How Much Does Car Hauler Insurance Cost? 2025 Rates

Car haulers in the U.S. typically spend between $600 and $840 per year on business insurance. That equals about $50 to $70 each month.

What Drives Premiums

Several factors influence how much coverage will cost:

• Driving history – A clean record helps keep costs down, while past accidents or violations raise rates.
• Coverage limits – Higher limits provide stronger protection but increase monthly premiums.
• Type and number of vehicles hauled – Transporting luxury or specialty cars, or hauling multiple vehicles at once, adds risk.
• Distance traveled – Long-haul operations face greater exposure than local routes, which can raise premiums.
• Truck and trailer value – More expensive equipment requires higher property coverage.

Why It Matters

Understanding these cost drivers helps car haulers budget wisely and choose coverage that matches their risks. With the right plan, they can protect their business without overspending.

How Much Does Car Hauler Insurance Cost?

On average, car haulers spend between $600 and $840 annually on insurance. That equals about $50 to $70 per month. These figures are only estimates, and the actual premium depends on the details of your hauling operation.

Why Costs Differ

No two car hauler businesses are alike. A small operator moving one or two cars locally will usually pay far less than a larger company transporting luxury vehicles across state lines.

Key Cost Drivers

Several factors influence how much you’ll pay for coverage:

• Claims history – Filing past claims often raises premiums, while a clean record can lower them.
• Property size and value – Larger facilities or expensive trucks and trailers increase commercial property insurance costs.
• Number of employees – More staff means greater liability exposure and higher workers’ comp expenses.
• Business interruption and add-ons – Extra coverage options add to the total bill.

Distance, Vehicles, And Location

How far you drive, the type of cars you transport, and where you operate all matter. Hauling exotic or high-value vehicles increases risk, while driving through areas with high accident or theft rates can raise premiums compared to safer routes.

Why This Matters

Understanding these variables helps car haulers estimate insurance needs more accurately and budget for the real costs of protecting their business. With the right coverage, you can safeguard your operation without overspending.

Average Car Hauler Insurance Costs For Coverage Types

When it comes to protecting your car hauler business, different types of insurance cover different risks. Understanding the average cost, coverage details, and what influences pricing for each policy type can help you build a more effective insurance plan. Here’s a closer look at the major coverages most car haulers need.

General liability insurance: $50 per month

Workers’ compensation insurance: $625 per month

Commercial auto insurance: $755 per month

General Liability Insurance

The average cost of general liability insurance for a car hauler is about $50 per month.

General liability covers third-party bodily injury, property damage, and advertising injuries. For example, if a customer visits your yard to inspect their vehicle and trips over a loose cable, this policy would help pay for their medical bills and cover your legal costs if they decide to sue.

Typical policy limits are $1 million per occurrence and $2 million aggregate.

Factors that influence the cost include the business size, location, customer traffic volume, previous claims history, and insurance options such as an additional insured.

Average annual premiums by state:

Note: These estimates are based on average national General Liability Insurance premiums for car hauler businesses, adjusted slightly for state-level differences. Actual premiums will vary depending on fleet size, services offered, claims history, and insurer underwriting practices.

Workers’ Compensation Insurance

The average cost of workers’ compensation insurance for a car hauler is around $625 per month.

Workers’ comp covers medical bills, rehabilitation, and lost wages for employees injured on the job. For example, if a driver injures their back while loading a car onto the trailer, workers’ comp would help pay for their doctor visits, treatment, and part of their lost wages while they recover.

Policy limits are regulated by each state, but typically include medical costs and a percentage of lost wages without a set cap.

Premiums are influenced by the size of your payroll, the type of work employees perform, your claims history, and any implemented safety programs.

Average annual premiums by state:

Note: These estimates are based on average national Workers’ Compensation premiums for car hauler businesses, adjusted slightly for state-level differences. Actual premiums will vary depending on payroll size, number of employees, claims history, and insurer underwriting practices.

Commercial Auto Insurance

The average cost of commercial auto insurance for a car hauler is about $755 per month.

Commercial auto insurance covers vehicles owned or used by the business for accidents, theft, vandalism, or damage. For example, if your driver causes an accident while hauling cars to a dealership, this policy would help pay for damage to other vehicles involved and cover any injuries or third-party claims.

Factors influencing the cost include the number and type of trucks and trailers you use, how often they’re on the road, your drivers’ safety records, and whether you haul cars locally or across long distances.

Average annual premiums by state:

Note: These estimates are based on average national Commercial Auto Insurance premiums for car hauler businesses, adjusted slightly for state-level differences. Actual premiums will vary depending on fleet size, number of vehicles, driving records, coverage limits, and insurer underwriting practices.

Car Hauler Business Insurance Costs By Provider

Car hauler business insurance costs will vary greatly depending on the insurance carrier. Use the table below to find average costs across different providers.

Note: These estimates are based on average costs for car hauler and auto transport businesses, typically including commercial auto liability, cargo coverage, physical damage, and general liability policies. Actual premiums will vary depending on factors such as fleet size, hauling distance, vehicle type, driver records, location, and coverage limits.

What Factors Impact Your Car Hauler Insurance Costs?

Insurance premiums for car haulers are based on your overall risk profile. Underwriters consider the type of vehicles you transport, how far you travel, your drivers’ records, business location, and claims history when calculating rates.

Claims History

A record of frequent claims or past accidents can raise premiums, as insurers see this as higher risk. Keeping a clean history often helps secure discounts and better rates.

Truck, Trailer, And Equipment Value

High-value trucks, trailers, or specialized equipment like hydraulic lifts and enclosed carriers increase insurance costs. Protecting these assets often requires additional coverage for physical damage or equipment breakdown.

Distance Traveled

Long-haul routes or interstate operations typically cost more to insure than local hauling. More time on the road increases exposure to accidents and claims.

Type Of Car Hauling

Not all vehicles carry the same risk. Transporting everyday used cars usually costs less than hauling luxury, exotic, or classic vehicles, which involve higher repair and replacement costs.

Size Of The Business

Larger operations with multiple trucks, trailers, drivers, and customers face greater risks. More staff raises workers’ compensation costs, while more vehicles increase liability exposure.

Location Of Operation

Where you operate matters. Businesses in high-crime areas, heavy-traffic regions, or places with severe weather often pay more for coverage compared to those in safer, low-risk locations.

How To Lower Your Car Hauler Insurance Costs

Running a car hauler business can be costly, but your insurance premiums don’t have to overwhelm your budget. While coverage is essential, there are practical ways to cut costs without losing protection.

Raise Your Deductible

Opting for a higher deductible is a straightforward way to lower monthly premiums. Just be sure you can comfortably cover the out-of-pocket amount if a claim arises.

Bundle Policies Together

Combining coverage often leads to savings. Many insurers offer a Business Owner’s Policy (BOP) that merges general liability and property insurance at a reduced rate. Adding workers’ compensation through the same provider can unlock additional discounts while simplifying paperwork.

Ask About Discounts

Insurers frequently reward loyalty and upfront payments. You may qualify for reduced rates by signing a multi-year agreement or paying your premium in full instead of monthly installments.

Build A Safer Workplace

Accidents can quickly drive up insurance costs. Training drivers on safe loading and unloading practices, securing vehicles properly, performing regular maintenance, and using safety gear like gloves and reflective vests all help reduce risks. Fewer incidents mean fewer claims, which lowers liability premiums over time.

Strengthen Your Safety Program

Workers’ compensation costs can be managed by focusing on employee safety. Teaching staff proper lifting techniques, safe ramp use, and protective gear protocols reduces injuries. When fewer claims are filed, premiums stay lower.