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Published: May 13, 2024 25 min read

Money’s Main Takeaways

  • RV insurance is essential for both full-time RV living and occasional trips.
  • Premiums are based on factors like your driving record and RV type, age and condition.
  • Our top picks include Good Sam, National General and Auto-Owners Insurance.
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Our Partner
Company Highlight
Our Partner

Partners with top insurance companies such as National General, Progressive, and Safeco Insurance

  • Discounts: The Multi-Vehicle Discount (up to 20%), The Multi-Policy Discount (up to 10%), The Paid-in-Full Discount, Storage Option, among others.
  • RV Types: Class A, B, and C Motorhome; Airstream, 5th Wheel, Truck Camper, and others.
  • Add-ons will vary depending on provider.
Our Partner

A comparison-shopping marketplace that offers quotes from multiple providers

  • Discounts will vary depending on the provider but may include storage savings, disappearing deductible, and low mileage, among others.
  • Given the size of the company’s network, it can insure “just about any kind of RV.”
  • Add-ons will vary but may include full replacement cost, full-timer’s liability coverage, and roadside assistance.
Our Partner

Offers 24/7 claims support

  • Discounts: multi-vehicle discounts (up to 20%), diminishing deductibles, and storage savings (up to 53%).
  • RV Types: Class A, B, and C Motorhome; Airstream, 5th Wheel, and Travel Trailer.
  • Add-ons include full replacement coverage and depreciation-free coverage.
Our Partner

Coverage when you rent your RV, without a commercial policy

  • Covers DIY and professional conversions
  • File a claim online, via e-mail, or by phone
  • Extensive FAQ and informational content
  • Accredited and rated A+ by the Better Business Bureau

Why Trust Us?

Money’s editorial team has evaluated RV insurance providers since 2016. Our research and analysis take into account customer satisfaction, financial stability, coverage options and availability, among others. Read the full methodology to learn more.

  • Reviewed 15+ companies
  • Conducted over 1,000 hours of research
  • Prioritized coverage, discounts, customer sentiment, the NAIC complaint index and financial stability

Our Top Picks for the Best RV Insurance Companies

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Best RV Insurance Reviews

  • Offers full-timer coverage
  • Manage your policy online without agent contact
  • Discounts on campsites, gear stores, fuel, and more
  • Not a direct insurer

Why we chose this company: Good Sam Insurance Agency is the best option for those who need help selecting coverage. It connects you with some of the best RV insurance companies to help you get the right coverage level for your needs.

Good Sam works with renowned insurance providers like Progressive, Foremost, Safeco, and National General to offer a range of standard coverage options. Additionally, through its partnership with, the agency connects clients to Mexico-based insurers and offers tailored add-ons for cross-border travel, whether for single-day or extended stays.

The company also extends a storage discount, allowing policyholders to suspend collision and liability coverage when their RV or trailer remains unused for over 30 days, reducing monthly premiums. Furthermore, Good Sam assists in crafting personalized policies for full-time RVers.

Insurance options

Comprehensive, collision, liability, property damage, and personal injury protection, full replacement cost, full-time RVer, emergency expenses, personal effects and RV roadside assistance


Storage option, multi-vehicle, paid-in-full, multi-policy, safety and anti-theft devices


Vary by provider

Learn more: Good Sam RV insurance review

See rates on Good Sam's Secure Website >>

Why we chose this company: can help you find a suitable policy, whether you use your RV for vacationing or as your residence.

  • Specialists can help you find a policy
  • Policies available for all types of RVs
  • Not a direct insurer 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.

You can get a quote online, but calling to speak with an insurance specialist lets you compare policies in more detail.

Insurance options

Full replacement cost, permanent attachment, personal belongings, full-timer liability and roadside assistance coverage


Storage savings, disappearing deductible, safe/responsible driver, low mileage, paid-in-full


Vary by provider

See rates on's Secure Website >>

  • Free annual reviews to reevaluate coverage and discounts
  • Optional towing coverage includes lodging, transportation and meals
  • Various policies available for easy bundling and savings
  • Many customer complaints about the claims process

Why we chose this company: Nationwide Insurance offers over 10 different discounts, including discounts for staying claim-free during the previous policy period or installing safety devices, like smoke detectors.

Most RV insurers offer discounts, but Nationwide's list is notably extensive. You can save by bundling your RV policy with home insurance, taking safety courses, joining an RV organization like the National RV Association, paying your annual policy upfront or opting for Nationwide's full-time RV insurance package.

