Car Hauler & Auto Transport InsuranceCar Hauler Insurance for Auto Transporters & Vehicle Carriers
Hauling passenger vehicles, dealership inventory, auction units, or specialty cars introduces distinct loading, unloading, height-clearance, and multi-vehicle cargo exposures that general freight policies often exclude or restrict.
Requesting a quote is free and does not bind coverage. All policies are subject to carrier underwriting and state availability.
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Dedicated programs for new USDOT/MC numbers, box trucks & owner-operators.
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Coverage Options
Core coverages evaluated for Car Hauler & Auto Transport Insurance
Coverage limits, deductibles, and endorsements are structured around your equipment, contracts, and operating authority:
- Primary Auto Liability structured for interstate and intrastate auto transport authorities
- Motor Truck Cargo coverage written specifically for transported vehicles (with per-vehicle and per-occurrence limits)
- Physical Damage coverage for wedge trailers, 3-car/4-car hotshots, stinger units, and 7- to 9-car high-mount rigs
- Loading, unloading, and diminishing deductible options where offered by the underwriter
Intended Customer Profile
Who this insurance program helps
- Single-unit and fleet car haulers transporting dealership, auction, OEM, or private customer vehicles
- Hotshot dually operators pulling 3-car or 4-car wedge trailers
- Semi-truck auto carriers operating open multi-level or enclosed auto transport trailers
- Established auto transport companies and qualified new-venture car haulers
Key Operational Risks Addressed
- • Loading and unloading ramp damage, winch failure, or undercarriage/roof contact
- • Overhead bridge, tree branch, or hail damage to upper-deck vehicles on open trailers
- • High aggregate cargo values when hauling multiple late-model SUVs, EVs, or luxury vehicles
- • Theft, vandalism, or tie-down shift during transit
What influences your premium
Insurance premiums are determined by carrier underwriting rather than flat rates. Key rating variables include:
- Trailer capacity (e.g., 1–2 car, 3–4 car wedge, 7–9+ car carrier) and open vs. enclosed configuration
- Maximum cargo limit needed and whether the policy includes a per-vehicle sub-limit
- Types and values of vehicles hauled (standard passenger, auction, salvage, luxury, or electric vehicles)
- Operating radius, states traveled, garaging location, and driver car-hauling experience
Underwriting considerations
- Underwriters carefully evaluate prior auto-hauling experience, CDL tenure, and trailer configuration
- Clean MVR history and documented vehicle inspection / bill-of-lading procedures improve carrier availability
- New-venture car haulers may face stricter per-car sub-limits or experience verification during the first policy term
Common exclusions & terms to verify
- Standard general-freight cargo forms may exclude motor vehicles unless specifically endorsed for auto hauling
- Many car hauler cargo policies apply a maximum limit per vehicle in addition to the overall load limit
- Pre-existing damage, improper bill-of-lading documentation at pickup, or excluded exotic/high-value units may not be covered
What to have ready for an accurate quote
- USDOT and MC numbers, legal business name, and years of auto-hauling experience
- Tractor/truck and auto-transport trailer VINs, stated values, and maximum car capacity
- Requested cargo limit (total load and maximum value per vehicle) and typical customers served
- Complete driver list with CDL numbers, dates of birth, and driving history
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Frequently asked questions
Helpful answers before you begin.
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