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AUTO HAULER INSURANCE
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What is Considered Auto Hauling Insurance?
Auto Hauling operations include transporting vehicles from one destination to another. Auto Haulers will use an auto transport trailer to haul vehicles and will typically haul further than a tow truck which will usually haul locally.
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Auto Hauling VS Towing
The main difference between Auto Haulers and tow trucks is that auto haulers will haul their vehicles with an auto hauling trailer while tow trucks will usually haul their vehicles on-hook. Tow trucks will also typically haul locally only.
Which Vehicles Can Auto Haulers Pull?
Auto Haulers are able to pull a wide range of vehicle types from passenger vehicles to commercial vehicles such as semi-trucks.
Which Coverages Do Auto Haulers Need?
Auto Haulers will need:
- Commercial Auto Liability
Auto Haulers will want:
- Motor Truck Cargo
- Auto Physical Damage
- Uninsured/Under-Insured Motorist (UM/UIM)
Which Limits Do Auto Haulers Need?
Depending on the state, you may need to carry a minimum liability limit of $750,000, but it is always recommended that you carry at least $1,000,000 in liability coverage.
While most motor carriers will carry a Motor Truck Cargo limit of $100,000, most Auto Haulers will carry a Motor Truck Cargo limit of $150,000. This is because most auto haulers will carry expensive vehicles and they want to make sure that they are covered for the full amount of the vehicles they are carrying.
How Much Does Auto Hauling Insurance Cost?
Auto hauler insurance can cost anywhere from $7,500 annually to $23,000 annually. The major factor in auto hauling is are you doing it with a semi truck or dually. Next comes how many vehicles you can max out on your trailer and the average cost of each vehicle you will be hauling. Lastly the driver and company experience. For example a dually with a one-car trailer traveling around 100-mile radius is most likely going to pay on the lower at the end. Oppose to a semi that travels across the country with a 10 car trailer, that will most likely land you on the hire end of the pricing.
Commercial Vehicle Insurance Types
Commercial Truck Operation Type
Additional Commercial Truck Insurance Coverage Options
- Bobtail Insurance
- Medical Payments
- Cargo Form H Filing
- Reefer Breakdown
- MCS-90 Endorsement
- Form E State Filing