential benefits, farmers must navigate various considerations. Consulting with providers like Erie, Geico, and State Farm for specialized insurance for farm trucks and obtaining tailored farm vehicle insurance quotes can ultimately lead to cost-effective coverage solutions tailored to the unique demands of agricultural operations.

Check out our Farm Bureau auto insurance review for more information.

Insurance Options for Farm Vehicles in Arkansas, Michigan, and Texas 

Farmers in Arkansas, Michigan, and Texas rely heavily on their farm vehicles to carry out essential tasks on their agricultural properties. Securing the right insurance coverage for these vehicles is important to protect both the vehicles themselves and the farmers’ livelihoods.

Read More: Arkansas Auto Insurance

One of the primary considerations is farm semi truck insurance, especially for those with larger vehicles used for transporting goods over long distances. This specialized insurance provides coverage tailored to the unique risks associated with operating semi-trucks on farms, ensuring financial protection in the event of accidents or damage.

Obtaining farm truck insurance in Michigan and farm truck insurance in Texas is a legal requirement for farmers operating trucks on public roads. This insurance provides coverage for both personal and commercial use of farm trucks, ensuring compliance with state laws and protecting farmers from potential liabilities. Farm truck insurance in Arkansas is also designed to meet the unique needs of agricultural operations in the state.

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Where to Get a Farm Vehicle Auto Insurance Discount

Running a farm can be expensive, and insurance for your farm and vehicles is also costly. 

One way to reduce costs is to look for a farm vehicle discount when insuring your farm vehicles. Farm vehicle discounts can save owners up to 12% compared to traditional auto insurance.

Farms with several vehicles could save by checking out farm vehicle auto insurance rates. Different options exist, including farm-use insurance and limited-use agricultural vehicle insurance.

How to Get a Farm Vehicle Auto Insurance Discount

Farmers have many vehicle types to help them work. They use tractors, pickup trucks, box trucks, and sometimes semis to haul, move, and work the land or livestock.

To get a farm vehicle discount, you must have a vehicle that qualifies as a farm vehicle. The Federal Motor Carrier Safety Administration (FMCSA) determines which vehicles qualify as farm vehicles.

According to the FMCSA, a farm vehicle is:

• Operated by an owner-operator of a farm or by a family member or employee of the owner-operator
• A vehicle that transports agricultural products, livestock, farm machinery, or supplies to or from a farm
• Not used in for-hire motor carrier operations
• Not used to transport hazardous materials

A farm vehicle can be any motor vehicle, motorcycle, trailer, or semi-trailer used on a farm, except vehicles that transport passengers for hire.

Although the FMCSA regulates farm vehicles, your state also plays a part. Each state makes its own regulations about farm vehicles, including how they’re taxed and how far they can regularly travel.

Learn More: Which states have the cheapest auto insurance rates?

Check with your state to learn the rules regarding farm vehicles and their uses, and assess your farm truck insurance cost to ensure you’re getting the best deal.

Common Farm Vehicles That Qualify For Auto Insurance Discounts

Some farmers use box trucks, semi-trucks, and flatbed trucks to transport their goods to market. Semi-trailers are commercial vehicles, unlike box trucks and pickups, which you can categorize as limited-use agricultural vehicles.

The most common vehicle on a farm is a pickup truck. Pickup trucks transport, haul, and tow trailers on the farm, but farmers can also use them on public roads for everyday errands.

Farm truck policies are usually much cheaper than standard auto insurance. In addition, insurance for a farm truck will cover accidents regardless of what the owner was using the truck for at the time of the accident (read more: Auto Insurance for Drivers With Accidents).

While farm trucks still need traditional insurance and must meet state minimums to be driven legally, coverage limits and add-ons may differ significantly. For example, if your farm vehicle doesn’t leave the immediate area, you may choose to lower coverage limits.

Limited-Use Agricultural Vehicle Auto Insurance

There are some rules to being classified as a limited-use agricultural vehicle. Limited-use agricultural vehicles travel less than 7,500 miles per year and can only travel on public highways via direct routes and not more than 25 miles one way.

Limited-use agricultural vehicles are allowed to drive to other parts of a single farm enterprise, a municipal landfill, a repair shop, or from the point of sale to the owner’s farm.

Learn More: Auto Insurance Discounts for Farm Bureau Members

Limited-use agricultural vehicles also must file a certification of farm routes form when registered. Limited-use agricultural vehicle insurance can cover these vehicles in an accident.

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Types of Farm Vehicle Auto Insurance Coverage

Farm truck policies are similar to auto insurance policies. You can choose different coverage options depending on the insurance company you choose. You can choose from many of the same coverage options as auto insurance, such as:

• Liability auto insurance
• Comprehensive auto insurance
• Collision auto insurance
• Uninsured motorist coverage
• Personal injury protection (PIP) auto insurance

Some insurers also allow you to combine farm truck insurance coverage with a farm insurance policy, which could qualify you for a multi-policy discount.

It’s wise to get multiple farm vehicle discount auto insurance quotes before deciding which works best for you.

Final Thoughts on How to Get a Farm Vehicle Auto Insurance Discount

Farmers can save up to 12% with a farm motor insurance discount, but it only applies to vehicles used for a specific purpose. While pickup trucks, box trucks, tractor-trailers, and ATVs qualify as farm vehicles, you must primarily use them for farm purposes. 

Read More: How to Get a Membership Auto Insurance Discount

Not all insurance companies offer a farm-use vehicle insurance. However, major insurance companies like Erie, Geico, and State Farm may offer discounts and coverage.

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