This policy covers your tractor. Not your farm.
What Progressive's compact tractor coverage actually includes, the $3,000 of implement coverage that comes free, why partial losses aren't depreciated, and the eligibility line that catches Northwest Arkansas acreage owners who never thought of themselves as farmers — from an independent agency that writes both sides of it.
The short answer
Progressive writes a standalone compact tractor policy for property owners who mow, haul, plow and till their own place. Liability is included on every policy; comprehensive and collision are optional and carry a deductible. Add comprehensive and $3,000 of accessory and implement coverage comes with it, depreciation free, with up to $30,000 available. Arkansas doesn't require the policy — your lender might. And it is not eligible for professional farming use. Cribb Insurance Group places it as an independent agency.
The thing that decides everything else.
Before coverage, before price, before anything: what do you actually do with the tractor? Progressive's answer to that question determines whether this policy is available to you at all.
Progressive states it plainly on its own compact tractor materials: compact tractors used for professional farming aren't eligible for coverage. This is a personal lines product. It is built for the person with acreage who keeps a Kubota in the barn to mow the pasture, move gravel, pull stumps, and grade the driveway.
That sounds like a clean line. In Benton and Washington County, it isn't.
Northwest Arkansas is full of people who don't think of themselves as farmers.
Ten acres outside Centerton. A few head of cattle. Selling hay off the back field a couple times a year. Bush-hogging a neighbor's lot for gas money. Running a produce stand on Saturdays. A Schedule F that exists mostly because an accountant suggested it.
None of those people would call themselves professional farmers. Some of them may be, for purposes of this policy. And here's the honest part: neither Progressive's public materials nor its agent reference card defines where hobby ends and professional farming begins.
So we're not going to invent a line for you. No revenue threshold, no acreage test, no "if you file a Schedule F" rule — because none of those exist in the source material, and a made-up threshold on a website is worse than no threshold at all. What we'll do instead is ask you what you actually do with the machine, and get a real answer before there's a claim rather than after.
If you're on the wrong side of it, that's not a decline. It's a different desk.
An agency with one market has to tell you no. We're independent, and we write commercial and farm coverage as well as personal lines — so if the conversation reveals that your operation has outgrown a personal tractor policy, the answer isn't "sorry." The answer is that you were about to buy the wrong product and now you won't.
Start a commercial quote here, or just call and describe the place — that's faster.
Arkansas doesn't require it. Read your loan.
Compact tractors aren't street vehicles, so no state insurance mandate reaches them. That fact is where most owners stop reading — and it's not where the requirement usually comes from.
The requirement is in your paperwork, not the statute.
Progressive notes it directly: if you're leasing or financing your tractor, your lender may require coverage against physical damage. Given how these machines are actually bought around here — dealer financing at zero percent for sixty months, on a machine that stickers north of $30,000 with a loader on it — that clause reaches a lot of people who never read it.
Two things follow. First, go find the loan or lease document and see what it actually says, because "the state doesn't require it" is not an answer your lienholder accepts. Second, if you own the tractor outright, the decision is genuinely yours — and it comes down to what it would cost you to replace the machine and the implements on a bad day.
Which is a real number, and usually a bigger one than people expect.
What's on the policy.
Progressive writes compact tractors as a standalone policy — coverage on and off your property, not an endorsement bolted onto your homeowners.
| Coverage | What it does | Note |
|---|---|---|
| Bodily Injury & Property Damage Liability | Covers you, up to your limit, if you're liable for someone else's injuries or damage while operating the tractor. | Included on all compact tractor policies. |
| Comprehensive | Pays to repair or replace the tractor if it's vandalized or stolen, plus fire, weather, and collisions with animals. | A deductible applies. Raising it lowers your premium. |
| Collision | Pays to repair or replace the tractor if it's damaged in an accident, regardless of who's at fault. | A deductible applies. |
| Accessories & Custom Parts Equipment | Covers accessories, customizations, and equipment. | $3,000 automatically with comprehensive; up to $30,000 available. See below. |
| Medical Payments | Covers hospital bills after a compact tractor accident regardless of fault. | Available up to $25,000. Progressive notes this is especially valuable if you don't carry health insurance. |
Count the implements before you assume $3,000 is enough.
Add comprehensive and $3,000 of accessory, customization and equipment coverage comes with the policy for no extra premium — and no depreciation is factored in when you claim on it. You can purchase up to $30,000 in additional accessory and equipment coverage.
Progressive's own instruction is to get an itemized list of accessories and prices, and it's the single most useful thing on this page. Walk the barn and add it up honestly: front-end loader, box blade, bush hog, grapple, pallet forks, quick-attach plate, rear blade, post-hole auger, tiller. On a lot of Northwest Arkansas places the implements are worth more than the gap the owner thinks they have — and $3,000 is gone before you've finished the list.
Partial losses aren't depreciated. That's the sentence worth reading twice.
Progressive's recreational products materials state it without qualification: Progressive does not take a deduction for depreciation on partial losses, and will return vehicles to their pre-accident condition or better.
