2026 Calculator
Trailer Insurance Calculator
Estimate your trailer coverage costs
Legal Disclaimer
This estimate is based on projected 2026 data and industry averages. Actual premiums vary by insurer, location, and individual factors. Consult a licensed insurance agent for accurate quotes.
*Based on estimated 2026 projections. Data may not reflect real-time legislative changes.
FAQ
How much does trailer insurance cost in 2026?
Trailer insurance costs $75-$400 per year depending on type and value. Basic utility trailers are cheapest ($50-$150/year), while enclosed cargo and horse trailers cost more ($200-$500). Commercial use increases rates significantly.
Does my auto insurance cover my trailer?
Your auto liability may extend to the trailer when towing, but comprehensive and collision coverage typically don't. A standalone trailer policy or endorsement is needed for physical damage coverage to the trailer itself.
What factors affect trailer insurance rates?
Key factors include trailer type, value, usage (personal vs commercial), what you haul (cargo value), and storage location. Enclosed trailers cost more to insure than open utility trailers. Adding cargo coverage increases premiums.