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Recreational vehicles (RVs) are enormously popular. According to the RV Industry Association, 11 million U.S. households own an RV, spending on average three to four weeks per year in their vehicle. However, an RV can be a significant investment. A new folding camp trailer can cost as much as $22,000, while a new Type A motor home can cost up to a staggering $500,000.
If you spend that much money on a camper, trailer, or motor home, RV insurance can provide you with essential protection against damage and theft. In most states, RV insurance is required by law, but you may want to purchase more than the state-mandated minimums to make sure you have adequate coverage for all of your valuables.
To help you select an insurer, we looked at 15 top RV insurance companies. We picked the seven best RV insurance companies based on their coverage options, available discounts, and industry reputations.
Best RV Insurance Companies of 2023
- Best Overall: Nationwide
- Best Insurance Bundles: Allstate
- Best Available Discounts: National General
- Best If Traveling to Mexico: Good Sam Insurance Agency
- Best for Full-Timers: Progressive
- Best for Weekend Warriors: Safeco
- Best Customer Service: The Hartford
Best Overall : Nationwide
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- Key Benefit: Customizable coverage options
- Full-timer Coverage: Yes
- Types of Vehicles Covered: RVs, motor homes, campers, trailers
Nationwide is a well-known insurer that offers a wide range of insurance products. Its RV insurance coverage options include liability, collision, and comprehensive coverage, and it covers motor homes, travel trailers, and campers. With multiple policy options and a lengthy list of discounts, Nationwide is our pick for the best overall RV insurance company because it allows you to customize a policy at an affordable rate.
Customizable coverage options
Coverage for different RV classes
Several policy discounts available
No online quotes
Loss assessment fees not covered
No pet injury coverage
Nationwide sold its first insurance policy in 1926. Since then it’s become one of the largest insurance companies in the U.S. and a Fortune 100 company, ranking 76 on the current Fortune 500. It has an A+ financial strength rating from AM Best, the credit rating agency that specializes in the insurance industry.
Nationwide’s basic RV insurance covers:
- Bodily injury liability
- Property damage liability
- Collision
- Comprehensive
- Uninsured motorist
- Underinsured motorist
- Medical payments
When you purchase a policy, you can add the following optional coverages:
- Roadside assistance
- Towing and labor
- Vacation liability
- Safety glass replacement
- Replacement cost and scheduled personal effects
Unfortunately, Nationwide does not have a loss assessment coverage option, which some insurers offer to cover fees or charges from RV associations in case of damage. It also doesn’t offer pet injury coverage if your dog or cat is injured in an accident. As many RV owners travel with their pets, that’s a significant drawback.
Nationwide does have a long list of discounts to reduce your premium costs, including multiple policy discounts, good driver discounts, and more. You cannot get an online quote. You must contact a Nationwide agent to get pricing information and to purchase a policy.
Best Insurance Bundles : Allstate
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Allstate
- Key Benefit: Discounts for bundling policies
- Full-timer Coverage: Yes
- Types of Vehicles Covered: Towable RVs (campers, trailers, etc.) and motorized RVs (such as motor homes)
With Allstate you can qualify for multiple policy discounts when you bundle your insurance policies together. Allstate offers auto, homeowners, renters, motorcycle, and life insurance, so you can package your RV insurance with other coverage to save money.
Discounts for those who are 55 and retired
Rental reimbursement coverage available
Coverage specifically for your RV sound system
No safe driver discounts
Must get quotes through an agent
Allstate has been in operation since 1931 and now serves more than 16 million households. The company’s RV insurance has the following coverage:
- Bodily injury liability
- Property damage liability
- Collision
- Comprehensive
- Contents
- Medical payments
- Personal injury protection
- Uninsured motorist
- Underinsured motorist
- Towing and labor
- Sound system
- Rental reimbursement
Allstate’s RV insurance will cover your RV’s manufacturer-installed sound system. If it’s damaged in an accident or stolen, your insurance will cover up to $2,500 to repair or replace it, minus your deductible.
The policy also includes rental reimbursement coverage. If your motor home is damaged related to your comprehensive or collision coverage, your rental reimbursement coverage will pay for you to rent a motor home or an automobile in its place.