For a machine that lives outside and works for a living, this is the coverage question that actually matters. Most tractor damage isn't a total loss — it's a bent loader arm, a cracked hood, a hydraulic line torn open on a stump. Depreciation is precisely what guts those claims, and this program doesn't apply it.
Worth asking about by name.
Progressive writes compact tractors on the same recreational program as its motorcycle and off-road products. These features live on that program — ask us which attach to your policy, because we'd rather confirm it than assume it for you.
Transport Trailer coverage
Coverage for the trailer you haul the tractor on. Worth knowing, because — as our auto page explains at length — Progressive no longer puts utility trailers on a personal auto policy at all. The trailer has to land somewhere.
What's riding with you
Pays for your owned personal property — hunting or camping gear, for instance — that's stolen from an insured vehicle or damaged during an accident.
Disappearing Deductibles
Your deductible is reduced by 25% following each claim-free policy period. How it attaches depends on the loss settlement selected on your policy — that's a question for us, not a website.
Two forgiveness features, and one of them has a real number attached.
Accident Forgiveness — at renewal, customers aren't charged for an at-fault accident, subject to the product's terms.
Small Claims Forgiveness — all claims where Progressive's total payout was $500 or less are waived at renewal. On a tractor policy that's a genuinely useful backstop, because a lot of what happens to these machines is exactly that size.
Roadside Assistance is on the program 24 hours a day, seven days a week — and it's available on Liability Only policies, which is unusual and worth knowing if you're only carrying liability.
What Progressive won't write, and what you'll need.
- Professional farming use isn't eligible. Covered above, and it's the one that matters.
- Model years before 2010 aren't eligible. If you're running a good older machine — and plenty of people around here are, deliberately — this program isn't the answer. Call us; that's a different market, not a dead end.
- You need the serial identification number to start the policy. Year, make and model will get you an accurate quote, but the serial number is what actually binds it. On most compact tractors it's on a plate on the frame near the operator platform or under the seat.
Common makes on the program include John Deere, Kubota, Bobcat (Kioti), TYN, and Mahindra — which covers most of what's parked in barns between Gravette and Siloam Springs.
Before you assume your homeowners policy has this.
Homeowners policies vary widely in how they treat motorized equipment, and the coverage is usually narrower than owners assume — limited while the machine is away from the residence, subject to a sublimit, or excluded for liability arising out of certain uses. A compact tractor with a loader on the front is a serious piece of machinery, and the exposure isn't only the tractor itself.
Don't guess at it and don't take our word for it either. Upload your declarations page and we'll read you the actual language.
The discounts — without invented numbers.
Progressive applies these automatically if you qualify. Availability varies by state and situation.
| Discount | How you get it |
|---|---|
| Responsible Driver | When none of the listed operators has a driving record surcharge on the policy. Note this looks at your driving record — the tractor doesn't have one. |
| Multi Policy | When you have another policy in force with Progressive — auto, boat, motorcycle, manufactured home, motor home, snowmobile, travel trailer, or commercial auto. |
| Homeowner | When you own a home. It does not have to be insured with Progressive. |
| Advance Quote | When you start the quote at least one day before the policy begins. The discount varies with how far ahead you quote. |
| Paid In Full | When you pay 100% of the premium at the point of sale. |
| Transfer | At new business, when prior insurance qualifies as continuous. |
| EFT / Automatic Card Payment | When payments are automatically deducted from your bank account, or when you use a card for all payments on an ACP bill plan. |
| Prompt Payment | Applied to new business, and to renewals in effect at least 12 continuous months with no late fees or NSF. |
| Claim Free Renewal | At renewal, when no at-fault or comprehensive claims of $1,000 or more were filed in the previous policy period. |
| Association | For active members of select associations. Worth asking about — it's the one nobody thinks to mention. |
Why there are no percentages on this page.
Our Progressive auto page lists Arkansas discount percentages with real numbers, because Progressive publishes an Arkansas auto discount schedule. Those are auto figures. They don't describe this line, and we're not going to borrow them.
There is no published Arkansas percentage schedule for the recreational program. Rather than dress up a number that doesn't exist, we'll quote it and tell you what it actually came out to. And one caveat Progressive states that most agencies won't repeat: discounts don't apply to policies already sitting at the minimum written premium. On a small tractor policy, that's a live possibility — meaning the discount list can be longer than the discount.
Who's behind the policy.
On May 1, 2026, AM Best affirmed the Financial Strength Rating of A+ (Superior) and the Long-Term Issuer Credit Rating of aa for the members of The Progressive Corporation, with a stable outlook. Financial strength answers one narrow question — whether a carrier can pay. Progressive can.
Progressive handles claims directly, 24/7, by phone, at progressive.com, or in the mobile app.
Narrower than some agencies imply.
We do not adjust your claim and we cannot overrule an adjuster. We'd rather be straight about that than let you find out at the worst possible moment.
What we do: tell you whether a claim is worth filing before you file it, make sure the coverage that should respond is identified, chase the file when it stalls, and — if Progressive is no longer the right fit afterward — move you to one of our other markets without you starting over. That last one is the part a captive agent structurally cannot do.
The policies around this one.
Compact tractor questions.
Is compact tractor insurance required in Arkansas?
