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6 Best RV Insurance Companies in 2023
By Victor Rosario MONEY RESEARCH COLLECTIVE
96% overall customer satisfaction rating
- Customers report average savings of $530 per year
- Total-loss replacement for motorhomes and travel trailers
- Specialized coverage for full timers or first-time weekend RVers
- RV storage option to turn off coverage when your RV is not in use
"Turn Off" for liability & collision during storage - Save 53%
- Full-timer coverage options
- Mexico insurance options
- Total Loss RV replacement
- 24-hour claims support
Save up to 35%* on RV insurance
- Coverage when you rent your RV, without a commercial policy
- Covers DIY and professional conversions
- File a claim online, via e-mail, or by phone
- Accredited and rated A+ by the Better Business Bureau
Whether you’re a part-time or full-time RVer, insuring your RV is a must. Most states require you to carry some form of RV insurance, especially if you plan to take your vehicle on the road.
RV insurance is a hedge against risks that come with owning an RV, such as financial losses resulting from collisions, liability lawsuits and other unforeseen events.
If you’re new to RVing or looking to switch carriers, read on to learn about some of the best RV insurance companies out there, plus relevant information to keep in mind as you’re shopping for insurance.
Our Top Picks of the Best RV Insurance Companies
- Progressive – Best for Disappearing Deductibles
- Good Sam – Best RV Insurance Agency
- National General – Best for Replacement Cost Coverage
- Nationwide – Best for Discounts
- Foremost – Best for RV Roadside Assistance
- Auto-Owners Insurance – Best for Senior RVers
Best RV Insurance Reviews
Best for Disappearing Deductibles: Progressive
Why we chose it: Besides offering a great selection of discounts, Progressive is among the few RV insurers that offer small and large accident forgiveness plus a disappearing deductible benefit that shaves money off your deductible (down to $0) for every policy period you are claim-free.
With Progressive, drivers who are claim-free get a discount every time they renew their policy and, after four years, can lower their deductible to $0 and get accident forgiveness for a large claim of over $500. This, in combination with the company’s considerable list of discounts and specialty RV insurance coverages, makes Progressive a great option for safe drivers.
Progressive offers broader personal liability limits for full-timers through four coverages: liability, medical payments to others, loss assessment (liability coverage for accidents in shared areas), and coverage for storage/shed contents. Policyholders may select liability of between $50,000 and $250,000 per person or $100,000 to $500,000 per accident, or opt for a combined single limit of up to $50,000.
Besides bundling policies, additional ways to save with Progressive include:
- Going paperless
- Having continuous coverage
- Getting a quote before purchasing your policy
- Paying on time
- Being the original owner of your RV while having full coverage
Some noteworthy add-on policy options from Progressive include total loss replacement for RV models under five years of age, replacement cost coverage for personal effects (up to $99,000 in coverage), $750 to $7,500 in emergency expenses for accidents at least 50 miles away from home, roof replacement and pest damage protection.
Bet RV Insurance Agency: Good Sam
Why we chose it: Insurance agencies are a great place to start if you’re new to RVs or simply don’t want to do the legwork of obtaining and comparing quotes from different insurance providers. As a specialty RV insurance agency, Good Sam can connect you to well-known, reputable RV insurers selling coverage for personal vehicles, trailers, motorhomes, bus conversions and more.
Good Sam Insurance Agency sells RV insurance in partnership with highly-rated national insurance companies like National General, Foremost, Safeco and Progressive. You can purchase standard coverage options from personal liability to full coverage (comprehensive and collision), as well as add-on policies that afford coverage for emergency expenses (up to $500) and total losses.
Full-time RVers can also customize their policies by purchasing additional personal liability and medical payments coverage for accidents inside and around their RV. They may also purchase coverage for personal belongings (up $3,000) and permanent attachments like awnings, satellite dishes, levelers and tow kits — at full replacement value.
