Tractor insurance cost in the UK typically ranges from £150 to over £1,000 per year. The exact price depends on your tractor's value, how you use it, and the level of cover you need.
Get a personalised quote to find out exactly how much is tractor insurance for your specific situation.
Get Your Personalised QuoteHere's a guide to typical tractor insurance prices based on use type. These are indicative costs - your actual premium depends on individual factors.
How much is tractor insurance UK for different tractor values? Here's a breakdown assuming comprehensive cover for farm use.
| Tractor Value | Typical Annual Premium | Example Tractors |
|---|---|---|
| Under £5,000 | £100-£200 | Older compact tractors, vintage models |
| £5,000 - £15,000 | £150-£300 | Used Kubota, older Massey Ferguson |
| £15,000 - £30,000 | £250-£400 | Mid-range Kubota, used New Holland |
| £30,000 - £50,000 | £350-£550 | New compact tractors, used John Deere |
| £50,000 - £80,000 | £450-£700 | Mid-range John Deere, New Holland, Fendt |
| £80,000 - £120,000 | £600-£900 | Large John Deere, Case IH, Fendt |
| Over £120,000 | £800-£1,500+ | Premium Fendt, large Case IH, Claas |
Understanding what influences tractor insurance prices helps you find ways to reduce your premium.
The most significant factor. A £10,000 compact tractor costs less to insure than a £150,000 modern John Deere.
Smallholder/hobby use is cheapest. Agricultural contractors face higher premiums due to increased risk.
Tractors used extensively on public roads cost more. Declare if you travel more than 100 road miles per year.
Comprehensive costs more than Third Party Fire & Theft. TPO is cheapest but offers minimal protection.
Locked building storage, trackers, and immobilisers can reduce premiums by 5-15%.
Rural areas with low crime rates may have lower premiums than high-theft areas.
A clean record helps. Some insurers offer no-claims discounts for tractors.
Young or inexperienced operators may face higher premiums.
Tips to reduce your tractor insurance cost without compromising on cover.
Don't accept the first quote. Use our comparison tool to get multiple tractor insurance quotes and find the best deal.
Store your tractor in a locked building. Fit an approved tracker or immobiliser. Some insurers offer up to 15% discount for good security.
A higher voluntary excess (the amount you pay in a claim) can reduce your premium. Only do this if you can afford the excess.
Monthly payments usually include interest. Paying annually upfront can save 10-15% on your total premium.
If possible, keep road miles under 100 per year. Heavy road use increases premiums significantly.
If you have multiple tractors or farm vehicles, fleet insurance may offer better value than insuring each separately.
Get a personalised quote to find out exactly how much is tractor insurance for your specific situation. Compare prices and save.
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