Best RV Insurance Companies, Reviewed By Experts (2024) (2024)

#1 Progressive: Editor’s Choice

What We Like About Progressive RV Insurance

Progressive beat out the other RV insurance providers due primarily to its range of coverage options and discounts. Both show that the company understands the RV lifestyle and what RVers want from their insurance policy. Just like it does with its boat insurance, Progressive provides policyholders with truly useful specialty coverage options and savings opportunities.

Notable RV Insurance Coverages

• Roof Protection Plus^®: Covers damage to your RV’s roof, which is one of the most common sites of problems on a camper. Your RV must be less than six years old to be eligible for this coverage.
• Pest damage protection: Covers damages from non-domesticated animals such as rodents, birds or insects. Only RVs fewer than six years old are eligible.

Notable RV Insurance Discounts

• Prompt payment: Progressive discounts your first payment when you make it on time. You’ll receive this discount as long as you continue to make your payments in a timely manner.
• Original owner: You can get a discount if you’re the first owner of your camper and purchase comprehensive and collision coverage.

Keep reading: Progressive RV insurance review

#2 Good Sam: Best for Mexico Travel

What We Like About Good Sam RV Insurance

The Good Sam Insurance Agency is a broker rather than a direct provider of RV insurance. The agency works with some of the most trusted names in the industry, including several on this list, to find the right coverage for its customers’ needs. Travelers looking to head south of the border should especially consider the company, as it’s one of only a few that specializes in RV coverage in Mexico.

Notable RV Insurance Coverages

• Full-timer: This covers your RV if you use it as your primary residence.
• Emergency expenses: Part of your accommodation costs and more will be covered if your RV breaks down and interrupts your travel plans.

Notable RV Insurance Discounts

• Storage option: If you store your RV for an extended period of time, you can get a discount on your policy. However, your RV will not be covered if it’s damaged outside its storage location during this period.
• Anti-theft: Good Sam offers a discount on your policy if you install anti-theft devices such as alarms.

#3 Geico: Good Customer Service

What We Like About Geico RV Insurance

While the provider offers a well-rounded portfolio of camper insurance products, Geico’s reputation for customer service across the greater insurance industry is what makes it stand out. With policies and add-ons that work well for both full-time RVers and recreational campers, most RVers can find what they need at Geico.

Notable RV Insurance Coverages

• Special windshield deductible: You’ll get windshield repairs for free and replacements for a $50 deductible.
• Replacement cost personal effects: This covers the full replacement cost of damaged or stolen personal belongings. Policies include between $1,000 and $5,000 of personal effects coverage, but coverage limits of up to $100,000 are available with policy add-ons.

Notable RV Insurance Discounts

• Commercial driver license (CDL): Drivers who have a CDL are eligible for a discount on Geico RV insurance.
• Defensive driving course: You can get a discount on your RV policy if you complete an approved defensive driving course.

Keep reading: Geico RV insurance review

#4 Nationwide: Best RV Insurance for Full-Timers

What We Like About Nationwide RV Insurance

Nationwide offers a quality selection of coverage options for all RVers, but the company should be on the radar of any full-timer looking for camper insurance. With the options available, people who use their RV as their primary residence can find coverage for almost any situation. A good selection of discounts helps make that coverage even more affordable.

Notable RV Insurance Coverages

• Vacation liability: This covers medical expenses and property damage to other parties from your camper while it’s parked. For example, if your RV catches fire at a campground and damages an adjacent camper, the vacation liability coverage add-on will cover that.
• Towing and labor: The cost of towing your vehicle and on-site labor if it breaks down on the road will be covered. Nationwide’s towing and labor package includes trip interruption coverage to help take care of lodging and food expenses if your RV breaks down.

Notable RV Insurance Discounts

• RV safety course: Completing an approved RV safety course can earn you a policy discount at Nationwide.
• RV association: If you belong to an RV club or owners association, you’ll be eligible for a discount.

#5 Allstate: Good Coverage Selection

What We Like About Allstate RV Insurance

Allstate has one of the larger selections of coverage add-ons that we saw in our study, with great insurance options for both full-time and part-time RVers. The provider is one of several that includes RV coverage in its multi-policy discount, making it a good choice for bundling. With pet insurance included in standard policies, people who bring their furry friends camping or living with them will want to consider Allstate.

Although all RV policies are underwritten by Allstate, note that the company provides its RV coverage through National General, which is owned by Allstate.

Notable RV Insurance Coverages

• Tow bar: This covers your tow bar — which often isn’t covered under RV policies — if damaged in an accident.
• Full-timer liability: Your liability claims on your RV are covered if you use it as your residence for more than six months out of the year, similar to a homeowners policy.

