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The 7 Best RV Insurance Companies of 2021

Money.com logo Money.com 4/16/2021 Javier Cruz and Ruben Ramos
Best-2021-RV-Insurance © Money; Getty Images Best-2021-RV-Insurance

If you plan to live in your RV full-time or temporarily, you’ll need to purchase an RV insurance policy.

The most common coverage includes property-damage liability, bodily injury liability, uninsured/underinsured motorist, personal injury protection (PIP), and towing and roadside assistance. However, your policy will vary depending on your RV type, driver profile, and state.

Read our list of the best RV insurance companies and learn how you can choose the best RV coverage for your needs.

Our Top Picks for Best RV Insurance Companies

  • Good Sam – Best for RV Full-Timers
  • Nationwide – Best for Multiple Discounts
  • National General – Best for Policy Customization
  • Progressive – Best for Variety of Vehicles
  • Safeco – Best for Optional Coverage
  • Geico – Best for Affordable Rates
  • Auto-Owners Insurance – Best for Personalized Customer Service

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Best RV Insurance Reviews

Good Sam – Best for RV Full-Timers

Pros Cons
Offers insurance policies for full-time RVers Website experience and quoting could be better
Covers personal belongings up to $3,000 Roadside assistance not included with standard coverage
Insurance available for travel in Mexico
Optional full-replacement cost coverage

Good Sam Insurance Agency is one of the few insurance companies that offer policies for full-time RVers. Full-time coverage allows drivers to customize their motorhome insurance to include full replacement-cost coverage for personal belongings rather than a depreciated value.

Standard coverage includes comprehensive, collision, liability, property damage, and personal injury protection. Also included with standard coverage is a $3,000 personal effects coverage, an emergency expense allowance for food and lodging for up to $500, and a $500 theft reward for information leading to a conviction if the vehicle is stolen.

You can add personal liability and medical payment to your RV insurance policy, as well as a storage option that allows you to suspend collision and liability coverage when your motorhome is stored for more than 30 consecutive days.

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Nationwide – Best for Multiple Discounts

Pros Cons
Multi-policy, multi-vehicle, and bundle discounts Quotes not available online
Good driver discount if accident-free for 36 months
Customizable policies for specific types of vehicles and trailers
Optional towing & labor also covers lodging, transportation, and meals

Nationwide offers the standard multi-policy and multi-vehicle discounts. However, you can also save money by taking an RV driving course, being part of an RV organization (such as the National RV Association), purchasing the company’s Full Timer’s package, or paying the annual policy up front.

Note that not all discounts are listed on Nationwide’s website. Some only come up during the quoting process. According to a customer service representative, other discounts can be had for installing a tire-pressure monitoring system or a fiberglass body on the RV.

Customize your policy to include roadside assistance, towing & labor, vacation liability, safety glass replacement, and replacement costs.

National General – Best for Policy Customization

Pros Cons
Insures almost all types of RVs, including pop-up trailers Eligibility, benefits, coverage, and discounts vary per state
Coverage for specialized equipment
Suspend your coverage for an RV in storage
Search assistance if your RV is stolen

National General allows drivers to fully customize their motorhome insurance to their needs, offering coverage for personal belongings, permanent attachments, and complete general liability, as well as full replacement cost.

Standard features include protection for any item attached to your RV, including satellite dishes and TV antennas. You may also add specialized equipment coverage to cover custom alterations such as retractable awnings or solar panels.

National General’s personal belongings coverage reimburses the total price you paid for the items instead of depreciated current values. Full replacement cost coverage guarantees you’ll get a new RV of equal or similar value if the vehicle is stolen or totaled.

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Progressive – Best for Variety of Vehicles

Pros Cons
Annual policies for basic liability cover all classes of RVs, including utility trailers No replacing personal belongings and emergency expense in the standard coverage
Horse trailer coverage up to $50k Insurance rates can vary if you buy online or through an agent
Original owner discount regardless of RV age
Roof Protection Plus® for damages caused by roof malfunction

Progressive covers a diverse range of RVs, including classes A, B, and C vehicles along with conventional motorhomes, 5th wheel, pop-up, truck-campers, cargo/utility & horse-travel trailers.

Standard RV coverage includes comprehensive and collision, liability, uninsured/ underinsured motorist, and medical payments coverage. Policies are customizable and can include other insurance products as needed.

