Jessica Sautter is a Content Writer for with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Jun 30, 2021

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Key Takeaways

  • You can stack a farm vehicle discount with other car insurance discounts
  • Some of the best car insurance companies offer a farm vehicle discount
  • You can save at least 10% when you qualify for farm vehicle discounts

Do you want to insure your farm vehicle? Some of the best car insurance companies provide farm vehicle discounts. Although you can’t buy farm vehicle discounts, there’s a way you can earn them.

Read through this guide to learn how to get a farm vehicle discount and how you can stack it with other car insurance discounts.

Before learning more about farm vehicle discount rates, enter your ZIP code in the free online quote tool to compare multiple companies in your local area and secure the best rates.

What car insurance companies have a farm vehicle discount?

Farm & ranch insurance companies have various types of insurance related to farm vehicles. While some top auto insurance companies don’t carry limited use of agricultural vehicle insurance, they have farm vehicle discounts.

Here’s a list of top car insurance companies that have farm vehicle discounts.

  • Allstate
  • State Farm
  • Farmers

Each company provides a different value for farm vehicle discounts, but the average farm vehicle discount is about 10%.

Some people often mistake Progressive farm truck insurance for farm insurance. However, Progressive has a commercial truck insurance program, which happens to cover farm trucks.

How much is car insurance with a farm vehicle discount?

Let’s assume that farm vehicle discounts are 10% for most companies. What does car insurance look like when you add a farm vehicle discount?

Here’s an example of a farm vehicle discount and how it affects the average monthly rate of the best companies.

Average Monthly Car Insurance Rates w/ a Farm Vehicle Discount
CompaniesAverage Monthly Car Insurance RatesAverage Monthly Car Insurance Rates w/ Farm Vehicle Discount
State Farm$235$212

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The farm vehicle discount lowers your car insurance per month. Now imagine your monthly payments when you stack other auto insurance discounts.

You can save hundreds of dollars per year by stacking car insurance discounts. Shop around until you get the auto insurance rates you need.

Are commercial car and truck insurance companies better?

Car insurance companies with multiple insurance products are flexible and provide well-rounded insurance coverage. But, commercial vehicle insurance companies specialize in specific coverages, such as farm semi insurance.

Farm semi insurance costs are usually more expensive than all-purpose insurance companies, but commercial car and truck insurance is more comprehensive.

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How do you stack other car insurance discounts with a farm vehicle discount?

When you buy car insurance, your personal factors may qualify you for car insurance discounts. For example, if you have a farm vehicle that you want to insure, some auto insurance companies will give you a deal.

For example, let’s say you want to insure your Chevrolet Silverado and a tractor.

You’ll get all the available discounts from the auto insurance company based on factors that determine auto insurance. In addition, you’ll receive a discount because you bundled your farm vehicle into your insurance policy.

And if you have good credit, you can lower your rates even more. According to the Federal Trade Commission (FTC), people with good credit correlate to reasonable risks, which means cheaper car insurance rates.

Take it a step further and buy home insurance to save up to 12% on your overall insurance bill. Home insurance discounts stack onto car insurance discounts when you bundle, also.

Some home insurance discounts are state-specific. For instance, a deal in Kansas may not be available in Indiana.

Should I bundle car and farm insurance?

It depends on your needs. Sometimes, it’s in the customer’s best interest to bundle both insurance products at the same company. It’s less complicated, but your insurance bill is more expensive.

Compare car and farm insurance rates to see if it’s cheaper to bundle or have various companies manage your insurance coverage.

Farm Vehicle Discount: What’s the bottom line?

Some car insurance companies provide over 10% on a farm vehicle discount, which can lower car insurance quotes.

Farm vehicle discounts may not be available everywhere. You’ll have to shop around for a company that provides farm vehicle discounts and insurance.

Now that you know more about farm vehicle discounts try using our free online quote tool below to compare multiple companies in your area to secure the best rates.

Frequently Asked Questions: Farm Vehicle Discount

Before we go, we’ll answer a couple of frequently asked questions. Then, read on to learn more.

#1 – Why do car insurance companies provide farm vehicle discounts?

Auto insurance companies may provide a farm vehicle discount to make their insurance products more versatile. In addition, some companies offer farm insurance altogether to ensure customers have everything they need.

#2 – What do you do after buying a farm vehicle and moving to a farm?

Getting insurance for your farm vehicle and farm is the next step. It doesn’t take long to buy insurance for farms and vehicles, so try to get insurance as soon as you can.