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Farm Truck Insurance
Commercial auto insurance for farm and agricultural vehicles
What is farm vehicle insurance?
Farm truck insurance protects the vehicles that power your agricultural business. This specialized coverage can offer affordable protection for vehicles that are used mostly on farm property. It's especially important for agricultural operations that rely on trucks for everything from hauling feed to harvesting crops.
As the #1 commercial auto insurer in America*, Progressive Commercial provides flexible coverage and payment options with expert support for all your farm truck insurance needs.
Do I need farm vehicle insurance?
Yes, agricultural vehicles are a big investment for operations of any size, and you should protect that investment with the right insurance coverage. Whether you're a small farmer or a large agricultural operation, if one of your vehicles is damaged it can slow things down. That's why insurance for farm vehicles is essential. Commercial auto insurance can get you back up and running quickly, covering the cost of repairs or replacement.
Farm truck insurance can also help pay for damages to others if you're involved in an accident, reducing your out-of-pocket costs.
Get a farm vehicle insurance quote with Progressive Commercial today. Our experts will customize a policy that meets your needs and helps you stay on track.
Is farm truck insurance required by law?
Farm truck insurance may be legally required depending on the type of truck, how it's used, and where it's located. For instance, heavy trucks operating on public roads must meet certain minimum coverage requirements, just like other business vehicles need commercial auto insurance.
What does farm use vehicle insurance cover?
Farm vehicle insurance can include standard commercial auto insurance coverages like liability, uninsured motorist, medical payments, and collision, but you can tailor commercial truck insurance to the needs of your farming operation.
Additional coverages like rental reimbursement with downtime can keep your farm up and running, even if your truck breaks down.
What isn't covered by farm vehicle insurance?
Farm truck insurance covers the risks associated with driving the vehicle. But farm work has other exposures, and most agricultural operations need additional business insurance coverage, such as:
Farm use vs. commercial use
Using a vehicle on your farm doesn't automatically qualify it for farm truck insurance. To determine what qualifies as a farm vehicle, insurers look at usage patterns like:
- Primarily operating on farm premises
- Being used for farming activities, not personal errands or travel
If your vehicle is used more broadly, such as making deliveries, you might need other commercial auto insurance coverages to stay protected on and off the farm.
How far can you drive a farm-use vehicle?
According to the Federal Motor Carrier Safety Administration, farm use vehicles are expected to be used within 150 miles of the farm. State law may specify a tighter area of operation. For example, in Virginia, unregistered farm use vehicles must operate within 75 miles of the farm.
How much does farm truck insurance cost?
The cost of insuring commercial vehicles is different for every farmer. Farm truck insurance can be cheaper than other kinds of truck insurance, depending on how often you drive and how far you go.
How much you pay for farm truck insurance depends on many factors, including your location, driving and claims history, and vehicle type.
Talk to our experts about available truck insurance discounts and find the right coverage for your farm vehicles at competitive rates.
How do I get agricultural vehicle insurance?
Getting insured is a simple process. Start with a farm truck insurance quote from Progressive Commercial. You'll need the following information:
- Make, model, and year of the vehicles you want to insure
- Vehicle identification numbers (VINs)
- Annual mileage estimates
- Driver details
You can customize coverages based on your specific needs. Apply online or talk to one of our insurance experts for help finding the right farm truck insurance for your business.
Vehicle types
Many different vehicles contribute to a successful agricultural business. Farm use vehicle insurance covers those that generally don't leave the farm, such as:
- Pickup truck insurance
- Trailer insurance
- Horse trailer insurance
- Box truck
- Farm semi truck insurance
- Farm dump truck insurance
No matter what vehicles you use on your farm, we can help keep them safe. Contact our team of experts and get a quote for a customized policy that keeps your business running smoothly.