Add-on coverage includes roadside assistance, total loss replacement, replacement cost for personal effects, vacation liability, full timer’s liability, loss assessment, emergency expense coverage, and pet injury coverage.

Safeco – Best for Optional Coverage

Pros Cons
Save by choosing cash value reimbursements Only covers vehicles used 250 days or less per year
Audio-visual and custom equipment coverage Coverage and maximum insurance value vary per state
Discount for RVs equipped with anti-theft devices
Deductible reduced by $100 annually (up to $500) if you remain claim-free

Safeco’s RV insurance coverage stands out for offering optional coverage options, including pet coverage, electronic key and lock replacement, audio-visual, custom equipment protection, and vacation liability. Their standard coverage includes personal property coverage as well as audio-visual and custom equipment coverage.

Safeco also touts its diminishing deductible. Claims-free policyholders could shave $500 off their deductible while still paying the same premium rate.

You can save money by choosing actual cash value reimbursements rather than replacement cost reimbursements. Or you can set your reimbursement rate, which would guide insurance adjusters after you file a claim.

Geico – Best for Affordable Rates

Pros Cons
Accident forgiveness on first at-fault accident Discount amounts, plans, and features vary per state
Discount if you hold a commercial driver’s license Enhanced RV coverage available in all states except HI, MA, MI, and NC
Special windshield deductible charges nothing for repairs and $50 for replacements
Prime Time contract offers a guaranteed renewal program for policyholders over 50

Geico offers affordable RV insurance policies for both recreational and full-time RVers. The company offers various discounts, including defensive driving, five-year good driving, retired government and military, multi-car, and membership and employee discounts.

For seniors and drivers over 50, Geico offers a Prime Time contract that offers guaranteed renewal. To qualify for the program, drivers must be at least 50 years old, have no operators under 25, no traffic violations or accidents in the past three years, and not use vehicles for business purposes. Prime Time contracts are only available in select states.

Geico offers a user-friendly app and a mobile enhanced website experience from which you can check your policy, pay bills, or submit claims. RV insurance quotes can be initiated both online or by phone.

Auto-Owners Insurance – Best for Personalized Customer Service

Pros Cons
Premium reduction if RV is equipped with certain safety features No online estimates. Buyers must contact an agent for quotes
Save by paying for the annual premium upfront or by choosing paperless billing
Lower policy cost for mature drivers not covering for drivers under 25
Towing and roadside assistance in all 50 states and Canada

Auto-Owners has one of the most robust customer service reputations in the RV insurance industry, offering personalized insurance for RV owners. Potential buyers must contact an agent, as each policy is custom-made to fit both the driver and the type of recreational vehicle.

Auto-Owners offers various discounts for life insurance or multi-policy holders, a discount for paying your premium on time for the past 36 months, and a paid-in-full discount when you pay the annual premium in full. Other rebates include a green discount for enrolling in paperless billing, a driver safety program, and mature drivers discounts for those over 50, as well as lower premiums for those with a favorable loss history.

Other Companies We Considered

Many other companies offer recreational vehicle insurance. While we were doing our research, we narrowed down our initial list to 11 companies. These are the 4 that didn’t make our final cut because their coverage options didn’t stand out.

AAA

  • Covers motorhomes, travel trailers, and campers
  • Add personal effects coverage to your policy
  • Drivers can include RV protection as an endorsement to an existing auto policy
  • Extra coverage for lodging and transportation if your RV is damaged
  • Licensed professionals assist you with coverage selection

Allstate

  • Multi-policy discount
  • Gas price locator to help you find the cheapest gas
  • Dedicated Allstate agent to guide you through your options
  • Discount if you transfer your policy from another insurance company
  • Drivers 55 years or older, not seeking full-time employment, qualify for additional discounts

Farmers

  • Recreational and full-time insurance available
  • Part-time users can opt for storage-only insurance during the off-season
  • Policy extends to travel anywhere in Canada
  • Coverage extends to travels within 25 miles of the Mexican border
  • Insures equipment permanently attached to your RV

USAA

  • Comprehensive and collision coverage available
  • Offers liability coverage against injuries or property damage
  • Discounts for safe driving, original ownership, and multiple policies
  • Coverage for all RV classes, including travel trailer insurance
  • If hit by an uninsured driver, the policy can cover injuries, RV damage, and lost wages

RV Insurance Guide

Motorhomes that have engines and are driven belong to one of four classes. These go from A to C, but not strictly by size. Towable RVs include various types of non-motorized vehicles in a variety of shapes and sizes. Here’s the rundown:

Class A motorhomes are the most luxurious and spacious, measuring 24-40 feet in length and fitting as many as 12 passengers.

