Should I Insure My RV?

States don’t require RVs to be insured if they’re being towed behind a car or truck; units with their own engine, however, require insurance just like a car. Even if it isn’t required by law, RV insurance coverage can provide liability protection in case someone else is injured while visiting your RV. And, like any other large investment—such as a car or home—it’s important to protect your RV with insurance in case it sustains any damage in a collision or otherwise.

How Much Does RV Insurance Cost?

The cost of RV insurance varies widely depending on a number of factors, but can cost as little as roughly $125 per year. If you’re considering insurance for your RV, a provider will likely consider factors like the type of RV as well as its age and condition. How you plan to use your RV will also impact the cost of insurance—full-time RVers will have to pay more than weekend warriors. Finally, your premium will depend largely on the types and limits of coverage you need.

What Kind of RV Insurance Do I Need?

The type of RV insurance you need depends on how you intend to use your vehicle. For example, if you plan to treat your RV as a permanent residence, you’ll likely want a full-timer policy that includes standard coverage as well as increased limits for personal liability and personal contents coverage. Alternatively, if you plan to only take your RV out for a few weekends each year, you may feel comfortable with a basic policy that includes liability, collision, and uninsured/underinsured motorist coverage.

The 5 Best RV Insurance Companies of 2023

Our Top Picks

Best Overall: Nationwide
Best Online Resources: National General
Best for Full-Time RVers: Good Sam
Best Add-On Coverage: Progressive
Best Policy Bundling: Allstate

Whether you’re a full-time RVer or a weekend warrior, getting out on the open road can be a relaxing and exhilarating experience. But without RV insurance, even a minor accident or breakdown can become stressful and expensive.

Protect your investment—and your finances—by choosing RV insurance coverage that’s tailored to your needs. To make it easier, we reviewed top insurers based on factors like coverage options, transparency, and financial strength and identified the best RV insurance options.

Best Overall: Nationwide

Pros

Offers a wide range of policy discounts
Customizable coverage options
Rated A+ (Superior) by credit agency AM Best

Cons

No online quote tool
Does not offer coverage for RV-related pet injuries

Nationwide is an insurance underwriter that provides policies for RVs, motorhomes, travel trailers, and campers. Available coverage includes bodily injury and property damage liability, collision insurance, medical payments, and uninsured/underinsured motorist coverage. You can also purchase comprehensive insurance—other than collision—which covers things like theft, vandalism, fire, and natural disasters. There are also a number of optional coverages—like safety glass replacement and vacation liability.

What really stands out about Nationwide, however, is the selection of discounts available to policyholders. As with many insurance companies, you can take advantage of a multi-policy discount for bundling home, boat, vehicle, or life policies, as well as a multi-vehicle discount for bundling two or more boats, ATVs, or other vehicles. However, Nationwide helps you save even more by also offering discounts if you take an approved state RV safety course, are a member of an RV club, pay your premium in full, or are a member of a qualifying organization.

You’ll also reduce your premium by driving safely and staying accident-free for three years or by maintaining continuous coverage. Plus, Nationwide’s On Your Side review process can ensure you’re taking advantage of the discounts you’re qualified for.

Why It's a Fit for Treehugger

We selected Nationwide as the best RV insurance overall because of the wide availability of coverage options, discounts, and the underwriter’s On Your Side review process.

Best Online Resources: National General

Pros

Offers an easy-to-use online quote tool
Extensive coverage options
Wide range of discounts

Cons

Coverage is not available in Hawaii and Massachusetts
Higher than average number of complaints

National General Insurance offers personalized RV coverage, including specialized equipment, full replacement cost, and personal belongings coverage—as well as insurance for travel to Mexico. Plus, National General offers numerous ways to save like multi-vehicle, paperless billing, safe driver, and storage discounts. Full-time RVers can also take advantage of National General’s complete general liability coverage, which is similar to a homeowners liability policy.

National General simplifies RV insurance by providing a user-friendly online quoting tool; Alternatively, you can contact an agent to build a custom policy. What’s more, National General offers current and prospective customers a wide range of helpful online resources, including safety tips, a breakdown of different types of RVs, and an RV ebook that walks you through everything from maintenance to common pitfalls of RV ownership. Current policyholders can also manage their policies online.

With a top rating from credit agency AM Best, you can also count on National General to have the financial strength to settle your claims. Even so, National General has a stellar rating with the Better Business Bureau (BBB).

Why It's a Fit for Treehugger

National General Insurance is our choice for the best online resources category. The insurer has a wide range of customizable coverage options and discounts combined with its helpful online resources.

Best for Full-Time RVers: Good Sam

Pros

Offers RV insurance for full-timers
Provides additional coverage for travel to Mexico
Ample online resources

Cons

Doesn’t directly insure RV owners
Coverage availability depends on the specific insurer
Some negative roadside assistance reviews

Good Sam Insurance Agency is a network of insurance companies, including National General, Progressive, Safeco Insurance, and Foremost Insurance Group.

