Insurance for Farm Vehicles

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Day in and day out, your farm vehicles keep your operation moving. But what happens if breakdowns, accidents, or theft bring things to a halt? This is where farm vehicle insurance can step in to help.

What are farm vehicles?

Farm vehicles include vehicles used to assist with farming activities such as planting, harvesting, or transporting crops or livestock. Examples of farm vehicles can include farm trucks, pick-ups, vans, ATVs, and more. Farm vehicles are typically used on private property, but when they hit public roads, it is important to understand your insurance options.

What does insurance for farm vehicles cover?

Like auto insurance, insurance for farm vehicles can vary, but here are the key types of coverage:

  • Liability coverage protects you if your farm vehicle causes bodily injury to someone else or damages their property. Most states require this type of coverage.
  • Collision coverage covers repairs to your farm vehicle if it is damaged in an accident that is your fault, regardless of if it occurs on your property or while driving on public roads.
  • Comprehensive coverage protects you from paying for damage to your farm vehicle caused by events other than collisions, such as theft, vandalism, fire, or natural disaster.
  • Uninsured and underinsured motorist coverage protects you and your passengers if your farm vehicle is hit by someone without any or insufficient insurance.

How much does insurance for farm vehicles cost?

The cost of farm vehicle insurance depends on several factors. The type of coverage, the vehicle you have and how you use it can impact the cost. For example, vehicles primarily used on private property may cost less to insure compared to those who frequently drive on public roads. The value of your vehicle and where you live can also affect how much it costs.

Let’s talk

Insurance for your farm vehicles ensures that your farm can get back on track quickly when accidents happen. Don’t wait until the unexpected happens—protect your farm vehicles today by contacting one of our experienced Avery Hall agents at 410-742-5111 for a free consultation.


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