Notable RV Insurance Discounts

• Married discount: You can get a discount if you add your spouse to your RV policy.
• Paperless: Save on your coverage when you choose to get your bills via email rather than by physical mail.

Keep reading: Allstate RV insurance review

#6 State Farm: Best for Local Service

What We Like About State Farm RV Insurance

As the country’s largest insurer, it’s no surprise that State Farm offers quality RV coverage. In every insurance category, the prevalence of in-person offices with helpful local insurance agents is one of the company’s biggest strengths. That’s also true when it comes to RV insurance. People who have other policies with State Farm or prefer to do insurance business in person will want to take a look at the company.

Notable RV Insurance Coverages

• Personal articles: This covers anything that isn’t permanently attached to your RV such as jewelry, medical devices, computers and more.
• Roadside assistance: Various emergency roadside services are covered — such as fuel delivery or flat tire replacement for RVs. State Farm’s website suggests that not all vehicles are eligible for this coverage.

Keep reading: State Farm RV insurance review

Based on our study, the average cost of RV insurance is around $1,500 per year. However, as you can imagine based on the range of camper sizes and costs, RV insurance premiums can vary greatly. You can expect to pay far more to cover a Class A motorhome, for example, than a teardrop trailer.

RV Insurance Rate Factors

Insurance companies adjust rates to each individual based on several key variables about you and your RV. Here are some of the most important:

• Driving history: Those with clean driving records will have access to the lowest rates.
• RV value: The cost of your RV drives a major part of your premium since more expensive RVs cost more to cover.
• Usage: Full-timers pay more for coverage than RVers who live elsewhere and use their campers solely for travel.
• RV driving experience: Insurers often offer lower rates to people who have more experience behind the wheel of a camper.
• Location: Just like with auto insurance, where you consider home base for your camper plays a role in your RV premiums.
• Credit score: In most states, insurers can adjust your rates based on your credit score. People with good credit scores will find lower rates than those with average or poor credit scores.
• Coverage: The types of coverage and limits you choose factor into your premium.

RV Insurance Discounts

Any discounts that are applied to your policy will factor into the cost of RV insurance. Many of the discounts you’ll see for camper insurance will look familiar to auto and home insurance customers, but some are specific to the RV world.

These are some of the most common RV insurance discounts you’ll find:

• Multi-policy: Combine your RV policy with your auto insurance policy, homeowners insurance, renters insurance or life insurance policy
• Multi-vehicle: More than one camper on the same policy
• Responsible driver: If you’re a safe driver who goes for an extended period of time without an accident or traffic violation
• Paid in full: Pay for your entire policy up front rather than across monthly payments
• Safety course: Complete an approved RV safety course
• Association: For those who belong to RV clubs and organizations
• Military: For active-duty service members, veterans and their families
• Private passenger: Your RV coverage and auto insurance are specifically on the same policy
• Storage: Applies when you agree to keep your camper in storage for an extended period of time, but your insurance likely won’t cover the damages if you get into an accident during your storage period
• Claim-free: If you go for an extended period of time without filing any insurance claims

As long as your coverage meets any minimum requirements that apply to you, you can build an RV policy to suit your needs. All insurers typically offer standard coverages, but most also offer at least a few specialty coverages that are unique to RV insurance.

Standard RV Coverage

Standard recreational vehicle coverages are nearly identical to those you’d find for auto insurance. These include:

• Bodily injury liability: Covers medical bills, lost wages and related costs for other parties in an accident for which you’re found at fault.
• Property damage liability: Covers damages to vehicles and other property in an accident you’re found at fault for.
• Collision: Covers damages to your RV resulting from an accident, regardless of who is at fault.
• Comprehensive: Covers damages to your camper from sources other than accidents, such as fire, vandalism or extreme weather.
• Uninsured motorist/underinsured motorist: Covers damages to your vehicle and your medical expenses if an at-fault driver doesn’t have sufficient coverage.
• Personal injury protection (PIP): Covers medical costs and lost wages for you and members of your party resulting from an accident regardless of who is found at fault.
• Medical payments (MedPay): Covers medical costs but not lost wages for you and members of your party following an accident no matter who is at fault.

