Does car insurance cover trailers?

Does car insurance cover trailers? It depends on the situation and the type of coverage you have. Liability coverage extends to a towed trailer, so you will be covered for any damage your trailer causes, but other types of coverage are more complicated. Compare multiple companies to find the right coverage at the right price.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Dec 19, 2021

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The Highlights

  • Liability coverage typically extends to trailers towed by your insured vehicle, meaning any damage you cause to others’ property is covered
  • Collision and comprehensive coverage (“full coverage”) does not extend to your trailer under most policies, meaning you’ll need to purchase separate insurance to protect your trailer
  • If you’re towing a rental trailer, we recommend purchasing the coverage option the rental company offers you

If you’re involved in a collision, having the right car insurance can help cover any damage to, or damage caused by your vehicle. But what if you’re towing a trailer at the time of the accident? Does car insurance cover trailers?

The answer can get a bit complicated, but we’re here to help. Read on to find out how car insurance can protect your trailers, as well as how your insurance options can differ based on the type of trailer you’re towing.

We’ll also help you find and compare car insurance companies that cover trailers so you can choose a plan that’s right for you.

Once you feel confident about seeking car insurance for your trailer, enter your ZIP code to compare rates using our free online quote tool.

Does car insurance cover towing a trailer?

Generally, liability coverage extends to any trailers that are towed by your vehicle, but for comprehensive coverage and collision coverage (sometimes called “full coverage” when bundled), you’ll often need to purchase a separate policy specifically for your trailer.

In other words, if your trailer is involved in an accident with someone else’s vehicle or property, liability coverage will likely help pay for any damage you’re responsible for. But when it comes to any damage done to your trailer (whether due to a collision or other source), most standard car insurance won’t cover you.

Requirements and availability for separate trailer insurance vary from state to state. For example, in Nevada, insurance is available but not required for utility and travel trailers. Check with your insurance agent if you want to be sure your trailer is covered.

Which car insurance companies cover trailers?

Most major car insurance companies offer some kind of coverage for trailers. That said, it’s unlikely that your car insurance will cover the cost of repairing or replacing your trailer as part of a standard collision and/or comprehensive policy, so you’ll want to be sure to look at trailer insurance specifically when comparing car insurance options.

Fortunately, most car insurance companies make it easy to add comprehensive and collision coverage to your trailer. Simply contact an agent at your insurance company of choice and they’ll either help you add your trailer to your existing policy or set you up with separate trailer insurance.

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What types of trailers are covered by car insurance?

Liability coverage generally extends to any trailer being towed for personal use, including utility trailers, campers, and RVs. Comprehensive and collision coverage will need to be purchased separately for your trailer.

For some drivers, purchasing full coverage for a trailer can be as simple as adding it to an existing policy. As for the cost, insuring a travel trailer costs between $250 and $500 annually according to Camper Guide. Other types of personal trailers may cost slightly less or more depending on your policy.

Will car insurance cover a rental trailer?

While your liability coverage may cover any damage caused by a rental trailer that you’re towing with an insured vehicle, it’s unlikely that the trailer itself is covered under your collision or comprehensive insurance policy.

Trailer rental companies typically offer some sort of coverage for your rental, often in the form of a waiver. We recommend purchasing this protection to ensure you’re not personally liable for any damage to the rental equipment.

What to Consider Before Buying Car Insurance That Covers Trailers

  • Do you travel with your trailer frequently? If not, is the cost of insuring it worth the peace of mind?
  • Is the cost of your trailer greater than the cost of insuring it for several years? If you’re able to pay for repairs or a replacement out of pocket, you may not need more coverage than your liability insurance already provides
  • Does your car insurance company offer any discounts for adding a trailer to a policy alongside your other insured vehicle(s)?

Before you buy car insurance for your trailer, use our free online quote tool to find affordable insurance that’s right for you.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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