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Cheapest RV Insurance Companies
In our RV insurance study, our team found that Nationwide tends to offer the highest number of discounts on its coverage, meaning it’s likely among the cheapest RV coverage.
| Cheapest RV Insurance Provider | Cost Rating | Award |
|---|---|---|
| Nationwide | 9.4 | Top Choice for Full-Timers |
| Progressive | 9.2 | Editor’s Choice |
| Allstate | 8.8 | Good Coverage Selection |
| Good Sam | 8.7 | Top Choice for Mexico Travel |
| Safeco | 8.4 | Top Choice for Part-Time RVers |
| The Hartford | 8.7 | Top Choice for Retired RVers |
*The overall ratings in this table are based on providers’ scores in our industry-wide RV insurance study. However, the ranking of these providers is based primarily on a provider’s cost while also considering its quality as an RV insurer.
#1 Nationwide: Best for Full-Timers
Pros
Useful coverage for full-time RVersOptional towing and labor coverage includes trip interruptionExtensive range of discounts available
Cons
Website lacks an online quote toolNo pet coverage available
What We Like About Nationwide
The company offers plenty of options for all RVers, but Nationwide has a lot to offer full-time RVers in particular. Full-timer coverage and 24/7 roadside assistance can help provide a stress-free RVing experience for those who call their campers home. Of course, a large selection of discounts also helps make coverage more affordable for any RVer.
Notable Discounts
- RV association: Nationwide offers discounts to people who belong to RV associations and similar clubs.
- RV safety course: You can get a discount on your policy for completing an approved safety course.
Notable Coverages
- Towing and labor: Covers the cost of on-site repair work and towing if your RV breaks down. Nationwide’s version of this policy also includes trip interruption coverage.
- Safety glass replacement: Covers the cost of repairing or replacing your camper’s windshield.
#2 Progressive: Editor’s Choice
Pros
Large selection of discountsAccident forgiveness for small claims under $500 includedMany specialty coverage options
Cons
Not all discounts available in all statesCoverage for personal effects not included in standard plans
What We Like About Progressive
The wealth of coverage options Progressive offers for RV insurance is part of the reason the company earned our Editor’s Choice award. The insurer’s discounts are the other main factor. Progressive has one of the largest discount selections of any provider in our study, making its coverage that much more affordable.
Notable Discounts
- Prompt payment: Progressive starts every customer off with a discount when they make their first payment on time. This discount continues as long as the policyholder continues to make on-time payments.
- Quote in advance: You can get a discount on your Progressive RV policy simply by requesting a quote at least one day before your coverage begins.
Notable Coverages
- Pest damage protection: Covers damage from insects, rodents and other pests, which isn’t typically covered by most comprehensive insurance plans.
- Roof Protection Plus®: Covers damage to the roof of your RV, including from mechanical failure and wear and tear. This coverage has a $250 deductible.
#3 Allstate: Good Coverage Selection
Pros
Pet coverage and tow bar coverage included in policiesDiscounts available for older RV ownersRV coverage can be bundled
Cons
Fewer discounts than many RV insurance companiesHigher number of customer complaints than other insurers
What We Like About Allstate
With RV insurance, Allstate offers a useful selection of insurance options both for full-timers and recreational RVers. While the company doesn’t seem to have as many discount options as some of its competitors, the ones it does offer are widely applicable, meaning most people can find a way to save on coverage.
Notable Discounts
- Married discount: Allstate offers a discount for adding your spouse to your RV policy.
- Paperless: Save on your coverage when you choose to get your bills via email rather than by mail.
Notable Coverages
- Full-timer liability: Covers liability claims on your camper if you use it as your primary residence. This coverage works similar to a homeowners insurance policy.
- Emergency expenses: Covers food, lodging and other travel expenses if your RV breaks down away from home.
