RV insurance helps protect your motorhome, camper, or trailer in the case of unforeseen circumstances like an accident or severe weather conditions. In most states, RV insurance is required by law. When shopping insurance companies, make sure to take into consideration the class of RV, how often you’ll use it (for seasonal travel or full-time residence), and the minimum requirements mandated by your state. Some companies may have lower premiums but are best suited for part-time RVers and don’t cover as much in personal property. That’s why it’s important to compare quotes to see what is and isn’t included in a policy.
We reviewed 11 carriers to find the best RV insurance companies based on price, coverage, exclusions, and more so you can find the right one to match your needs.
The 7 Best RV Insurance Companies of 2020
Best Overall: National General
National General has been accredited by the Better Business Bureau since 1960 and currently has an A+ rating. We picked this company as the best overall RV insurer because it offers a lot of customization options, insures almost any type of RV (including trailers), and provides myriad discounts. In addition, it's easy to get an initial quote online. Prices can be as low as $271 (before discounts) per year, which includes comprehensive and collision coverage, personal effects, vacation liability, and RV emergency expenses.
National General is one of the largest insurance companies to offer one of the widest varieties of insurance for all classes of RVs (even including pop-up trailers). Aside from general liability, you can get coverage for specialized equipment, full replacement cost, and personalized belongings as add-ons. Plus, you can get coverage whether you’re a full-time RVer or only use your vehicle recreationally.
The company also provides the option to suspend your coverage if your RV is in storage, and you can earn both safe driver discounts when you complete an RV driving course and low mileage discounts. Other perks include search assistance if your RV is stolen or totaled (customer service reps will find you a new RV similar to your old one), a theft reward of $500 to whoever provides leads for finding your vehicle, free RV inspections after repairs, and emergency coverage of $250 a day for food and lodging expenses if you're more than 50 miles from home.
Runner-Up, Best Overall: Progressive
Founded in 1937, Progressive is one of the largest insurance companies in the U.S. and offers a variety of products such as auto, home, and RV insurance. The insurer is highly rated—A+ (superior) from AM Best and AA from Standard & Poor's. We picked it as our runner-up because, like National General, you can quickly get an initial quote online, there are different discounts and customized policies are available (though not as many as National General), and there is an opportunity to bundle other types of insurance with Progressive. However, the company's standard plan doesn’t include replacing personal effects and emergency expense coverage.
Progressive's annual policies start at $125 for basic liability that covers all classes of RVs, including truck campers and utility trailers. One of Progressive's strengths is that it offers different ways to receive discounts and a variety of customization options.
Progressive's standard coverages include comprehensive and collision, liability (only for motorhomes), uninsured or underinsured motorists, and medical payments for you and your passengers. You can add extras such as total loss replacement, roadside assistance, vacation liability (from $10,000 to $500,000 in coverage), full timer's liability, loss assessment pet injury coverage, and emergency expense coverage.
There are also opportunities for discounts such as bundling different Progressive insurance policies, paying in full upfront, and receiving a quote in advance.
Best Discounts: Nationwide
Launched in 1926 and originally known as Farm Bureau Mutual Automobile Insurance Company, Nationwide is a Fortune 100 company that offers a range of insurance products, including for RVs, and has an A+ rating from the Better Business Bureau. We picked this insurer as having the best discounts because it offers a longer list than many other insurers, including home and auto, safety training, and claim-free discounts.
Nationwide insures all classes and ages of RVs—motorhomes up to $500,000 in value and up to $300,000 for towables. The insurer offers some of the best comprehensive and collision coverage, which includes total loss replacement or purchase price coverage, $750 in roadside assistance, $10,000 vacation liability, and $1,000 custom equipment coverage. Add-ons include replacement cost for personal effects, vanishing deductibles, increased roadside assistance, and coverage for driving in Mexico.
A lengthy list of discounts is one of Nationwide's best perks. In addition to multi-vehicle, multi-policy, and bundle discounts, you can save money for claim-free renewals, completing a safety course, being part of an RV association, paying in full, and purchasing the company's Full Timer's package.
