For open transport trailers, cargo insurance ranges from $100,000 to $250,000 at no additional charge. Cargo insurance for enclosed trailers can go well into the millions depending on your specific needs. Coverage for either trailer begins when the auto transporter loads your vehicle onto (or into) the trailer and ends when your vehicle is offloaded at the destination. For maximum protection, we encourage you to ask your auto insurance provider whether your vehicle will be insured during transit. Being covered both by the transporter's cargo insurance and your own auto insurance is the optimal scenario and most often the case.