While Allstate does have discounts for bundling policies, transferring RV insurance from other companies, and being a policyholder who's 55 and older, it does not have a safe driver discount. In addition, you must get a quote through an agent.
Allstate's financial strength has an A+ rating from AM Best.
Best Available Discounts : National General
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National General
- Key Benefit: Long list of discounts
- Full-timer Coverage: Yes
- Types of Vehicles Covered: Class A, B, and C RVs, fifth wheels, travel trailers, Airstreams, campers
Of all of the companies we considered, National General has the most robust list of available discounts. According to the company, people who switch to National General save $389 per year on average.
Multiple discounts available
Online quote available
Customizable coverage options
Coverage not available in Hawaii and Massachusetts
Higher than average number of customer complaints
Not all RV classes are covered
National General’s discounts include:
- Multiple vehicle discount
- Storage discount (for when your RV isn’t in use)
- Paid-in-full discount
- Low-mileage discount
- Paperless discount
- Multiple policy discount
- Safe-driver discount
You can get a quote online or by calling an agent. National General has customizable coverage options, so you can design a policy to meet your unique needs.
Coverage isn’t available in all states; residents in Hawaii and Massachusetts are not eligible. The company also doesn’t cover all RV classes, so your vehicle may not qualify for coverage.
National General has an A+ financial strength rating from AM Best. However, the company has received a significant number of customer complaints. The National Association of Insurance Commissioners maintains a database of complaints received about all insurance companies and compares the number of complaints received about each company to the company’s market share. Over the years, National General has had a far higher than average number of complaints relative to its size.
Best If Traveling to Mexico : Good Sam Insurance Agency
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Good Sam Insurance
- Key Benefit: Specialty Mexico travel policies
- Full-timer Coverage: Yes
- Types of Vehicles Covered: Class A, B, and C motor homes, fifth wheels, Airstreams, truck campers, travel trailers
If you intend to drive your RV into Mexico during your vacation, it’s important to know that you’ll need additional insurance coverage, as most RV insurance policies only cover you within 25 miles of the border and for no more than 10 days. With Good Sam Insurance Agency, you can get the necessary coverage for your trip. Whether you’ll be in Mexico for a weekend or several months, you can get a customized policy to suit your budget.
Online quotes available
Get a specific Mexico policy or add other coverage
Coverage for all classes of RVs
Not a direct insurer
Customer complaints about roadside assistance
Insurer-dependent coverage and service
Good Sam is not a direct insurer. Instead, it is an insurance agency that connects you with insurance companies offering RV policies. It has partnerships with some of the other companies on this list, such as Progressive, National General, and Safeco. It also partners with MexicoInsuranceOnline.com to offer specialty Mexico travel policies.
You can get an online quote and purchase a policy just for your trip to Mexico, or you can add a general RV policy. Good Sam Insurance Agency has coverage for all classes of RVs. Because Good Sam works with other insurance companies, the quality of customer service and coverage options can vary from company to company.
Roadside assistance has to be purchased as a separate policy. However, many customers have complained about Good Sam’s roadside assistance coverage. Customers cited long wait times, not being able to get service on Sundays, and high fees for services provided.
Best for Full-Timers : Progressive
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- Key Benefit: Broad protection for full-timers
- Full-timer Coverage: Yes
- Types of Vehicles Covered: Class A, B, and C motor homes, campers, fifth wheels, horse trailers
We chose Progressive for full-time RV travelers because it has a specific full-timer’s liability policy for people who use their RV as their permanent residence. With full-timer’s liability coverage, you have broader protection, including personal liability, medical payments, and loss assessment coverages.
Offers a specialty full-timer’s liability policy
Multiple discounts available
Customizable coverage
Discounts not available in all states
Varying prices based on how you buy your policy
Basic liability coverage excludes travel trailers
Progressive was founded in 1937. Since then it has become one of the largest insurance companies, with more than 20.4 million policies in force.
Progressive has customizable RV insurance options, with coverage often starting at very low annual rates depending on your situation. Under its standard coverages, it offers:
- Comprehensive
- Collision
- Liability
- Uninsured motorist
- Underinsured motorist
- Medical payments
It has several additional coverages you can add to your policy, including full-timer’s liability. With it, you’re covered up to a specific limit if you’re responsible for injuries in and around your RV. If you use your RV as a permanent residence, this is an option you should consider adding to your insurance policy for added protection.
