6 Best RV Insurance Companies of April 2025

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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.

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

Best RV Insurance Reviews

Why we chose it: Progressive is our best RV insurer overall for its competitive catalogue of RV inurance 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 deductible 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.

Members of the military and family can also get Progressive RV insurance through USAA and save an additional 5% on their insurance policy.

Though Progressive is often recommended by users on RV online forums, the insurer is rated average in terms customer satisfaction (as is the case with most U.S. insurers). It ranks slightly below industry average on multiple J.D. Power Auto Insurance surveys and earned a C grade from the Crash Network, which gathers information from auto shops regarding repairs and customer satisfaction.

Learn more: Progressive RV insurance review

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Why we chose it: Auto-Owners Insurance has an impressive customer service record and fewer complaints with the National Association of Insurance Commissioners (NAIC) than most of its competitors. It's also one of the few insurance providers in the country with a B grade from Crash Network.

In J.D. Power's 2024 Auto Insurance Customer Satisfaction Study, Auto-Owners Insurance earned above-average rakings in Florida and the Central region, which includes Arkansas, Iowa, Kansas, Minnesota, Missouri, Nebraska, North Dakota, Oklahoma, and South Dakota.

Auto-Owners Insurance also stands out from major insurers nationwide with a B rating in Crash Network's, 2024 Insurer Report Card. For this survey, body shops nationwide are asked to evaluate whether insurers prioritize quality repairs and good customer service for motorists. Most auto insurers with the largest market share in the U.S. got a grade of C+ or less.

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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.

In terms of customer satisfaction, Nationwide has mixed reviews. In J.D. Power's 2024 Auto Insurance Study, the insurer ranks lower than the industry average in several regions of the country. Crash Network’s Insurer Report Card, which measures quality repairs and customer service for motorists, also gave Nationwide a C grade. That said, J.D. Power's 2024 U.S. Auto Claims Satisfaction Study — which only looks at the claims process — places Nationwide at a higher spot.

Learn more: Nationwide RV insurance review

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Why we chose it: National General has a host of specialized coverages designed to fit the needs of every type of RV owner, including unique benefits such as coverage for specialized equipment, pet insurance and policies compliant with Mexico insurance law.

National General's coverage for specialized equipment is particularly good for RV owners who want t invest in (and protect) upgrades such as solar panels, custom wheels or modified suspension systems.

And though competitors offer some of these benefits as well, certain add-ons such as pet coverage and policies compliant with Mexico insurance law to facilitate cross-border travel, aren't as common. National General also offers coverage options for full-time RV living, vacation liability, accident forgivenes and more.

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

One notable downside is Nationwide’s D+ rating on Crash Network’s Insurer Report Card, Though the survey doesn’t distinguish between RVs and cars, a low rating regarding repairs and customers service might be of concern.

Learn more: National General RV insurance review

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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.

If you're a part-time RV user, Good Sam partners with insurers that allows you to reduce monthly premiums by suspending collision and liability coverage if your RV or trailer remains unused and in storage for over 30 days. Furthermore, Good Sam also helps craft personalized policies for full-time RVers who need extra coverage. Those additions could include reimbursement for food and lodging if your RV is in the shop or medical expenses coverage if someone is injured inside your RV or the surrounding area.

Learn more: Good Sam RV insurance review

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Why we chose it: With Roamly, you can rent out your RV and the company won't cancel your coverage. You'll still need to get (and pay for) a separate rental insurance policy for the duration of the rental but Roamly will resume coverage once the rental period is over.

With Roamly, you can keep your original insurance policy and get a 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). This arrangement stands out because most insurers typically decline to insure you and may even drop your coverage if you rent the vehicle to someone else.

Rented RVs typically require comprehensive commercial insurance due to their higher risk exposure when compared to personal vehicles. Outdoorsy's protection packages for hosts include up to $1 million in liability coverage and up to $300,000 in comprehensive and collision coverage. Renters who book their RV through Outdoorsy can opt for a separate package that includes travel medical insurance as well as trip and interior damage coverage.

Learn more: Roamly RV insurance review

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.

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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.

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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.

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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.

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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.

