Car Insurance for Farm Managers and Owners
A farm manager, owner, or professional homesteader who uses a vehicle for work will need to buy commercial auto insurance. Most major insurance companies offer commercial policies so you can be protected whenever you're working. While commercial rates tend to be higher, most companies offer a wide range of discounts. You can compare quotes online to find the best rates for you.
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Written by
Chris Tepedino
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Reviewed by
Laura Walker
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UPDATED: Jul 21, 2021
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- Commercial car insurance policies can keep a farm manager/owner protected while driving a vehicle for work
- Most major insurance companies offer commercial insurance
- Taking advantage of discounts can help lower rates for commercial policies
If you’re a farm manager, owner, or homesteader you need to have the right car insurance coverage that will keep you working the land no matter what comes your way.
While you will have to do some research on which insurance company has the best coverage for you, luckily, you can find free insurance quotes online.
As you begin your search for the best options, you’ll be able to find customizable and affordable car insurance for a farm manager, owner, or homesteader that provides coverage for all types of farm vehicles.
Enter your ZIP code to receive free quotes from insurance companies near you.
Table of Contents
What type of auto insurance do I need as a farm manager, owner?
Car insurance for farm managers is not always uniform. Depending on what type of farm vehicle you drive, the kind of car insurance you need may vary. Now, the most likely scenario is that you own at least one personal vehicle that is used for day-to-day errands.
If you don’t use this vehicle for any work purposes, you’ll just need a standard car insurance policy and won’t need to find specific farm manager/owner car insurance quotes.
Of course, if you use that vehicle for any farm-related traveling, you will need to purchase a commercial or business-use auto insurance policy. If there are any vehicles you have that are strictly for farm usage, you should have these covered as well by a commercial policy.
As the National Association of Insurance Commissioners (NAIC) reports, commercial policies tend to have higher liability limits than personal policies, so if you’re surprised by the increase in pricing, bear in mind that you’ll be getting a higher amount of coverage.
If you want the best deal as a farm manager/owner, then you should research car insurance rates and coverage types to find the best insurance company for you.
Below, you can take a look at some of the average rates based on coverage level. This will help you get an idea of what you could pay for your insurance.
| Type of Auto Insurance Coverage | Sample Monthly Rates from Progressive | Sample of Monthly Rate Increase (Compared to a Personal Policy Alone) |
|---|---|---|
| Personal Auto Insurance (No Delivery) | $105.83 | N/A |
| Personal Auto Insurance (Delivery) | No Coverage Available | No Coverage Available |
| Business + Personal Auto Insurance | $296.83 | 180.47% |
| Commercial Auto Insurance | $273.08 | 158.03% |
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If you as a farm manger/owner buy car insurance, be sure to purchase a commercial policy for your farming vehicles.
Commercial policies keep you protected if you are in an accident while driving for a work-related errand like selling stock, picking up feed, or meeting with new customers. You should make sure that every vehicle you own is protected.
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What is the best auto insurance company for farm managers and owners?
Car insurance for farm owners can be acquired quite easily. Most major insurance companies have commercial policies available to cover your farm vehicles, but the rates from one company to the next could vary drastically.
A car insurance company for a farm manager, owner, or professional homesteader will use a multitude of factors to determine your risk level. An insurance company will take a look at the following information before assigning you a risk level:
- Your age
- Your driving record
- Your credit score
- Where you live
- Your annual mileage
- Your education
- Your claims history
Now, GEICO and Progressive are both excellent choices when looking for affordable base rates for personal or commercial policies. These companies also have quite a lot of discounts that you can take advantage of.
You can take a look at some discounts from Progressive for more understanding of how you can lower your rates for a commercial or business-use auto insurance policy for farm managers and owners.
| Discount Name | Average Discount | Details |
|---|---|---|
| Automatic Payment | Varies | If you set up automatic payments from a checking account to pay for your policy (you cannot combine the automatic payment and pay in full discounts) |
| Continuous Insurance | Varies | If you switch to Progressive from another insurer, you won't lose any longevity benefits (the discount value will depend on how long you've been consistently insured with no gaps or cancellations) |
| Good Student | Varies | If you have a student on your policy who maintains a "B" average or better (this discount also applies to college students, students that are more than 100 miles from your residence, or if the student is 22-years old, or younger) |
| Homeowner | Nearly 10% | If you own a home (even if it is not insured through Progressive's network) |
| Multi-Car | 12% | If you have more than one vehicle listed on your policy |
| Multi-Policy | 5% | If you have two or more policies with Progressive (for example: if you were to have both an auto and homeowners policy with Progressive) |
| Online Quote | 4% | If you get your policy quote online (or if you start your quote online and a licensed Progressive representative finishes it for you over the phone) |
| Paperless | Varies | If you opt to receive your documents via email (dependent on signing your documents online, and is an addition to the sign online discount) |
| Pay in Full | Varies | If you pay for your six month policy in advance before they become due |
| Safe Driver | 31% | If you have had no accidents/traffic violations in the past three years |
| Sign Online | Nearly 8.5% | If you sign your documents online |
| Snapshot Program | $145 | The Snapshot program personalizes your rate based on your driving behavior |
| Teen Driver | Varies | If you're adding a teen driver to your policy |
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Car Insurance for Farm Managers, Owners: The Bottom Line
Car insurance for farm workers may come with a higher price tag, but it is worth purchasing so you can be protected whenever you are driving for work. You can find the best rates by comparing quotes from a range of insurance companies.
Enter your ZIP code today for free insurance quotes from nearby companies.