Note that not all discounts are listed on Nationwide's website, and some only come up during the quoting process. For example, according to a customer service representative, the company also offers discounts to customers whose vehicles have safety features such as tire-pressure monitoring systems or fiberglass bodies.

Insurance options

Roadside assistance, safety glass replacement, towing & labor, vacation liability, replacement cost


Multi-policy, multi-vehicle, RV safety course, RV association, paid-in-full, good driver


Home or auto insurance. Two or more ATVs, boats, motorcycles, snowmobiles or scooters

Learn more: Nationwide RV insurance review

See rates on Nationwide's Secure Website >>

  • Coverage for specialized equipment like solar panels
  • Pause your coverage when your RV is in storage
  • Experts help you find a new RV after a total loss
  • Low mileage discount
  • Eligibility, benefits, coverage and discounts vary per state
  • Limited information about policies on its website

Why we chose this company: Full replacement cost coverage can usually only be bought during an RV's first model year. National General, on the other hand, lets you get the rider within an RV's first five model years.

With full replacement cost coverage — also called total loss replacement — your RV is replaced with a new or similar one if it’s totaled or stolen, potentially reimbursing you for the original purchase price. This is typically only available for newly purchased motorhomes or travel trailers up to one or two model years old. If you buy a used RV or don't insure your new one as soon as possible, you risk it being considered ineligible.

With National General, RVs are eligible during their first five model years, regardless of ownership (some companies limit this type of coverage to original owners). It also offers the flexibility to pause coverage during storage, helping you save on premiums while protecting against theft, fires, weather damage, and more.

Insurance options

Personal belongings, vacation liability, specialized equipment, permanent attachments, full replacement cost, purchase price guarantee, countrywide towing and roadside assistance, emergency expenses


Multi-vehicle, diminishing deductible, storage savings


Bundle RV insurance with nine other types of policies from National General

Learn more: National General RV insurance review

See rates on National General's Secure Website >>

  • Accident forgiveness for claims under $500
  • Horse trailer coverage up to $50k
  • Pet injury coverage available
  • Add-on coverage available for roof malfunction
  • Standard plan excludes personal property and emergency expenses
  • Rates differ based on whether you buy online or through an agent
  • Discounts aren't available in all states

Why we chose this company: Progressive offers disappearing deductibles, accident forgiveness and an extensive array of discounts.

With Progressive, you can save on premiums if you’re the RV's original owner or pay your policy in advance, among other discounts. However, Progressive stands out from competitors because it offers both disappearing deductibles and accident forgiveness.

Unlike competitors, Progressive doesn't cap its diminishing deductible benefit at $500. Instead, it reduces your deductible by 25% each claim-free period, up to $0 after four periods. While it costs extra, the feature is included with comprehensive and collision coverage for vehicles valued at $25,000 or more. Accident forgiveness for claims of $500 or less is included at no cost.

Insurance options

Roadside assistance, total loss replacement, replacement cost/personal effects, vacation liability, full-timers liability, loss assessment, emergency expense, pet injury, road protection, pest damage


Multi-vehicle, advance quotes, original owner, pay-in-full, responsible driver, prompt payment, disappearing deductibles and more


Bundle with home, renters, auto, boat or motorcycle

See rates on Progressive's Secure Website >>

  • Specializes in RV insurance
  • Coverage even when renting out your RV
  • Policies for full-time RVers are available
  • Covers Canada rentals
  • Only offers RV policies

Why we chose this company: Insurers typically decline coverage if you rent your RV to someone else. With Roamly, you can rent out your RV and still be covered for liability and damage to the vehicle.

Rented RVs require comprehensive commercial insurance due to their higher risk exposure when compared to personal vehicles. Failing to insure your motorhome or camper when renting it out can lead to denied claims, especially if the renter lacks coverage.

With Roamly, your RV remains covered when listed on rental platforms like Outdoorsy (owned by Roamly). Renters booking your RV through Outdoorsy can opt for a renters protection package, including trip protection, interior damage and travel medical insurance. Roamly's policies cover rented RVs for their actual cash value during the rental period and provide $1 million in liability insurance protection per trip.