You need to call Nationwide’s toll-free number or find an independent agent to obtain a quote. We tried to find a price for the lowest annual premiums but weren’t able to get an accurate representation of what policyholders can anticipate paying.
Best for Part-Time RVers: Safeco
Founded in 1923, Safeco has been part of Liberty Mutual Insurance since 2008 and has an A rating from the Better Business Bureau. We picked Safeco as the most ideal choice for part-time RVers because it offers the best customization options for those who aren’t on the road 365 days a year. This insurer allows you to customize your policy and insures motorized vehicles up to $1 million in value and towable homes and trailers valued at up to $300,000 (these numbers may differ by state).
Safeco is also one of the few RV insurance companies to offer options such as pet coverage, electronic lock and key replacement, vacation liability, audio-visual, and custom equipment protection. It also offers worldwide coverage for damage or indirect loss of use for rental vehicles.
Safeco provides three total loss settlement options: receive the actual cash value, replacement cost (only for newly purchased RVs), or agreed value coverage. Policyholders are also privy to discounts for being claims-free each year (up to a 5% discount), diminishing deductible, and accident forgiveness discounts. Unfortunately, full-time RVers will have to look elsewhere because Safeco will only cover RVs for those who use their vehicles 250 days or less per year. Like Nationwide, you will also need to call to receive a quote—Safeco has a list of independent agents you can contact for one, but that's not quite as convenient as being able to do so online.
Best for Full-Time RVers: Good Sam
Rated A+ by the Better Business Bureau, Good Sam offers policies for both full- and part-time RVers. We chose this company as the best insurer for full-time RVers because aside from customized quotes online, you can sign up for a Good Sam membership to receive discounts from participating gas stations, Good Sam camping sites, your insurance policy, and more. The more time you spend on the road, the better your membership benefits are.
This full-service insurance agency offers options from four major insurance providers to help you create a customized quote online that's particularly valuable in assessing the coverage of a full-time RVer. The insurance company states that their full-time RV coverage is similar to what you’ll get for homeowners insurance. Some of these options include personal liability for full-time RVers, vacation liability, emergency expense allowances, medical payments for others not on your policy, and permanent attachments coverage. Standard coverage includes $3,000 in personal property coverage but not full replacement cost coverage—that is an add-on.
Policies before discounts may start as low as $224 per year, and Good Sam offers policies for all types of RVs—including motorhomes and fifth-wheel trailers.
Most Customizable: Farmers
Founded in 1928, Farmers Insurance has dished out more than 19 million individual policies throughout the U.S. and has a B++ (good) rating from AM Best. We chose this insurer as the most customizable because it allows you to build your policy with the coverage you need, keeping it affordable but effective.
Farmers offers coverage for motorized homes, fifth-wheel trailers, and travel trailers, plus options for people who use their RVs as their full-time residence. Aside from standard collision and comprehensive coverage, you can customize your policy by adding on total loss replacement, emergency expenses, towing and roadside assistance, and campsite or vacation liability coverage.
To receive a quote, you’ll need to seek out an independent insurance agent in your community. Farmers agents are small business owners with offices in the communities they serve and provide personalized service.
Best Bundle (Auto + Home): Allstate
Allstate was founded in 1931 and maintains an A+ rating from the Better Business Bureau. The company provides specific discounts to policyholders when they bundle a homeowners and auto insurance policy with their RV insurance. It also offers additional discounts such as crediting you for years insured with another carrier and being 55 years or older (you can’t be actively seeking employment, however). These discounts are not common among other insurers.
With Allstate, however, you are limited to insuring motorhomes and there aren't as many coverage options compared to the others on this list. Allstate's policies offer collision and comprehensive coverage, plus add-ons such as personal injury protection coverage, towing and labor costs coverage, medical payments coverage, uninsured or underinsured motorist coverage, and coverage for your sound system.
You’ll need to call an independent insurance agent to receive a quote; Allstate agents maintain their own clients, which makes their business relationships more personal.
