The Best RV Insurance Companies in 2024
Progressive's wide range of coverage options makes it the top pick for best RV insurance company.
Find Cheap Insurance Quotes in Your Area
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, it's important to find the best RV insurance company for your situation.
ValuePenguin analyzed top national companies based on the coverage offered, discounts available and customer service to guide you to the best company.
Best RV insurance overall: Progressive
-
Editor rating
Why it's great
Progressive offers a wealth of extra coverage options and benefits, which make it a great choice for most RV owners.
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 companies. For example, Progressive RV policies include both accident forgiveness and pet injury coverage. Other insurance companies typically require you to pay extra for these benefits.
Progressive also offers online quotes for many types of RVs, including Class A stand-alone, fifth wheel and pop-up campers. This can help you compare prices and customize your coverage. Most insurance companies require you to speak to an agent for an RV insurance quote.
Best customer service: Auto-Owners
-
Editor rating
Why it's great
Auto-Owners is the best place to start looking for RV insurance if a high-quality customer experience is important to you.
Auto-Owners consistently has a strong customer service reputation in both auto and home insurance. This makes it a good 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 Insurance has 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
-
Editor rating
Why it's great
National General's online form is one of the quickest ways to get a rate estimate for mobile home insurance.
National General's bundling discount makes it one of the most affordable RV insurance companies. The company offers a multi-policy 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. So if your car and RV are damaged in the same event, you'll only have to file one claim and pay one deductible. This could be particularly useful for customers who tow or hitch their RVs to their cars.
As a bonus, National General makes it easy to get an RV insurance quote online. Many other companies require you to speak with an agent before getting RV insurance rates, but National General will give you a quote online with some basic details about your location, make, model and other standard info.
One downside of National General is a fairly high number of complaints about its customer service.
Best discounts on RV insurance: Nationwide
-
Editor rating
Why it's great
Bargain hunters may want to start their search with Nationwide and its large array of discounts on RV insurance coverage.
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 multi-policy discounts for combining your RV insurance 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 and for being a member of an RV club.
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
- Allstate
- Blue Sky
- Country Financial
- Farmers
- Foremost
- Geico
- Good Sam Insurance Agency
- Safeco
- AARP/The Hartford
How to choose the right RV insurance policy
When comparing your RV insurance options, it's important to get a policy tailored to your RV type, lifestyle and personal preferences. For example, road trippers will probably want more coverage compared to someone who spends one or two weekends a year camping. If you use your RV as a home, you should consider more coverage.
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 pays 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 may include fire damage, wind damage and theft.
- Uninsured or underinsured motorist coverage protects you if another motorist is at fault for injuries or damage caused to you and doesn't have enough insurance coverage to pay for it. Some states require you to buy this coverage.
- 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.
It's almost always a good idea to get uninsured or underinsured motorist coverage regardless of whether your state requires it. According to a study by the Insurance Research Council, one in every eight drivers does not have insurance.
Keep in mind that you may have to pay tens, if not hundreds, of thousands of dollars from your own pocket if you get into an accident with an uninsured driver.
RV insurance coverage for full-timers
People who live in their RVs full time may want to check that 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 protects 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 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 make sure you have personal property coverage — sometimes called personal effects coverage — so you're covered in case of thefts and accidents.
RV insurance coverage add-ons for part-timers
Part-timers buy an RV insurance policy that is only used during part of the year, so you might want vacation liability and storage coverage.
Vacation liability coverage
Vacation liability coverage offers 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 can 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 live in the RV less than full-time, and each insurance company may have a different definition of part-time use.
Storage option
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 pay for vet bills related to pet injuries if they're hurt in a covered accident. Limits for this coverage are generally low, but it's a good way to save on veterinary bills if you're a pet owner.
Mexico physical damage
This covers you if your RV is damaged while you're in Mexico.
For international travelers who often go south of the border, this is a great feature. However, you should note that liability coverage is generally not included, and you will have to buy it from a Mexican insurance company.
Diminishing deductible
Many RV insurance companies 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 frame designed for buses or large 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 frame, are mid-size RVs, and insurance prices generally fall between the other two frames.
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 that 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.
Methodology
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.