Insurance options

Total loss replacement, roadside assistance, full-timer RV and motorhome, RV rental, commercial RV


Military discount


None — Roamly specializes in RV insurance

Learn more: Roamly RV insurance review

See rates on Roamly's Secure Website >>

  • Premium reduction if RV is equipped with safety features
  • Towing and roadside assistance in all 50 states and Canada
  • Mobile app for Apple and Android
  • No online quotes

Why we chose this company: Auto-Owners is our pick for personalized customer service because of its network of independent agents, online customer center and mobile app. Customers can access claims, billing and other important policy documents on their phone, tablet or computer.

Auto-Owners has an impressive customer service record, with fewer complaints with the National Association of Insurance Commissioners (NAIC) than most competitors. It also ranked above average in the southeast region in J.D. Power’s 2022 Auto Insurance Customer Satisfaction study.

Unlike other companies, Auto-Owners only sells its insurance products through independent agents. Instead of contacting the company online, you work directly with local agencies that can better advise you regarding specific insurance requirements in your area. For example, bodily injury and property damage liability limits set by law vary by state.

Insurance options

Uninsured/underinsured motorist, personal property, roadside assistance, additional expenses


Payment history, paid-in-full, paperless billing, advance quote, safety features, driver safety program, mature drivers, favorable loss history


Multi-policy, life multi-policy

Learn more: Auto-Owners RV insurance review

See rates on Auto-Owners's Secure Website >>

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Compare RV Insurance Policies

Customers Report Average Savings of $530 per Year


Specialty RV Coverage - Save up to $530 Per Year

  • 96% overall customer satisfaction rating
  • Total-loss replacement for motorhomes and travel trailers
  • Specialized coverage for full timers or first-time weekend RV'ers
  • RV storage option allows you to save even more by turning off coverage when your RV is not in use!

Covers Everything from Class A Motorhomes to Pop-Up Campers

Customers report average savings of $321 per year

  • Covers everything from class A motorhomes to pop-up campers
  • Quote and buy online
  • Speak to a professional, licensed agent
  • Fully licensed, multi-line agency can quote your auto, home, boat and other insurance products

Countrywide Towing & Roadside Assistance

"Turn Off" for liability & collision during storage - Save 53%

  • Top rated choice: A+ BBB rating
  • Cover your personal belongings or attachments
  • Full-timer coverage options
  • Mexico insurance options available
  • Total Loss RV replacement

Other RV Insurance companies we considered

During our research for the best recreational vehicle insurance providers, we narrowed down our initial list to 7 companies. The following didn't make our final cut, not because they were lacking, but because other competitors had more standout features.


  • Covers motorhomes, travel trailers and campers
  • Includes roadside assistance, hotel discounts and more
  • Coverage for lodging and transportation if your RV is damaged
  • Coverage options are not standard across regions
  • RV policy not available nationwide
  • Limited information available online

AAA offers coverage for different types of RVs and some of its policies also cover personal effects such as electronics. However, it didn’t make our list because it doesn't offer coverage in all 50 states.

See rates on AAA's Secure Website >>


  • Discount if you transfer from another insurance company
  • Discounts for drivers 55 years or older
  • Gas price locator to help you find the cheapest gas
  • Limited information on company website
  • Online quotes not available

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. Allstate is not on our main list because it only provides quotes through its sales agents and the information on its website is limited.

See rates on Allstate's Secure Website >>


  • Total windshield replacement deductible is only $50
  • ​​Personal effects replacement limits up to $100,000
  • Free accident forgiveness after 5+ years
  • Offers limited information on its website
  • Enhanced RV coverage unavailable in HI, MA, MI and NC
  • Total loss replacement coverage availability varies

While Geico offers coverage options comparable to those of other companies on our list (such as total loss replacement, emergency expenses coverage and vacation liability), its policies aren't available nationwide. Its website also lacks crucial details, such as available discounts.

See rates on Geico's Secure Website >>


  • Loan or lease protection coverage available
  • Deductibles diminish by $100 per year up to $500
  • Insures motorhomes valued at up to $1 million
  • Coverage available for custom equipment
  • Only covers vehicles used 250 days or less per year
  • Limited information available on website
  • No online quotes available

Safeco covers class A, B and C motorhomes valued at up to $1 million, but only if used recreationally. It didn’t make our list because its website doesn't offer much information and coverage is limited to vehicles used less than 250 days a year.