Instead of directly underwriting policies, Good Sam connects RV owners with the insurer that fits their budget and coverage needs. Because of this, Good Sam can help you find the best available price for RV coverage if you live in yours full time. Plus, Good Sam works with MexicoInsuranceOnline.com to connect policyholders with additional coverage for trips to Mexico, making coverage even more flexible.

Coverage options, deductibles, and premiums vary because of Good Sam’s relationship with various insurers. That said, full-time RVers will have access to important coverage like personal liability insurance and medical payments to third parties who are hurt while visiting your RV. And, because full-time RVers are more likely to travel with their possessions and rely on their vehicle for housing, Good Sam can help you find personal belongings coverage and an emergency expense allowance to cover the cost of food and lodging in case your RV is damaged.

With possible annual savings up to roughly $521, Good Sam offers discounts for policyholders with multiple vehicles, as well as a paid-in-full discount, a multi-policy discount up to about 10%, and storage savings for when you’re not using your RV. You can even access additional savings by installing safety and anti-theft devices and being a safe driver, among other options.

Why It's a Fit for Treehugger

Good Sam is our top pick for full-time RVers because it offers specialized coverage like an emergency expense allowance that can make living on the road less stressful.

Best Add-On Coverage: Progressive

Pros

Flexible bundling options
Covers a wide range of RVs, motorhomes, and campers
Flexible and customizable coverage options

Cons

Basic coverage not available in all states
Cheapest policy option may not include everything you need

Progressive is a well-known and well-reviewed insurance company that offers extensive RV insurance options ranging from liability to comprehensive and collision coverage.

However, the company really stands out because of how many add-ons are available for customizing policies—everything from vacation liability to pet injury coverage. Progressive also lets policyholders bundle any two or more types of insurance to save on their premium.

RV owners can start with a basic policy for roughly $125 per year or customize with tailored coverage for bodily injury liability, property damage liability, and collision—plus comprehensive coverage. Based on your needs, you can also choose from a wide selection of extra coverage, including roadside assistance, total loss replacement, vacation liability, full timer’s liability, as well as loss assessment, emergency expense, and pet injury coverage.

Why It's a Fit for Treehugger

We chose Progressive as our top insurer for add-ons because RV owners can tailor their policies with a wide selection of additional coverage.

Best Policy Bundling: Allstate

Pros

Offers a large selection of insurance policies that can be bundled
Additional discounts available for switching to Allstate and for those aged 55 and older
Policyholders can customize coverage

Cons

No online quote tool
Fewer discounts available than with other insurers

With a stellar rating for financial strength by AM Best, Allstate is a longstanding insurance company that provides policies for motorhomes and RVs. What really stands out about Allstate, though, is the wide availability of policy bundling options, such as for home and motorhome coverage. Plus, Allstate customers can choose from policies ranging from auto and renters insurance to life and identity insurance, so you’re more likely to meet all your insurance needs in one place.

In addition to bundling multiple policies with Allstate, RV owners can build a custom policy that covers bodily injury and property damage liability, personal injury protection, and damage to your RV in a collision. Allstate also shines because of additional coverage options like for towing and labor costs, sound systems, and rental reimbursement.

Finally, comprehensive coverage is available for losses caused by theft, vandalism, fire, and other non-collision-related incidents.

Why It's a Fit for Treehugger

Allstate is our top choice for bundling because it offers flexible RV insurance coverage and the ability to pair it with numerous other Allstate policies.

Frequently Asked Questions

Should I Insure My RV?

States don’t require RVs to be insured if they’re being towed behind a car or truck; units with their own engine, however, require insurance just like a car. Even if it isn’t required by law, RV insurance coverage can provide liability protection in case someone else is injured while visiting your RV. And, like any other large investment—such as a car or home—it’s important to protect your RV with insurance in case it sustains any damage in a collision or otherwise.

Frequently Asked Questions

How Much Does RV Insurance Cost?

The cost of RV insurance varies widely depending on a number of factors, but can cost as little as roughly $125 per year. If you’re considering insurance for your RV, a provider will likely consider factors like the type of RV as well as its age and condition. How you plan to use your RV will also impact the cost of insurance—full-time RVers will have to pay more than weekend warriors. Finally, your premium will depend largely on the types and limits of coverage you need.

Frequently Asked Questions

What Kind of RV Insurance Do I Need?

The type of RV insurance you need depends on how you intend to use your vehicle. For example, if you plan to treat your RV as a permanent residence, you’ll likely want a full-timer policy that includes standard coverage as well as increased limits for personal liability and personal contents coverage.
Alternatively, if you plan to only take your RV out for a few weekends each year, you may feel comfortable with a basic policy that includes liability, collision, and uninsured/underinsured motorist coverage.

Methodology

To choose the best RV insurance, we reviewed 15 of the top providers and compared them based on coverage availability, discounts, and online resources. We also considered each provider’s financial strength (AM Best rating), customer reviews, and the availability of an online quote tool and other online resources.

Bottom Line

The best RV insurance providers offer customers access to basic coverage options—like liability and collision—as well as add-ons for customizing policies. Features like full-timer coverage and pet coverage are less common, but available from some top providers. Our choice for the overall best RV insurance—Nationwide—offers extensive coverage options and discounts for both full-time and weekend RVers.