How To Get a Farm Vehicle Auto Insurance Discount (2024)
Farm vehicle auto insurance discounts can take 12% off your farm insurance costs. Farm Bureau, Allstate, Geico, and Farmers are among the top companies that offer farm vehicle discounts. Use this guide to learn how to get a farm vehicle auto insurance discount and what types of vehicles qualify.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Sep 22, 2023
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Sep 22, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- A farm vehicle is any motor vehicle, motorcycle, trailer, or semi-trailer used on a farm, except vehicles that transport passengers for hire
- The most commonly used farm vehicle is a pickup truck
- Farm truck insurance can provide up to a 12% farm vehicle discount
If you own a farm and use farm vehicles to haul produce or livestock, you may qualify for a farm vehicle discount. It’s possible to save up to 12% with a farm vehicle auto insurance discount, but not all auto insurance companies offer this discount or farm insurance coverage.
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.
Find out everything you need to know about farm vehicle discounts today, including the average farm truck insurance cost after your discount applies. Keep reading to learn how to get a farm vehicle auto insurance discount.
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. Fortunately, you can take advantage of auto insurance discounts to save.
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.
Read reviews of the top insurance companies offering a farm vehicle discount to find the best coverage:
Farms with several vehicles could save by checking out farm vehicle auto insurance rates. Different options exist, including farm truck insurance and limited-use agricultural vehicle insurance.
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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.
Check with your state to learn the rules regarding farm vehicles and their uses.
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.
Using a pickup truck for farming purposes more than fifty percent of the time qualifies it for a farm vehicle auto insurance discount.Tracey L. Wells Licensed Insurance Agent & Agency Owner
Farm truck policies are usually much cheaper than standard auto insurance. In addition, farm truck insurance will cover accidents regardless of what the owner was using the truck for at the time of the accident.
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.
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.
Read More: Auto Insurance Discounts for Farm Bureau Members
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.
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Final Thoughts on How to Get a Farm Vehicle Auto Insurance Discount
Farmers can save up to 12% with a farm vehicle 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.
Not all insurance companies offer a farm vehicle discount or farm insurance. However, major insurance companies like Allstate, Farmers, and Geico may offer discounts and coverage.
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Shop around to find the coverage you need with a farm vehicle discount and save on farming costs.
Frequently Asked Questions
Is farm truck insurance cheaper?
Generally, farm truck insurance costs less than standard coverage.
Can I ask for a farm vehicle discount on my auto insurance?
Yes, you should ask your company if it has a farm vehicle auto insurance discount so you don’t miss out on an opportunity to save money on car insurance.
What qualifies as a farm vehicle for auto insurance?
Most insurance companies define a farm vehicle as any motor vehicle used primarily for transporting farm goods and plowing.
Do you have to have auto insurance on a farm-use vehicle?
Some states don’t require farm vehicle insurance. In those areas, you only need to insure farm vehicles to drive legally on public roads.
Can I get a farm vehicle auto insurance discount from any insurance company?
Not all insurance companies offer farm vehicle discounts or farm insurance. It’s important to shop around and compare quotes from different insurance companies to find the coverage you need with a farm vehicle discount.
Can I get a farm vehicle auto insurance discount if I have multiple farm vehicles?
Yes, if you have multiple farm vehicles, you may be eligible for a farm vehicle discount on each vehicle. Insurance companies often offer discounts for insuring multiple vehicles, including farm vehicles.
Can I get a farm vehicle auto insurance discount for safety features installed in farm vehicles?
Some insurance companies offer discounts for safety features installed in farm vehicles, such as anti-lock brakes, airbags, or anti-theft devices. Check with your insurance provider to see if they offer any discounts for safety features.
Can I get a farm vehicle auto insurance discount if I have a clean driving record?
Having a clean driving record can often be beneficial when seeking insurance discounts, including farm vehicle discounts. Insurance companies typically consider your driving history when determining your premiums and discounts.
Can I get a farm vehicle auto insurance discount if I belong to a farming association or organization?
Some insurance companies offer discounts to members of farming associations or organizations. It’s worth checking if any such affiliations can help you qualify for additional discounts on your farm vehicle insurance.
Can you haggle farm insurance prices?
You cannot negotiate your insurance rates with your company, but you aren’t obligated to stay with a provider if they’re too expensive. Use our free comparison tool above to find more affordable auto insurance near you.
Is farm insurance tax deductible?
Depending on your state laws, you may be able to write off farm vehicle insurance premiums as part of an agricultural tax deductible.
How do you write off a farm truck?
In most states, you must use the truck as a farm vehicle 50% of the time or more to earn a farm vehicle auto insurance discount and write off your farm truck.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.