#4 Good Sam: Top Choice for Mexico Travel
Pros
Lots of discount choices as a brokerFull-timer liability coverage availableCoverage can extend to Mexico
Cons
Doesn’t directly administer or underwrite insurance plansSome complaints over claims processing times
What We Like About Good Sam
The Good Sam Insurance Agency isn’t a direct provider like the other insurers on this list. Instead, it’s a broker that works with other insurers — including some on this list. A Good Sam insurance agent can help match you with an RV policy that suits your needs from its list of partner providers. The company’s agents can also help identify which discounts are available to you to make your coverage even more affordable.
Notable Discounts
- Anti-theft: If you install theft deterrents such as alarms on your camper, you can get a discount on your insurance with Good Sam.
- Multi-vehicle: You can get a discount if you cover more than one RV under the same policy.
#5 Safeco: Top Choice for Part-Time RVers
Pros
Audio-visual (A/V) equipment covered under standard policiesLoan or lease protection availableCoverage can be bundled with auto insurance for a discount
Cons
No commercial RV coverageRoadside assistance availability varies by state
What We Like About Safeco
Our team found Safeco to be one of the more unique RV insurance providers in our study, and in a positive way. It offers coverage that’s specific to RVers’ needs. For example, A/V equipment like TV screens and sound systems are often only covered through policy add-ons, if at all. However, Safeco includes coverage for your A/V equipment in its standard policies.
Notable Discounts
- Accident prevention course discount: Safeco is another RV insurer that offers a discount for completing an approved safety course.
- Private passenger: You can get a discount on your RV policy by bundling it with your auto coverage.
Notable Coverages
- Loan or lease protection: Covers the difference between what you owe on a loan for an RV or the value of a leased RV and its declared value at the time of a total loss. This is similar to gap coverage for auto insurance.
- Emergency assistance coverage: Covers temporary lodging, food and other expenses if your RV becomes uninhabitable.
#6 The Hartford: Best Choice for Retired RVers
Pros
Partner of the American Association of Retired Persons (AARP)New vehicle replacement coverage availableDiscounts for RVers over 50
Cons
Few optional coverages listedOnly available to AARP members
What We Like About The Hartford
According to one study, 42% of RVers are retired. For those people, The Hartford — which is the insurance partner of the AARP — has a lot to offer at competitive costs. The company also guarantees the quality of repair work done at any of its 1,600 authorized repair shops.
Notable Discounts
- RV safety course: Completing an approved safety course can earn you a discount at The Hartford.
- Bundling: The Hartford gives customers a discount for combining their RV policy with home or auto policies.
Notable Coverages
- New vehicle replacement: Covers the cost of replacing your RV with the same make and model if it’s totaled within the fir
How To Get the Cheapest RV Insurance
Many of the factors that affect the cost of your RV insurance are out of your control. However, there are some things you can do to try to lower your RV premiums.
Cheap RV Insuranceance Quotes
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RV Insurance Discounts
Discounts play an important role in finding the cheapest RV insurance for your situation. The discounts available to you will vary depending on provider, location and other factors.
Our team found that most insurers don’t list all of the discounts they offer up front on their websites. That’s mostly because discounts can vary by location and other factors. When you request a quote, be sure to ask an insurance agent what discounts the insurer offers. You may find a few more that you’re eligible for.
These are some of the more common RV insurance discounts you’ll come across:
- Multi-policy: Bundle your RV insurance with other types of coverage like auto, life or home insurance
- Multi-vehicle: Cover more than one camper under the same RV insurance policy
- Association: For members of RV clubs and other associations
- Good driver: Similar to auto insurance, you must go an extended time without an accident or traffic violation
- Paid in full: Pay for your entire annual premium up front, rather than by monthly payments
- Military: For active or retired members of the military and their family members
- Claim-free: Go an extended period of time without having any insurance claims
Take an RV Safety Course
A safety course can help you learn defensive driving skills and other information that can reduce the risk of accidents and other sources of damage. It can also help you save money. That’s because most RV insurance providers offer a discount for completing an approved safety course.