As for savings, Good Sam offers a discount of up to 53% to those who store their RV when it’s not in use. Other ways to save include insuring multiple vehicles, paying your premium in full, driving safely and installing anti-theft devices.
Best for Replacement Cost Coverage: National General
Why we chose it: Like Progressive, National General is another great option for full replacement cost coverage, which allows you to replace your vehicle with a new one or get reimbursed for its full price — not the depreciated value — if it’s totaled or stolen. With National General, you can get a new, comparable replacement RV if your vehicle is up to four model years old, even if you’re not the original owner.
If you are the original owner of your RV, National General’s full replacement cost coverage will replace your RV with a brand new one during its first two model years; after that, you can get the full original sale price. If you’re not the original owner, you can still get a comparable new replacement if your vehicle is up to four model years old. Besides Progressive, few other companies offer this option.
National General extends discounts to homeowners, married couples and those who pay in full, take an RV safety course and opt for paperless billing. Discounts may also be available to Good Sam and RV association members, experienced RV owners and those who store their RV in a garage or carport. Besides discounts, National General also offers a diminishing deductible option and small accident forgiveness in certain states.
Add-on policy options through National General include up to $3,000 in personal effects coverage, anywhere from $750 to $7,500 in emergency expense coverage, and $5,000, $10,000 or $15,000 in RV roof repair. Towing and roadside assistance coverage may also be purchased separately.
Best for Discounts: Nationwide
Why we chose it: One of the perks of going with a large national insurer is having access to more ways to save on RV insurance premiums. Nationwide offers over 10 ways to save, including all of the discounts one would expect as an RV owner plus extras not offered anywhere else.
Nationwide’s list of potential savings is more extensive than the customary discounts to claims-free drivers and those who insure multiple vehicles and pay their policy in full. Besides those price breaks, Nationwide also allows you to save by bundling RV insurance with other insurance policies like auto and home, taking an RV safety course, being part of an RV association and maintaining continuous coverage.
Other ways to save not listed on Nationwide’s site may include discounts for installing safety devices and owning a safer RV model, such as those made out of molded fiberglass as opposed to wood or aluminum composite panels.
Add-ons to Nationwide policies include 24/7 emergency roadside assistance, towing and labor coverage (which includes trip interruption benefits for transportation and meals), windshield replacement, up to $10,0000 in vacation liability coverage (if you’ve also purchased comprehensive and collision), Mexico insurance and replacement cost coverage.
Best for RV Roadside Assistance: Foremost
Why we chose it: Not all companies that offer roadside assistance will cover both your trailer and tow vehicle, but that isn’t the case with Foremost. The company will cover both your RV and tow, regardless of who is driving, in all 50 states and Canada.
Foremost is a good option for RVers seeking better-than-average roadside assistance, especially those who own a towable RV. Besides covering both trailers and tow vehicles, Foremost’s roadside coverage will pay for breakdowns, flat tires and locksmith services, as well as towing to the nearest repair facility that can handle your vehicle.
Full-timers can also get specialty coverage from Foremost. The company will pay for damages to both permanent attachments and adjacent structures — think awnings and decks — and offers total loss replacement cost coverage (which will replace your vehicle with one of like quality) to owners of brand new RVs. This last coverage is valid for up to four years after the vehicle purchase date.
Add-on policies from Foremost include vacation liability, personal property replacement and coverage for emergency expenses — up to $7,500 in some states.
Like Nationwide and Auto-Owners, Foremost sells RV insurance only through its network of insurance agents, which means you can’t purchase a policy online. However, depending on your state, you could request an estimate over email. Discounts also vary by state, yet there aren’t very many available when compared to other insurers.
Best for Senior RVers: Auto-Owners
Why we chose it: Senior RVers will appreciate Auto-Owners’ agent-based service, competitive premiums and discounts tailored to people over the age of 50 with no young drivers in their household. While it’s a smaller company only available in 26 states, Auto-Owners has excellent financial strength ratings and has received consistently high customer satisfaction scores in J.D. Powers Auto Claims Satisfaction studies.
