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Best RV Insurance Companies

Last modified: Sep 29, 2022

Recreational vehicles (RVs) are massively popular in the US. Did you know that nearly 11 million households in the US have an RV? They also spend nearly three to four weeks in their vehicles annually. 

Recreational vehicles are great for transportation, accommodation, and vacationing. However, since RV is a significant investment, it’s essential to protect it with the best RV insurance.

Like an auto policy, recreational vehicle insurance or travel trailer insurance requirements vary by state with three standard coverages — collision, comprehensive, and liability. 

As recreational vehicles are huge, they can wreak havoc on another car in an accident or collision. This is why it’s advisable to pay special attention to liability coverage for a motorhome. The insurance will help cover the loss or damage to the motorhome, which is usually not covered by the home or auto insurance policies. 

In this post, we will walk you through everything you need to know about RV insurance.

Our Methodology

Our research methodology is based on:

We have analyzed different RV insurance companies to help you evaluate your options.

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1. Good Sam RV Insurance
  • Tire protection
  • Chassis coverage
  • Extended service plan
  • Bodily injury
  • Personal liability coverage
  • Uninsured and underinsured motorist protection
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2.
  • RV coverage can be added to your auto or home insurance.
  • A.M. Best A+
  • Affordable pricing
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3. Progressive RV Insurance
  • Roadside assistance
  • Total loss replacement
  • Personal effects
  • Vacation liability, etc.
  • A.M. Best A+ Superior
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4. GEICO RV Insurance
  • Replacement Cost Personal Effects
  • Vacation Liability
  • Vacation liability
  • A.M. Best A++
  • Bodily injury and property damage
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5. State Farm RV insurance
  • Bodily injury
  • Property damage
  • Underinsured and uninsured motorist
  • Theft, vandalism, and other losses while in storage
  • Emergency road service
  • A.M. Best A++
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6. Allstate RV Insurance
  • Liability coverage
  • Comprehensive coverage
  • Personal belongings coverage
  • A.M. Best A+
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7. National General RV Insurance
  • Replacement cost coverage
  • Vacation liability
  • Full-timers coverage
  • A.M. Best A-
  • Towing and labor

Detailed Reviews

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1. Good Sam RV Insurance
Pros
  • Bundled policies
  • Multiple vehicles
  • Temporary RV storage
  • Anti-theft devices
  • Safe driving record
Cons
  • Expensive compared to other traditional insurances.

The Good Sam insurance company has a widespread and growing network of top-rated insurance companies in the US. Good Sam RV insurance provides the protection you need to fit your budget and RV lifestyle. Their insurance agents are skilled and seasoned to navigate you through the best options much needed to select the right level of insurance coverage for your recreational vehicle.

The Good Sam insurance agency specializes in all types of recreational vehicles, including but not limited to fifth wheels, travel trailers, campers, and motorhomes. Plus, you can also enjoy multi-vehicle discounts. 

Whether you’re looking for cheap camper insurance or Good Sam motorhome insurance, you can find the best policies and coverage within your budget. The company strives to make RV owning experience safe, enjoyable, and affordable for all through their basic and specialty plans that can be easily tailored to meet the particular needs of their customers.

Though RV insurance premiums are more expensive as compared to conventional auto insurance, Good Sam insurance customers have reported saving up to 20% by insuring their multiple vehicles and bundling their insurance policies. 

You can save as much as $321 if you switch to Good Sam. In addition, Good Sam Club members can take advantage of special discounts to slash the cost of insurance even more, such as:

  • Bundled policies
  • Multiple vehicles
  • Temporary RV storage
  • Anti-theft devices
  • Safe driving record

Good Sam RV insurance standard plan includes:

  • Collision and comprehensive coverage
  • Personal injury protection
  • Property damage
  • Bodily injury
  • Personal liability coverage 
  • Uninsured and underinsured motorist protection

For additional peace of mind, you can take advantage of their premium plan. Some features worth highlighting regarding the Good Sam RV insurance premium plan are:

    • Optional Full Replacement Cost Coverage: If your RV gets stolen or totaled, this coverage will protect you from the loss and replace it with another one.
    • A Storage Option: It helps cut your premium in half when you are not using your recreational vehicle.
    • Automatic Coverage: It covers up to $3,000 worth of your belongings.

  • Permanent Attachments Coverage

    • Emergency Expenses Allowance of up to $500

  • Full-Timer Coverage

Apart from that, the company is rated A+ by BBB. 

It offers excellent full-time and part-time insurance policies for recreational vehicle owners. If you’d like to find out if their policy and pricing fit your budget and needs, request a Good Sam insurance quote today!

