7 Best RV Insurance Companies of August 2024 News ad

Money’s Main Takeaways

• RV insurance is essential for both full-time RV living and occasional trips.

• Premiums are based on factors such as your driving record and your RV’s type, age and condition.

• Our top picks include Good Sam, National General and Auto-Owners Insurance.

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Our Top Picks for the Best RV Insurance Companies

Note: The following companies are listed in alphabetical order.

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Best RV Insurance Reviews

Why we chose this company: Auto-Owners is our pick for personalized customer service because of its network of independent agents, online customer center and mobile app. Customers can access claims, billing and other important policy documents on their phone, tablet or computer.

Auto-Owners has an impressive customer service record and fewer complaints with the National Association of Insurance Commissioners (NAIC) than most of its competitors. It also ranked above average in the Southeast region in the J.D. Power 2022 Auto Insurance Customer Satisfaction Study.

Unlike other companies, Auto-Owners only sells its insurance products through independent agents. This means that instead of contacting the company online, you work directly with local agencies that can better advise you regarding the specific insurance requirements in your area. For example, bodily injury and property damage liability limits set by law vary by state.

Learn more: Auto-Owners RV insurance review

See rates on Auto-Owners’s Secure Website >>

Why we chose this company: Good Sam Insurance Agency is the best option for people who need help selecting coverage. It connects you with some of the best RV insurance companies to help you get the right coverage level for your needs.

Good Sam works with renowned insurance providers like Progressive, Foremost, Safeco, and National General to offer a range of standard coverage options. Additionally, through its partnership with MexicoInsuranceOnline.com, the agency connects clients to Mexico-based insurers and offers tailored add-ons for cross-border travel, whether for single-day or extended stays.

The company also offers a storage discount, allowing policyholders to reduce monthly premiums by suspending collision and liability coverage if their RV or trailer remains unused for over 30 days. Furthermore, Good Sam assists in crafting personalized policies for full-time RVers.

Learn more: Good Sam RV insurance review

See rates on Good Sam’s Secure Website >>

Why we chose this company: Full replacement cost coverage can usually only be bought during an RV’s first model year. National General, on the other hand, lets you get the rider within an RV’s first five model years.

With full replacement cost coverage — also called total loss replacement — your RV is replaced with a new or similar one if it’s totaled or stolen, potentially reimbursing you for the original purchase price. This coverage is typically only available for newly purchased motorhomes or travel trailers up to one or two model years old. If you buy a used RV or don’t insure your new one as soon as possible, you risk it being considered ineligible.

With National General, RVs are eligible during their first five model years, regardless of ownership (some companies limit this type of coverage to original owners). It also offers the flexibility to pause coverage during storage, helping you save on premiums while protecting against theft, fires, weather damage, and more.

Learn more: National General RV insurance review

See rates on National General’s Secure Website >>

Why we chose this company: Nationwide Insurance offers over 10 different discounts, including discounts for staying claim-free during the previous policy period or installing safety devices, like smoke detectors.

Most RV insurers offer discounts, but Nationwide’s list is notably extensive. You can save by bundling your RV policy with home insurance, taking safety courses, joining an RV organization like the National RV Association, paying your annual policy upfront or opting for Nationwide’s full-time RV insurance package.

Note that not all discounts are listed on Nationwide’s website, and some only come up during the quoting process. For example, a customer service representative told us the company also offers discounts to customers whose vehicles have safety features such as tire-pressure monitoring systems or fiberglass bodies.

Learn more: Nationwide RV insurance review

See rates on Nationwide’s Secure Website >>

Why we chose this company: Progressive offers disappearing deductibles, accident forgiveness and an extensive array of discounts.

With Progressive, you can save on premiums if you’re the RV’s original owner or pay your policy in advance, among other discounts. However, Progressive stands out from competitors because it offers both disappearing deductibles and accident forgiveness.

Unlike competitors, Progressive doesn’t cap its diminishing deductible benefit at $500. Instead, it reduces your deductible by 25% each claim-free period, up to $0 after four periods. While it costs extra, the feature is automatically included when you purchase comprehensive and collision coverage for vehicles valued at $25,000 or more. Accident forgiveness for claims of $500 or less is included at no cost.

