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RVs (recreational vehicles) are extremely popular. About 11 million households in the United States possess an RV, and they spend three to four weeks each year in it on average. An RV, on the other hand, can be a big investment.

You will need RV insurance to safeguard it from damage and theft. Recreational Vehicle insurance is needed by law in most jurisdictions. Still, you may want to buy more than the state-mandated minimums to provide comprehensive coverage for all of your possessions.

How to choose the right RV insurance

If you intend to use your RV as a full-time home or just for a brief trip on the weekends, getting insurance is vital. When applied to a car insurance policy, an RV is regarded as more than just a car. To gain more excellent financial stability, consider RV insurance. This package incorporates aspects of both auto and home insurance to account for various uses of recreational vehicles.

What are specific RV insurance coverages?

A simple RV insurance policy may contain slightly different coverage forms depending on the provider. However, you may expect the following to be needed or added automatically when you get a quote:

  • Liability insurance: The amount of insurance you need to protect your vehicle in case of an incident. If you cause an accident, you are responsible for others' accidents and property damage costs, up to your cap.
  • Collision and comprehensive coverage: Collision coverage helps pay for work on your RV. However, you cause an accident or crash into something other than a tree or street sign. Comprehensive coverage covers various auto insurance policies, including fraud, animal accidents, dropping objects, vandalism, and more. Collision and comprehensive will also have a premium, which is the sum you pay out of pocket until your policy covers something. Any time a claim of $2000 for damage from a falling tree includes a $500 deductible. The resulting settlement would be $1500.
  • Uninsured/underinsured motorist coverage: It helps pay for you and your passengers if a driver hits you who doesn't have insurance or has some insurance but not enough to pay for your medical bills. Uninsured or underinsured Motorist liability kicks in simultaneously, and both compensate property damage to your RV.
  • Medical payments coverage: If you wreck your RV and injure your passengers, this coverage pays for treatment regardless of who caused the accident.

See what you could save on auto insurance's selection of best RV insurance companies

We looked at some of the best RV insurance companies to help you choose one. We selected the best RV insurance firms based on their coverage options, accessible discounts, and industry reputation.

The top five best RV insurance companies are below:

  • Nationwide
  • Allstate
  • Progressive
  • Safeco
  • The Hartford


Nationwide is a well-known RV insurance company that provides a wide range of insurance options. Liability, collision, and comprehensive coverage choices are available, and it covers mobile homes, travel trailers, and campers. Nationwide offers you to customize a policy at an inexpensive rate, thanks to many coverage options and a long list of discounts.

AM Best, a credit rating service specializing in the insurance industry, has given Nationwide an A+ financial strength grade.

The following is a list of what is covered by Nationwide's basic RV insurance:

  • Bodily injury liability
  • Property damage liability
  • Collision and comprehensive
  • Uninsured and underinsured motorist
  • Medical payments

When you get yourself an RV insurance policy, you have the option of adding these extra coverages:

  • Roadside assistance
  • Towing and labor
  • Vacation liability
  • Safety glass replacement
  • Replacement cost and scheduled personal effects

Nationwide does not offer loss assessment coverage, which some insurers provide to reimburse fees or costs from RV associations in the event of damage. It also excludes coverage for your dog or cat if they are hurt in an accident. This is a huge disadvantage for RV owners who travel with their dogs.

Nationwide offers a variety of discounts to help you save money on your insurance premiums, including multiple policy discounts, good driver discounts, and more. You won't be able to acquire a quote online. To get RV insurance quotes and purchase a policy, you must contact a Nationwide insurance agent.

Advantages of opting for Nationwide:

  • Coverage options that can be customized
  • Different RV classes are covered.
  • A variety of discounts are available.

Disadvantages of opting for Nationwide:

  • No online quotes are available.
  • Fees for loss assessments are not covered.
  • There is no coverage for pet injuries.


When you bundle your insurance plans with Allstate, you can qualify for several discounts for your RV insurance. Allstate provides car, homes, renter's, motorcycle, and life insurance, so you can save money by bundling your RV insurance with other policies.

AM Best has given Allstate an A+ rating.

The following are covered under Allstate's RV insurance:

  • Bodily injury liability
  • Property damage liability
  • Collision and comprehensive
  • Personal contents
  • Medical payments
  • Personal injury protection
  • Uninsured and underinsured motorists
  • Towing and labor
  • Sound system
  • Rental reimbursement

Allstate's RV insurance covers the sound system installed by the manufacturer in your RV. If it's stolen or destroyed in an accident, your insurance will cover the cost of repair or replacement up to $2,500, minus your deductible.

