Best RV Insurance Companies Of 2024 (2024)

Best RV Insurance Companies Of 2024 (2)

Penny GusnerInsurance Writer and Analyst

Penny Gusner is a senior insurance writer and analyst at Forbes Advisor. For more than 20 years, she has been helping consumers learn how insurance laws, data, trends, and coverages affect them. Penny enjoys translating the complexities of insurance into easy-to-understand advice and tips to help consumers make the best choices for their needs. Her work has been featured in numerous major media outlets, including The Washington Post and Kiplinger’s.

  • Best RV Insurance Companies Of 2024 (4)

Penny Gusner

Best RV Insurance Companies Of 2024 (5)

Penny GusnerInsurance Writer and Analyst

Penny Gusner is a senior insurance writer and analyst at Forbes Advisor. For more than 20 years, she has been helping consumers learn how insurance laws, data, trends, and coverages affect them. Penny enjoys translating the complexities of insurance into easy-to-understand advice and tips to help consumers make the best choices for their needs. Her work has been featured in numerous major media outlets, including The Washington Post and Kiplinger’s.

  • Best RV Insurance Companies Of 2024 (7)

Insurance Writer and Analyst

Best RV Insurance Companies Of 2024 (9)

Michelle MegnaLead Editor, Insurance

Michelle is a lead editor at Forbes Advisor. She has been a journalist for over 35 years, writing about insurance for consumers for the last decade. Prior to covering insurance, Michelle was a lifestyle reporter at the New York Daily News, a magazine editor covering consumer technology, a foreign correspondent for Time and various newswires and local newspaper reporter.

  • Best RV Insurance Companies Of 2024 (11)

Reviewed

Michelle Megna

Best RV Insurance Companies Of 2024 (12)

Michelle MegnaLead Editor, Insurance

Michelle is a lead editor at Forbes Advisor. She has been a journalist for over 35 years, writing about insurance for consumers for the last decade. Prior to covering insurance, Michelle was a lifestyle reporter at the New York Daily News, a magazine editor covering consumer technology, a foreign correspondent for Time and various newswires and local newspaper reporter.

  • Best RV Insurance Companies Of 2024 (14)

Lead Editor, Insurance

Reviewed

Published: Jun 28, 2024, 8:59am

Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors' opinions or evaluations.

Progressive is the best RV insurance company, followed by American Family and Foremost, based on our analysis. We evaluated RV insurers nationwide and scored them on complaints, coverage options, claims processes and discounts.

An RV allows you to enjoy the open road with some comforts of home tagging along for the ride. Use our findings to help identify the best RV insurance for your specific needs.

Read more

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  • Summary: Best RV Insurance Companies
  • Best RV Insurance
  • Things To Consider When Buying RV Insurance
  • How Much Is RV Insurance?
  • Other RV Insurance Considerations
  • Methodology
  • Other RV Insurance Companies We Rated
  • Best RV Insurance Frequently Asked Questions
  • Next Up In Car Insurance

Summary: Best RV Insurance Companies

Editors’ takeCompanyCompany - LogoForbes Advisor RatingForbes Advisor ratingComplaint level
Best overallProgressiveBest RV Insurance Companies Of 2024 (15)5.0Best RV Insurance Companies Of 2024 (16)Low
Best for low level of complaintsAmerican FamilyBest RV Insurance Companies Of 2024 (17)4.5Best RV Insurance Companies Of 2024 (18)Very low
Best for adjacent structures coverageForemostBest RV Insurance Companies Of 2024 (19)4.7Best RV Insurance Companies Of 2024 (20)Low
Best for discountsNationwideBest RV Insurance Companies Of 2024 (21)4.2Best RV Insurance Companies Of 2024 (22)Low
Best for collision repairsAuto-OwnersBest RV Insurance Companies Of 2024 (23)4.0Best RV Insurance Companies Of 2024 (24)Low

How We Chose the Best RV Insurance Companies

Best RV Insurance

See our picks for the best RV insurance companies and see which may suit your situation.

Best Overall

Progressive

Best RV Insurance Companies Of 2024 (25)

5.0

Best RV Insurance Companies Of 2024 (26)

Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team.

Collision repair grade

C

Complaint level

Low

Availability

49 states, not available in Hawaii or Washington, D.C.

Best RV Insurance Companies Of 2024 (27)

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C

Low

49 states, not available in Hawaii or Washington, D.C.

Editor's Take

Progressive earned our best overall ranking because it impressed us with its wide variety of discounts for RV drivers and offers lots of coverage features that financially protect your RV and belongings. Progressive also has a low level of complaints about car insurance.

Pros

  • Discount for being the original owner of your RV.
  • Offers pest damage protection and roof damage protection coverage.
  • USAA members get a special discount on RV insurance.
  • RV insurance quotes are available online.

