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Auto Hauler & Car Carrier Insurance

Insurance for auto haulers and car carrier operations transporting vehicles for dealerships and manufacturers.

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What It Covers

Liability coverage for vehicle transport operations
Cargo insurance covering vehicles on your trailer
Physical damage for your car hauler truck and trailer
Drive-away coverage for vehicles driven under their own power
Loading and unloading coverage for vehicle damage
Hired auto physical damage

Who Needs This Coverage

Auto transport companies, dealership delivery services, vehicle relocation operators, and auction haulers. Car haulers are responsible for high-value cargo that is fully exposed, and claims are frequent during loading and unloading.

Avg Fleet Size

1-20 trucks

Common Cargo

New vehicles, used vehicles, dealer inventory, auction cars

Typical Coverage Package

Primary Liability ($750K-$1M)
Motor Cargo ($150K-$500K)
Physical Damage (Comprehensive + Collision)
Drive-Away Coverage
Non-Trucking Liability
Hired Auto Physical Damage

Frequently Asked Questions

Most car haulers carry $150K-$500K in cargo coverage depending on the type of vehicles transported. Luxury and exotic car haulers may need $1M+. Shippers and brokers often set minimum requirements.

Drive-away coverage protects vehicles being transported under their own power rather than on a trailer. This is common for dealership-to-dealership transfers and manufacturer deliveries.

Yes, with the right policy. Vehicle damage during loading and unloading is one of the most common car hauler claims. Make sure your cargo policy explicitly covers loading and unloading operations.

Reviewed by

Nazar Mamaev

President, Full Coverage LLC

TRIP, CDS, TRS Certified · Licensed in 47 States

Nazar Mamaev is a certified trucking insurance broker who has helped thousands of motor carriers find the right coverage at competitive rates.

Indianapolis, IN·317-427-5599·Get a Quote

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