Class B motorhomes, known as “camper vans,” are the smallest and less expensive, with a length of 17 to 19 feet.

Class B+ motorhomes are the big siblings of Class B camper vans. These larger vehicles measure between 17 and 30 feet.

Class C motorhomes have an over-cab space and serve as the middle ground in size between A and B RVs, measuring between 21 and 41 feet.

Towable RVs include fifth wheels, toy haulers, hybrids, pop-ups, and various non-motorized trailers. These range from under 10 feet for pop-ups to 30 feet for fifth-wheel trailers.

Types of RV Insurance

Because RVs are at the same time a vehicle and a home, insurance options combine elements found in both types of coverage.

From auto insurance, RV coverage borrows these components:

  • Property-damage liability coverage: pays for any damage that you cause to another person’s property or vehicle.
  • Bodily-injury liability coverage: pays for medical expenses and lost income to those you injure in an at-fault accident.
  • Collision coverage: unlike liability coverage which protects other drivers, collision coverage protects your RV investment after an at-fault wreck.
  • Uninsured/Underinsured motorist coverage: covers the cost of repairs to your car and medical expenses should you suffer an accident where you’re not at fault and where the other driver doesn’t have car insurance.
  • Personal Injury Protection (PIP): covers medical expenses for both you and your passenger in the event of an accident, no matter who was at fault. It also covers loss of wages.
  • Roadside Assistance: offers repair, towing, and emergency assistance should your RV experience a flat tire, battery discharge, or other malfunction.

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From home insurance coverage, RV insurance borrows the components that follow. Unlike the liability component of your policy, these are optional except as mentioned:

  • Personal property coverage: covers the cost of replacing any damaged or stolen personal effects that you keep inside your RV, including clothing, furniture, jewelry, and computers.
  • Total loss replacement: replaces your RV with an equal or similar model if your RV is ever stolen or totaled. If your RV is financed, this coverage may be required by the lender.
  • Full-time RV coverage: adds extra liability, secure storage, and medical coverage if you reside in your RV for six months or more each year.
  • Emergency Expense Allowance: covers living and travel expenses like car rentals, lodging, and food, for up to a specified amount if you’re involved in an accident more than 100 miles away from home.
  • Campsite/vacation coverage: protects you from liability if a non-family member suffers an accident while in your campsite area or inside your RV.
  • Specialized coverage: can replace appliances like awnings, satellite dishes, and solar panels and can even provide coverage for pets hurt while in the vehicle.

How to Buy RV Insurance

Take the time to shop for quotes

If you’ve already browsed RV insurance companies, you might have noticed that policy prices are rarely advertised.

The truth is that price varies significantly depending on your driver profile, the state where you live, RV type, intended motorhome use, and additional coverage.

It works to your advantage to request quotes from more than one insurance company. The best rates often go to those willing to shop around and get various estimates before choosing.

If you lack the time, you can consult with an independent insurance agent. They’ll usually provide inside information and guide you toward companies with attractive rates.

Bundle Multiple Policies

The easiest path to insure your motorhome may be to bundle your RV insurance with a pre-existing auto, life, or homeowners insurance policy.

Various insurance providers offer multi-policy rebates on your insurance premium when you combine RV insurance with other qualified policies. These provide savings and, in case of an accident, can reduce the hassle of dealing with multiple companies and claims.

Check for Available Discounts

Companies often offer discounts not only for bundling policies but also for paying the annual cost in full or paying premiums on time for a specific time.

Reduced insurance premiums are available for mature drivers 50 and up, for not insuring drivers under 25 on the policy, participating in driver safety programs, and having a safe driving history. Buyers can also save by choosing to go paperless instead of receiving a paper bill.

Some companies offer discounts for being the sole proprietor of the vehicle, having a favorable loss history, as well as for having certain safety features installed in your RV.

