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Do you need tractor insurance?
I'm a new tractor owner and wondering if I need to purchase insurance. Is it illegal to not have it?
Sophie Newman · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“When purchasing new vehicles or equipment, it’s always good to consider how you can protect it. While you can legally operate a tractor without insurance, it is beneficial to have.
If you’ve invested a significant chunk of money in a tractor, then it’s probably worth it to know your tractor has protection from a variety of perils. Common coverages in a tractor policy are:
Many companies also offer full replacement cost and equipment coverage.
Deciding whether you need tractor insurance is a personal choice, but having a policy can protect you and your business in the future.
A variety of companies offer tractor insurance including:
To decide whether it’s worth the cost, you can shop around with various companies. If you currently have car insurance, you may want to see whether your company also offers tractor insurance. You can often get a discount by bundling policies together.
If your current company doesn’t have what you need, continue to look around. You can text the agents at
Jerry
through the app. They can provide you with competitive quotes in under a minute. Swapping is just as effortless. Jerry takes care of all the paperwork and phone calls and even cancels your old policy on your behalf—oh, and it’s free!”View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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