Rental reimbursement is also covered under the policy. If your RV is damaged as a result of your comprehensive or collision coverage, your rental reimbursement policy will repay you for the cost of renting a motor home or car in its stead.

Allstate does not offer a safe driver discount, though it does offer discounts for combining policies, transferring RV insurance from other companies, and consumers 55 and older. It also doesn't offer full-time or vacation-only coverage, and you'll have to seek a quote from an agent.

Advantages of opting for Allstate:

  • Discounts for moving policies and for those who are 55 or older
  • Coverage for rental reimbursement is available.
  • Coverage tailored to your RV's audio system

Disadvantages of opting for Allstate:

  • Absence of safe driver discounts
  • There are no policies for full-timers or vacationers.
  • Only an insurance agent can give you quotes.


Progressive was chosen for full-time RV travelers since it offers a full-liability timer's policy for those who live in their RV full-time. You get more protection with full-timer liability coverage, including personal liability, medical payments, and loss assessment coverages.

AM Best has given Progressive an A+ rating.

Progressive offers a variety of RV insurance alternatives, with RV insurance rates ranging from extremely cheap annual rates to very high annual rates depending on your situation.

It provides the following coverages as standard:

  • Comprehensive and collision
  • Liability
  • Uninsured and underinsured motorist
  • Medical payments

It contains numerous optional coverages, including full-liability timers that you can add to your policy. If you're responsible for injuries in and around your RV, you're insured up to a certain maximum with it. If you live in your RV full-time, you might consider adding this coverage to your insurance policy for further protection.

Progressive offers a variety of discounts, but not all of them are available in every state. The cost of your policy is also determined by how you obtain it. Your quote may be different if you buy over the phone, online, or via an independent agency.

Advantages of opting for Progressive:

  • Provide a full-liability timer's insurance policy.
  • A variety of discounts are available.
  • Customized coverage.

Disadvantages of opting for Progressive:

  • Not all states offer discounts.
  • Prices vary depending on how you purchase your policy.
  • Travel trailers are excluded from basic liability coverage.


We chose Safeco as the best insurer for weekend warriors and part-time travelers. Safeco specializes in RV insurance for customers who use their RVs for fewer than 250 days per year. It covers Class A motor homes, travel trailers, fifth wheels, pop-up campers, and camper vans and offers configurable features.

Liberty Mutual, a Fortune 100 corporation with an A rating from AM Best, owns Safeco.

People who use their vehicles for fewer than 250 days per year are eligible for RV insurance. While not all of its coverage options are available in every state, it does provide the following:

  • Bodily injury liability
  • Property damage liability
  • Personal injury protection
  • Underinsured and uninsured motorist
  • Comprehensive and Collision

It also includes a variety of supplemental coverages, such as pet insurance, electronic lock or key replacement, and loan or lease protection, that you can add to your policy.

You may be eligible for a variety of discounts. You may qualify for a premium reduction if you complete an accident prevention course, install an anti-theft device in your RV, or park your RV during the winter.

Full-time RVers are not eligible for coverage, and you must contact a Safeco insurance agent for a quote.

Advantages of using Safeco:

  • Coverage for RVs operated for less than 250 days per year is a specialty.
  • Optional coverages are offered in a wide range.
  • A wide variety of discounts can be accessed.

Disadvantages of using Safeco:

  • In some states, not all coverage options are accessible.
  • RV insurance quotes are not available online.
  • There is no full-timer coverage.

The Hartford:

With its AARP Auto Insurance and Homeowners Insurance Program, The Hartford collaborates with AARP to provide RV insurance. In terms of customer service, we believe Hartford is the greatest option for RV owners.

AM Best has given Hartford an A+ grade.

Advantages of opting for The Hartford:

  • Excellent customer service.
  • You can get RV insurance quotes and rates online.
  • Bundling policies earns you a discount.

Disadvantages of opting for The Hartford:

  • In most cases, AARP members are the only ones who can use it.
  • There isn't any coverage for full-timers.
  • There is no storage discount.

RV insurance is now available through The Hartford in collaboration with AARP.

The following coverage options are available:

  • Medical payments
  • Collision damage
  • Bodily injury
  • Property damage

Hartford's RV insurance is limited to AARP members in most areas, and there are no special coverage alternatives for full-time RV travelers. The Hartford has a great reputation when it comes to customer service. Its RV insurance is included in its auto and house insurance policies.

