Car Hauler Trailer Insurance

Car Hauler Trailer Insurance

Personal vs. Commercial Use

Car hauler trailer insurance can be for both personal and commercial use. You may own a trailer to haul your extra car to your lake home or campsite. Or, you may have a car hauler business that requires you to own a specialized trailer.

If your uses are purely personal, then you are not required to own any insurance, but it’s always a good idea to have some protection just in case.

For commercial uses, there are laws in place requiring some coverage and be registered with the state department of motor vehicles. The type and amount of coverage can vary from state to state, so contacting your local independent insurance agent will help you to get the information that you need.

Owning a Vehicle-Hauling Business

Starting your own vehicle-hauling business can be a lucrative career. Many different industries depend upon operations like yours to transport their fleets across long distances. Car manufacturers use vehicle haulers to deliver cars from their factories to the dealerships. Towing companies use open, flatbed trailers to help drivers in distress, and auto repair shops use car hauler trailers to pick up and deliver cars.

When owning a car hauling business, you need to purchase various types of insurance related to vehicle transport. This article details the coverage options to consider in order to protect the trailer itself.

Coverage Options

Car Hauler InsuranceComprehensive: Towing a car hauler trailer can be a dangerous job. Driving is always unpredictable, but even more so when you have an additional load attached to your vehicle. Comprehensive insurance is designed to cover those events that are typically beyond your control. This can include inclement weather like hail or flooding, animals in the road, theft, and vandalism.

Collision: While a falling tree limb crashing into your car hauler trailer may be considered an “act of nature”, you do have the ability to avoid hitting stationary objects with your trailer. You should have control behind the wheel, and can therefore make reasonable decisions about the direction and speed of our driving.  When your trailer is damaged in a crash involving another vehicle or stationary object, collision coverage will help to pay for the damages.

Liability: If you are involved in an accident and you were at fault, having liability insurance will help to pay for injuries suffered by the other party and damage to the other person’s personal property. The minimum requirements will vary by state, but will include the total amount of bodily injury coverage per person, the total limit if two or more people are injured in the accident, and the amount of coverage for property damage.

Garagekeepers Legal Liability: More than likely, your business includes a garage to store vehicles that need to be picked up and delivered. This puts the vehicles at risk of being damaged or stolen while being stored. Having garage storage insurance will help to cover your losses.

On Hook: A vehicle may be loaded onto your car hauler trailer to be moved at a future time, or may be in transit. Either way, damages can occur. On hook towing insurance can help to protect against any unforeseeable accidents. In general, this policy will pay to repair or replace the vehicle you are towing and that you do not own. Incidents covered include collision with another vehicle, fire, theft, vandalism, and explosions.


The costs to insure your car hauler trailer vary widely. There are several different factors that affect the overall cost, including:

  • The year, make, and model of the trailer
  • The size of the trailer
  • Whether you plan to use the trailer for commercial or personal use
  • Whether or not you plan to use the trailer in more than one state
  • The number and type of vehicles that you plan to haul

Speak to an Agent

Owning a car hauler trailer can be a fun way to tow your extra vehicles to your favorite vacation spot, or it can be a complicated business venture. Either way, it is in your best interests to speak with your local, independent insurance agent today. He or she will have the knowledge and expertise on the topic of car hauler trailers to recommend the best type of insurance for you.

Other Enhanced Insurance articles related to Trailer Insurance:

Camper Trailer Insurance

Enclosed Cargo Trailer Insurance


Food Trailer Insurance

Horse Livestock

Trailer Liability Insurance

Utility Trailer Insurance

Enhanced Insurance is not written by attorneys. If you’re looking for legal advice, you need to contact a lawyer. Further, insurance practices and forms change constantly and are varied from state to state. For definitive answers in your area, contact a local agent.

While the majority of people want an agent involved in their purchase of insurance, many people want to see if they can save money by buying direct from the insurance company. Others want to try a direct quote to make sure the premium they’re now paying through their local agent is fair. If you want a quote for your coverage, click on the competitive quote button on the right side of this page.