Utility Trailer Insurance
Get a utility trailer insurance quote today from a leading RV insurer
Your utility trailer is built to handle what you want to haul, and you'll want affordable, trusted protection when you're transporting your ATV, lawn care equipment, building supplies, or anything else.
Saving on utility trailer insurance is simple
We automatically apply eligible discounts to your policy when you quote online or by phone. Check out a few that you could earn:*
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Featured
Multi-policy
Get a discount when you combine your utility trailer insurance with another Progressive policy like auto, homeowners, renters, motorcycle, boat — the list goes on.
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Quote in advance
Get a discount just by quoting utility trailer insurance with Progressive at least one day before you need your policy to start.
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Pay in full
One of the easiest ways to save— simply pay for your policy up front and in full, and we'll throw in another discount.
Smarter coverage for you and your utility trailer
Whatever you haul with your trailer, these coverages and more can offer reliable protection for you and your vehicle:
Recommended
Comprehensive
Protects your trailer against the unexpected
Comprehensive
Protects your trailer against the unexpected
Comprehensive coverage can safeguard your utility trailer against incidents outside of your control, like theft, vandalism, fire, and weather.
Example: Your utility trailer is stolen at a campsite. Comprehensive may pay to replace your trailer, minus your deductible.
Recommended
Collision
Protects your trailer against damage from accidents
Collision
Protects your trailer against damage from accidents
Collision coverage can cover your trailer if it collides with a vehicle, fence, guardrail, or any other object.
Example: Your trailer is damaged in a highway accident. Collision can cover the repair cost, minus your deductible.
Replacement cost/personal effects
May cover personal items inside your trailer
Replacement cost/personal effects
May cover personal items inside your trailer
Protect your personal goods or equipment. Get up to $99,000 in coverage for personal property inside your utility trailer.
Example: Your tools are destroyed in an auto accident. Replacement cost/personal effects coverage may pay to replace your tools, up to your coverage limit.
Roadside assistance
Helps if your utility trailer is stranded
Roadside assistance
Helps if your utility trailer is stranded
If your towing vehicle is disabled within 100 feet of a road or highway, we'll provide roadside assistance. If you're stuck in snow, mud, or sand, we can also provide assistance or fuel delivery.
Example: Your trailer is stuck in the mud. A roadside professional can provide assistance to get you back on the road.
Other types of travel trailers covered by Progressive
We also offer customized coverage for the following trailer types:
Do utility trailers need insurance?
To be covered for any physical damage to your utility trailer, you need a utility trailer insurance policy. The liability coverage on your auto insurance policy offers protection from any damage or injuries you're found responsible for while pulling your utility trailer, but it typically won't cover any damage to your utility trailer or the contents inside.
Does auto insurance cover your utility trailer?
Your auto insurance policy generally doesn't protect your trailer from damage — instead, it protects you against injuries or damages you cause to others while driving (plus damage to your vehicle, depending on your policy's coverages). Even if you have comprehensive and collision auto coverages for the vehicle pulling your trailer, those coverages only apply to the pulling vehicle, which is why it's important to protect your trailer through a separate utility trailer policy.
How much does utility trailer insurance cost?
Utility trailer insurance is affordable, as Progressive offers a multitude of RV insurance discounts to help bring down the price for utility trailer coverage. Many factors could affect your utility trailer insurance cost, from your trailer's type and location, and your age, driving history, and coverage needs.