Establish a Storage Period
Many insurers offer lower rates for RVers who establish regular storage periods during the year. If you won’t use your camper during winter months, for example, you may be able to save money by establishing that time as a storage period. However, be advised that using your RV during this time could be in violation of your contract. If your RV is damaged outside of storage during this period, your insurer likely won’t cover it.
Shop Around
Just like when you shop around for car insurance, it’s always a good idea to get quotes from multiple providers before making a decision. Insurers weigh risk factors differently, so you’re likely to see at least some variation in the quotes you receive. Shopping around allows you to determine which company actually offers the best rates for you.
RV Insurance: What To Know Before You Buy
Before you buy RV insurance it’s good to know the basics of cost, coverage, and whether you need a policy for your motorhome. Below we’ll go into detail in each of these areas.
How Much Does RV Insurance Cost?
According to our research, considering quotes from many providers, the average RV insurance policy costs around $1,500 per year. This, however, is a very generalized average. In reality, the cost of an RV policy can range greatly. The only way to know for sure how much you’ll pay is to get RV insurance quotes from providers.
RV Insurance Rate Factors
Insurance rates for RVs vary widely based on a number of personalized factors. That’s why the cheapest RV insurance company for your neighbor may not be the cheapest one for you.
These are some of the most important factors in setting your camper insurance premiums:
- Driving history: You’ll need to take your RV on the road if you want to get anywhere, so your driving record plays a big role in your premiums. A clean driving record gets you access to the lowest rates.
- RV value: The more expensive your camper is, the more expensive it’ll likely be to insure.
- Type of RV: In general, motorhome insurance is more expensive than travel trailer insurance.
- Usage: How much you use your RV has a big impact on your premiums. People who store their campers for extended periods may get lower rates, while those who require full-time RV insurance typically pay more.
- RV driving experience: Driving a car is different from driving or towing an RV. Insurers may consider your experience on the road with RVs in addition to your general driving history.
- Location: Different areas have unique sets of risk factors and regulations. As a result, you can expect premiums to vary based on where you and your RV call home.
- Credit score: Most states allow insurance companies to use your credit score as a determining factor in your insurance premiums. In those states, drivers with poor credit typically pay significantly more for coverage.
- Coverage: Much of your RV premium is determined by the types and amounts of coverage you include in your policy.
RV Insurance Coverage
Like auto insurance, RV insurance covers personal liability, property, injury and other types of claims for and against you and your camper. Once you meet any requirements you have from your state, lender, neighborhood or other legal entity, how you build your policy is typically up to you.
Standard RV Coverage
Most, if not all, RV insurance companies offer the same standard types of insurance policies. These are nearly identical to what you’d find for auto insurance.They include:
- Bodily injury liability: Covers medical expenses, lost wages and more for other parties resulting from an accident for which you are found at fault.
- Property damage liability: Covers physical damage to vehicles and other property caused by an accident for which you are found at fault.
- Collision coverage: Covers physical damage to your camper resulting from a covered loss, no matter who caused the accident.
- Comprehensive coverage: Covers damages to your RV from non-accident sources such as extreme weather, fire and vandalism.
- Uninsured motorist/underinsured motorist: Covers your property damage and injury expenses in the event that an at-fault driver doesn’t have sufficient coverage.
- Personal injury protection (PIP): Covers medical expenses and lost wages for members of your party, regardless of who is found at fault for an accident.
- Medical payments (MedPay): Covers medical expenses but not lost wages for you and your party following an accident, no matter who is found at fault.
Additional RV Coverage
Most RV insurers offer policy add-ons to help cover other aspects of RVing that standard coverages might not. Some of the more common examples of these additional coverage options include:
- Emergency expense coverage: Covers the cost of dining, lodging and other travel-related expenses if your camper breaks down far from your destination and can’t be used.
- Full-timer liability: Covers property and injury liability claims made against your camper if you use it as your primary residence, similar to how a homeowners insurance policy works.
