Do I need additional insurance for auto transport?

For most shipments, the carrier's included insurance provides sufficient coverage. Every company we work with carries federally mandated liability insurance plus cargo insurance that covers your vehicle during transit. For a standard vehicle valued under $50,000, the carrier's existing coverage is typically more than adequate, and purchasing additional insurance is unnecessary.

However, if you are shipping a high-value vehicle — exotic cars, classic cars, custom builds, or vehicles valued over $75,000 — you may want to consider supplemental coverage. Some options include gap insurance through a third-party provider that covers any difference between the carrier's coverage and your vehicle's actual value, or a rider on your existing auto insurance policy that extends coverage during transport. Contact your personal auto insurance provider and ask about transport coverage — some policies automatically cover your vehicle during professional shipping, while others exclude it.

Another layer of protection is choosing enclosed transport for high-value vehicles. Enclosed carriers typically carry higher insurance limits because they specialize in transporting valuable vehicles. They also reduce the risk of damage in the first place by shielding your vehicle from weather, road debris, and general exposure. At American Auto Shipping, we can help you assess your coverage needs based on your vehicle's value and recommend the right combination of transport type and insurance for your specific situation.