What’s a Farm Vehicle Discount? How Do I Get It?

Farmers are eligible to earn a farm vehicle discount on their auto insurance policies. To qualify, you must insure an approved work vehicle through the same participating auto insurance provider. Currently, you can buy farm vehicle discount auto insurance from four national auto insurance companies. Farmers typically save 10% on average with affordable farm vehicle discount auto insurance.

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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 21, 2021

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What You Should Know

  • Four national auto insurance companies offer a farm vehicle discount to drivers
  • Customers save 10% on average by earning this discount
  • To qualify, you must insure an approved farm vehicle through the same provider as your auto policy

Farmers can qualify for farm vehicle discounts on their auto policies through four different providers.

Keep reading to learn how to compare auto insurance quotes and take advantage of discounts for farmers.

After comparing affordable farm vehicle discount auto insurance rates, remember to enter your ZIP code into our free tool above to compare quotes from the leading companies near you.

What auto insurance companies offer a farm vehicle discount to drivers?

Currently, four national auto insurance companies offer a farm vehicle discount to drivers.

Farmers save 10% on average by earning this discount.

Look through a complete list below to discover if you already use a farm vehicle discount auto insurance company:

Your age, driving record, and coverage needs also impact your auto insurance premiums.

Therefore, to secure your cheapest possible rates, compare quotes online from multiple providers.

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What is a farm vehicle discount?

According to DataUSA, 277,000 farmers work across America, relying on vehicles and heavy machinery every day.

To qualify for a farm vehicle discount, you must insure a farm vehicle compliant machine through the same provider as your auto policy.

So a farm vehicle discount is essentially an insurance bundle because you’re purchasing multiple lines of insurance through one company.

What qualifies as a farm vehicle? Your machine must follow your regional farm use tag rules, which vary by state. However, ATVs, UTVs, trucks, and other machinery are eligible.

Typically, the vehicle can only be used in connection with the farm and driven only by the farmer and their family.

So do you have to have a license to drive a farm use vehicle? It depends on where you live, but sometimes a license is required.

How far can you drive a farm use vehicle? This also varies by state, but usually, it must be within 150 miles.

Combing farm insurance with auto insurance does not qualify you for this discount. You must insure a vehicle, not the actual farm itself.

Farm Vehicle Discount: The Bottom Line

If you’re a farmer who uses one of the providers listed above, it’s worth asking about a farm vehicle discount.

Other easy ways farmers can save on auto insurance include qualifying for low-milage, multi-policy, safe driver, and occupational discounts.

Now that you’ve learned how to buy farm vehicle discount auto insurance, enter your ZIP code into our free tool below to compare quotes from the best providers near you.

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