Not by the state. Progressive notes that tractor insurance isn't required by state law because compact tractors aren't street vehicles.
The requirement usually comes from somewhere else: if you're leasing or financing your tractor, your lender may require coverage against physical damage. That's the clause that actually drives most of these policies. Check your loan or lease documents rather than assuming, because the lender's requirement doesn't go away just because the state doesn't have one.
Can I insure a tractor I use for farming?
Not on this policy. Progressive states that compact tractors used for professional farming aren't eligible for coverage. This is a personal lines product built for property owners who mow, haul, plow and till their own place — not for agricultural operations.
Neither Progressive's public materials nor its agent reference card defines where hobby ends and professional farming begins, so we won't invent a line for you. What we will do is talk through what you actually do with the tractor. If it turns out you're on the wrong side of that line, we write commercial and farm coverage too, and we'd rather move you there now than discover it at a claim.
What does Progressive's accessory coverage include on a compact tractor?
Add comprehensive coverage to a Progressive compact tractor policy and $3,000 in coverage for accessories, customizations, and equipment comes with it at no extra premium. It's depreciation free — no depreciation is factored into the accessory's value when you file a claim. You can purchase up to $30,000 in additional accessory and equipment coverage.
Progressive's own guidance is to get an itemized list of accessories and prices, and that's good advice: a front-end loader, a box blade, a bush hog, a grapple and a quick-attach plate add up past $3,000 faster than most owners expect. The implements are frequently worth more than the gap you think you have.
Does Progressive depreciate a partial loss on a compact tractor?
No. Progressive's recreational products materials state it directly: Progressive does not take a deduction for depreciation on partial losses, and will return vehicles to their pre-accident condition or better.
For a machine that spends its life outdoors doing hard work, that matters — depreciation is exactly what hollows out partial-damage claims elsewhere. Note this is the partial loss rule. Ask us about total loss settlement on your specific policy rather than assuming the two work the same way.
What isn't eligible for a Progressive compact tractor policy?
Progressive states that compact tractors used for professional farming aren't eligible, and neither are model years before 2010. You'll want the year, make and model for an accurate quote, and you need the serial identification number to actually start the policy. Common makes on the program include John Deere, Kubota, Bobcat (Kioti), TYN and Mahindra.
If your tractor is older than 2010 or you're using it commercially, don't stop at a decline — call us, because those are both situations our other markets handle.
Does my homeowners policy already cover my compact tractor?
Usually not the way you'd want it to. Homeowners policies vary widely in how they treat motorized equipment, and coverage is often narrower than owners assume — limited while the machine is away from the residence, subject to a sublimit, or excluded for liability arising out of certain uses.
A compact tractor with a loader on it is a serious piece of machinery, and the exposure isn't only the tractor itself. Send us your declarations page and we'll read the actual language rather than guessing at it. That's a ten-minute conversation and it's free.
If our insurance guides and coverage comparisons are helpful, mark Cribb Insurance as a preferred source so more Northwest Arkansas families can find our local explanations.
Progressive is one of 40+ carriers we represent.
Which means the first question we ask isn't "what's your tractor worth." It's what you do with it — because that answer decides whether this is a personal policy, a farm policy, or a commercial one, and getting it wrong is the expensive mistake here. Tell us about the place. We'll tell you which desk you're actually at. And if what you have is already right, we'll tell you that too.
Cribb Insurance Group Inc. is an independent insurance agency licensed in Arkansas. We are not Progressive, and this page is not endorsed, sponsored, reviewed, or approved by Progressive. “Progressive,” “Carried Contents,” and related marks are trademarks of Progressive Casualty Insurance Company and its affiliates, used here nominatively to identify products we are appointed to place. Progressive compact tractor policies are issued by Progressive affiliates. John Deere, Kubota, Bobcat, Kioti, TYN and Mahindra are trademarks of their respective owners, are referenced only as examples of makes eligible for coverage, and no affiliation or endorsement is implied.
This page describes coverage in general terms for informational purposes only. It is not a policy, not an offer of insurance, and not a guarantee of coverage, availability, eligibility, or price. Coverage, discounts, program terms, eligibility and availability vary by state, by product, by policy, and over time, and are subject to underwriting approval and to the terms, conditions, limits, and exclusions of the policy actually issued. Not every feature available on Progressive's recreational program attaches to every product on that program. If anything on this page conflicts with the issued policy, the policy controls.
Eligibility statements on this page reflect Progressive's published product materials. Progressive states that compact tractors used for professional farming are not eligible for this product; that determination is Progressive's to make on the facts of your operation, and nothing on this page establishes, defines, or promises how any particular use will be classified. Statements about lender requirements are general information — your obligations are governed by your loan or lease documents, not by this page.
Financial strength ratings are opinions of an insurer's ability to meet its ongoing insurance obligations, are subject to change, are not recommendations to purchase, hold or terminate any policy, and do not address an insurer's claims-handling practices; current ratings are at ambest.com. Rates and premiums are not quoted on this page; your premium depends on your tractor, coverage selections, limits, deductibles, location, and other factors. Statements about Arkansas law are general information, not legal advice.
Last reviewed July 2026.