See rates on Progressive’s Secure Website >>

Why we chose this company: Insurers typically decline coverage if you rent your RV to someone else. With Roamly, you can rent out your RV and still be covered for liability and damage to the vehicle.

Rented RVs require comprehensive commercial insurance due to their higher risk exposure when compared to personal vehicles. Failing to insure your motorhome or camper when renting it out can lead to denied claims, especially if the renter lacks coverage.

With Roamly, your RV remains covered when you list it on rental platforms like Outdoorsy (owned by Roamly). Renters who book your RV can opt for a package that includes travel medical insurance as well as trip and interior damage coverage. Roamly’s policies cover rented RVs for their actual cash value during the rental period and provide $1 million in liability insurance per trip.

Learn more: Roamly RV insurance review

See rates on Roamly’s Secure Website >>

Why we chose this company: RVInsurance.com can help you find a suitable policy, whether you use your RV for vacationing or as your residence.

RVInsurance.com works with Foremost, National General and Safeco. These companies cover all RV types, from motorhomes to campers. They offer several policy add-ons, such as full replacement cost, full-timers liability coverage and roadside assistance.

You can get a quote online, but calling to speak with an insurance specialist lets you compare policies in more detail.

See rates on RVInsurance.com’s Secure Website >>

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Other RV Insurance companies we considered

During our research for the best recreational vehicle insurance providers, we narrowed down our initial list to 7 companies. The following didn’t make our final cut, not because they were lacking, but because other competitors had more standout features.

AAA

AAA offers coverage for different types of RVs and some of its policies also cover personal effects such as electronics. However, it didn’t make our list because it doesn’t offer coverage in all 50 states.

See rates on AAA’s Secure Website >>

Allstate

Allstate’s policies include emergency travel expenses if you’re over 50 miles from home when your RV breaks down and the issue is covered under the policy. Allstate is not on our main list because it only provides quotes through its sales agents and the information on its website is limited.

See rates on Allstate’s Secure Website >>

Geico

While Geico offers coverage options comparable to those of other companies on our list (such as total loss replacement, emergency expenses coverage and vacation liability), its policies aren’t available nationwide. Its website also lacks crucial details, such as available discounts.

See rates on Geico’s Secure Website >>

Safeco

Safeco covers class A, B and C motorhomes valued at up to $1 million, but only if used recreationally. It didn’t make our list because its website doesn’t offer much information and coverage is limited to vehicles used less than 250 days a year.

See rates on Safeco’s Secure Website >>

Foremost

Foremost, a subsidiary of Farmers Insurance, sells full-timer and travel trailer coverage. It also covers personal-use motor homes you occasionally rent, lease or loan. It also covers personal-use motor homes that you occasionally rent, lease or loan. Unfortunately, this policy doesn’t cover the vehicle while it’s rented, leased or loaned.

See rates on Foremost’s Secure Website >>

Farmers

Despite offering coverage in Canada, Farmers Insurance fell short of our list due to limited information regarding specific coverages and discounts on its website. This lack of transparency makes it challenging for consumers to assess the scope and value of its policies.

See rates on Farmers’ Secure Website >>

USAA

USAA offers RV insurance through an alliance with Progressive, which covers almost all RVs. The drawback to USAA’s policies is that they’re only available to military families.

See rates on USAA’s Secure Website >>

Country Financial

Country Financial’s RV insurance policies fall under home or car insurance, which can be a drawback for consumers who already have a preferred auto or home insurer. Another notable snag in its coverage is that it’s available in only 19 states.

See rates on Country Financial’s Secure Website >>

National Interstate

National Interstate offers policy options for RV full-timers and covers commercial RVs. However, this insurer is not featured on our main list because its website doesn’t provide details regarding policies or discounts.

See rates on National Interstate’s Secure Website >>

The Hartford

The Hartford allows policyholders to customize their RV insurance coverage, and its lifetime guarantee for repairs in authorized shops is a highlight of its policies. However, coverage is only available to AARP members, which is a considerable drawback.

See rates on The Hartford’s Secure Website >>

RV Insurance Guide

Like auto insurance, RV insurance offers financial protection for accidents, injuries and other unforeseen events. It can cover repair costs, medical bills and liability expenses if you injure someone or damage their property.