See rates on Safeco's Secure Website >>


  • Coverage for emergency expenses if camper is damaged or destroyed
  • Pays for transportation of damaged RV to storage, repair shop or home
  • Full-timer coverage for trailers, motor homes, luxury coaches and more
  • Special policies for USAA members
  • Not available in DC or Hawaii
  • Limited information on website

Foremost, a subsidiary of Farmers Insurance, has policies for full-timers as well as stationary travel trailers. It also covers personal-use motor homes that you occasionally rent, lease or loan. Unfortunately, this policy doesn’t cover the vehicle while it’s rented, leased or loaned.

See rates on Foremost's Secure Website >>


  • Offers storage-only insurance during the off-season
  • Policy extends to travel anywhere in Canada
  • Insures equipment permanently attached to your RV
  • No information regarding discounts
  • No online quotes

Despite offering coverage in Canada, Farmers Insurance fell short of our list due to limited information regarding specific coverages and discounts on its website. This lack of transparency makes it challenging for consumers to assess the scope and value of its policies.

See rates on Farmers' Secure Website >>


  • Multi-vehicle, safe driver and original ownership discounts
  • Coverage for all RV classes, including slide-on campers
  • Members get a 5% discount on policies
  • Policies only available to military families
  • 5% members discount not available in all states

USAA offers RV insurance through an alliance with Progressive, which covers almost all types of RVs. The drawback to USAA’s policies is that they’re only available to military families.

See rates on USAA's Secure Website >>

Country Financial

  • Multi-policy discount
  • Mobile app for Apple and Android devices
  • Only available through agents
  • Operates in only 19 states
  • Limited information available on website

Country Financial's RV insurance policies fall under home or auto insurance. That can be a drawback for consumers who already have a preferred auto or home insurer. Another notable snag in its coverage is that it’s available in only 19 states.

See rates on Country Financial's Secure Website >>

National Interstate

  • Options for RV full-timers
  • 25% deductible discount for each consecutive claim-free year
  • Windshield replacement coverage
  • Coverage for commercial RVs
  • Only available through agents
  • Website lacks information about terms and discounts

National Interstate has policy options for RV full-timers and covers commercial RVs. This insurer is not featured on our main list because its website doesn't provide details regarding policies or discounts.

See rates on National Interstate's Secure Website >>

The Hartford

  • Lifetime guarantee for repairs done in authorized repair shops
  • 24/7 claims submission
  • RV replacement if it's totaled in the first 15 months
  • Only available to AARP members
  • Not available in U.S. territories

The Hartford allows policyholders to customize their RV insurance coverage, and its lifetime guarantee for repairs in authorized shops is a highlight of its policies. However, coverage is only available to AARP members, which is a considerable drawback.

See rates on The Hartford's Secure Website >>

RV Insurance Guide

Like auto insurance, RV insurance offers financial protection for accidents, injuries and other unforeseen events. It can cover repair costs, medical bills and liability expenses if you injure someone or damage their property.

While comprehensive policies covering collision, theft and personal belongings are widely available, occasional RV users may not need such extensive coverage. Read on for information on RV insurance costs, coverage options and tips for selecting the right policy for your needs.

Table of contents

How much is RV insurance?

According to Progressive, an RV insurance policy for a travel trailer (an RV you tow behind your vehicle) costs an average of $573 annually. In contrast, coverage for a motorhome costs an average of $958 per year.

The following factors influence the cost of an RV insurance policy:

  • The type of RV: Motorhomes are more expensive to insure than trailers (especially those with state-of-the-art components).
  • Age and condition: Older trailers and motorhomes cost less to insure due to their reduced resale value.
  • Type of RV insurance: A policy with just liability coverage is more affordable than a comprehensive one with collision and personal property coverage.
  • Where you live: Your state and zip code affect your insurance rates. RVs in areas prone to extreme weather will be more expensive to insure.
  • Driving experience and driving record: A first-time RV owner poses a higher risk than an experienced RVer. Insurers will also review your general driving record to determine an appropriate rate.
  • Claims history: A lengthy claims history is a red flag to insurers. Drivers who have never filed a claim will get much better rates than those who have.
  • Additional coverage: Purchasing add-ons such as roadside assistance, total loss replacement, vacation liability and full-timers coverage will increase your premium.

Types of RVs

Recreational vehicles fall into four categories: Class A, Class B, Class C and towable RVs. The first three are motorhomes, drivable units with living quarters and appliances. Towable RVs, also called campers or trailers, may also have amenities, but some are designed to transport animals or cargo.