- International coverage: Covers your camper when you travel outside U.S. borders.
- Personal property: Covers personal belongings beyond what is covered by a homeowners policy. It typically pays out in lieu of a homeowners insurance claim.
- Pet injury coverage: Covers medical bills for pets if they’re injured in a covered loss.
- Rental reimbursem*nt: Covers the cost of a rental vehicle if your RV is totaled or in the shop for repairs.
- Roadside assistance: Covers the cost of emergency roadside services like tire repair, fluid and fuel delivery and more.
- Safety glass: Covers the cost of repairing or replacing your RV’s windshield, which is often excluded from standard coverage.
- Sound system: Covers the speakers and other audio equipment in your RV.
- Towing and labor: Covers the cost of on-site repairs or towing your RV if it breaks down on the road.
- Vacation liability: Covers liability claims made against you and your RV while it’s parked away from your home base.
Types of RVs
Your insurance premiums will also depend on the type of RV you own. Recreational vehicles come in all sorts of shapes and sizes — and with a huge range of functions, features and amenities. These vehicles break down into two main categories: towables and drivables.
Towables
Towable RVs don’t have their own engine. Instead, they require a towing vehicle to pull them from one location to another. These are the main types of towables:
- Teardrop trailers: Usually the smallest RVs, teardrops get their name from their unique aerodynamic shape.
- Pop-up campers: These campers are called pop-ups because, after packing down for easier towing, they pop up to reveal a full-size RV, complete with standing room.
- Toy haulers: These towable RVs feature bigger storage areas for large sporting equipment like surfboards, fishing gear and sometimes even a motorcycle or ATV.
- Travel trailers: The most popular type of camper, these trailers vary greatly in terms of features and amenities.
- Fifth-wheel trailers: “Fifth-wheelers” get their name from the unique tow hitch used to attach them to a towing vehicle. This hitch is necessary because these RVs are some of the biggest and heaviest on the road.
- Truck campers:These compact RVs sit inside a truck bed and sometimes collapse for easier maneuverability.
Drivables
Also called motorhomes and self-propelled RVs, drivables have their own engines and can move around on their own. Most motorhomes fall into three categories:
- Class A motorhomes: The luxury yachts of the road, Class A RVs are among the largest and most fully featured in the industry. Some models may cost well over a million dollars.
- Class B motorhomes: Often called “camper vans” because they’re built onto a cargo van chassis, Class B RVs are rapidly increasing in popularity.
- Class C motorhomes: Despite their name, Class C RVs are actually bigger and tend to have more amenities than Class Bs, but they’re smaller and more maneuverable than Class A RVs.
In general, you’ll find the cheapest RV insurance on towables, since they don’t have their own motor and drivetrain to cover.
RV Insurance Exclusions
Although RV insurance can provide peace of mind for a wide range of situations, some sources of damage are excluded from most policies. These include:
- Wear and tear
- Mold
- Rot
- Fungi
- Misuse
Depending on where you live and your insurer, your policy may not cover damage from floods or earthquakes. Whether you live in your RV full-time or use it only for recreational purposes may also be a factor.
Does RV Insurance Cover Water Damage?
Comprehensive RV insurance will cover water damage in most cases. Water damage that comes as a result of any of the exclusions mentioned above, however, may not be covered.
RV Damage Settlement Options
If you have full coverage RV insurance and damages to your camper amount to a total loss, your insurance company will pay you for the loss. How much they pay, however, depends on the type of damage settlement policy you have.
Here are three typical types of valuation methods for your RV, and how they pay out:
- Actual cash value: Based on your RV’s value at the time of the loss, factoring in depreciation and market conditions
- Agreed value: Based on an amount you and your insurer agree to at the beginning of your policy
- Total loss replacement: Sometimes available as optional coverage, this pays out the replacement cost of your RV based on one of the same make, model and model year
Do You Need RV Insurance?
