Can I get auto insurance for a car that is used for towing or hauling?
You may want to know if it's possible to get auto insurance for a car that is used for towing or hauling. You can get car insurance for a car that you use to tow or haul, although the terms and conditions may vary from one company to the next. Read on to learn about towing insurance coverage.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
UPDATED: Jul 8, 2023
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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jul 8, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- You can get auto insurance for a car that you use for towing or hauling
- You may need to tell the insurance company what you intend to do
- You may also need to buy a separate plan to cover the trailer
When searching for affordable auto insurance, you may also ask: “Can I get auto insurance for a car that is used for towing or hauling?” We understand that the answer may not be immediately obvious, so we have asked the question for you and provided the answer below.
You Can Get Auto Insurance for a Car That You Use for Towing or Hauling
You will usually be able to get auto insurance for a car in this situation, but the terms and conditions may vary from one insurance company to the next. For example, you may need to inform the company ahead of time.
You may also need to refer to the small print of your policy to see if it will cover the value of the trailer and anything on top.
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Your Liability Cover Should Protect Others If You Cause Damage While Towing
Most states require you to have liability insurance for a vehicle you insure, which will pay for any damages if you are at fault during an accident. If you happen to be towing a vehicle during such an incident, this insurance should extend to you, but you should check with your insurance company to be safe.
You may not succeed in your claim if you tow a trailer that is not street legal. Also, the insurance company may not pay out if the vehicle you use to tow the trailer is not suitable.
For example, when you attach a loaded trailer, your towing vehicle may have an insufficient GVM (gross vehicle mass), which means that it’s unsafe and you should not proceed. Therefore, ensure that your trailer is always in good condition and that you use it correctly if you want to avoid any problems when you claim.
Find out more about liability insurance and other categories here: “How much auto insurance coverage do I need?”
Comprehensive Insurance May Not Cover a Car Used for Towing
Comprehensive insurance is typically optional unless you have a loan or lease in place, but it should protect your car from damage that is not due to an accident. In other words, it pays for repairs to your vehicle if the damage is due to vandalism, theft, weather, fire, or an impact with a wild animal.
However, this insurance will not automatically extend to cover your trailer. In this case, you should talk with your insurance company about buying additional coverage. You can also learn more about affordable comprehensive auto insurance coverage.
Specific Towing Auto Insurance Coverage
You should talk with your insurance company to see if they can offer specific trailer insurance and a policy that will cover the property you are towing or hauling. These policies may pay for damage to the trailer itself. If you’re unsure, it’s always best to talk with the insurance company first in every case.
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Commercial Auto Insurance for a Car Used for Towing
If you’re towing a trailer for commercial reasons, you should talk with your insurance company. You’ll need a commercial insurance policy in place to cover both the towing vehicle and the trailer.
You Can Get Auto Insurance for a Car That Is Used for Towing or Hauling
It is possible to get insurance for a car that you use to tow or haul. However, you should refer to your insurance company’s specific terms and conditions.
For example, some companies may automatically extend coverage if you only tow the trailer occasionally, while others may expect a separate declaration. You should also ask the company if your comprehensive insurance coverage extends to the trailer.
Frequently Asked Questions
Does liability insurance cover towing?
A standard liability insurance policy will not typically cover any expenses related to towing. However, if the accident was someone else’s fault, their liability coverage may include your towing expenses.
What is towing and labor cost coverage?
This is an add-on to certain insurance policies that can protect you against the unexpected costs of a roadside breakdown.
Does full coverage car insurance cover towing?
You may need an additional form of insurance, often called towing and labor cost coverage, if you want to claim for towing costs. You can learn more here: “Understanding how auto insurance works.”
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.