Pros
  • Your RV may be eligible either for home or auto insurance coverage
Cons
  • Your recreational vehicle can’t be licensed for public roads to qualify for a home policy with Country Financial.
  • The policy does protect your RV from thefts, collisions, and fire.

Country Financial is also a group of companies providing insurance and financial services to policyholders. Your RV may be eligible either for home or auto insurance coverage. If you don’t use your RV on public roads, you can apply for home insurance for RV coverage.

However, if you use your RV to travel to different places, you have to apply for their auto insurance. Request a Country Financial car insurance quote to see how much the policy will likely cost you. 

Please note that your recreational vehicle can’t be licensed for public roads to qualify for a home policy with Country Financial. You may get coverage of up to $500 for the qualifying RVs under home insurance. If your RV’s worth is more, you can increase the coverage limit. However, the policy does protect your RV from thefts, collisions, and fire. Additionally, home insurance deductible may apply to covered physical damage loss, such as damage from fire or storm.

Vehicles that qualify for auto insurance coverage include motorhomes, snowmobiles, mounted truck campers, travel trailers, and camping trailers. Auto insurance for an insured RV works the same way as your auto insurance policy. You can select specific deductibles for different types of protection such as collision, comprehensive, uninsured or underinsured motorist, liability, and medical coverage.

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3. Progressive RV Insurance
Pros
  • Offers roadside assistance
  • Total loss replacement included
  • Affordable and popular insurance
  • Emergency expense coverage
  • Pet injury
Cons
  • Less comprehensive coverages compared to competitors

Progressive RV insurance is best for a diverse range of recreational vehicles such as:

  • Class A, B, and C motorhomes
  • Conventional travel trailers
  • Fifth wheels
  • Pop-up campers
  • Truck campers
  • Toy hauler & horse trailers
  • Cargo/utility & horse trailers

The standard Progressive RV insurance includes liability, collision and comprehensive, underinsured and uninsured motorist, and medical payments coverages. However, you can also easily customize the policy according to your requirements.

You can add the following features to your coverage:

  • Roadside assistance
  • Total loss replacement
  • Replacement cost/personal effects
  • Vacation liability
  • Full timers’ liability
  • Loss assessment
  • Emergency expense coverage
  • Pet injury coverage

Progressive travel trailer insurance is one of the most popular companies as they offer more features than other insurers. It also provides accident forgiveness if you stay with them for at least five years and remain accident or violation-free for three consecutive years. This means that they will not raise your premium in case of an accident regardless of how much it may cost to fix it. 

Moreover, Progressive offers full-replacement cost coverage and a deductible endorsement that rewards you for staying claim-free for years.

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4. GEICO RV Insurance
Pros
  • Total Loss Replacement
  • Replacement Cost Personal Effects
  • Vacation Liability
  • Emergency Expense Coverage
Cons
  • Sudden rate raises.

GEICO provides affordable RV insurance policies for recreational and full-time drivers in most states. Their coverage includes:

  • Total Loss Replacement provides a new comparably-equipped recreational vehicle if your RV gets totaled. However, it applies if the vehicle is totaled within the first four model years. The settlement is higher if the recreational vehicle is in the 5th or 7th model years, while after the 7th model year, the settlement is done on an actual cash value basis.
  • Replacement Cost Personal Effects: you get paid for replacing your personal items in the RV that resulted from a covered loss. The amount of $1,000 or $5,000 is automatically included in the collision and comprehensive coverage at zero additional cost. More coverage limits up to $100,000  are available for an additional premium.
  • Vacation Liability under GEICO RV insurance policy covers bodily injuries and property damages if they occur at your vacation site. The amount of coverage is around $10,000, and it’s included in comprehensive and collision coverage.
  • Emergency Expense Coverage provides coverage for transportation and hotel expenses in case of an RV collision.
  • Medical Payments Coverage has two options. These include RV medical payments coverage, where you get coverage for medical treatment if the RV is parked off the public road and gets damaged, and medical payment in case of an RV motorhome accident, regardless of fault. 

GEICO RV insurance coverage is offered to various motorized RVs, including Type A, B, and C motorhomes and sport utility recreational vehicles.

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5. State Farm RV insurance
Pros
  • Customizable Policies
  • Full-time RV insurance
  • Emergency roadside service
  • Great discounts
Cons
  • A lot of misinformation online

Depending on where you live, State Farm RV insurance basic policy may provide more coverage features than adding your recreational vehicle as an endorsement to your auto insurance policy. Basic State Farm RV insurance features include:

  • Bodily injury
  • Property damage
  • Underinsured and uninsured motorist
  • Theft, vandalism, and other losses while in storage
  • Emergency road service

What makes State Farm RV insurance coverage one of the best policies is that it’s customizable. You can add on features like travel interruption and emergency roadside assistance. You can also combine it with other types of insurance to get discounted prices.  

