If you own an RV, motorhome, or camper, having RV insurance is important. Not only is it required by law in most states, but it will protect you financially if you are in an accident.
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Whether you live in your RV full time or just use your RV for occasional weekend travel, choosing the best possible insurance coverage is an important part of being an RV owner, so you’ll want to shop around and compare quotes to find the lowest rates.
Progressive is our pick for the best RV insurance company because of its low rates and wide variety of available coverages.
Good Sam is number two on our list of best RV insurance companies because of its total loss replacement benefit and special coverage for people who live in RVs full time.
When buying RV insurance, you’ll want to decide how much coverage you need, figure out which insurance company is right for you, and consider any available discounts before purchasing a policy.
Which RV insurance is the best?
Progressive tops our list of the best RV insurance companies. Progressive has the lowest average RV insurance rate at $978 per year, and they offer the ability to bundle a wide variety of policies, including home, auto, motorcycle, and renters insurance.
Progressive also offers a variety of extra coverages, such as pet coverage and accident forgiveness, that can be valuable for RV drivers.
With an average insurance rate of $1,336 per year, Good Sam insurance agency came in second on our list of best RV insurance companies. They offer total loss replacement for RVs and travel trailers, as well as special coverage and rates for people who travel by RV full time.
Good Sam RV insurance is run through National General, an insurance company that is owned and operated by Allstate, and is one of the most popular RV insurance companies on the market.
Both companies cover a wide range of RVs, including travel trailers, pop-up campers, and Class A, Class B, and Class C motorhomes.
Many other insurance companies offer RV insurance, including Allstate, GEICO, Auto-Owners, Farmers, Safeco, and The Hartford, but most big insurance car insurance companies that also offer RV coverage don’t have online rates for RVs available like they do for standard auto policies.
What insurance should I have on my RV?
Like a car insurance policy, Recreational vehicles need to have many of the same types of coverage as any other car, including:
RV owners may also need to buy other types of coverage that are common for auto policies, such as gap insurance or roadside assistance, depending on their individual needs.
But unlike auto insurance, RV policies have special coverage options that make sense for mobile vacation homes — like custom equipment protection to cover any modifications you’ve made to your RV, or personal effects coverage for the belongings inside your RV or camper.
➞ Learn more about what insurance coverage you need for an RV
What is the average price for RV insurance?
Like car insurance, RV insurance coverage costs will vary based on a number of factors, including the make and model of your RV, how many days per year you drive it, your age, and your driving record.
Some smaller, more affordable models can be insured for less than $1,000 per year, but bigger, more expensive RVs could cost $1,500 to $2,000 (or more) to insure each year.
Who has the least expensive RV insurance?
While Good Sam is one of the most popular RV insurance companies, it’s not the most affordable, at least based on sample rates for a 2017 Sunseeker. We found that Progressive had the cheapest RV insurance, at $978 a year.
RV insurance company
Annual rate for a Sunseeker by Forest River
Like with auto insurance, comparing RV insurance quotes from multiple companies is the best way to make sure you are getting the lowest possible rate.
How to buy the best RV insurance?
Whether you just bought a new RV or motorhome, you’re shopping for new coverage, or you’re thinking of doing a van conversion, there are several steps to finding the best RV insurance.
Here’s a step-by-step guide to buying RV insurance:
Decide how much coverage you need: Figure out how much (and what types) of coverage you need. For example, driving an RV means you can potentially cause more damage than you would with a smaller vehicle, and basic things like turning corners and switching lanes on the highway are more dangerous, so you may want to choose higher levels of liability coverage.
Figure out which RV insurance policy is right for you: Just because an RV insurance company has the lowest price or the most customers doesn’t necessarily mean it’s the right company for you. Working with an insurance expert, take a look at coverage options and customer service ratings in addition to insurance rates to make sure you are getting the best possible coverage.
Figure out what discounts are available: You can earn RV insurance discounts by bundling your policies with one company, keeping your driving record clean, and taking a defensive driving course.
Purchase the RV policy: Once you know which RV policy you want, fill out any necessary paperwork and make a payment to buy coverage and get your insurance cards and declarations page. Many companies offer a discount if you pay in full, so making one big payment can save you money over making monthly or quarterly payments.
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Frequently asked questions
How much does RV towing cost?
The cost of RV towing varies from one location or company to another, but you could reasonably find towing rates between $4 and $7 per mile for an RV.
What is the difference between RV insurance and auto insurance?
Both car insurance and RV insurance can cover liability, comprehensive, and collision coverage, along with some other add-on benefits, like roadside assistance. RV insurance is different because it offers benefits like personal property coverage, permanent attachment protection, vacation liability, and other types of coverage designed for people who are traveling (or living in) an RV.
Does RV insurance cover storm damage?
If you have comprehensive coverage, your RV is covered for storm damage like hail, flood, wind, falling objects, and other natural disasters.
Does RV insurance cover electrical problems?
Coverage varies from one company to another, but RV coverage usually includes both mechanical breakdowns and battery failure, both of which could contribute to electrical problems.
Policygenius used online quoting systems provided by carriers to get sample quotes for a 2017 Sunseeker by Forest River. We used the following coverage limits to calculate the cost of full coverage for drivers:
Bodily injury liability: $100,000 per person, $300,000 per accident
Property damage liability: $50,000 per accident
Uninsured/underinsured motorist coverage: $50,000 per person, $100,000 per accident
Comprehensive: $500 deductible
Collision: $500 deductible
Our sample vehicle was a 2017 model driven 30 days per year. Our sample driver was a 30-year-old single male with a clean driving record living in ZIP code 06824. Rates provided are a sample of costs. Your actual quotes may differ.