FAQs

How much is RV insurance?

RV insurance costs depend significantly on various factors, from the type of policy you choose, add-on coverages, and driving record to where you live.

According to The Wandering RV, the lowest insurance rates are found in North Carolina and Massachusetts, with annual prices around $860 and $1,128 per year. Michigan is the most expensive state, with an average of $4,490 per year. According to the website, the vast majority of states “fall between the two extremes.”

What insurance do I need for an RV?

You’ll need liability coverage for all motorized RV vehicles. Insurance is required to pay for damages or injury you may cause to other people and their property in an at-fault accident.

With the exception of New Hampshire, all states, and the District of Columbia, require that vehicles have some form of liability coverage, and RVs are included.

Insurance for towable RVs is another matter. When you’re towing your RV behind another vehicle instead of driving it, you can focus more on protecting your investment than carrying enough liability protection.

What company has the best RV insurance?

It’s hard to say which insurance company is better. Insurers offer different standard coverages and add-ons that could make more sense to you depending on your driving record, age, where you live, what type of vehicle you’re insuring, and for how long you will travel each year.

A few essential points to consider before buying are available in our RV Insurance Guide’s How to Buy RV Insurance section.

The more time you invest requesting quotes from different insurance companies, the better your chance to obtain the best rates.

What does RV insurance cover?

Some companies offer standard coverages that include collision, comprehensive, and liability coverage. Some may even have personal effects, up to a certain maximum, usually around $3000. But insurers, for the most part, custom build your policy to fit your individual needs.

The most common coverages are property-damage liability, bodily injury liability, uninsured/underinsured motorist, personal injury protection (PIP), and towing and roadside assistance.

Other optional coverages may include personal property coverage, total loss replacement, full-time RV coverage, emergency expense allowance, campsite/vacation coverage, as well as specialized coverage for more expensive equipment.

Are friends insured if they borrow your RV?

Most insurance companies extend coverage to people you know who drive your RV, including friends and family. However, it’s important to note that some states, including Arkansas and Wisconsin, require drivers to get special licenses to drive RVs. If you live in one of these states and you lend your RV to someone, that person must have the required license if you want your insurance policy to apply.

On the other hand, renting your RV is considered commercial use, and insurance companies typically don’t extend their policies to others who rent your RV. The renter must generally obtain their insurance for the unit. However, if you rent your RV through an agency that facilitates such rentals, it may be easier to obtain your policy.

Do I need to insure a type of RV that has no engine?

If you own or drive a motorhome, you’ll need to insure it comprehensively. For towable RV types — those without engines and steering wheels of their own — it may be enough to obtain campsite/vacation and personal property coverage.

You’ll likely also want to add total-loss replacement or optional coverages to cover for appliances and awnings if it has those, as well as coverage for emergency expenses.

Non-motorized RVs include, but are not limited to, truck camper, travel trailer, pop-up tent trailer, horse trailer, or toy hauler.

Do I need a full-time RV insurance policy?

A full-time RV insurance policy is required when you use your RV as your primary residence or if you spend more than 6 months a year driving the vehicle. For those that aren’t full-time RVers, a policy meant for recreational use should suffice.

How We Chose the Best RV Insurance

We chose companies that offer the standard auto coverage as well as RV-specific insurance. We also looked for insurers that cover as many RV types as possible, both motorized and towable.

Discount availability was also on the top of our list, featuring companies that offer lots of ways to save money from consistently paying on time and being a responsible driver to having anti-theft devices installed in your RV.

Lastly, we examined comments and ratings on various consumer review websites to select the RV insurance companies that stood out.

Summary of Money’s Best RV Insurance of 2021

  • Good Sam – Best for RV Full-Timers
  • Nationwide – Best for Multiple Discounts
  • National General – Best for Policy Customization
  • Progressive – Best for Variety of Vehicles
  • Safeco – Best for Optional Coverage
  • Geico – Best for Affordable Rates
  • Auto-Owners Insurance – Best for Personalized Customer Service

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This article originally appeared on Money.com and may contain affiliate links for which Money receives compensation. Opinions expressed in this article are the author's alone, not those of a third-party entity, and have not been reviewed, approved, or otherwise endorsed. Offers may be subject to change without notice. For more information, read Money’s full disclaimer.

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