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Best RV Insurance Companies

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Recreational vehicle (RV) insurance is tailored to fit the individual needs of RV owners. Read our guide to find the best RV insurance for you. We look at what RV insurance policies cover, how much they cost and what you need to apply.

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What does RV insurance cover?

Standard RV coverage

The point of owning an RV is to have the ability to travel from state to state in comfort, which means you'll need comprehensive and collision insurance as well as bodily injury, property damage liability coverage and uninsured motorist coverage that applies wherever you travel. Standard RV coverage isn’t much different from regular auto insurance, but the risks involved are potentially much higher since RVs cost more to fix and replace and the number of people traveling in the RV is likely to be higher than in a car.

  • Bodily injury and property damage: This ensures that your legal liability to a third party as a result of an accident involving your motorized home is covered. This coverage is required in most states.
  • Comprehensive and collision: This covers the cost to repair your RV if it is stolen or damaged in an accident.
  • Medical payments: This covers medical costs incurred as a result of an accident in your RV, regardless of who is at fault.

Contents coverage

Like your home, your RV is full of valuable items that may or may not be replaceable. Contents insurance helps save you money in case of the loss or damage of these items.

  • Theft: Theft coverage ensures you receive compensation for any items stolen from inside your RV.
  • Damage: If any insured items within the RV are damaged (not due to negligence), you can collect from your insurance company to repair or replace them.
  • Loss: In some cases where items have been lost, your insurer will help you replace them.

Emergency expense allowance

If your RV breaks down and you are stranded without amenities, emergency expense allowance should cover your immediate and basic needs.

  • Food: Most insurance companies will cover up to $100 per day for meals if your vehicle is stolen or damaged.
  • Lodging: In the event that you cannot stay in your RV as planned, you can collect emergency allowance for a hotel or similar accommodations.
  • Emergency transport: This emergency allowance covers you in case you need transportation to a hotel or repair station while away from home or your planned destination.

Full-timer coverage

Some people live in their recreational vehicles as their primary residence, in which case they are referred to as "full-timers."

  • Personal liability: Coverage for bodily harm and property damage with an accident that is the RV owner's fault.
  • Medical payments: Coverage for any necessary medical payments to others involved in an accident.
  • Loss coverage: Coverage for amounts charged to the RV owner as part of an association.

Storage coverage

Not everyone lives in their RV full-time. While your vehicle is parked at home or elsewhere and not in use, it is eligible for storage coverage.

  • Damage: While out of commission, your RV will still be covered for damage from fire, hail, flood and other accidents.
  • Suspended collision coverage: Save money on collision coverage and lower your monthly insurance payments while in storage.
  • Replacement coverage: If your vehicle is totaled while in storage, you're still covered for a full replacement.

Permanent attachments

RV owners love to customize their vehicles, often with permanent installations that require their own clause in the insurance contract.

  • Storage bins: These simply make more room available inside the RV, while non-essentials are packed inside.
  • Interchangeable hitch attachments: These parts make pulling rented trailers easier since they attach to a variety of hitch types.
  • Satellite dishes: Many people want the luxury of television while using their RVs. A satellite dish is usually covered with a “permanent attachments” clause.

Optional additional coverage

There are a few additional coverage options you can add on to your RV insurance plan.

  • Pet injury coverage: If you take your dog with you on your RV adventures, consider adding pet injury coverage in case your pet gets injured or ill.
  • Roadside assistance: This coverage will help you if you ever get a flat tire, run out of gas or need any sort of assistance while you’re on the road and unable to get to a repair shop on your own.
  • Water damage coverage: This coverage protects you in the event of water damage.

RV insurance questions

How much is RV insurance?

On average, RV insurance for a motor home costs around $600 a year and insurance for a nonmotorized trailer costs around $300 a year. The specific cost of your RV insurance will depend on your RV. Insurance on a $10,000 nonmotorized trailer will cost significantly less than insurance for a $200,000 luxury RV, for instance. In general, though, expect your RV insurance to cost less than your car insurance.

