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Farm Vehicle Car Insurance Discount

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Feb 9, 2021

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Key Takeaways

  • With a farm vehicle car insurance discount, you can save as much as 10 percent on your car insurance premiums.
  • To qualify for this discount, you must insure an approved farm vehicle with the same company as your car insurance.
  • Four national insurance providers offer this discount, including Allstate, Farmers, GEICO, and the Hartford.


With a farm vehicle car insurance discount, you can save as much as 10 percent on your car insurance rates. You can find an affordable farm vehicle car insurance discount through Allstate, Farmers, GEICO, and the Hartford.

Read our quick guide to learn how you can qualify for a farmer’s insurance discount and secure cheap car insurance.

Compare farm vehicle car insurance discount rates by entering your ZIP code into our free tool above and receive car insurance quotes from reputable providers near you.

What car insurance companies offer a farm vehicle car insurance discount?

According to DataUSA, 261,573 farmers are working across America. If you’re a farm owner, you may be able to bundle your insurances and receive a discount.

Compare farm vehicle car insurance discounts by company in the table below.

Farm Vehicle Car Insurance Discount Offered by Company
CompaniesFarm Vehicle Car Insurance Discount Offered
AllstateYes - 10%
FarmersYes
GEICOYes
The HartfordYes
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Four national insurance companies offer this type of savings. With Allstate, you can save up to 10 percent by bundling a farm vehicle insurance policy with your car insurance policy.

Insurance providers all offer different types of discounts with unique qualification requirements and savings amounts. If you’re a farmer whose provider is not on the list, consider shopping around for one that does.

What is a farm vehicle car insurance discount?

A farm vehicle car insurance discount is a way for insurance providers to reward customers for being loyal to the company. Companies want as much of your business as possible. To entice you, you’ll be granted different savings opportunities.

A similar bundling discount is often applied to homeowners. In fact, with some companies, you can bundle farmers home insurance discounts with farm vehicle insurance for even more savings.

According to the Centers for Disease Control and Prevention (CDC), work vehicles are the number one cause of death amongst farmers, specifically tractor accidents.

By purchasing insurance coverage on those dangerous farm vehicles, you’re proving a level of responsibility to your insurance provider. Responsible behavior usually leads to lower car insurance rates. Unlike high-risk car insurance rates, which could be double or triple the average.

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How can I qualify for a farm vehicle car insurance discount?

To qualify for a farm vehicle car insurance discount, you must first verify that your provider offers this savings opportunity.

Then you must purchase an approved insurance policy through the same provider on your farm vehicle. The vehicle can be a tractor, ATV or UTV, plow truck, seeder, or other specialized equipment.

The discount will then be automatically applied to your policy.

How much can I save with a farm vehicle car insurance discount?

Farmers pay an average of $158 per month or $1,895 annually on car insurance. Expect to save an average of 10 percent on your full policy with a farm vehicle car insurance discount.

However, your actual rates and savings amounts will vary by company. What determines the price of car insurance? Your age, driving record, where you live, and the type of vehicle you drive will also impact your annual premiums.

You are now an expert on securing a farm vehicle car insurance discount. By insuring the equipment you use on your farm with the same company you trust to insure your vehicle, you’ll have both more peace of mind, and lower car insurance rates.

Enter your ZIP code into our free quote tool below to receive car insurance rates from reputable providers near you, and see how much you can save with a farm vehicle car insurance discount.

References:

  1. https://datausa.io/profile/soc/farmers-ranchers-other-agricultural-managers
  2. https://www.cdc.gov/niosh/newsroom/feature/keepfarmersafe.html

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