Do Farm Vehicles Need Insurance?

Most people who own and operate a farm or ranch have a vehicle that they primarily use for farming or ranching — a pickup truck, van, or farm truck (weighing one ton or more) and trailer. If that’s you, you may be wondering whether you need farm vehicle insurance.

The answer is almost certainly yes. If the vehicle you use for farming or ranching enters a public roadway, it may need to have auto insurance coverage. Agricultural vehicle insurance includes several types of coverage designed to help protect your vehicles and operation. While the coverage options you choose generally impact the insurance premiums you pay, the cost of your policy can also vary based on factors such as how the vehicle is used, where it is driven, and other details unique to your operation. 

Understanding what each type of coverage offers can help you determine the protection that best fits your needs. Here are the most common types of farm vehicle insurance and why you might need them. To speak to a professional about which coverage best fits your needs, reach out to Farm Bureau. 

Types of Farm Vehicle Insurance Coverage

Liability

Of course, you hope that your farm or ranch vehicle is never involved in an accident, but it’s impossible to predict or prevent all incidents from occurring. Liability coverage helps protect you and your operation if your vehicle is in an accident, and someone is hurt or you damage their property. Liability coverage includes protection for bodily injury, which can help cover medical expenses and other costs associated with injuries to others, as well as property damage, which can help pay for the damage to someone else’s vehicle or other property. Coverage is provided up to the limits selected on your policy. 

Medical or No-Fault Coverage

Medical or no-fault coverage can also help cover you and your passengers’ medical expenses in the case of an unfortunate accident regardless of who is responsible for the accident but note that this type of coverage varies by state. Reach out to Farm Bureau and talk to an agent about the laws in your state to get more information about what kind of coverage is available to you. 

Comprehensive Coverage 

As the name suggests, comprehensive coverage covers a variety of incidents and situations. Comprehensive coverage may pay for damage to your insured farm vehicle due to causes other than collision, including fire, theft, vandalism and malicious mischief. When you carry comprehensive coverage on your auto policy, you know you’ll have protection for these types of losses.

Collision

Even careful drivers can be hit or run into unexpected problems while driving — and that can create damage to your vehicle. Collision coverage pays for damage to your insured farm vehicle or trailer caused by an accidental collision or overturning of the vehicle.

Uninsured and Underinsured

Sometimes the problem is other drivers. If you carry uninsured and underinsured motor vehicle insurance, you and your passengers will be covered for bodily injuries caused by other drivers who do not have any auto insurance or who have an inadequate amount of insurance.

We're Here to Help

Accidents can’t be predicted, which means you need to make sure you have the proper coverage. Schedule a SuperCheck® with your Farm Bureau insurance agent to be sure you have the protection you need.