While Auto-Owners has a limited service area, it is consistently listed among the best insurance companies due to its high customer satisfaction ratings. In the most recent J.D. Power Study, Auto Owners scored slightly below the national average, but well above large competitors like Nationwide and Progressive.
Additionally, it has an above-par financial strength rating (A++ Superior with A.M. Best) and a lower-than-average number of complaints filed against its private passenger policies with the National Association of Insurance Commissioners.
RV drivers who prefer a more personal customer experience will appreciate the fact that Auto-Owners sells insurance only through its network of local, independent agents. The advantage of working with an independent agent as opposed to a captive agent — those who work with a single carrier — is that independent agents can get you quotes from several different insurance companies, which could help you snag a better rate.
Auto-Owners also offers a discount to drivers over the age of 50 who have completed an RV safety course, plus a separate discount for mature RVers who don’t have drivers under the age of 26 on their policy. Besides these, Auto-Owners extends eight additional discounts, from bundling policies to paying on time and paying in full.
As for RV policies, Auto-Owners sells full coverage, liability, uninsured/underinsured motorist protection, personal injury protection and medical payments. While it offers coverage for contents and additional expenses, it does not offer full replacement cost coverage for RVs. The company also sells a roadside assistance add-on, but only for minor breakdowns and malfunctions, and separate policies for trailers and mobile homes.
RV Insurance Guide
The following guide contains information regarding the different types of RVs and the insurance policies available for these vehicles. It also provides some additional information on the cost of RV insurance, what it covers and how to purchase a policy.
Types of RVs
There are two main categories of recreational vehicles: motorized RVs and towables. Motorized RVs, also known as motorhomes, are larger, drivable recreational vehicles equipped with living quarters and other amenities for life on the road.
Towable RVs, on the other hand, include trailers and campers of varying sizes — and for various uses — which have to be hitched to a tow vehicle to be transported.
Motorized RVs
Class A motorhomes can run on either gasoline or diesel and are the largest and most spacious type of recreational vehicle. These RVs can measure between 25 to 45 ft or more in length and are comfortable enough for 8 to 10 passengers. Due to their size, Class As can have all the luxuries and amenities of a home, including fully-functional kitchens, bathrooms and appliances like washers and dryers. On the flip side, they aren’t very fuel-efficient and can be harder to maneuver on the road.
Class B motorhomes are camper vans equipped with sleeping quarters, kitchens and bathrooms. These coaches are a lot more compact, measuring between 17 to 19 feet in length, so they are much more fuel-efficient, easy to maneuver and suitable for up to five passengers, at most.
Class C motorhomes are built on either a van or truck chassis and can measure between 20 to 40 feet in length. These motorhomes feature a cab-over space that can fit a bed or serve as storage and, while they have a smaller floor plan than Class A homes, they still have enough space for a sleeping area, bathroom, small kitchen and a dining table.
Towable RVs
- Travel trailers – These encompass several different styles of trailers, from classic campers that may or may not include slideouts to lightweight trailers such as teardrop and expandable or pop-up campers.
- Fifth-wheel trailers – Fifth wheels have a noticeable hitch that protrudes over and connects to the bed of the tow truck as opposed to its rear bumper. Because these trailers can be the largest out of all types, they are great for families with kids but require a heavy-duty tow truck.
- Toy haulers – Toy haulers can be either travel trailers or fifth wheels, but they differ from other trailers in that they are typically used as garage spaces to transport sports equipment and “toys” such as dirt bikes and ATVs.
- Expandable trailers – Also called pop-up trailers, these campers are lightweight and compact for easy transportation but expand to provide more sleeping room while the camper is stationary.
- Truck campers – These are built to mount over truck beds, essentially converting the truck into a motorhome. Truck campers come in a variety of sizes and, depending on the model, may have amenities like a kitchenette, bathroom and laundry area.
