Auto

Products Designed for Farmers




Cloud Package Discounts Save money with our competitive policy bundling discounts that apply when combining our Farm & Ranch products and/or our Crop Hail insurance. Contact your agent to learn more about how you can save.

Policy Options

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Personal Auto

Farmers Mutual Hail Personal Automobile coverage offers premier protection for both your family and your vehicle. From pick-up trucks to commuter cars to SUVs, FMH can insure and protect the investment you have made in your personal vehicle.

Personal Automobile insurance protects you by providing liability, medical, uninsured, and underinsured motorist coverage if you are involved in an automobile accident. Liability limits up to $500,000 are available. You may also elect Collision and Other than Collision coverage to protect your vehicle.

Farmers Mutual Hail Personal Auto policies cover any car used solely for personal transportation. Any vehicles that weigh more than 10,000 lbs. and are used to transport goods and materials are not covered.


Availability
AR, IA, IL, IN, MN, MO, NE, SD, WI  

How Does It Work?

Personal auto premiums are based in part on the kind of car you drive, where you live, and who primarily operates the vehicle. Collision, Liability, and Comprehensive coverages are also available. Special limits and exceptions apply, so please ask your agent for more details.

Auto Coverages

  • Collision
  • ​Liability
  • ​Comprehensive

 

What are the benefits?

FMH auto coverage plans are designed to be flexible enough to suit the unique needs of our policyholders' farming operations, ranches, and other rural homes and businesses. We also offer competitive policy bundling discounts that apply to our Farm & Ranch products, so contact your agent to find out if you can receive a Cloud Discount by packaging your FMH insurance products.

PRODUCT BROCHURE
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Farm Trucks

We know that your farm trucks serve as more than just transportation. From hauling grain into town to performing routine maintenance around your property, you couldn’t get any of the heavy lifting done without your farm vehicles.
 
Farmers Mutual Hail Farm Truck policies cover any truck that is owned by a farmer, carries a farm license, and is used exclusively for farm purposes. FMH policies also cover utility trailers and tractor-trailers, though the premium may be different.

 

Availability
AR, IA, IL, IN, MN, MO, NE, SD, WI  

How Does It Work?

Farm Truck coverage works similarly to Personal Auto coverage with Collision, Liability, and Vehicle coverages available, along with many customized policy types to fit your needs. Premiums are based on the specifications of the truck, its use, and its location. Your agent can help you determine which program is the best fit for the type of truck you own and its use.
 
Special limits and exceptions apply, so please ask your agent for more details.

What are the benefits?
FMH auto coverage plans are designed to be flexible enough to suit the unique needs of our policyholders' farming operations, ranches, and other rural homes and businesses. We also offer competitive policy bundling discounts that apply to our Farm & Ranch products, so contact your agent to find out if you can receive a Cloud Discount by packaging your FMH insurance products.

PRODUCT BROCHURE
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Miscellaneous Vehicles

Your farm relies on many more vehicles than just cars and trucks. Whether you use your UTV to spray crops or drive a dune buggy to navigate your property, FMH has flexible policies to cover the miscellaneous vehicles that your farming operation needs.

Farmers Mutual Hail Miscellaneous Vehicles policies cover vehicles including:

  • ATVs
  • UTVs
  • Snowmobiles
  • Motorcycles
  • Dune buggies
  • Golf carts
  • And more

 

Availability
AR, IA, IL, IN, MN, MO, NE, SD, WI

How Does It Work?
FMH Miscellaneous Vehicles coverage offers Liability Coverage, Medical Payments Coverage, and coverage for damage to your miscellaneous vehicle.
 
Special limits and exceptions apply, so please ask your agent for more details.

What are the benefits?
FMH auto coverage plans are designed to be flexible enough to suit the unique needs of our policyholders' farming operations, ranches, and other rural homes and businesses. We also offer competitive policy bundling discounts that apply to our Farm & Ranch products, so contact your agent to find out if you can receive a Cloud Discount by packaging your FMH insurance products.
PRODUCT BROCHURE