What Is RV Insurance?
RV insurance is designed to protect against theft, loss, or accidents related to your recreational vehicle (RV). This type of insurance is similar to auto insurance—you’ll have liability limits and perhaps RV coverage—and similar to homeowners insurance in that policies typically also cover personal property, permanent attachments, and bodily harm.
Different types of RV classes can also affect your policy premium. There are two main types of RVs: motorized and towable. Motorized vehicles are divided into Class A, B, and C, with Class A being the largest one, offering the most amenities and therefore most likely to have higher premiums. Towable homes include travel trailers, teardrop trailers, fifth-wheel trailers, and pop-up campers.
What Does RV Insurance Typically Include?
Every RV insurance policy must have liability coverage while driving; you’ll need at least the minimum liability coverage for the state where your RV is registered. Other coverage options include comprehensive (protection from theft, windshield damage, vandalism, acts of nature, or impacts with animals) for the RV itself, personal belongings coverage, and medical payments.
Depending on how much coverage you get, your premiums may change. For example, if your state requires 10/20/20 in liability coverage, you’ll need bodily insurance that will cover $10,000 per individual, $20,000 for each accident, and $20,000 for property damage, per accident. If you increase any of these amounts, your premiums will also go up.
What Does RV Insurance Typically Exclude?
RV insurance may not cover the vehicle that tows a trailer, so you’ll need to have a separate auto insurance policy. Plus, RV insurance isn’t necessarily required by law for towable homes, whereas motorized vehicles must have insurance.
RV insurance generally provides property coverage with some exclusions. For example, it won't cover losses or damages caused by animals, insects, rodents, or birds if the vehicle is parked. In addition, most water damage is most likely not covered. Damage from a broken water pipe, a leaking dishwasher (or a similar type of appliance), or a tree branch breaking a window may be covered, however.
For garaged RVs, you might lose coverage if the space is not reserved for your exclusive use. Policies may differ, so it’s best to check with your insurer to see what’s covered and what’s not.
What Are the Expected Costs of RV Insurance?
How much your RV insurance will cost depends on factors such as the vehicle's class, whether you live in it full-time or use it occasionally, prior claims, and your driving history.
For example, Class A RVs are usually the most expensive to cover since they’re larger and have more features. That's followed by Class C, and down to Class B. In general, the larger the trailer, the higher your premiums.
Minimal coverage is obtainable for as little as $200 per year, but where you live can have a huge impact on the cost. One of the most expensive states is Michigan, where the median motorhome insurance is approximately $4,490 annually because residents are required to have personal injury protection coverage for every RV. That coverage is optional in other states.
Other factors include your deductible amounts and the limits you set on your policy—the lower your deductible, the more expensive the policy. If you’re opting for additional coverage like roadside assistance, costs will also go up.
Making an RV Claim
The last thing you want to happen while you’re on the road is to get into an accident. In the event that it does, you want to be prepared and have what you need to make a claim.
Here are some best practices for making an RV insurance claim:
- Take photos
- Keep all your receipts
- Talk to your agent and other RVers
- Get a police report
- Be honest
How We Chose the Best RV Insurance Companies
Our research process started by focusing on national providers that have a history of financial success. We looked at 11 companies and used factors such as types of coverage for emergency expenses, discounts, exclusions, coverage of total loss replacement, and whether plans cover different RV classes to compile our list.
Better Business Bureau. "National General Insurance Company." Accessed on April 7, 2020.
Nationwide. "Nationwide’s corporate history." Accessed on April 7, 2020.
Better Business Bureau. "Safeco Insurance Companies." Accessed on April 7, 2020.
Better Business Bureau. "Good Sam Enterprises, LLC." Accessed on April 7, 2020.
A.M Best. "The Farmers Fire Insurance Company." Accessed on April 7, 2020.
Better Business Bureau. "Allstate Insurance." Accessed on April 7, 2020.
Progressive. "Is RV insurance required?" Accessed on April 7, 2020.