- Other lightweight trailers – Lightweight trailers, such as teardrop trailers, are super compact and can be towed by most vehicles, but most don’t have a bathroom and the kitchen is outside.
Types of RV insurance
The following are the most common types of RV coverage. Keep in mind that these may go by a different name, depending on your state and the insurance company you select.
Most states require some form of liability insurance or proof of sufficient funds to cover the costs of an accident. Other states may also require uninsured/underinsured motorist coverage, personal injury protection or medical payments coverage.
Depending on your state and type of towable RV, your travel trailer may be covered under your tow vehicle’s auto insurance policy while on the road, so check your state requirements.
- Property damage liability – Will cover damages to another person’s vehicle or property.
- Bodily injury liability – Will cover the medical costs of those injured in an accident in which you’re at fault.
- Collision coverage – Covers the repairs or replacement of your RV if you are involved in a collision with another driver, regardless of who is at fault.
- Comprehensive coverage – Also known as “other than collision” coverage, will pay for damages to your RV caused by anything other than a collision, such as a natural disaster, vandalism, fallen object, theft and more.
- Uninsured/Underinsured motorist coverage – Pays for your medical bills and RV repairs if you’re in an accident with an at-fault driver who’s not carrying enough liability coverage, or any coverage at all.
- Medical payments coverage – Will cover medical payments, including hospital visits and surgery, for you and your passengers if you’re injured in an accident.
- Personal Injury Protection – Also known as “no-fault insurance,” PIP will cover lost wages, medical expenses and even funeral costs, regardless of which driver is at fault. Some states require this coverage.
- Roadside assistance – Typically offered as an add-on you can purchase along with your RV coverage, roadside assistance will pay for minor breakdowns you experience on the road. Coverage may include tire changes, fuel delivery, locksmith services and towing.
With most insurance companies, you may purchase additional coverage for your recreational vehicle once you have purchased collision and comprehensive coverage (known jointly as full coverage). These policies may provide additional off-road protection against lawsuits and other losses:
- Full-timer coverage – If you live in your RV full-time, or at least six months out of the year, you will need higher liability coverage limits for accidents that may happen while you’re parked and in the vicinity of your vehicle. Some policies may also include additional coverage for medical payments to others.
- Vacation liability coverage – Also known as campsite liability, this coverage will help cover the cost of damages or injuries to third parties while your RV is parked at a designated campsite. If you’re renting an RV for the summer, this coverage is a must.
- Personal property coverage – Also known as personal property replacement or personal effects coverage, this option will pay, up to a limit, for personal belongings lost or damaged in a covered claim.
- Total loss coverage – This policy will replace your totaled or stolen RV with a new one or reimburse you for the actual cash value (minus depreciation), agreed value or full replacement cost (without depreciation) of your vehicle. Most insurers will cover RVs up to five models old, and the policy will state whether it will cover replacement for a similar model or reimbursement.
- Emergency expenses – Will provide a daily benefit amount to cover transportation and accommodation expenses if your RV is disabled in a covered accident or loss.
- Permanent attachments/personalized equipment – Some insurers will cover permanent attachments to your RV, such as awnings, or specialized equipment like solar panels and other alterations.
How to buy RV insurance
If you’re looking to purchase an RV insurance policy — or to switch carriers — consider the following tips.
Shop for quotes
One of the most important steps in the process of insuring yourself or your property is to compare quotes from at least three different carriers to get the best rates for the coverage you need. It’s also advisable to compare insurance quotes periodically as your needs change or your premiums increase.
Bundle insurance policies
All of the major insurance carriers offer multi-policy discounts, also known as bundling discounts. You can bundle your RV policy with your car insurance, home insurance or even life insurance. If you have a travel trailer, the auto insurance coverage on your tow vehicle may extend to your camper as well, so check whether you need additional coverage.
