Car Shipping & Auto Transport Insurance Coverage | Navi
Car Shipping & Auto Transport Insurance Coverage
What standard carrier coverage includes, what it costs, the limits per vehicle, and how claims work — your car protected from pickup to delivery.
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What It Costs
How much does car shipping insurance cost?
The short version: standard coverage costs you nothing extra. Here's where cost actually comes in.
Standard car shipping insurance is included in your quote at no additional cost. Every licensed carrier is required by federal law to carry active liability coverage, and that protection is built into the transport price you're quoted — there is no separate insurance line item or add-on fee for standard coverage on a typical vehicle.
Cost only enters the picture when your vehicle's value exceeds a carrier's standard limit. Most carriers hold $100,000 to $250,000 of coverage per vehicle, which fully covers standard cars, trucks, and SUVs. If you're shipping a luxury, exotic, classic, or heavily modified vehicle worth more than that, you can add supplemental coverage — typically priced as a small percentage of the vehicle's declared value, depending on the car and the provider.
For high-value vehicles, the more common route is enclosed transport, where carriers often carry higher built-in limits of $500,000 or more per vehicle. The enclosed service costs more than open transport, but the higher coverage ceiling is part of what you're paying for. Tell us your vehicle's value when you request a quote and we'll match you to the right coverage level — you won't pay for protection you don't need.
Insurance FAQ
Car shipping insurance — common questions
Straight answers on whether you need it, what it costs, and how carrier coverage actually works.
No — you do not need to buy separate insurance to ship a car. Every licensed carrier is required by federal law to carry active liability coverage, and that protection is already included in your Navi quote. You'd only consider supplemental coverage if your vehicle's value exceeds the carrier's standard $100,000–$250,000 limit, such as with a luxury, exotic, or classic car.
Standard coverage costs nothing extra — it's built into your transport price. There's no separate insurance fee for a standard vehicle. Optional supplemental coverage for high-value vehicles is priced by the car's declared value, typically a small percentage of that value. Enclosed transport carries higher built-in limits ($500,000+) as part of its service price.
Usually not during transport. While your vehicle is in the carrier's care, it's the carrier's cargo and liability insurance that covers it — your personal auto policy typically does not cover damage that happens during commercial transport. Some comprehensive policies include limited transit coverage, so it's worth a quick call to your own insurer, but you are protected by the carrier's policy regardless.
Federal law requires the carrier to carry active liability and cargo insurance, and the broker to hold a surety bond — you as the customer are not required to buy anything additional. As a licensed broker, Navi verifies that every carrier's insurance is active, valid, and sufficient for your vehicle type before we assign your shipment, so you're never matched with an uninsured or underinsured carrier.
Both are fully insured, but coverage limits differ.Open carriers typically carry $100,000–$250,000 per vehicle, which is sufficient for standard cars. Enclosed carriers often carry higher limits — $500,000 or more — which is one of the main reasons luxury, exotic, and classic vehicles ship enclosed. The coverage level should match your vehicle's value.
Not sure what coverage you need?
Tell us your vehicle's value and we'll match you to the right coverage level — standard or supplemental.
