From feed-hauling pickups to tractors and grain trucks, our flexible policies keep your operation moving, backed by local agents who live rural life right alongside you and can customize a solution to fit your farm and ranch budget.
How Much Farm Auto Insurance Coverage Do I Need?
Start with liability that matches—or exceeds—the value of your acreage and equipment, then add physical-damage and specialty options for each vehicle. Your OKFB Agent will walk you through real-world scenarios so you buy only the protection that makes sense for your budget and risk.
Farm Auto Insurance Coverage Options & Features
Farm Auto Liability Coverage
Liability coverage helps protect you financially in the event of a liability claim or lawsuit due to bodily injury or property damage caused by your covered farm vehicle by you or other covered drivers.
Medical Payments Coverage
Medical Payments Coverage pays for certain expenses related to injury or death that you or others sustain when entering, exiting or otherwise occupying your farm vehicle, regardless of fault.
Uninsured Motorists Coverage
Uninsured Motorist Coverage will pay for bodily injury sustained by you or other passengers in your farm vehicle when the injury is caused by someone else driving a car that is not covered or does not have adequate liability coverage.
Comprehensive Coverage
Comprehensive Coverage will pay for damage to your farm vehicle by other incidents not related to a collision. Incidents that are covered include but are not limited to: hail, theft, fire and vandalism, across your entire fleet of agricultural vehicles.
Collision Coverage
Collision insurance covers damages to your farm truck or utility vehicle caused by a collision with another car or object.
Additional Transportation Expenses Coverage
Additional Transportation Expenses Coverage† pays a limited amount of rental expenses if a substitute vehicle must be rented when a vehicle you own cannot be used due to a covered loss.
Transportation coverage also pays a limited number of expenses if a vehicle covered under collision or comprehensive coverage becomes disabled more than 50 miles from your residence due to a loss. Coverage for meals and lodging may also apply.
†Policyholders must have a comprehensive or collision policy through OKFB to be eligible for Additional Transportation Expenses Coverage.
Roadside Assistance Insurance
Roadside Assistance* pays for a limited amount of costs associated with towing your disabled farm vehicle. Additionally, other services needed like gas for an empty tank, battery jumping and changing a flat may be covered.
*Roadside Assistance repair costs are covered only when repairs take place at the location where the farm vehicle is disabled. Coverage for these on-site repairs only applies when performed by an authorized business
Farm Auto Credits & Discounts
We offer a range of premium discounts to farm auto policyholders who qualify under the programs listed below.
Defensive Discount
Those who complete a minimum six hour accident prevention course approved by the Oklahoma Department of Public Safety may be eligible for this discount. Approved courses are often offered through your county Farm Bureau.
Multi-Vehicle Discount
A multi-vehicle membership discount may apply when two or more vehicles are insured with OKFB.
Scholastic Discount
This discount applies to specific auto coverages for classroom academic excellence to eligible full-time students who meet specified requirements.
Companion Umbrella Discount
Policyholder has an active or farm umbrella policy with the company.
Companion Home Discount
Policyholder has an active owner occupied property policy with the company.
Approved Grill Guard
Trucks with a qualifying grill guard may qualify for a discount on collision coverage.
