6 Best RV Insurance Companies of July 2025

What to know about RV insurance

• RV insurance is essential for both full-time RV living and occasional trips.
• Premiums vary based on your driving record, RV model and location, and may change annually.
• Much like car insurance, it pays to shop around and get new quotes once your policy is up for renewal.
• Our top picks include Progressive, Auto-Owners Insurance and National General.

How we chose our top picks

Money’s editorial team has evaluated RV insurance providers since 2016. Our research and analysis consider customer satisfaction, financial stability, coverage options, and availability, among other factors. We reviewed 15+ companies, conducted over 1,000 hours of research on coverage, available discounts and customer satisfaction from third parties and regulatory agencies.

Read the full methodology to learn more.

Our top picks for the best RV insurance companies

• Progressive - Best Overall
• Auto-Owners Insurance - Best for Customer Satisfaction
• Nationwide - Best for Discounts
• National General - Best for Specialized Coverages
• Good Sam - Best for Comparing Multiple Providers
• Roamly - Best for Renting Out Your RV

Why we chose it: Progressive is our best RV insurer overall for its competitive catalogue of RV insurance products as well as its available discounts, which offer plenty of opportunities to save money, including the rare combination of disappearing deductibles and accident forgiveness.

While it costs extra, Progressive’s diminishing deductible benefit allows you to reduce your deductible by 25% every time you renew your policy without filing a claim or getting a traffic violation. After several claims-free periods, RV owners can get their deductibles down to zero. The benefit is automatically included at no cost when you purchase comprehensive and collision coverage for vehicles valued at $25,000 or more. Accident forgiveness for a claim of $500 or less is also included at no cost — this means your premium won't increase if you file a claim of $500 or less for your first “at fault” accident.

Why we chose it: Auto-Owners Insurance has an impressive customer service record. The insurer has fewer complaints with the National Association of Insurance Commissioners (NAIC) than most of its competitors.

Auto-Owners Insurance is also one of the few insurers with a B grade in Crash Network's 2024 Insurer Report Card. For this survey, repair shops nationwide evaluate whether insurers prioritize quality repairs and good customer service for motorists. Most major insurers in the U.S. got a grade of C+ or less.

Why we chose it: Most RV insurers offer discounts, but Nationwide's list is notably extensive. The insurer offers over 10 different discounts including discounts for staying claims-free and installing safety devices, like smoke detectors.

Beyond standard home, car and life insurance bundles, Nationwide offers unique opportunities to save money. You can get a premium discount for taking safety courses, joining an RV organization like the National RV Association and paying your annual policy upfront. Nationwide will also reduce your premium if you've insured your RV with another provider and maintained continuous coverage. Note that not all discounts are listed on Nationwide's website, and some only come up during the quoting process.

Why we chose it: National General offers a generous purchase price guarantee during the vehicle model's first nine years on the market. Other insurers don't offer this if the vehicle is more than five years old. This optional benefit reimburses the customer up to the original cost of the vehicle if it's stolen or totaled. RVs are also eligible for full replacement cost coverage during their first five model years, regardless of ownership (some companies limit this benefit to original owners).

Why we chose it: Good Sam Insurance Agency a great option for people who want to compare policies from multiple providers on a single platform and with the help of licensed agents who can match you to the right company.

Good Sam is an independent agency that partners with well-known insurers like Progressive, Foremost, Safeco and National General — all of which offer RV insurance policies that can suit the needs of most RV owners, whether they just use the vehicle for seasonal travel or intend to live in it. The company also collaborates with MexicoInsuranceOnline.com to connect clients to Mexico-based insurers that offer add-ons for cross-border travel, whether for single-day trips or extended stays.

Why we chose it: Most insurers decline to insure you and may even drop your coverage if you rent the vehicle to someone else. With Roamly, you can rent out your RV and the company won't cancel your coverage.

You can keep your original insurance policy and pay for specialized rental policy that covers you during the rental period through a platform like Outdoorsy (owned by Roamly). You don't have to notify Roamly that you're renting out the RV or pay any additional rental fees (something other insurers may charge). Once the rental period is over, Roamly will resume your regular coverage.

Other RV insurance companies we considered

During our research for the best recreational vehicle insurance providers, we narrowed down our initial list to seven companies. The following didn't make our final cut, not because they were lacking, but because other competitors had more standout features.