Additionally, State Farm provides full-time RV insurance, which includes personal liability, medical payments, emergency expenses, and personal effects coverages. 

You may easily request a customized State Farm RV insurance quote by contacting one of the State Farm agents.

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6. Allstate RV Insurance
Pros
  • Comprehensive coverage
  • Windshield damage
  • Theft and vandalism protection
  • Attractive discounts and bundling options
  • Very fast response rate
Cons
  • Sudden rate increase.
  • It is more expensive compared to

Allstate insurance is an experienced company that has been providing automobile insurance since 1931. The company now offers RV insurance too. RV owners opt for Allstate because it’s a reputed company with a strong financial standing. Besides, it provides a vast network of local agents that you can work with to find the best choice of coverage for your recreational vehicle.

Allstate RV insurance provides:

  • Comprehensive coverage
  • Liability coverage
  • Personal injury coverage
  • Labor and towing cost coverage
  • Uninsured and underinsured motorist coverage
  • Medical payments coverage
  • Sound system coverage

Comprehensive coverage includes the following:

  • Windshield damage
  • Theft protection
  • Vandalism
  • Acts of nature
  • Damage caused to the RV by animals

As compared to its competitors, Allstate premiums are slightly higher. However, you can enjoy discounts such as:

  • Multi-policy discounts
  • Transfer discounts (if you move from another insurance company to Allstate)
  • Retired discounts (Allstate provides a special discount to RV owners over 55 years old who are not actively looking for a job.)

Another thing to note here is that Allstate RV insurance costs may vary depending on factors like:

  • Driving history of the policyholder
  • Size, model, value, year, and make of the recreational vehicle
  • Deductible amount
  • Credit history 
  • State your RV is registered

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7. National General RV Insurance
Pros
  • Personal belongings
  • Permanent attachments
  • Complete general liability
  • Replacement of damaged goods
  • Customizable policies
Cons
  • Clients often complain about sudden raise of the insurance rates.

At National General RV insurance, you get a customized policy designed according to your unique needs. National General insurance offers security, affordability, and flexibility. In addition, they provide specially designed features and benefits for the RV lifestyle.

National General recreational vehicle insurance provides such coverages:

  • Personal belongings
  • Permanent attachments
  • Complete general liability
  • Replacement of damaged goods

Other standard features include protection for items attached to the RV, such as TV antennas and satellite dishes. You may also add specialized equipment to your National General RV coverage, such as retractable awnings and solar panels.

Moreover, the company’s personal belongings coverage policy reimburses the total price that you paid for the items instead of the depreciated current value. At the same time, the full replacement coverage cost guarantees you will get a new recreational vehicle of similar or equal value if it gets totaled or stolen.

Buying Guide

Here is a quick buying guide on RV insurance — what it is and what insurance coverage options are available.

What Is RV Insurance?

RV insurance coverage can be best described as protection against injuries and damages you may cause to others. Plus, it covers the cost of damage to your vehicle if a covered incident happens. 

You can choose various coverages, depending on whether you use your vehicle recreationally or as a full-time residence. Options include bodily injury liability, comprehensive coverage, collision, uninsured and underinsured motorist, and personal injury protection. 

Moreover, coverage also varies depending on how you operate your recreational vehicle. For instance, if you own a motorhome, you will be legally obligated to buy separate liability insurance coverage to take it out on the road. But if you have a travel trailer, you won’t need a separate liability insurance policy because it’s transferred from your car insurance policy.

In simple words, RV insurance policies need to address the unique risks of a moving vehicle that can also serve as a living space. Please note that usually, insurance companies won’t allow you to add RV insurance to your auto insurance plan, so it’s important to shop around to find the best RV insurance policy. You can also benefit from additional protection for your personal belongings on board, attached accessories, and equipment.

Depending on your insurance, your additional coverage options may include:

  • Total loss replacement
  • Emergency expenses coverage
  • Vacation and campsite liability
  • Roadside assistance

In general, more coverage means a higher insurance premium. Your RV insurance premium may cost you anywhere from under $100 for a pop-up camper to much more for a high-end Class A motorhome. Regardless of the cost, RV insurance benefits weigh more. It will cover you from the high out-of-pocket expenses in the event of a loss. 

Read on to learn about its benefits and why it’s essential.

Why Consider RV Insurance?