Here's the rundown of the different types of RVs available:

Class A motorhomes

Class A motorhomes are the most luxurious and spacious, measuring 24 to 45 feet long and fitting as many as 12 passengers. However, their size can make driving tricky and limit their mileage to around 10 miles per gallon or less.

Class B motorhomes

Class B motorhomes, also known as “camper vans,” are the smallest (17 to 19 feet long) and least expensive type. These are standard-sized vans usually packed with a compact kitchen, bathroom and foldable or fixed bed. Their limited living space makes them suitable for four passengers or less who enjoy minimalist traveling.


Class B+ or B Plus motorhomes

Class B+ or B Plus motorhomes are the big siblings of Class B camper vans. These vehicles measure between 17 and 30 feet, fitting bigger beds and more spacious bathroom and kitchen areas.

Class C motorhomes

Class C motorhomes measure 21 to 41 feet long and are easily recognized by their over-cab sleeping or storage area. Compared to larger units, they have better gas mileage and maneuverability and are ideal for full-time living. Class C motorhomes can accommodate up to eight passengers and include a kitchen, dining area, bathroom and sleeping quarters.

Towable RVs

Towable RVs can be hitched to SUVs, pickup trucks or any capable vehicle. This category encompasses fifth wheels, toy haulers, travel trailers, and pop-up and truck campers, typically ranging from 10 to 30 feet. Other types of towable RVs include utility, cargo and horse trailers.

What type of insurance does an RV need?

Since RVs can be vehicles and primary residences, insuring them requires special considerations. Some policies offer basic liability protection, while others provide broader coverage for personal effects and emergency expenses.

Keep in mind that if your RV is self-propelled, your coverage should meet your state's minimum liability insurance requirements. This applies whether you use the vehicle occasionally or as a residence.

If your RV is towable, the insurance policy on the towing vehicle may extend to the RV. However, note that the towing vehicle’s policy usually only covers liability, not physical damage to the RV or attached accessories.

Best RV insurance features for part-time RVers

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

Other types of RV insurance for part-time RVers include:

  • Property damage liability coverage: Pays for damages you cause to another person’s property or vehicle.
  • Bodily injury liability coverage: Helps pay 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 repairs to your RV and your medical payments if you’re in an accident caused by a driver without insurance or insufficient coverage.
  • Personal Injury Protection (PIP): Covers medical expenses for you and your passenger in the event of an accident, no matter who is at fault. It may also cover lost wages.
  • Campsite/vacation liability coverage: Helps pay for legal expenses if you're deemed responsible for injuries or losses incurred by a non-family member within your campsite or RV.
  • Roadside Assistance: Offers around-the-clock repairs, towing and emergency assistance should your RV experience a flat tire, battery discharge or other malfunction.

Best RV insurance features for full-time RVers

For added peace of mind, full-time RVers should consider having a more comprehensive policy that includes some of the above-mentioned add-ons as well as any of the following:

  • Personal property coverage: Covers the cost of replacing any damaged or stolen personal effects. This includes clothing, furniture, jewelry and computers, for example.
  • Total loss replacement: Replaces your RV with an equal or similar model if your vehicle is stolen or totaled in an accident. The insurer may reimburse you for the original purchase price in other cases. Lenders may require this coverage if you finance your RV.
  • 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 up to a specified amount of living and travel expenses like car rentals, lodging and food if your RV leaves you stranded, usually more than 100 miles away.
  • Specialized coverage: Can replace appliances like awnings, satellite dishes, and solar panels and can even provide coverage for any pet injuries that happen in the vehicle.
  • Loss assessment: Helps cover fees RV associations charge for damage to common areas in a campsite, for example.

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 routine maintenance or deterioration.
  • Mold damage, fungi or rot: Insurers consider mold a sign of neglect and won't cover damages unless it's 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 earthquake coverage varies by insurer.

How to Buy RV Insurance

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

Determine the coverage you need

Your car insurance policy may extend to towable campers or trailers, but not motorhomes. And while auto insurance may cover you against liability and damages to the RV, it generally doesn't cover belongings or appliances inside the vehicle. Homeowners insurance may also offer some coverage, but only when the RV is parked on the insured property.

Another option is umbrella insurance for your RV, which covers liability claims exceeding your primary auto, home or RV policy limits. However, coverage only kicks in if your RV is covered by an underlying policy that meets the umbrella policy's liability requirements.