There are a few situations in which you must have RV insurance:
- You have a motorhome: Since a drivable RV is a vehicle, you’ll need to at least meet your state’s minimum auto insurance requirements if you have one.
- Your lender requires it: If you took out a loan to purchase your RV, your lender may require you to have comprehensive or other coverages.
- Your neighborhood or campsite requires it: Some campsites and RV neighborhoods mandate that campers and residents have liability policies.
Outside of these situations, you likely do not need RV insurance. However, it’s almost always a good idea to have it. Even the cheapest campers still cost thousands of dollars and may have thousands more in personal items inside. Having coverage protects your assets and, as a result, your finances.
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Sources of RV Damage
There are a lot of risks that come with driving, living in and even storing a camper. That’s because RVs combine the risks of an automobile with the risks of a home. The result is a high likelihood of some kind of loss at some point.
The most common sources of damage to an RV include:
- Leaking windows or roof: Seals around windows and roof components commonly come loose, allowing water to cause interior damage
- Traffic accidents: Damage from a collision on the road
- Fire: Fire damage is surprisingly common
- Weather: Ice storms, hurricanes, floods and other extreme weather events can cause damage even in storage
- Trees: Falling tree limbs and trees are risks, particularly in heavily forested areas
- Theft: RV theft does occur, as does damage from a failed attempt to steal a camper
Traffic Accident Statistics
Any time you take your camper anywhere, you’ll be at risk of an accident on the road. No matter how adept you are at driving or towing an RV, you’re still sharing the road with other drivers — many of whom may be distracted or inexperienced.
Statistics from theNational Highway Traffic Safety Administration(NHTSA) show that the number of traffic accidents has been on the rise in recent years. The 6.76 million traffic accidents seen in 2019 in the U.S. is a nearly 25% increase over the 2010 figure, meaning the risk of an accident for you and your RV is also on the rise.
Although themost recent NHTSA reportindicates that the number of accidents decreased in 2020, these numbers coincide with a dramatic drop in vehicular traffic during that year. Since this is a statistical outlier, we removed it from our analysis.
RV Fire Statistics
One of the most common risks for RV owners is fire. According todata from the Federal Emergency Management Agency (FEMA), fire departments in the U.S. received an average of 4,200 reports of RV fires each year between 2018 and 2020. Fires in RVs resulted in an average of 15 deaths and 125 injuries each year during that same time period.
Fires also tend to cause extensive property damage. From 2018 to 2020, RV fires averaged $60.3 million in property damage each year. According to the data, each fire resulted in an average of $15,350 in damages.
Given the above considerations, it’s clear that even if you are not required to carry insurance on your RV, it’s a wise choice to do so.
Cheapest RV Insurance: Conclusion
Due to the number of discounts it offers, our team found that Nationwide likely offers the cheapest RV insurance for many people. However, due to how much premiums vary between individuals and providers, the cheapest RV insurance company for you may be different. Getting quotes from multiple insurers, especially those on this list, is the best way to find the most affordable RV coverage for you and your camper.
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Cheap RV Insurance: FAQ
Below are some frequently asked questions about the cheapest RV insurance:
Nationwide is our top pick for the cheapest RV insurance due to their low rates and many discount opportunities.
According to our research, Maine, New Hampshire and Ohio typically have the cheapest average car insurance premiums. That means there’s a good chance these states also have some of the cheapest RV insurance.
Your RV insurance may be cheaper than regular car insurance depending on what kind of RV you have and other factors. Coverage for a small travel trailer, for example, is likely to cost less than an auto policy.
In general, most experts suggest you should have full coverage insurance on your RV. This insulates you from losing your financial assets in the event of a covered loss.
According to data from the National Automobile Dealers Association (NADA), the average insurance cost for a Class A RV is between $1,000 and $1,300 per year, based on 140 days of use.
How We Rated The Cheapest 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.
If you have feedback or questions about this article, please email the MarketWatch Guides team ateditors@marketwatchguides.com.