Additional RV Coverage Options

Along with standard coverages, many insurers offer specialty add-ons that can help cover some of the other costs related to RVing. Here are some of the most common:

• Roadside assistance: Covers the cost of emergency roadside services such as fuel delivery and tire replacement.
• Vacation liability: Covers others’ personal property and medical expenses in incidents while your RV is parked, which are not typically covered under standard liability insurance policies.
• Pet injury coverage: Covers medical expenses for your pet if they’re injured in an RV accident.
• Emergency expense coverage: Covers accommodation, food and other costs if your trip is interrupted due to a covered accident or breakdown.
• Sound system: Covers your RV’s audio equipment if it’s damaged or stolen.
• Rental reimbursem*nt: Covers the cost of a rental car or even an RV if your camper is being repaired or was recently totaled.
• Safety glass: Covers the cost of replacing your windshield, which is typically considered a specialty item and isn’t covered under many collision and comprehensive RV policies.
• International coverage: Covers your camper while you’re traveling in countries outside the U.S.
• Full-timer liability: Covers liability claims against your RV as your permanent home similar to a homeowners policy.
• Towing and labor: Covers the cost of towing your RV or repairing it on-site if it breaks down.

RV Insurance Exclusions

While you can purchase coverage for almost everything on your RV, there are some sources of damage most all insurers exclude. These include:

• Wear and tear
• Mold
• Rot
• Fungi
• Misuse

Some insurance policies may not cover damage from floods or earthquakes, but this varies by insurer, location and how often you use your RV.

Insurance for towable RVs is almost never mandated, but you’ll need at least the minimum auto insurance coverage required in your state if you have a self-propelled motorhome. However, there are more than enough reasons to purchase coverage for your well-used camper or a brand-new RV, even if it isn’t required.

Crash Statistics

Campers are intended for the road, meaning you’ll have to share the road with people driving cars, trucks and other vehicles. This puts you and your RV at risk of a traffic accident.

Data from the National Highway Traffic Safety Administration (NHTSA) shows that the number of crashes has been on the rise over the past several years.

The data shows that the U.S. saw 6.76 million traffic accidents in 2019. This is a nearly 25% increase compared to 2010, less than a decade earlier. As the number of collisions on the road increases, your risk of getting into an accident goes up as well.

Although the most recent NHTSA data from 2020 indicates that accidents were down overall, these numbers coincide with a dramatic drop in vehicular traffic during that year. As a statistical outlier, we removed it from our analysis.

Sources of RV Damage

Traffic accidents are a real risk to your camper, but they’re not the only way they get damaged. These are some of the most common sources of RV damage:

• Leaky roof or windows: When you put a lot of miles on your RV, all that vibration from the road tends to shake some of the seals around your roof and windows loose. This can create gaps where moisture can get in, eventually leading to water damage.
• Theft: While it isn’t common for RVs to be stolen, it does happen.
• Weather: Tornadoes, floods, ice storms and other severe weather events can cause significant damage to a camper.
• Trees: Falling trees and branches pose a threat to RVs, especially when camping in heavily forested areas.
• Fire: RV fires are one of the most common sources of damage to campers.

Note that, for the most part, a comprehensive RV insurance policy will cover these damages. They won’t be covered by collision insurance.

Recreational Vehicle Fires

Fire is one of the biggest risks for RV owners. From 2018 to 2020, an average of 4,200 RV fires were reported to fire departments each year in the U.S., according to data from the Federal Emergency Management Agency (FEMA). During that time, these fires resulted in an annual average of 125 injuries and 15 deaths.

Those fires were also expensive. Recreational vehicle fires accounted for an annual average of $60.3 million in property damage, or an average of $15,350 per fire.

Unintentional fire damage to your camper will be covered under a typical comprehensive policy. However, if your RV catches fire and damages other property around it, you may need additional coverage such as vacation liability to cover those damages.

In our industry-wide study of the best RV insurance companies, Progressive earned the highest score and our Editor’s Choice award. Good Sam, Geico, Nationwide, Allstate and State Farm also scored highly in our study, offering strong combinations of quality coverage options and affordable costs.

Our team recommends getting RV insurance quotes from multiple providers and comparing them to see which company offers the cheapest RV insurance for you and your camper.

Best Motorhome Insurance: FAQ

Below are some frequently asked questions about the best RV insurance:

How We Rated The Best RV Insurance Companies

Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best RV insurance companies. We collected data on dozens of camper insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, and the insurers that scored the most points top our list.

Here are the factors our ratings take into account:

• Reputation: Our research team considered market share, ratings from industry experts and years in business when giving this score.
• Availability: Recreational vehicle insurance companies with greater state-by-state availability and few eligibility requirements scored highest in this category.
• Coverage: RVers can benefit from a wide variety of specialized coverage options. We evaluated companies based on the amount and diversity of coverage add-ons they offer for camper insurance.
• Cost: As RV insurance costs are highly variable, our research team mainly considered the availability of policy discounts.
• Customer Experience: Our research team took into account companies’ industry reputations with organizations such as the Better Business Bureau (BBB) as well as the ease and availability of in-person, over-the-phone and online services.

*Data accurate at time of publication.