Falling somewhere between homeowners and auto insurance policies, recreational vehicle (RV) insurance policies address the unique risks of a moving vehicle that is also a living space and is regularly used in areas besides your home. Whether you live in a motor home full time or use a camper trailer occasionally for vacations, we found the best RV insurance provider for your situation.
Best RV insurance overall: Progressive
Progressive has the best RV insurance, thanks to the company's wide range of coverage options. Whether you're an RV full-timer or part-timer, Progressive's standard policies typically include more features than policies from other insurers. For example, Progressive RV policies include both accident forgiveness and pet injury coverage, which usually cost more at other insurers.
Progressive also offers online quotes for many types of RVs, including Class A stand-alone, fifth wheel and pop-up campers. This makes comparing prices and customizing your coverages much simpler, as most insurance companies require you to speak to an agent for an RV insurance quote.
Best customer service: Auto-Owners
Auto-Owners consistently has one of the strongest customer service reputations in both auto and home insurance. This makes it a great company for RV owners who want to make sure any claims are resolved quickly.
You can also find a wide variety of discounts with Auto-Owners, including a green discount, a discount for paying on time and a discount for not having any young drivers on your policy.
Auto-Owners Insurancehas very well-rated customer service overall. However, its RV insurance is not available online, so you'll have to call or email to get a quote.
Best auto and RV bundle: National General
National General's bundling discount makes it one of the most affordable RV insurance companies. The company offers a multipolicy discount on auto and RV insurance of up to 20% for customers who buy both policies through National General.
In addition, your bundled policies will be covered under a single deductible: If your car and RV are damaged in the same event, you'll only have to file one claim and therefore pay one deductible. This could be particularly useful to customers who tow or hitch their RVs to their cars or vice versa.
As a bonus, National General makes it easy to get an RV insurance quote online. Many other companies will generally require you to speak with an agent before getting RV insurance rates, but National General will give you a quote online with some basic info about your location, make, model and other standard info.
One downside of National General is a fairly high number of complaints about customer service.
Best discounts on RV insurance: Nationwide
One of the country’s largest home and auto insurance companies, Nationwide has the greatest variety of discounts of any of our top RV insurance companies.
Nationwide offers many of the discounts you'd expect with most RV insurance companies, such as multipolicy discounts for combining your purchase with home or auto insurance, savings for paying your policy in full and a discount for maintaining continuous insurance coverage on your vehicle.
However, Nationwide stands out for offering less common discounts. For example, you'll get discounts for completing an approved state RV driving safety course, being a member of an RV club and being a member of a qualifying affinity organization, which includes hundreds of alumni associations and professional groups.
Other top RV insurance companies
RV insurance is a specialized type of insurance, and it's less widely offered than other types of insurance such as homeowners and auto.
Alternative RV insurance options
- Blue Sky
- Country Financial
- Good Sam Insurance Agency
- National Interstate
- The Hartford
How to choose the right RV insurance policies
When comparing your RV insurance options, it's important to get a policy tailored to your RV type, lifestyle and personal preferences. As a foundation, most RV insurance companies have standard coverage features for both full-timers and part-timers.
- Bodily injury liability covers the cost of injury to others, including medical bills and lost income, after an accident you cause with your RV.
- Property damage liability covers the cost of damage you cause to other people's property in an RV accident.
- Collision coverage will reimburse you for damage to your motor home or camper trailer if it's damaged in an accident with another vehicle or rolls over.
- Comprehensive coverage covers events unrelated to collisions on the road. This could include fire damage, wind damage and theft.
- Uninsured or underinsured motorist coverage protects you if another motorist, at-fault for injuries or damage caused to you, cannot afford to reimburse you through their insurance coverage. Some states make this mandatory.
- Personal injury protection helps pay for medical costs for you and your passengers after an accident in your RV, regardless of who is at fault in the accident.
RV insurance coverage for full-timers
People living in their RVs full time may want to ensure their policy has coverage features like personal liability and personal property coverages.
Personal liability coverage
The best RV insurance policies for full-timers include personal liability coverage, which will protect you from legal liability for injuries that happen in your RV or on your property near your RV.
This protection is similar to the liability coverage you would get in a home insurance policy — because as a full-timer, your RV is your home.
Personal property coverage
Part-time RV users won't necessarily have their most valuable possessions in their vehicles, and their insurance policies will often include limited or no protection for damage to their personal belongings.
If you're a full-timer, chances are you keep valuable items in your RV, and you'll want to ensure you have personal property coverage — sometimes called personal effects coverage — so you're reimbursed due to theft or an accident.
RV insurance coverage add-ons for part-timers
Part-timers buy an RV insurance policy that will only be used during part of the year, so you might want vacation liability and storage coverage.
Vacation liability coverage
Vacation liability coverage provides the same type of protection as personal liability coverage but in certain places, like a campsite.
For people who only use their RVs for part of the year, vacation liability will protect them from legal liability for injuries that happen in their RV or on their property nearby. However, this coverage is only available if you reside in the RV less than full-time, and each insurance company may have a different definition of part-time use.
If you don't use your RV the entire year, paying for year-round coverage doesn’t make sense.
Some RV insurance companies, including National General, let you suspend some coverages (like collision) while keeping others (such as comprehensive). This means you'll cut costs while keeping the protection that matters.
RV insurance coverage add-ons for both full-timers and part-timers
RV insurance companies also offer coverage that can be added to both full-time and part-time policies, depending on your lifestyle.
Pet injury coverage
This will reimburse you for injuries to your pets if they're hurt in a covered accident. Limits for this coverage are generally low, but it is a good way to save on veterinary bills if you're a pet owner.
Mexico physical damage
This covers you for physical damage sustained to your RV while you're driving or transporting it in Mexico.
For international travelers who often go south of the border, this is a great feature, but you should note that liability coverage is generally not included and will have to be purchased from a Mexican insurance company.
Many RV insurance providers offer a diminishing deductible coverage option, which reduces your deductible each year you don't file a claim. This feature can help you avoid out-of-pocket costs if you do end up in a rare accident.
How your RV class affects your insurance
The class of your RV will affect the price of your RV insurance.
- Class A recreational vehicles have the most expensive RV insurance because they are larger and built on a chassis designed for buses or trucks.
- Class B motor homes, often called camper vans, have the cheapest insurance prices of the three classes.
- Class C motor homes, built with a cabin chassis, are midsize RVs, and insurance prices generally fall between the other two classes.
Although not mandatory, you can use RV insurance to cover a towable trailer for extra protection. But towable recreational vehicles are typically covered by the insurance of the towing vehicle, whether that's a car or a motor home.
Frequently asked questions
What is the best RV insurance company?
Progressive is the best company for RV insurance. It has a wide range of coverage options, is available in most places in the United States and bundles RV insurance with other kinds of insurance, like auto and homeowners.
What is the cheapest RV insurance?
While every RV policy will have a different rate based on the driver and the vehicle's value and location, Nationwide offers the most discounts to RV owners. That may help you reduce the cost of insurance for your RV.
Do I need RV insurance?
Usually, yes. Any RV with an engine and can move under its own power is required to have its own policy. If your RV is a trailer, it may be covered under your existing car insurance policy, but you would not be covered for things like storm damage without RV or travel trailer insurance.
To find the best RV insurance companies, ValuePenguin considered the top companies that offer coverage nationally, comparing discounts, coverage options and customer service. We put an extra emphasis on coverage options, as RVs are expensive investments that are exposed to more risks than a typical car or home.