If you own a boat or other toys like ATVs, motorcycles and golf carts, bundling these policies with your RV insurance will not only help you save, but also keep things simpler when it’s time to file a claim.
Ask for discounts available to you
Besides bundling insurance products, you may also save on RV insurance by:
- Paying your policy in full instead of in monthly installments
- Paying your bill on time
- Not filing claims within a policy period or being claim-free for a number of years
- Equipping your RV with safety features
- Having an RV association membership
- Taking an RV safety course
- Opting for paperless billing
- Getting a quote before purchasing insurance/renewing your policy
- Maintaining continuous coverage
- Being the original (first) owner of your RV
- Having several years of experience as an RV owner/driver
- Being a military service member or veteran
How much is RV insurance?
What you pay for RV Insurance will depend on factors like the coverage level you choose, personal details like your age and driving history, and the type of vehicle you want to insure.
Insurance rates also vary by company. For example, insuring a travel trailer with the companies on this list can cost anywhere between $500 and $700 per year. Motorhomes will be more expensive to insure, costing anywhere between $800 and over $1,000 per year.
Your state of residence will also play a major role in the cost of your RV policy. For example, Michigan is among the most expensive states to insure an RV with average annual premiums going well above the $4,000 range, according to data from The Wondering RV.
What does RV insurance cover?
RV insurance will typically cover liability lawsuits resulting from bodily injury or property damage to other drivers. You may also purchase coverage against collisions and other losses that result from weather events, falling objects, vandalism, theft and accidents involving animals on the road.
Depending on your state, you may also be required to carry personal injury protection or medical payments coverage, which will pay for hospital bills and funeral expenses for you and your passengers.
You may also purchase a host of other optional policies to cover minor breakdowns on the road, total losses (replacing your RV or getting reimbursed for its total or partial cost), personal property and specialized equipment that was damaged or stolen, and transportation and lodging after a covered breakdown or accident.
What does RV insurance not cover?
RV insurance typically provides coverage for a wide range of risks and perils, but there are certain situations and items that may not be covered under a standard RV insurance policy. Here are some examples of what RV insurance may not cover:
- General maintenance and wear and tear: RV insurance is not designed to cover general maintenance or wear and tear on your RV. This includes things like engine or tire wear, mechanical failures due to age, or general wear and tear on the interior.
- Intentional damage or illegal activities: If you intentionally damage your own RV or use it for illegal activities, your insurance policy will not cover the damages or legal costs.
- Personal property beyond the policy limit: RV insurance typically includes coverage for personal property, but there may be a limit to how much is covered. If your personal property exceeds the policy limit, you may need additional coverage.
- Business use of an RV: If you use your RV for business purposes, such as transporting goods or people for a fee, your personal RV insurance policy may not cover you. You may need to purchase separate commercial auto insurance.
- Flood or earthquake damage: Some standard RV insurance policies may not cover damages caused by floods or earthquakes. You may need to purchase separate coverage or an additional rider to your policy.
- Injuries to passengers: Some RV insurance policies may not cover injuries sustained by passengers in the RV. You may need to purchase separate medical payments coverage or personal injury protection (PIP) coverage.
It’s important to carefully review your RV insurance policy and understand what is covered and what is not covered. If you have any questions, it’s always best to contact your insurance provider for clarification.
How We Chose the Best RV Insurance
When choosing the best RV insurance companies of the year, we looked for:
- RV-specific insurance and policies for full-time RVers
- Coverage for a broad range of RV types
- Several ways to save on premiums
- Good customer satisfaction ratings as evidenced by J.D. Power scores
- Strong A.M. Best financial strength ratings
Summary of the Best RV Insurance
- Progressive – Best for Disappearing Deductibles
- Good Sam – Best RV Insurance Agency
- National General – Best for Replacement Cost Coverage
- Nationwide – Best for Discounts
- Foremost – Best for RV Roadside Assistance
- Auto-Owners Insurance – Best for Senior RVers
