Do Trailers Need Insurance In Texas?

Owning and driving a vehicle comes with certain responsibilities, including insurance coverage. But what about trailers? Do they need to be insured in Texas? The answer is yes—trailers in Texas must have their own auto insurance policy.

To ensure that you are adequately covered and compliant, it’s important to understand the details of trailer insurance in the Lone Star State. In this article, we will discuss what types of coverage are available, how much coverage you need and when it should be purchased. Read on to learn more!

What is trailer insurance?

Trailer insurance is a type of insurance that helps protect your trailer in the event of an accident or other covered incident. It can help cover the cost of repairs or replacement, as well as any medical bills that may result from an accident. Trailer insurance is not required in Texas, but it is a good idea to have if you plan on using your trailer on a regular basis.

Do trailers need insurance in Texas?

There are a few different types of insurance that you may need to purchase for your trailer, depending on what type of trailer it is and what you will be using it for. For example, if you plan to use your trailer for commercial purposes, you will likely need to purchase commercial vehicle insurance. If you will be using your trailer for personal use, you may be able to get by with just purchasing a personal liability policy.

In general, trailers do need insurance in Texas. The amount and type of insurance that you will need to purchase will depend on the value of your trailer, what you plan to use it for, and whether or not you plan to register it with the state.

How much does trailer insurance cost in Texas?

The cost of trailer insurance in Texas varies depending on the type and value of the trailer, as well as the insurer. However, on average, trailer insurance in Texas costs between $100 and $300 per year.

What does trailer insurance cover in Texas?

Trailer insurance in Texas generally covers the same types of risks as auto insurance. This includes liability for property damage and bodily injury caused by the trailer, as well as collision and comprehensive coverage for the trailer itself.

Some insurers also offer specialized coverage options for trailers, such as protection against theft or uninsured motorists. You may also be able to purchase additional riders to cover items that are stored in or on your trailer, such as tools or sports equipment.

How to get trailer insurance in Texas?

In order to get trailer insurance in Texas, you will need to contact your local insurance agent or company. There are many different types of trailer insurance available, so it is important to make sure that you are getting the coverage that you need. Some things that you will want to consider when shopping for trailer insurance include the value of your trailer, the type of trailer, and the activities that you plan on using it for.


In conclusion, trailers need insurance in Texas. It is important to understand the different types of coverage available so that you can find the right policy for your trailer and keep yourself protected. Whether you own an ATV, boat, utility or travel trailer, having adequate insurance can provide peace of mind and make sure that you are covered should anything happen while on the road. With a little research and some advice from an experienced agent, finding affordable and comprehensive coverage will be easy.