While Progressive does offer several discounts, not all of them are available in all states. Your policy’s pricing is also dependent on how you purchase it. Your quote may be different if you purchase over the phone, online, or through an independent agent.
Progressive has an A+ financial strength rating from AM Best.
Best for Weekend Warriors : Safeco
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Safeco
- Key Benefit: Coverage and discount options for part-timers
- Full-timer Coverage: No
- Types of Vehicles Covered: Class A, B, and C motor homes up to $1 million in value; fifth wheels, campers, trailers, and horse trailers valued at up to $300,000
We selected Safeco as the best insurer for weekend warriors and part-time travelers because it specializes in RV insurance for people who use their RVs for fewer than 250 days per year. It has customizable options and covers Class A, B, and C motor homes, travel trailers, fifth wheels, pop-up campers, and camper vans.
Coverage for RVs used less than 250 days per year
Wide range of optional coverages available
Multiple discounts
Not all coverage options available in all states
No online quotes
No full-timer coverage
Safeco is a subsidiary of Liberty Mutual, a Fortune 100 company with an A rating from AM Best. It offers RV insurance to people who use their vehicles for fewer than 250 days per year. While all of its coverage options aren’t available in all states, it does offer the following:
- Bodily injury liability
- Property damage liability
- Personal injury protection
- Underinsured motorist
- Uninsured motorist
- Comprehensive
- Collision
It also has a wide range of optional coverages you can add to your policy, such as protection for your pet, electronic lock or key replacement, and loan or lease protection.
You can qualify for multiple discounts. If you take an accident prevention course, install an anti-theft device in your RV, or store your RV during the winter, you can get a premium reduction. Coverage for RV full-timers is not available, and you must contact a Safeco insurance agent to get a quote for a policy.
Best Customer Service : The Hartford
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The Hartford
- Key Benefit: Excellent customer service
- Full-timer Coverage: No
- Types of Vehicles Covered: RVs, motor homes, campers, trailers
The Hartford partners with AARP to provide RV insurance through its AARP Auto Insurance and Homeowners Insurance Program. With strong rankings in J.D. Power’s Home Insurance and Auto Claims Satisfaction Studies, the Hartford is our choice as the best RV insurer for customer service.
High rankings from J.D. Power
Online quotes available
Discounts for bundling policies
Only available to AARP members in most areas
No specific coverage for full-timers
No storage discount
The Hartford was founded in 1810 and is the only nationally endorsed auto and home insurance program for AARP’s 38 million members. The Hartford partnered with AARP to offer RV insurance for motor homes, travel trailers, and campers. It has the following coverage options:
- Medical payments
- Collision damage
- Bodily injury
- Property damage
The Hartford’s RV coverage is only available to AARP members in most states, and it doesn’t have specific coverage options for full-time RV travelers.
When it comes to customer service, Hartford has an excellent reputation. Its RV insurance falls within its auto and homeowners insurance program. In J.D. Power’s 2022 Auto Insurance Study, The Hartford received the highest ranking spot for consumer satisfaction ratings in both Florida and the Northwest. In the J.D. Power 2022 Home Insurance Study, the company ranked third for customer satisfaction rating among the insurers in the study. The Hartford has an A+ rating from AM Best.
Final Verdict
As a well-known, financially stable insurer, Nationwide is our top pick for overall best RV insurance that will give you that peace of mind. The company covers a wide range of different types of RVs, and it offers multiple policy options and a lengthy list of discounts. You'll have the chance to customize your coverage before you hit the road, and then enjoy your vacation worry-free.
