How to Get a Farm Vehicle Discount
Farmers are eligible for a farm vehicle discount of up to 12% if vehicles meet specific requirements. Companies offering this discount include Allstate, Farmers, and GEICO. Learn how to save on your farm vehicle insurance.
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UPDATED: Jun 21, 2022
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- 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
Farming is essential but can be expensive. Between the cost of supplies, vehicles, and insurance, farmers spend a lot of money. Thankfully, there are ways farms can cut insurance costs.
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. However, not all auto insurance companies offer this discount or farm insurance.
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. Keep reading to learn which companies offer the farm vehicle discount and how to qualify for savings.
Where can you find farm vehicle discounts?
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.
The top insurance companies offering a farm vehicle discount include:
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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What vehicles qualify as farm vehicles?
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.
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 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 affordable farm vehicle discount auto insurance, and buying farm vehicle discount auto insurance can help a farmer cut costs.
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.
What are limited-use agricultural vehicles?
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.
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 commercial vehicles, unlike box trucks and pickups, which you can categorize as limited-use agricultural vehicles.
Farm truck insurance covers various farm vehicles, including box trucks, pickup trucks, and semi-trucks. Heavy farm trucks, including semis, can be expensive to insure.
Most heavy trucks cost $10,000 to $15,000 annually 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.
However, not every insurance company offers farm truck insurance. Progressive, Nationwide, State Farm, and Farm Bureau are some of the top insurance companies that offer farm insurance.
Shop around to find the best insurance companies offering farm insurance and a farm vehicle discount.
What does a farm truck insurance policy cover?
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
- Uninsured/underinsured motorist
- Personal injury protection
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.
How to Get a Farm Vehicle Discount: The Bottom Line
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.
Shop around to find the coverage you need with a farm vehicle discount and save on farming costs.