Other factors that can impact how much RV insurance costs include:

  • Your age: Drivers over the age of 25 will pay less for RV insurance.
  • Driving experience: If you have experience driving a car and RV, you’re less of a risk and will therefore pay less for RV insurance.
  • Credit score: Your credit score is a way to demonstrate your responsibility. The higher it is, the lower your RV insurance will be.
  • Gender: Women tend to pay less for RV insurance than men because they are seen as less risky drivers.
  • Marital status: Married people tend to pay less than single people for RV insurance.
  • Where the RV is stored when it’s not being used: The safer and secure your storage unit, the less you’ll pay for RV insurance.
Do you need insurance for an RV?

RV insurance is required in certain cases, like:

  • Class A or Class B vehicles
  • You don't own your RV outright
  • Your RV is a rental
How much does it cost to insure a motorhome?

The cost of RV insurance depends on a lot of factors, including:

  • Your driving history
  • Your credit score
  • Age of the RV
  • The intended use of the RV

Your insurance provider may have additional criteria for applicants. Work with your provider to see if you’re eligible.

How much does it cost to insure a Class C motorhome?

Insuring your Class C motorhome could cost you anywhere between $800 to $3,000 a year. Decide what kind of coverage you want and work with your provider to find a plan that fits your budget.

How much does it cost to insure a travel trailer?

Travel trailer insurance is generally less than $500 a year. Your travel trailer could already be covered under your car insurance plan. Ask your provider about adding travel trailer coverage, or if it’s already available with your current policy.

How much does it cost to insure a camper?

Camper insurance usually costs around the same amount as travel trailer insurance, so less than $500 a year.

Not sure how to choose?

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    RV insurance reviews

    Explorer RV Insurance Agency

    This RV insurance company offers full coverage that’s available in 48 states, along with storage space for things you can’t fit in your RV. The company’s diminishing deductible policy reduces your deductible by 25% each year that you don’t make a claim.

    • Plans and coverage: Basic coverage includes total loss replacement, awning replacement and custom equipment. Add towing and emergency services to a policy to qualify for 24/7 roadside assistance.
    • Vehicles covered: Explorer RV covers fifth-wheel trailers, horse trailers, RVs, motor homes and travel trailers.
    • Discounts: This company has discounts for bundling and RV club memberships.
    • Standout feature: Explorer RV does renewal reviews, checking in with clients regularly to make sure their insurance policy is still the right fit. If it isn't, the company works to make the appropriate changes.
    Good Sam Insurance Agency

    This insurance company provides specialized RV coverage. It also provides homeowners and auto insurance, the latter of which you can combine with RV insurance for a multivehicle discount.

    • Plans and coverage: This company offers contents coverage, permanent attachments coverage and emergency expenses coverage. The insurance is customizable, and full replacement is a popular add-on.
    • Vehicles covered: Good Sam Insurance Agency covers different classes of motor homes, fifth-wheel trailers, travel trailers, Airstreams and campers.
    • Discounts: Save up to 50% on insurance premiums with a storage option. This prevents overspending on insurance while the vehicle is not in use.
    • Standout feature: This company works with several networks of agents to help customers get the best policy possible.
    RV America Insurance

    This insurance company offers insurance for RVs, marine watercraft, motorcycles, homes and cars. Coverage plans include 24/7 roadside assistance, accessories coverage, collision coverage, emergency expenses, full-timer coverage, high liability limits, low branch collision, personal item replacement and total loss replacement.

    • Plans and coverage: Policies start with liability coverage at $100,000 for each person, $300,000 per accident and $50,000 for property damage. Optional coverage includes up to $1 million of liability protection.
    • Vehicles covered: RVA offers towable trailer coverage for fifth-wheel trailers, travel trailers, truck campers and pop-up trailers. It offers motorized vehicle coverage for class, A, B and C motor homes as well.
    • Discounts: RV America doesn’t advertise discounts on its website.
    • Standout feature: RVA’s coverage includes 24/7 roadside assistance, and it has no limit on expenses for towing to a qualified repair facility. It also covers locksmiths, breakdowns, battery failure, flat tires, fuel delivery, and “entrapment” in snow mud, water or sand.
    Blue Sky RV Insurance Program

    RIS (Recreation Insurance Specialists) administers this company’s RV insurance policies. For every year free of loss, this company reduces its premiums for comprehensive and collision by 50 percent. After two years with no claim, the deductible is reduced to $0. A Purchase Price Guarantee means that, in the event of a total loss on a used RV, buyers receive the purchase price for a motor home, travel trailer, fifth-wheel camper or other RV bought during the past 12 months that is less than 10 model years old.

