How much does cargo trailer insurance cost?

Your annual cost for cargo trailer insurance depends on many factors, such as your coverage selection, location, age, type of trailer, and driving history. You can lower the cost of your policy by increasing the deductible amounts on your comprehensive coverage and collision coverages.

Do you need insurance for your trailer?

Even though you pull your cargo trailer with a truck or car, your auto insurance typically doesn't cover your cargo trailer if it's stolen, vandalized, or damaged in an accident. You need a separate travel trailer insurance policy to cover any physical damage to your cargo trailer.

Does cargo trailer insurance cover accidents on the road?

Cargo trailer insurance covers damage to your trailer from accidents on the road. It doesn't cover bodily injuries or property damage that your trailer causes on the road. You're required in nearly every state to carry auto liability coverage on your tow vehicle to cover damage or injuries you're liable for while towing your cargo trailer.

Cargo Trailer Insurance

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Safeguard your cargo trailer, no matter what you're hauling

If you use a trailer to haul your motorcycle, camping gear, supplies, horses, or anything else, make sure you're protected with a cargo trailer insurance policy from Progressive (damage to your cargo trailer won't be covered under your auto insurance policy). We insure almost all types of trailers and can even cover your valuable personal property inside.

Load up with cargo trailer insurance discounts

Our discounts are automatically added to your cargo trailer policy when you quote online or by phone. Here are some that you may earn:^*

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Multi-policy

Get a discount if you have another Progressive policy like auto, homeowners, renters, motorcycle, or boat.
Continuous insurance

Get rewarded for already being insured when you start with us — we honor the time you've spent with your previous insurer.
Original owner

Are you the original owner of your trailer? We'll add a discount for that, as long as you have comprehensive and collision coverage.

See all RV discounts

Customized coverage for you and your cargo trailer

Your cargo trailer is built to secure your goods, and your cargo trailer insurance policy should offer the same reliable protection. Check out these available coverages for your cargo trailer, its contents, and more:

Comprehensive

Protects your cargo trailer if the unexpected occurs

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Comprehensive coverage covers your travel trailer against incidents out of your control, including theft, vandalism, fire, weather, and collisions with animals.

Example: Your cargo trailer is stolen at a rest stop. Comprehensive may pay to replace your trailer, minus your deductible.

Collision

Covers your trailer against damage due to accidents

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Collision coverage can pay to repair or replace your trailer if it collides with a vehicle, fence, guardrail, or other object.

Example: Your cargo trailer rolls over on the highway. Collision can cover the repair cost, minus your deductible.

Replacement cost/personal effects

Covers personal items inside your trailer

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Safeguard your personal goods or supplies with up to $99,000 in coverage for personal property inside your cargo trailer.

Example: Sporting goods are stolen out of your cargo trailer. Replacement cost/personal effects may pay to replace the copper wire, up to your coverage limit.

See all trailer coverages