Do Students Need Extra Insurance When Shipping a Car to College?

Car Shipping for College: What Parents and Students Need to Know Before Sending a Vehicle to Campus

Let me be straight with you, shipping a car to college isn’t just about booking a transport service and calling it a day.

Whether you’re a parent helping your college student get settled or a student preparing for the semester, this process impacts safety, budget, and convenience. After helping thousands of families with vehicle shipping, here’s what you should know.

Why Shipping a Car to College Isn’t Just “Convenient” - It’s Smart

Having a car on campus means freedom. It lets students work part-time, do late-night errands, and head home during holidays. In cities with weak public transit, it’s more than helpful, it’s essential.

For students, it’s about independence. For parents, it’s knowing your student's car is available and your child isn’t stranded.

But it’s also a responsibility, especially when it comes to car transport insurance.

Are You Covered During Transport?

Here’s a common misconception:

“I already have auto insurance, so I’m good.”

Not quite.

Most personal insurance policies don’t cover damages during car shipping, especially during loading, unloading, or cross-country transit. This is where shipping insurance and carrier liability insurance come in.

Know Your Insurance Coverage Before You Ship a Car

Every car shipping company is legally required to carry carrier liability insurance. That’s a great starting point — but it may not be enough.

Why? Because:

• Coverage limits vary
• Damage exclusions may apply (like weather)
• Some policies require proof and strict documentation

If your car is valued over $10,000 or is leased, consider supplemental car shipping insurance or full-value protection. This ensures your car shipping experience is stress-free, even in case of damage or loss.

Ask carriers about:

• Insurance cost and deductible
• Claim procedures
• Coverage for theft, vandalism, or weather
• Limits on liability insurance

Car Shipping Checklist for Parents and College Students

Before handing over your student car to a transport company, follow this checklist:

• Take daylight photos from all angles
• Note existing scratches or dents
• Remove valuables, personal items, and parking passes
• Disable toll tags and alarms

Popular College Car Shipping Routes & Costs

Shipping your vehicle from New York to Florida or California to North Carolina is common and safe.

Factors include:

1. Distance
    
2. Time of year
    
3. Size of the vehicle
    
4. Type of transport: open or enclosed
    

Want to save money? Choose open car transport, and be flexible on dates.

Tips for Students Shipping Their Own Car

First time arranging auto transport?

Avoid just grabbing the cheapest quote. Look at:

• Carrier reputation
• Auto transport insurance options
• Real reviews

Peace of mind matters more than saving $100 when your car is shipped 2,000 miles away.

Also: Some providers offer college student car shipping discounts, especially during back-to-school season.

When to Book Car Shipping for College

Back-to-school is peak season for student car shipping. Don’t wait.

• Book at least 2–3 weeks in advance
• Expect higher prices in July–September
• Add a 1–2 day buffer to your delivery timeline

Planning ahead gives you more options and better rates from reputable auto transport companies.

Final Advice from an Auto Transport Pro

• Don’t assume — confirm insurance coverage
• Don’t delay — book early
• Don’t settle — choose a car shipping service for students that’s safe and verified

Whether you’re a student doing this solo or a parent coordinating the move, you don’t have to do it alone.

📞 Have questions? Call us at (844) 416-2544. We’ll help you ship smart — no pressure, just real answers.

What is the importance of car shipping insurance for students?

Car shipping insurance is essential for students who are shipping their vehicles to college. It protects against potential damage that may occur during transport, ensuring that the car is covered and that the student is not left with unexpected repair costs. Without adequate insurance, students risk financial loss if their vehicle is damaged in transit.

What types of auto transport insurance are available for students?

Carrier's insurance, which is provided by the transport company, and personal auto insurance, which can, in instances, also cover the car while it is being shipped. 

How does shipping insurance work when transporting a vehicle?

Shipping insurance works by providing financial protection against damage that may occur during the transport process. When a student ships their car, they can opt for coverage that protects against loss or damage, ensuring that they are compensated for any issues that arise. It's important to read the policy details to understand what is covered and the claims process.

What should students do if damage occurs during vehicle shipping?

If damage occurs during vehicle shipping, students should immediately document the damage and report it to the transport company. They will need to file a claim with the insurance provider to seek compensation for the repair costs. Having a clear record of the condition of the car before shipping can help streamline the claims process.

Can students use their auto insurance for car shipping?

While all of our carriers have cargo insurance required by law, students can use their auto insurance for car shipping if their policy covers such situations as an extra layer of protection. However, they should check with their insurance provider to ensure that their coverage extends to shipping and that they meet any requirements set forth in their policy.

What are the risks of not having insurance when shipping a car?

Not having insurance when shipping a car poses significant risks, including financial loss from damage or theft during transport. Without coverage, students may be responsible for all repair costs if their vehicle sustains damage, creating a financial burden that could impact their college experience.