Yes, Farmers Insurance does offer auto insurance, and it includes policies designed specifically for farmers and rural drivers. These plans cover personal vehicles, farm‑related equipment, and business‑use trucks, with options for liability, collision, comprehensive, and farm‑specific endorsements.
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Standard Coverage Options
Farmers provides the typical auto insurance components that apply to any driver, such as:
- Liability protection for bodily injury and property damage.
- Collision coverage for damage to the insured vehicle.
- Comprehensive coverage for non‑collision events like theft or weather.
- Medical payments and uninsured/underinsured motorist coverage.
Farm‑Specific Endorsements
To address the unique risks of agricultural work, Farmers offers add‑ons that can be attached to a standard auto policy:
- Farm Equipment Coverage – protects tractors, harvesters, and other farm machinery when they are driven on public roads.
- Business Use Endorsement – extends liability limits for vehicles used for farm business purposes.
- Agri‑Accident Discount – reduced rates for drivers with a clean safety record on farm roads.
Eligibility and Requirements
Eligibility is based on standard underwriting criteria: a valid driver's license, a clean driving record, and proof of ownership or lease of the vehicle. Farmers may request proof that a vehicle is used for farm activities, such as a farm operation affidavit.
Pricing Considerations
Premiums depend on typical factors—vehicle type, driving history, location, and coverage limits—but farm‑related discounts can lower costs. Bundling auto with other Farmers policies (home, farm liability, or life insurance) often yields additional savings.
How to Obtain Coverage
Interested drivers can contact a local Farmers agent, use the online quote tool, or call the customer service line. An agent will assess farm usage, recommend appropriate endorsements, and provide a customized quote.