How to Get a Farm Vehicle Discount

Farmers are eligible for a farm vehicle discount and can save up to 12% on their farm vehicle insurance over traditional auto insurance plans. Farm truck insurance and limited-use agricultural vehicle insurance are two types of farm vehicle insurance to consider. Insuring agricultural semi-trucks with commercial insurance is another option.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jun 21, 2021

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Things to Remember

  • Farm vehicles are defined as any motor vehicle (except vehicles that transport passengers for hire), motorcycle, trailer, or semi-trailer used on a farm.
  • The most commonly used farm vehicle is a pickup truck.
  • Purchasing 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 or help work the farm, you may qualify for a farm vehicle discount on your auto insurance.

It’s possible to save up to 12% with a farm vehicle discount over the cost of standard auto insurance rates.

Farmers may use different types of vehicles to help them do their work. Vehicles on a farm can have either commercial, agricultural, or farm plates. 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. Enter your ZIP code for free quotes from the top farm vehicle discount auto insurance companies near you.

Where can you find farm vehicle discounts?

Running a farm can be expensive. 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% as compared to traditional auto insurance.

Farms with many vehicles, especially with a variety of trucks could save costs by checking out farm vehicle discount auto insurance rates.  Different options exist including farm truck insurance and limited-use agricultural vehicle insurance.

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What vehicles qualify as farm vehicles?

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

In order to get a farm vehicle discount, you must have a vehicle that qualifies as a farm vehicle.

According to the Federal Motor Carrier Safety Administration (FMCSA), a farm vehicle is one that is:

  • operated by an owner-operator of a farm, or by a family member or employee of the owner-operator
  • transports agricultural products, livestock, farm machinery, or supplies to or from a farm
  • not used in for-hire motor carrier operations

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

What is the most common farm vehicle?

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

Using a pickup truck for farming purposes more than fifty percent of the time qualifies it for affordable farm vehicle discount auto insurance, and buying farm vehicle discount auto insurance can help a farmer cut costs on his farm.

Farm truck policies are usually much cheaper than standard auto insurance. Farm truck insurance will cover accidents regardless of what the truck was being used for at the time of the accident.

What are limited-use agricultural vehicles?

There are some rules to being classified as a limited use agricultural vehicle. Limited use agricultural vehicles are defined as those that travel less than 7,500 miles per year. They 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, drive to a municipal landfill, a repair shop, or from a point of sale to the owner’s farm.

Limited use agricultural vehicles also have to file a certification of farm routes form when they are registered. These vehicles can be covered under limited use agricultural vehicle insurance to be protected in an accident.

Do farm vehicles qualify as commercial vehicles?

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

Progressive farm truck insurance covers a variety of farm vehicles including box trucks, pickup trucks, and semi-trucks. Heavy farm trucks, including semis, can be expensive to insure.

The majority of heavy trucks cost between $10,000 to $15,000 per year to insure. The farm semi insurance cost is usually on the lower end, closer to $10,000 per year mainly because they face low risks hauling agricultural products.

What does a farm truck insurance policy cover?

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

It’s also possible with some insurance companies to combine farm truck insurance coverage with a farm insurance policy, which could qualify you for a multi-policy discount.

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

Now that you know about the different types of farm vehicle insurance and how to get farm vehicle discounts, enter your ZIP code for free quotes from the top insurance companies in your area before you buy farm vehicle discount auto insurance.

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