While comprehensive policies covering collision, theft and personal belongings are widely available, occasional RV users may not need such extensive coverage. Read on for information on RV insurance costs, coverage options and tips for selecting the right policy for your needs.

Table of contents

How much is RV insurance?

The cost of RV insurance can be as high as $5,000 per year, according to some sources) depending on the type of vehicle you own, its age, condition and features, and whether you live in it full-time.

Factors that affect your RV insurance premium

The following factors influence the cost of an RV insurance policy:

• The type of RV: Motorhomes are more expensive to insure than trailers (especially those with state-of-the-art components).

• Age and condition: Older trailers and motorhomes cost less to insure due to their reduced resale value.

• Type of RV insurance: A policy with just liability coverage is more affordable than a comprehensive one with collision and personal property coverage.

• Where you live: Your state and zip code affect your insurance rates. RVs in areas prone to extreme weather will be more expensive to insure.

• Driving experience and driving record: A first-time RV owner poses a higher risk than an experienced RVer. Insurers will also review your general driving record to determine an appropriate rate.

• Claims history: A lengthy claims history is a red flag to insurers. Drivers who have never filed a claim will get much better rates than those who have.

• Additional coverage: Purchasing add-ons such as roadside assistance, total loss replacement, vacation liability and full-timers coverage will increase your premium.

Common RV insurance discounts

While these may vary by company, most insurers offer rate discounts for:

• Bundling multiple policies
• Paying the total annual policy upfront
• Making monthly payments on time
• Staying claim-free during the previous policy period
• Being the vehicle’s original owner
• Installing safety features in your RV
• Having a favorable record of insurance losses
• Staying accident-free for at least three years
• Taking safety courses
• Being a member of an RV association
• Signing up for paperless billing

Drivers aged 50 and up may also snag a lower rate, as can parents or guardians who don’t insure drivers under 25 on their policy.

RV insurance options

Since RVs can be both vehicles and primary residences, getting them insured requires specific considerations. Policies can range from basic liability protection to comprehensive coverage of personal effects or even emergency expenses.

If your RV is self-propelled, it must meet your state’s minimum liability insurance requirements, whether you use it occasionally or as a residence. The insurance policy on the towing vehicle for a towable RV may extend to cover liability but typically doesn’t include physical damage to the RV or attached accessories.

Best coverage for part-time RVers

People who use their motorhomes for weekend getaways should at least have basic liability coverage that meets their state’s minimum requirements.

Additional types of RV insurance for part-time RVers include:

• Property damage liability coverage: Pays for damages you cause to another person’s property or vehicle.

• Bodily injury liability coverage: Helps pay the medical expenses of those you injure in an at-fault accident.

• Collision coverage: Covers repairs to your RV after an accident with another vehicle, whether you’re at fault or not.

• Comprehensive coverage: Pays for damages caused by theft, vandalism, natural disasters, fire and other non-collision accidents.

• Uninsured/Underinsured motorist coverage: Covers the cost of repairs to your RV and your medical payments if you’re in an accident caused by a driver without insurance or insufficient coverage.

• Personal Injury Protection (PIP): Covers medical expenses for you and your passenger in the event of an accident, no matter who is at fault. It may also cover lost wages.

• Campsite/vacation liability coverage: Helps pay for legal expenses if you’re deemed responsible for injuries or losses incurred by a non-family member at a campsite or inside your RV.

• Roadside Assistance: Offers around-the-clock repairs, towing and emergency assistance should your RV experience a flat tire, battery discharge or other malfunction.

Best coverage for full-time RVers

For additional peace of mind, full-time RVers should consider getting a more comprehensive policy that includes some of the add-ons mentioned above as well as any of the following:

• Personal property coverage: Covers the cost of replacing any damaged or stolen personal effects such as clothing, furniture, jewelry, and computers.

• Total loss replacement: Replaces your RV with an equal or similar model if your vehicle is stolen or totaled in an accident. In other cases, the insurer may reimburse you for the original purchase price. Lenders may require this coverage if you finance your RV.

• Full-time RV liability coverage: Adds additional coverage for liability and medical expenses if you live in your RV for six months or more each year.

• Emergency expense allowance: Covers up to a specified amount of living and travel expenses like car rentals, lodging and food if your RV leaves you stranded, usually more than 100 miles away.