    • Plans and coverage: Basic coverage includes comprehensive and collision, medical payments, uninsured and underinsured motorist and liability. Add-ons include total loss replacement, vacation liability and emergency expenses.
    • Vehicles covered: Blue Sky offers coverage for motor homes and travel trailers.
    • Discounts: Discounts apply for policyholders who are members of RV associations or own multiple vehicles.
    • Standout feature: Blue Sky’s vanishing deductible program is a great reward for customers who don’t make claims.
    The Hartford RV Insurance

    Known for its other vehicle policies, this company also sells RV insurance. Its claims line is available 24/7, and it has local claims adjusters to assist customers as well. Customers have their choice of repair shop, but repairs made at an authorized facility have workmanship guarantees that last as long as the customer owns the motor home.

    Read more about The Hartford RV Insurance
    Progressive RV Insurance

    This insurance company covers everything from class A motor homes to horse trailers. RV owners enjoy the benefits of standard coverage, in addition to multiple optional riders. The company covers vehicles whether they serve as primary residences or they’re for recreational use. Quotes are available online or by phone.

    Read more about Progressive RV Insurance
    Geico RV Insurance

    Geico RV coverage is available in most states. Customer service is around every hour of the day, and the company has several payment options. Customers who complete a defensive driving course or have a commercial driver’s license pay lower premiums.

    Read more about Geico RV Insurance
    Safeco RV Insurance

    This insurance company covers RVs for people who spend less than 250 days a year in them. Coverage options vary by state, but the company has local agents who help prospective customers know what plans are available in their area.

    Read more about Safeco RV Insurance
    Esurance RV Insurance

    This company is an online insurance platform from the auto and home insurance giant Allstate. It specializes in providing a smooth online experience that lets customers get a quote, sign up for insurance and make claims online. RV insurance is one of the company’s more niche offerings.

    • Plans and coverage: Standard policies include liability coverage, collision coverage, comprehensive coverage, rental coverage, underinsured and uninsured motorist protection and personal effects coverage.
    • Vehicles covered: You can cover almost any type of RV or motor home through Esurance.
    • Discounts: The most common savings through Esurance are for upfront payments, safe driving and high deductibles.
    • Standout feature: Esurance has 24/7 customer service.
    Nationwide RV Insurance

    Switch to this company from another insurer and receive a discount for preexisting RV coverage. It offers basic insurance coverage, plus optional endorsements, like roadside assistance, vacation liability, safety glass replacement, scheduled personal effects, and towing and labor.

    • Plans and coverage: Basic coverage options from Nationwide include bodily injury liability, property damage liability, collision and comprehensive protection, medical payments, and underinsured and uninsured motorist protection.
    • Vehicles covered: Nationwide offers insurance for both motor vehicles and travel trailers.
    • Discounts: Nationwide provides several discounts, including savings for good drivers, having no claims, having prior insurance and having Nationwide Affinity Group membership.
    • Standout feature: Complete a state-approved RV safety course and receive a reduced insurance rate.
    Foremost RV Insurance

    Foremost, part of the Farmers Insurance group,  is well known for its RV insurance. The company offers coverage everywhere except Hawaii, Massachusetts and Washington, D.C.

    • Plans and coverage: Foremost offers comprehensive, total loss and emergency expense coverage. Campsite and vacation liability coverage protects RVs when they’re parked and used as a residence.
    • Vehicles covered: This company covers motor homes, fifth-wheel trailers, travel trailers and luxury motor coaches.
    • Discounts: Discounts exist for electronic pay, bundling and upfront payments.
    • Standout feature: Towing and roadside assistance from TraveLine are available in the U.S. and Canada.

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