Are trailers covered by car insurance?

A common question for trailer owners is: are trailers covered by car insurance? In many cases, liability car insurance will cover an eligible trailer, but not all. Although liability coverage is basic, and if you have a vehicle, you most likely already are covered, many people who tow trailers a lot require more than liability coverage to protect themselves and their pockets in the event of an accident.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Jul 16, 2021

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The Rundown

  • Towing a trailer behind a car you own will usually be covered by your car insurance
  • If you plan on renting a trailer, you should know your insurance probably won’t cover that
  • You’ll need to list your trailer on your policy if you want comprehensive and collision coverage and not just liability coverage


Towing a trailer is not without its risks. Even if you’re an experienced driver, accidents can still happen, and the chances of that increase when your car or truck is towing a large trailer.

So you’re probably thinking, are trailers covered by car insurance? Depending on your insurance, trailer coverage may or may not be included. This article tells you all you need to know about trailer insurance.

If you’re looking for new car insurance for your trailer, you can start comparing car insurance rates right now by entering your ZIP code in our free tool.

Are trailers covered by auto insurance?

In general, most car insurance policies will supply liability coverage for a trailer that you own. However, if that trailer gets into an accident, that coverage only applies if it is being towed by the policyholder’s car.

Sometimes trailers being covered by car insurance can vary depending on the policy and the state. You may need to get separate comprehensive and collision insurance for your trailer and list it on the declarations page of your policy.

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What kind of insurance covers me towing a trailer?

Liability insurance pays for damages or injury from accidents you get into. Even if the trailer you tow doesn’t belong to you, liability will cover you if anything happens.

However, liability is a basic form of coverage. It’s advisable to get comprehensive and collision coverage if you have a trailer as they cover more situations.

Exceptions also apply to common situations such as renting a trailer. If you rent from a moving company, for example, you’ll need coverage from them.

Do I need separate insurance for my trailer?

In some cases, yes. For example, if you are wondering how to insure a trailer under personal insurance, you should know that homeowners insurance usually covers trailers. However, this applies to property-related damage and not collisions.

Even if you are happy with your current car insurance company, it’s best for your peace of mind and protection for you to buy car insurance that covers you and your trailer completely.

Now that you know more about if trailers are covered by car insurance, enter your ZIP code now and compare free car insurance quotes from the best companies in your area.

Frequently Asked Questions: Are trailers covered by car insurance?

Still have questions about if trailers are covered by car insurance? Read some common questions below.

#1 – What states require trailer insurance?

Since you are not legally required to insure a trailer, there are no state laws regulating trailer insurance.

 

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