Car insurance for farmers: Rates and discounts

How much is car insurance for farmers?

The average cost of car insurance for farmers is $2,288 annually, but cheaper rates are available. Grange Insurance has the cheapest rates for farmers at $1,429, but it is only available in 13 states.

Your occupation may affect car insurance costs, with low rates or additional discounts. Since insurance rates vary significantly by state and company, farmers can find cheap car insurance by comparing rates from multiple companies.

Car insurance cost for farmers
Average annual premium	Average monthly premium
$2,288	$190

Average car insurance cost for farmers by company

Grange Insurance offers the lowest car insurance rates for farmers at an average of $1,429 a year, while Safeway Insurance has the highest at an average of $3,321. Car insurance rates for farmers vary between companies. Each insurer has its own formula for calculating risk, so rates can vary significantly.

This table shows the average car insurance rates for farmers by insurer.

Car insurance cost for farmers by company
Company	Average base rate	Average rate for farmers	Dollar difference	Percentage difference
Auto Club Group (AAA)	$1,834	$1,817	$17	1%
Country Financial	$2,298	$2,256	$42	2%
Farmers	$3,207	$3,184	$23	1%
GEICO	$2,159	$2,013	$146	7%
Grange Insurance	$1,512	$1,429	$83	5%
Mercury Insurance	$3,107	$2,961	$146	5%
Progressive	$2,569	$2,206	$363	14%
Safeway Insurance	$3,843	$3,321	$522	14%
Western National Insurance	$2,928	$2,826	$102	3%

Car insurance cost for farmers by state

Car insurance for farmers ranges from an average of $1,482 per year in Maine to $3,401 in Louisiana. State insurance requirements and local risk factors affect premiums. Some states also restrict the use of occupation in rate calculations, which affects the availability of profession-based discounts.

The table below shows the average cost of car insurance for farmers by state.

Car insurance cost for farmers by state
State	Average base rate	Average rate for farmers	Dollar difference	Percentage difference
Alabama	$2,116	$1,954	$162	8%
Alaska	$2,167	$1,875	$292	13%
Arizona	$2,420	$2,242	$178	7%
Arkansas	$2,942	$2,797	$145	5%
Colorado	$3,181	$2,608	$573	18%
Connecticut	$2,742	$2,359	$383	14%
Delaware	$3,157	$2,691	$466	15%
Florida	$3,916	$3,392	$524	13%
Georgia	$2,503	$2,376	$127	5%
Hawaii	$1,757	$1,744	$13	1%
Illinois	$1,938	$1,801	$137	7%
Indiana	$1,894	$1,586	$308	16%
Iowa	$2,460	$2,114	$346	14%
Kentucky	$2,624	$2,502	$122	5%
Louisiana	$3,999	$3,401	$598	15%
Maine	$1,808	$1,482	$326	18%
Minnesota	$2,591	$2,566	$25	1%
Mississippi	$2,397	$1,841	$556	23%
Montana	$2,476	$2,187	$289	12%
Nebraska	$2,095	$1,889	$206	10%
Nevada	$3,963	$3,534	$429	11%
New Hampshire	$1,689	$1,465	$224	13%
New Jersey	$3,122	$2,684	$438	14%
New Mexico	$2,577	$2,324	$253	10%
North Carolina	$2,638	$2,397	$241	9%
North Dakota	$2,439	$2,154	$285	12%
Ohio	$1,783	$1,685	$98	5%
Oklahoma	$2,993	$2,899	$94	3%
Oregon	$2,048	$1,875	$173	8%
Pennsylvania	$2,327	$1,934	$393	17%
Rhode Island	$2,878	$2,403	$475	16%
South Dakota	$2,417	$2,126	$291	12%
Tennessee	$2,235	$1,927	$308	14%
Texas	$3,106	$2,655	$451	15%
Utah	$2,356	$2,139	$217	9%
Virginia	$1,835	$1,493	$342	19%
West Virginia	$2,415	$2,222	$193	8%

On average, you can save 12% with a car insurance discount for farmers. However, the amount of savings may vary by insurer.

Some carriers offer car insurance discounts based on a driver’s occupation. Because each car insurance company offers different discounts, finding savings based on your profession may be challenging.

Car insurance discounts for farmers
Premium before discount	Premium after discount	Dollar savings	Percentage savings
$2,578	$2,288	$290	11%

How to get cheap car insurance as a farmer

Farmers looking for affordable car insurance should compare quotes from several insurers, ask about occupation-based discounts, and check savings for safe driving or bundling policies. Choosing appropriate coverage limits and deductibles also helps control premiums without sacrificing needed protection.

“Educators and the military are the most common, but you can find a company that discounts for almost any field, though it doesn't mean that it'll add up to a meaningful amount,” says Zack Pope, agency manager at David Pope Insurance in Union, Missouri. “Some states also do not allow for rating on job fields because of ethics. We have several companies that just ask if the person is employed or not.”

Fortunately, there are other ways to save on car insurance besides lower rates and discounts for your profession.

First, check for other car insurance discounts you may be eligible for. For example, you may qualify for savings such as safe driver, multi-policy, and paying your premium in full. Most insurers allow you to stack discounts for the most significant savings.

Next, consider joining a professional organization. Some insurers, such as GEICO, offer discounts to drivers who are members of specific organizations.

Additionally, your personal factors affect car insurance rates. Consider adjusting coverage limits and deductibles to lower rates. Maintaining a clean driving record and a high credit score can also help you save on car insurance.

Finally, compare rates from multiple companies to find the cheapest car insurance for farmers. Consider rates, discounts, and coverage to find the best insurer for your needs.