Trailer Insurance in 2025: What You Need to Know

28, July, 2025

If you own or rent out a trailer in 2025 - whether it’s enclosed, dump, camper, or car hauler - having the right insurance isn’t just smart, it’s often required. Here’s what you need to know to stay protected and compliant.

1. Is Trailer Insurance Required?

It depends on how you use your trailer:

• Personal use: If you tow a trailer behind your insured vehicle, many auto policies offer some basic liability coverage while it’s attached. But this often doesn’t cover theft, damage, or cargo.

• Commercial or rental use: If you rent your trailer or use it for business, separate trailer insurance is almost always required.

2. What Trailer Insurance Covers

There are different types of coverage:

• Liability coverage: Protects you if your trailer causes damage or injury while in use.

• Physical damage: Covers theft, vandalism, fire, weather, or accidents - even while parked.

• Comprehensive coverage: Includes non-collision losses like storms or theft.

• Contents/cargo insurance: Covers what’s inside the trailer (tools, equipment, inventory).

• Rental protection (for owners): Covers damage caused by renters and includes loss-of-income protection if your trailer can’t be rented during repairs.

3. Average Costs in 2025

Trailer insurance is relatively affordable:

• Personal-use trailer: ~$75–$250/year

• Business-use trailer: ~$300–$600/year

4. Who Offers Trailer Insurance?

Leading providers include:

• Progressive (popular for RVs and cargo trailers)

• Geico

• State Farm

• Travelers

• Thimble (short-term coverage)

5. What to Watch Out For

• Trailer must be listed on your policy by VIN to be covered

• Storage coverage: Ensure your trailer is protected even when not in use

• Deductibles: Lower premiums often mean higher deductibles

• Named vs. open-driver policies: Important if others use or rent the trailer

Conclusion

In 2025, trailer insurance is more flexible and accessible than ever - but skipping it can cost you thousands. Whether you're towing for fun or renting for income, the right coverage keeps you, your trailer, and your business safe.

Visit yes-trailers.com to explore trailers available near you and rent with confidence.