Take time to shop around for insurance quotes

RV insurance costs depend on your driving history, location, type of vehicle and usage and any optional riders you select. To get the most affordable premium for the coverage you need, compare quotes from multiple insurers. Consult an independent insurance agent if you don’t have time to shop around.

Consider bundling multiple policies

Most insurers offer multi-policy discounts, helping you save on premiums by combining your RV policy with auto, home, renters, boat or even life insurance policies. Bundling can also help you avoid the hassle of dealing with different companies when you have to file a claim.

Check for available discounts

While these may vary by company, most insurers offer rate discounts for:

  • Paying the total annual policy upfront
  • Making monthly payments on time
  • Staying claim-free during the previous policy period
  • Being the vehicle's original owner
  • Installing safety features in your RV
  • Having a favorable record of insurance losses
  • Staying accident-free for at least three years
  • Taking safety courses
  • Being a member of an RV association

Drivers aged 50 and up can snag a lower rate, as can parents or guardians who opt not to insure drivers under 25 on their policy.

Insurance when renting an RV

If you plan on renting an RV for a vacation, consider getting RV rental insurance. This type of policy usually provides liability, collision damage waiver, and coverage for personal accidents or personal effects.

You can purchase a policy through the rental company or your insurer. However, remember that your current car or RV insurance policy may already extend some rental RV coverage. Coverage may not be available in some states or for trips longer than 30 days, so call your insurer to verify before heading out.

Renting out your RV

If you rent your RV to others, it's considered a commercial-use vehicle, and your insurance policy won’t cover the renter. The person must obtain their own rental insurance. If you’re merely lending your RV to a friend or family member, your existing coverage may extend to them, depending on your policy.

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 lend your RV to someone, that person must have the required license if you want your insurance policy to cover them.

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

To rent out an RV, you'll need at least liability coverage, which pays for damages or injury you may cause to other people and their property in an at-fault accident. Except New Hampshire, all states and the District of Columbia, require that vehicles, including RVs, have liability coverage.

Insurance for towable RVs is another matter. When you tow your RV behind another vehicle instead of driving it, you only have to worry about having enough coverage to protect your belongings, not additional liability insurance.

RV Insurance FAQs

How much is RV insurance?

Some insurers offer policies starting at around $100 per year. However, these low-priced policies typically only offer basic liability protection. A 12-month comprehensive policy for a motorhome could cost anywhere from $500 to $1,000 or more, depending on the coverage add-ons you pick, the type of RV you own and your driving record.

What states require trailer insurance?


Trailer insurance requirements vary by state and by type of trailer. Most local governments require liability insurance, while others also require uninsured motorist coverage.

Currently, only two states don't require any type of trailer insurance. You can drive an uninsured vehicle in Virginia if you pay an uninsured motorist fee. In New Hampshire, you can drive uninsured if you prove you have enough money to cover liability expenses in an at-fault accident.

Do you need trailer insurance?


You don't need insurance for a non-motorized trailer hooked to a towing vehicle. The vehicle's insurance coverage extends to the trailer attached to it. However, this coverage is typically limited to liability.

Talk to your auto insurance provider if you want to add property damage coverage for the trailer or purchase a separate RV insurance to ensure the trailer is insured against damage.

Who has the best RV insurance?

The best RV insurance policy for you will depend on factors such as your driving habits, age and type of RV. Also, consider how often you'll use your RV throughout the year. Get quotes from several different carriers to get the best deal on the coverage you need. For more information on factors to consider before making a selection, read our section on how to buy RV insurance.

Does RV insurance cover water damage?

Comprehensive coverage may pay for water damage beyond the owner’s control. For example, RV insurance would cover the resulting water damage if a storm causes a branch to fall and puncture your roof. However, it won’t cover damage due to neglect or poor maintenance.

What is vacation liability RV insurance?

Vacation liability coverage offers personal liability protection if someone is injured in or around your RV while parked in a campsite. This rider is often recommended for full-time RVers or those who frequently go on road trips. Insurers usually cover up to around $10,000 but may increase the limit to $100,000 or more for an additional cost.

How We Chose the Best RV Insurance

  • 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 U.S. Auto Insurance Study.
  • Financial strength: We considered the financial strength of each insurer as evidenced by their A.M. Best rating. A.M Best is a credit rating agency that assesses the creditworthiness of insurance companies.
  • 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.

Summary of Money’s Best RV Insurance of 2024