Compare the Best RV Insurance Companies
| Insurance Company | Key Benefit | Full-timer Coverage | Types of Vehicles Covered |
| Nationwide Best Overall | Customizable coverage options | Yes | RVs, motor homes, campers, trailers |
| Allstate Best Insurance Bundles | Discounts for bundling policies | Yes | Towable RVs (campers, trailers, etc.) and motorized RVs (such as motor homes) |
| National General Best Available Discounts | Long list of discounts | Yes | Class A, B, and C RVs, fifth wheels, travel trailers, Airstreams, campers |
| Good Sam Best if Traveling to Mexico | Specialty Mexico travel policies | Yes | Class A, B, and C motor homes, fifth wheels, Airstreams, truck campers, travel trailers |
| Progressive Best for Full-timers | Broad protection for full-timers | Yes | Class A, B, and C motor homes, campers, fifth wheels, horse trailers |
| Safeco Best for Weekend Warriors | Coverage and discount options for part-timers | No | Class A, B, and C motor homes up to $1 million in value; fifth wheels, campers, trailers, and horse trailers valued at up to $300,000 |
| The Hartford Best Customer Service | Excellent customer service | No | RVs, motor homes, campers, trailers |
Guide to Choosing RV Insurance
Because an RV is a vehicle and may be a temporary or even permanent home, it blends aspects of auto insurance and homeowners insurance policies. Instead of using your current auto or homeowners insurance coverage, you typically need specialized RV insurance that includes the following:
- Collision: If you’re in an accident with another vehicle, collision coverage pays for damage to your RV.
- Bodily injury: If you cause an accident and someone is injured as a result, bodily injury coverage helps pay their medical bills.
- Property damage: This coverage pays for the other person’s vehicle or property if you cause an accident.
- Comprehensive: For damage not caused by an accident, comprehensive coverage pays for repairs to your vehicle after fires, storms, or theft.
In some cases, particularly if you plan on spending a significant amount of time in your RV or making it your full-time residence, you may need additional coverage. Many insurers allow you to customize your policy and add some or all of the following options:
- Towing and roadside assistance: If you need fuel, a tire change, or a tow during your trip, roadside assistance helps you get back on the road.
- Replacement cost: If items are stolen from your RV, this coverage option pays to replace the items that were taken, limiting the need to file a homeowners insurance claim.
- Vacation liability: If you’re using the RV as a temporary residence, vacation liability provides protection if an accident occurs.
To protect your investment, getting adequate RV insurance is important. Make sure you research the minimum coverage requirements in your state and get multiple quotes from different insurance companies to ensure that you get the best rates on your RV insurance policy.
Frequently Asked Questions
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What Insurance Should I Have on My RV?
The minimum required coverage on your RV will vary depending on your home state. Most states require bodily injury and property damage liability coverage for motorized RVs, which will pay for any injuries or damages you cause in an accident.
Towable RVs that aren't driven independently, such as travel trailers and fifth wheels, do not require liability coverage. However, regardless of the type of RV you have, it's a good idea to purchase additional coverage above the minimum legal requirements. For instance, comprehensive coverage will protect you if your RV is stolen or damaged by severe weather.
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How Do You Save Money on RV Insurance?
Before settling on an RV insurance provider, shop around for the best quote and compare your options. You can save money on RV insurance by taking advantage of various discounts offered by the insurance company, such as bundling insurance policies, having a safe driving record, and paying your policy in full. Much like auto insurance, you can also lower your premium by raising your deductible.
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How Much Is the RV Insurance Deductible?
The deductible is the amount you'll pay out of pocket before your insurance policy kicks in. When you file a claim on your damaged RV, the insurance company will assess the cost of repairs and subtract the value of your deductible from the damage costs it will cover.
When selecting comprehensive and collision coverage for your RV, you'll have the option to choose your deductible amount. This can typically range from about $100 to $2,500. However, some insurance companies offer vanishing deductible perks where the deductible amount will decrease the longer you go without filing a claim, effectively rewarding you for safer driving.
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Does RV Insurance Cover Damage?
What your RV insurance will cover will depend on the type of policy you select. Collision coverage will cover damage caused by an accident with another vehicle. Comprehensive coverage will typically cover other types of damage to your RV, such as that caused by fire, vandalism, theft, falling objects, and severe weather.
Methodology
To choose the best RV insurance providers, we researched 15 well-known companies offering RV insurance policies. We evaluated each insurer based on the coverage options it offered, what states it was licensed in, available discounts, its AM Best Rating, and its J.D. Power customer satisfaction study rankings.
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