RVInsurance.com

RVInsurance.com can help you find a suitable policy, whether you use your RV for vacationing or as your residence. The agency works with Foremost, National General and Safeco. These companies cover all RV types, from motorhomes to campers. They offer several policy add-ons, such as full replacement cost, full-timers liability coverage and roadside assistance.

Why we didn’t pick it: Though RVinsurance.com partners with reputable insurers it didn’t stand out when compared to similar RV insurance agencies.

AAA

AAA offers coverage for different types of RVs and some of its policies also cover personal effects such as electronics.

Why we didn’t pick it: AAA didn’t make our list because coverage information isn’t readily accessible. You also have to be a member, which costs anywhere from $65 to $125 annually.

Allstate

Allstate’s policies include emergency travel expenses if you’re over 50 miles from home when your RV breaks down and the issue is covered under the policy.

Why we didn’t pick it: Allstate is not on our main list because it only provides quotes through its sales agents and the information on its website is limited. That said, RV owners interested in Allstate insurance can check out National General, an Allstate company and one of our top picks.

Geico

Geico offers coverage options comparable to those of other companies on our list (such as total loss replacement, emergency expenses coverage and vacation liability).

Why we didn’t pick it: Geico’s policies aren't available nationwide, and its website lacks crucial details, such as available discounts.

What You Need to Know About RV Insurance

Specialized RV insurance coverage combines the benefits of auto insurance and homeowner's insurance policies to cover the most common challenges you may face as an RV owner. Those include mechanical failure, inclement weather, theft or damage to the vehicle or your belongings, and even emergency lodging and transportation if you lose access to your RV while traveling.

Read on for a detailed breakdown of the coverages and costs as well as tips on how to select the best policy.

Coverage options for part-time RVers

People who use their motorhomes for weekend getaways or periodic vacations should at least have basic liability coverage that meets their state's minimum requirements.

For added peace of mind, part-time RVers may also want:

• Property damage liability coverage: Pays for damages you cause to another person’s property or vehicle.
• Bodily injury liability coverage: Reimburses the medical expenses of those you injure in an at-fault accident.
• Collision coverage: Covers repairs to your RV after an accident with another vehicle, whether you’re at fault or not.
• Comprehensive coverage: Pays for damages caused by theft, vandalism, natural disasters, fire and other non-collision accidents.
• Uninsured/Underinsured motorist coverage: Covers the cost of RV repairs and your medical payments if you’re in an accident caused by a driver without insurance or with insufficient coverage.
• Personal Injury Protection (PIP): Covers medical expenses for you and your passengers in the event of an accident, no matter who is at fault. It may also cover lost wages.
• Campsite/vacation liability coverage: Reimburses your legal expenses if you're held liable for injuries or losses incurred by a non-family member at a campsite or inside your RV.
• Roadside assistance: Offers towing and emergency assistance should your RV experience a flat tire, battery discharge or other malfunction.

Coverage options for full-time RVers

Full-time RVers may want to add the following to their base policy:

• Personal property coverage: Covers the cost of replacing any damaged or stolen personal belongings such as clothing, furniture, jewelry, and computers.
• Total loss replacement: Replaces your RV with an equal or similar model if your vehicle is stolen or totaled in an accident – rather than reimbursing you only for the depreciated value of your RV. In other cases, total loss replacement may reimburse you for the original purchase price.
• Full-time RV liability coverage: Adds additional coverage for liability and medical expenses if you live in your RV for six months or more each year.
• Emergency expense allowance: Covers living and travel expenses such as car rentals, lodging and food if your RV breaks down or is in an accident, leaving you stranded while traveling.
• Supplemental benefits: This adds coverage for such items as awnings, satellite dishes and solar panels, and even for pet injuries that happen in the vehicle.
• Loss assessment: Helps cover fees charged by RV associations for damage to common areas, such as in a campsite.

What RV insurance doesn't cover

RV insurance won't cover the following:

• Normal wear and tear: RV insurance protects your vehicle against unexpected events, not for the cost of routine maintenance or deterioration.
• Mold damage, fungi or rot: Insurers view mold as a sign of neglect and will not cover damages, except for those directly linked to water damage caused by a covered event.
• Certain types of water damage: RV insurance doesn't cover water damage caused by regular wear and tear, freezing temperatures or manufacturer defects.
• Earthquake damage: RV insurance covers most natural disasters, including floods, storms and fires. But, depending on the insurer, earthquake coverage may not be included.

How much is RV insurance?

As when insuring a car, the cost of RV insurance depends on the owner's driving record, the type of vehicle, its age, condition and features, and how much you use it.