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What You Need to Know About RV Insurance

Insuring an RV is tricky — recreational vehicles fall somewhere between a car and a home. Your car insurance may include a towable trailer in its liability coverage, and your homeowners’ insurance may cover your motorhome while it's parked in the driveway, but neither of those policies offers sufficient coverage. The manufacturer’s warranty also falls short — these policies cover mechanical failure, not damage from accidents or extreme weather events.

That’s where specialized RV insurance comes in. This type of coverage combines the benefits of auto and homeowner's insurance policies to cover most of the 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 coverage and cost of an RV insurance policy, as well as tips on how to select the best coverage.

What does RV insurance cover?

Common 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 passenger 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.

Common coverage options for full-time RVers

Full-time RVers may want some or all of the coverages mentioned above as well as any of the following:

• Personal property coverage: Covers the cost of replacing any damaged or stolen personal effects 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, it costs an average of $600 a year to insure a travel trailer with a policy that 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.

According to other online estimates, a class A motorhome with state-of-the-art components is by far the most expensive type of RV to insure. Averages range from $1,000 to $4,000 for a 12-month policy.

What determines your RV insurance premium?

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

• The type of RV: Motorhomes cost more to insure than 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: A lengthy claims history is a red flag to insurers. Drivers who have never filed a claim are likely to secure a better rate.
• Credit score: As with other types of auto insurance, your credit score (with lower scores associated with higher claims risks) may be used to assess your claims risk, except in states where that use is prohibited by law.
• Additional coverage: Add-ons such as total loss replacement, full-timers coverage and vacation liability will increase your premium.

Common RV insurance discounts

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

• Bundling multiple policies
• Installing safety features in your RV
• Signing up for paperless billing
• Paying the total annual policy upfront
• Making monthly payments on time
• Staying claim-free during the previous policy period

Rarer discount options for RVers include:

• Being the vehicle's original owner
• Staying accident-free for at least three years
• Taking safety courses
• Being a member of an RV association
• Storing your vehicle away seasonally

Drivers aged 50 and up may also snag a lower rate, at least until they reach their 70s, as can parents or guardians who don’t insure drivers under 25 on their policy.

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. (RV rental platforms like RVShare and Outdoorsy require rental insurance for any vehicle listing.)

Your auto insurance policy may cover towable campers or fifth-wheel trailers but not motorhomes. And while auto policies cover liability while using the RV, they generally exclude property damage to the trailer and any belongings or appliances stored inside.

Homeowners insurance may also offer some coverage, but only when the RV is parked on the insured property.

If you're renting an RV, an RV rental insurance policy specifically designed for that purpose is essential. It typically covers liability, collision damage, personal accidents, and personal effects. You can get it through the rental company or your insurer. Your existing car or RV insurance 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

RV insurance costs depend on factors such as your driving history, where you live, the type of vehicle you own and how you use it. 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, such as how you plan to use the RV. You might save a few bucks on your premium by not disclosing that you plan to live in the RV, for instance, but the omission could backfire on you. If you were to file a claim and the insurer discovered that you misrepresented information, they could reject the claim and even cancel your coverage.

3. Look for discounts and policy bundles

You can save money by bundling your RV policy with auto, home, renters, boat or even life insurance policies from the same provider. These discounts typically save you 5% to 10% off the total cost to buy each policy separately. 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, including your RV.

Does RV insurance cover RV rental?

Renting out your RV is considered commercial use, so your insurance won’t cover the renter — they’ll need to obtain their own insurance.

That said, platforms like RVshare, Go RV Rentals, and RV Plus offer their own insurance while the RV is rented. If you use these platforms, review each company’s fees, support, renter screening and protection policies.

In some states, like Arkansas and Wisconsin, drivers need special licenses in order to drive RVs legally. Ensure that anyone borrowing your RV has the required license for your policy to apply.

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

To rent out an RV, most states require that you have at least liability coverage, which covers damages or injuries you cause to others in an at-fault accident.

All states except New Hampshire and the District of Columbia require liability coverage for vehicles, including self-propelled RVs. For towable RVs, you need only enough coverage to protect your belongings, not additional liability insurance. (An exception is when the trailer is financed, in which case the lender will likely require comprehensive and collision coverage as part of the loan agreement.)

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 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.

Summary of Money’s Best RV Insurance of April 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