RV Insurance is extremely important for all those who own this vehicle. With the best RV insurance coverage in hand, you can enjoy riding your vehicle worry-free. Here’s why:

In simple words, recreational vehicle insurance covers your out-of-pocket costs in the event of a loss or incident that causes bodily injuries and property damage. It also provides compensation for your expenses in case of a roadside breakdown.

In addition, RV insurance is a large investment that costs between $25,000 and $200,000. You surely want to protect it!

Recreational vehicle insurance is required in almost every state. However, the minimum amount of liability insurance varies from state to state. 

Here it’s important to note that RV coverage may be optional if:

The coverage amount you need will depend on a variety of factors, such as:

Is Insurance Cost High for RVs?

It largely depends on the factors stated above and the insurance company you choose to buy recreational vehicle insurance from. Some insurers provide the advantage of adding an RV to auto insurance. This makes the policy less expensive as you don’t have to buy separate coverage for your RV.

In addition, some insurance companies may also offer discounts for RV insurance. For example, you may get a discount for maintaining a clean driving record. 

As the cost of insurance varies from individual to individual, you can get an estimate of the cost that you are likely to incur by using an RV insurance calculator available online. 

What RV Insurance Coverages Are Available?

Now let’s take a look at different types of RV insurance coverage:

Full-Time RV Insurance 

This is optional coverage for those who use their recreational vehicles as permanent residence. It’s typically defined as living in a motorhome or travel trailer for over six months out of the year.  Full-time RV insurance will protect you against liabilities, losses, and injuries that may occur around your RV. This could be the best RV insurance coverage for you if you live permanently in your RV.

RV Insurance Coverage for Part-Timers

Part-time RV insurance coverage is a feasible option for families who use recreational vehicles in summer. With this insurance policy, you can also meet your travel trailer insurance requirements. In addition, it provides coverage for damages and injuries if they occur during short trips. However, it doesn’t provide broad liability coverage as compared to full-time insurance.

Most of the full-time policies will include coverage similar to the car insurance, such as:

Depending on your RV insurance coverage options, some policies may include:

What About Extra Coverage?

When it comes to recreational vehicle insurance, extra coverage means additional protection that an insurance policy can provide apart from general liabilities and physical damage. These include:

Does Coverage Vary for Different Types of RVs and Trailers? 

As recreational vehicles aren't one-size-fits-all, you must know the type of recreational vehicle you own so that you can find the right coverage and qualify for the best policy. Read below to develop your understanding of the different RV classes, as they may have different insurance requirements.

Class A Motorhome

These are the largest forms of recreational vehicles, offering various features and costing the most. A Class A motorhome resembles a large bus. It may range from 21 inches to 45 inches in length.

Class B Motorhome

This is the smallest motorhome category. Class B motorhomes are commonly known as campervans. They are smaller in size and less luxurious as compared to Class A motorhomes. However, they are easier to drive and best for part-time use.

Class C Motorhome

Class C motorhomes are mid-sized motorhomes, ranging from 22 to 44 feet in length, built on a truck or van chassis. Class C features a traditional truck cabin with a raised roof that extends over the cab, used for storage or sleeping. They are slightly bigger inside than Class B campervans.

Conventional Trailers

Also known as fifth-wheel trailers, they have larger living space. These trailers are usually pulled behind a vehicle. Moreover, if you have a robust automobile policy, you may not require separate coverage.

Pop-Up Campers

The pop-up campers are folding campers. They are compact units featuring canvas sides that can be unfolded to reveal additional living spaces. They are lightweight and hauled by another vehicle. We'd say that a pop-up camper is best for campers. It’s comfortable, lightweight, and fuel-efficient — perfect for outdoor adventures.

RV Insurance Pricing

RV insurance prices vary. On average, full-time recreational vehicle insurance cost is approximately $1,500 per year. In 2019, RV insurance costs ranged from around $1,000 to $2,000 per year. Class C recreational vehicle policy cost less, around $1,000 per year, while Class A recreational vehicle policy costs more, reaching up to $2,000 per year.

The full-time RV insurance cost depends on different factors, as mentioned earlier. But it’s important to note that a new and more expensive RV will have a higher premium than a used RV.

Other factors that may determine the RV insurance cost are:

RV insurance rates vary depending on your state, region, and ZIP code. For example, if you plan to live in your RV in an area with a high property crime rate, it might cost more to insure your RV. 

Conclusion

If you are a full-time or part-time RV owner, we advise you to browse through your options and get quotes from different insurance companies to choose the best RV insurance coverage. The RV insurance cost may seem high, but it’s worth it. 

Your policy will provide you with comprehensive coverage against the losses that you’re likely to incur in case of an accident or property damage.

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