• Specialized coverage: Can replace appliances like awnings, satellite dishes, and solar panels and can even provide coverage for any pet injuries that happen in the vehicle.

• Loss assessment: Helps cover fees RV associations charge for damage to common areas in a campsite, for example.

What RV insurance doesn’t cover

RV insurance won’t cover the following:

• Normal wear and tear: RV insurance protects your vehicle against unexpected events, not routine maintenance or deterioration.

• Mold damage, fungi or rot: Insurers view mold as a sign of neglect and will not cover damages unless they are directly linked to water damage caused by a covered event.

• Certain types of water damage: RV insurance doesn’t cover water damage caused by regular wear and tear, freezing temperatures or manufacturer defects.

• Earthquake damage: RV insurance covers most natural disasters, including floods, storms and fires, but earthquake coverage varies by insurer.

How to Buy RV Insurance

Here are some tips on how to find and purchase the right RV insurance coverage for you.

1. Determine the coverage you need

Whether you use your RV for full-time living or occasional trips will determine the coverage options you need, whether liability only or additional coverage options such as collision, comprehensive or personal effects.

Remember that your auto insurance policy may cover towable campers or trailers but not motorhomes. And while it covers liability and damages to the RV, it generally excludes belongings or appliances inside. Homeowners insurance may also offer some coverage, but only when the RV is parked on the insured property.

2. Shop around for RV insurance quotes

RV insurance costs depend on your driving history, location, type of vehicle and usage, and the optional riders you select. To get the most affordable premium for the coverage you need, compare quotes from multiple insurers. Consult an independent insurance agent if you don’t have time to shop around.

3. Look for discounts and consider bundling multiple policies

Most insurers offer multi-policy discounts, helping you save on premiums by combining your RV policy with auto, home, renters, boat or even life insurance policies. Bundling can also help you avoid the hassle of dealing with different companies when you have to file a claim. Other discounts vary by insurer but could also result in significant savings.

4. Consider RV rental insurance

If you plan on renting an RV for a vacation, consider getting RV rental insurance. This type of policy usually provides liability, collision damage waiver and coverage for personal accidents or personal effects. You can purchase a policy through the rental company or your insurer.

However, remember that your current car or RV insurance policy may already extend some rental RV coverage. Coverage may not be available in some states or for trips longer than 30 days, so call your insurer to verify before heading out.

Renting out your RV

If you rent your RV to others, it’s considered a commercial-use vehicle, and your insurance policy won’t cover the renter. The person must obtain their own rental insurance.

However, when you rent out your vehicle on platforms such as RVshare, Go RV Rentals and RV Plus, these companies have their own insurance policies that cover the RV while it’s being rented out. If you go this route, make sure you evaluate each company carefully, looking into commission fees, support, renter screening, and overall protection measures. Remember to do some market research as well, to make sure you write a great listing and set competitive rates.

Bear in mind that some states — including Arkansas and Wisconsin — require drivers to get special licenses to drive RVs. If you live in one of these states and lend your RV to someone, that person must have the required license if you want your insurance policy to cover them.

What kind of insurance do I need to rent out my RV?

To rent out an RV, you’ll need at least liability coverage, which pays for damages or injury you may cause to other people and their property in an at-fault accident. Except New Hampshire, all states and the District of Columbia, require that vehicles, including RVs, have liability coverage.

Insurance for towable RVs is another matter. When you tow your RV behind another vehicle instead of driving it, you only have to worry about having enough coverage to protect your belongings, not additional liability insurance.

How We Chose the Best RV Insurance

• Coverage options and discounts: We picked companies that offer a comprehensive selection of coverage options and premium discounts.

• Customer satisfaction: We favored companies with above-average scores in J.D. Power’s latest U.S. Auto Insurance Study and considered customer feedback from review sites such as the Better Business Bureau (BBB).

• Financial strength: We considered each insurer’s financial stability, as evidenced by its AM Best financial strength rating (FSR). AM Best is a credit rating agency that assesses insurance companies’ creditworthiness.

• Complaint index: We looked up every insurer’s complaint trend report from the National Association of Insurance Commissioners (NAIC) and favored those with few complaints.

Summary of Money’s Best RV Insurance of August 2024