RV Insurance options

If you choose just the necessary insurance coverage, including liability and comprehensive and accident, consider enrolling your RV in your car insurance policy. Moreover, RV insurance provides additional provisions that a car insurance policy does not.

  • Full replacement cost: Whether your RV is stolen or totaled, comprehensive coverage through car insurance usually pays a reasonable amount. This means you only obtain the RV's original value when the failure happens. When buying RV insurance, you can pick a discount and get a portion of it back.
  • Personal property and attachments coverage: RVs cover some of the more unique belongings, including kitchen equipment, recreational and camping supplies, satellite dishes, awnings, and furniture. Because your RV insurance would not cover damage or theft, you will need separate RV insurance to fix or replace it.
  • Vacation liability coverage: They are called temporary residences if RVs are parked in rest stops or campgrounds. It is prudent to get liability insurance to cover accidents that could occur on the road or if a football is thrown into a neighbor's RV.
  • Roadside assistance: Roadside assistance is an insurance policy that ensures responsibility for damage to towed and serviced RVs.
  • Travel expenses coverage: If you are injured or your RV breaks down, this coverage will help pay for transportation and accommodation when your vehicle is repaired or replaced. The coverage is usually only available when you're a certain distance from home, like 100 miles or more.
  • Full-time RV coverage: This kind of coverage is essential if you live in the RV most of the time. Among other advantages, it offers high-limit personal liability insurance like those found in home insurance plans, care payments for injured guests, and compensation for belongings while you're on the road.

What isn't included in RV insurance

As a non-motorized vehicle, your camper or travel trailer will not come under RV insurance; it will require its separate insurance. Even though RVs are perfect for road trips, most companies won't cover you for traveling in Mexico. Contact your insurance company to find out if your coverage protects you in Mexico.

If you travel to Canada, you can be assured that you will be protected. Get in touch with your insurer and inform them about your plan to travel to Canada. They will issue a non-resident insurance card that you can show to Canadian authorities.

The importance of having RV insurance

When used as a temporary or permanent residence, RVs combine parts of auto and homeowner's coverage. RV insurance often covers the following coverage in addition to your standard auto or homeowner's policy:

  • Collision insurance - Collision coverage pays for damage to your RV if you and another vehicle are involved in an accident.
  • Comprehensive insurance - This insurance covers repairs to your car following a fire, storm, or theft, regardless of who is at fault.
  • Bodily injury - Medical payments coverage helps pay for someone's medical bills if you cause an accident and they are injured as a result.
  • Property damage - If you cause an accident and damage another person's vehicle or property, you are covered under property damage.

If you're going to be living in your RV for an extended period or using it as your primary house, you'll want to be sure you have enough insurance.

In many cases, your insurer will let you add any or all of the following to your policy:

  • Towing and roadside assistance - This can help you get back on the road if you run out of fuel, need a tire changed, or need a tow.
  • Replacement price - Replacing the goods that have been stolen from your RV can save you the trouble of filing a claim with your home's insurance company.
  • Vacation liability - This coverage will protect you in the event of an accident while you're staying in your RV temporarily.

See what you could save on auto insurance

Who wants RV insurance?

If you spend all of your time in your RV, a separate RV insurance policy is required. If you use your RV intermittently, you will need protection for at least liability. If you are getting a loan for your RV, your lender will ask you for the insurance. You can club your RV to your car insurance if your vehicle is old and lacks important features, including weatherstripping and trunk room.

An RV insurance policy is superior if you want the advantages of these features:

  • The maximum expense to repair your RV and its contents.
  • Maintenance coverage you would need if your RV breaks down.
  • Liability protection for passengers should there be injuries in the car.
  • Coverage for RV devices such as satellite dishes and roof-mounted awnings.

How much is RV insurance?

While a customized RV policy offers greater coverage than a standard auto policy, the two policies are about the same price. You'll pay different RV insurance rates depending on where you live, what kind of RV you're insuring, whether you're using your RV full-time or only occasionally, your driving record, and the options you choose.

The RV insurance cost of Class B is low. If you are looking for cheap RV insurance, buy Class B motor homes. Class B motor homes, the smallest and least expensive RV classes, typically cost $500 to $1,000 a year in insurance premiums. Insurance on Class A motorhomes, the most expensive RVs, can cost anywhere from $1,000 to $4,000 per year.

Getting adequate insurance is essential for your RV. Be sure to review the minimum standards in your state for auto insurance coverage. Insurance is hard to estimate since it is dependent on customizing and using your RV the way you like. Shopping around for various quotes at different firms is smart to ensure you have the coverage options you need at the lowest possible price.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with

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