Auto Insurance for Farm Managers and Owners (Rates & Discounts)

Auto insurance for farm managers and owners is available from most top-rated insurers. You will need a commercial farm managers and owners policy to ensure coverage in the event of an accident while working. The average cost of commercial auto insurance for agricultural workers is $273. Discounts like Progressive's safe driver discount can save up to $146.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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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 insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jul 3, 2021

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What You Should Know

  • Auto insurance policies for farm managers and owners are highly customized
  • You may need to carry two auto insurance policies
  • Farm equipment like tractors and ATV’s need auto insurance coverage

If you own or manage a farm, having the right farm insurance coverage will ensure you can keep working no matter the situation. Auto insurance for farm managers and owners includes customizable policies that provide coverage for all types of farm vehicles.

Looking at something like the Progressive Auto Insurance Review can give you a good idea of what your base rates may be. However, there are several factors that play a role in what you will actually pay for auto insurance.

To quickly compare affordable farm managers and owner’s auto insurance rates, enter your ZIP code now.

What type of auto insurance do I need as a farm manager or owner?

Depending on your farm vehicle situation, the type of coverage you need may vary. Likely you have a personal vehicle that you use for day-to-day tasks. As long as you aren’t using it for work purposes, a standard auto insurance policy will be just fine.

However, if you use that exact vehicle for farm-related traveling, you will want to purchase a commercial or business-use auto insurance policy. Additionally, you should carry a policy for all the vehicles that are used on your farm.

Here is a look at some average rates based on coverage level to give you an idea of what you may end up paying.

Average Annual Auto Insurance Rates by Coverage Type
Coverage TypesAverage Annual Rates
Comprehensive$148
Collision$323
Liability$538
Commercial$900-$1,700
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A  commercial policy will cover you in the event of an accident while driving for work. Whether you are picking up feed, selling stock, or meeting with new customers, you want to make sure your vehicle is protected.

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What is the best auto insurance company for farm managers and owners?

While most top-rated insurance companies will offer a commercial policy to cover your farm vehicles, the rates will not be the same. As mentioned, auto insurance rates are exceptionally personalized. Your risk level for insurance is figured out by considering:

  • Age
  • Credit Score
  • Driving Record
  • Location
  • Annual Mileage
  • Education
  • Claims

Progressive and GEICO auto insurance are both excellent choices when looking for affordable base rates. Not only are they typically more affordable they also both offer many discounts to help keep costs down.

You may also want to check out Agricultural Worker’s Mutual auto insurance company. As far as specific farm managers and owner auto insurance companies go, this is one of the best. Additionally, they offer other types of coverage for all your insurance needs.

Here is a look at some sample rates from Progressive for more understanding of what you may be paying for a commercial or business-use auto insurance policy for farm managers and owners.

Progressive Sample Rates by Policy Type
Type of Auto Insurance CoverageSample Monthly Rates from ProgressiveSample of Monthly Rate Increase (Compared to a Personal Policy Alone)
Personal Auto Insurance (No Delivery)$105.83N/A
Personal Auto Insurance (Delivery)No Coverage AvailableNo Coverage Available
Business + Personal Auto Insurance$296.83180.47%
Commercial Auto Insurance$273.08158.03%
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While a commercial or business-use policy may be expensive, it will set your mind at ease while driving for work. Progressive farm truck insurance may be a great fit, but comparing rates from numerous companies will ensure you get the best farm managers and owner’s auto insurance rates.

When you are ready to buy farm managers and owners auto insurance, enter your ZIP code to see how much you can save.

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