According to data published by Progressive, an annual policy for a travel trailer costs $600. This includes liability, comprehensive and collision coverage. The same coverage for a motorhome costs a little over $1,000. If you're taking out a liability-only policy, the average premium is much lower, at about $125 per year.

What determines your RV insurance premium?

The cost of your RV insurance policy depends on these factors:

• The type of RV: Motorhomes insurance costs more than policies for trailers, camper vans and pop-up campers.
• Age and condition: Older trailers and motorhomes cost less to insure due to their reduced resale value.
• Type of RV insurance: A liability-only policy is more affordable than one that adds collision and comprehensive coverage, along with protection for personal property.
• Where you live: Your state and zip code affect your insurance rates. RVs in areas prone to extreme weather, or where RV theft and vandalism are higher, will be more expensive to insure.
• Driving experience and driving record: Insurers will review your general driving record and your experience with RVs. A first-time RV owner poses a higher risk than an experienced RVer.
• Claims history: Drivers who have never filed a claim are likely to secure a better rate.
• Credit score: Your credit score may be used to assess your claims risk, except in states where that use is prohibited by law.

How to buy RV insurance

Here are some tips on how to find and purchase the right RV insurance coverage for you.

1. Determine the coverage you need

Take stock of how you use your RV and what you want to protect. People who live in their RV full time have different insurance needs than occasional users or people who rent out their vehicle.

If you're renting an RV, you'll need an insurance policy specifically designed for that purpose. You can get it through the rental company or your auto insurer. Your existing auto policy may also provide some rental RV coverage. However, it may not apply in certain states or for trips over 30 days, so check with your insurer.

2. Shop around for RV insurance quotes

For the best rates, compare quotes from multiple insurers using an online marketplace or by consulting an independent insurance agent.

It also pays to shop around when the policy’s renewal comes around, especially if no loyalty discounts have yet kicked in, and if your premiums have risen from the previous year.

During this step, it's important not to withhold details from your insurance provider. For instance, you might get a cheaper premium by not disclosing that you plan to live in the RV, but if you were to file a claim and the insurer discovered that you misrepresented information, they could reject the claim and cancel your coverage.

3. Look for discounts and policy bundles

Insurers offer several opportunities to lower your premium rate. There are discounts for installing safety features, staying accident-free for at least three years, storing your vehicle seasonally and more.

You can also snag a lower rate by bundling your RV policy with your home or car insurance. Bundling also helps you avoid the hassle of dealing with different companies when you have to file multiple claims – for, say, weather damage to your home and vehicles.

What kind of insurance do I need to rent out my RV?

You need a temporary RV rental policy that covers the guest. This policy provides liability and medical payments coverage if the renter is responsible for property damage or injury to others. You can also add collision and comprehensive coverage to protect the RV itself.

If you rent out your vehicle through platforms like Outdoorsy and RVshare, you may not have to buy extra coverage — the company requires renters to buy insurance that will cover your RV.

Methodology

• Coverage options and discounts: We picked companies that offer a comprehensive selection of coverage options and premium discounts.
• Customer satisfaction: We favored companies with above-average scores in J.D. Power's latest U.S. Auto Insurance Study and considered customer feedback from review sites such as the Better Business Bureau (BBB).
• Financial strength: We considered each insurer's financial stability, as evidenced by its AM Best financial strength rating (FSR). AM Best is a credit rating agency that assesses insurance companies' creditworthiness.
• Complaint index: We looked up every insurer’s complaint trend report from the National Association of Insurance Commissioners (NAIC) and favored those with few complaints

Latest News in RV Insurance

Hikes in auto insurance premiums may have slowed down in 2024, but drivers still chose to shop for lower-priced policies. The number of people shopping for automotive insurance increased by 6% compared to the previous year, according to J.D. Power's Insurance Shopping Study.

More insurers are offering usage-based insurance (UBI) programs to auto owners. There are only a handful of RV "pay-per-mile" programs, which are a type of of UBI policy. But the increasing availability for car owners might signal a future shift in how premiums for all motor vehicles -- including RVs -- are determined.

Summary of Money’s Best RV Insurance of June 2025

• Progressive - Best Overall
• Auto-Owners Insurance - Best for Customer Satisfaction
• Nationwide - Best for Discounts
• National General - Best for Specialized Coverages
• Good Sam - Best for Comparing Multiple Providers
• Roamly - Best for Renting Out Your RV