More: Progressive Car Insurance Review

Cons

  • Professional appraisal required to schedule personal items to have a specified declared value.
  • Total loss replacement coverage for RVs is not available in all states.

Types of RVs covered

Progressive covers these types of RVs:

  • Class A motor homes.
  • Class B motor homes.
  • Class C motor homes.
  • Cargo & horse trailers.
  • Conventional trailers.
  • Fifth-wheel trailers.
  • Pop-up campers.
  • Truck campers.
  • Utility trailers.

RV insurance coverage options

Options and details of coverage may vary by state, but here are the common RV insurance coverage offered by Progressive:

  • Agreed value coverage.
  • Disappearing deductible.
  • Emergency expense coverage.
  • Full-timers liability.
  • Full-timers package.
  • Full-timers secured storage of personal effects.
  • Loss assessment.
  • Personal effects replacement cost.
  • Pest Protection.
  • Pet injury coverage.
  • Roadside assistance.
  • RV Roof Protection Plus.
  • Scheduled personal effects.
  • Total loss replacement.
  • Trailer coverage.
  • Vacation liability.
  • Windshield zero deductible.

Discounts

Progressive offers many types of discounts and other ways for RV drivers to save. Not all discounts are available in all states and certain restrictions may apply.

  • Advanced quote.
  • Association discount.
  • Automatic card payment (ACP) discount.
  • Claim-free renewal discount.
  • Continuous insurance discount.
  • Electronic Funds Transfer (EFT) discount.
  • Homeowners discount.
  • Large accident forgiveness.
  • Multi-policy discount.
  • Original owner discount.
  • Paperless discount.
  • Pay in full.
  • Prompt payment discount.
  • Responsible driver (safe driver) discount.
  • Senior safety course discount.
  • Small accident forgiveness.

Best For Low Level of Complaints

American Family

Best RV Insurance Companies Of 2024 (29)

4.5

Best RV Insurance Companies Of 2024 (30)

Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team.

Collision repair grade

C+

Complaint level

Very Low

Availability

19 states, mainly in the Midwest and Pacific Northwest

Best RV Insurance Companies Of 2024 (31)

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C+

Very Low

19 states, mainly in the Midwest and Pacific Northwest

Editor's Take

American Family stood out in our evaluation for having a very low level of complaints made to state insurance departments about its auto insurance—by far the lowest among the companies we evaluated. This indicates that American Family has good customer service that keeps issues from escalating.

Pros

  • Pet injury coverage of $1,000 if your cat or dog is hurt by an issue covered by your policy, such as an accident in your motor home.
  • Offers motor home or camper coverage for a rented RV for up to 30 days.
  • $1,000 of custom equipment coverage is included, and higher limits are available.
  • RV insurance quotes are available online.

More: American Family Car Insurance Review

Cons

  • Vacation expense allowance is low at $200.
  • Not as many RV coverage offerings available compared to competitors.
  • Does not offer full-timer packages for those who use their RV as a residence.

Types of RVs covered

American Family covers these types of RVs :

  • Class A motor homes.
  • Class B motor homes.
  • Class C motor homes.
  • Fifth-wheel trailers.
  • Folding camping trailers.
  • Conventional trailers.
  • Recreation/cargo quarters.
  • Mounted truck campers.

RV insurance coverage options

American Family has a decent amount of additional coverage features to choose from for your RV, including:

  • Accident death and dismemberment coverage.
  • Diminishing deductible.
  • Emergency roadside service.
  • Limited pet coverage.
  • Personal property coverage.
  • Rental motor home and camper coverage.
  • Rental reimbursem*nt coverage.
  • RV customization coverage.
  • Vacation expense allowance.

Discounts

American Family offers some discounts to help you save on the cost of your RV insurance policy. Not all discounts are available in all states and some restrictions may apply.

  • Auto pay discount.
  • Defensive driver discount.
  • Full pay discount.
  • Multi-policy discount.
  • Paperless discount.
  • Safety features discount.

Best For Adjacent Structures Coverage

Foremost

Best RV Insurance Companies Of 2024 (33)

4.7

Best RV Insurance Companies Of 2024 (34)

Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team.

Collision repair grade

C-

Complaint level

Low

Availability

Nationwide

Best RV Insurance Companies Of 2024 (35)

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C-

Low

Nationwide

Editor's Take

We chose Foremost because of its extensive RV insurance coverage options, including special adjacent structures. This coverage protects sheds, decks, carports and covered porches not attached to RVs. Foremost has been part of the Farmers InsuranceGroup since 2000.

Pros

  • Offers full-timers and vacation liability.
  • Roadside assistance covers your RV and tow vehicle for anywhere in the US or Canada.
  • Pays up to $1,000 if your dog or cat is injured in an accident or at a campsite.
  • Won’t cancel your RV insurance policy if you rent out your RV.

Cons

  • Few discounts offered.
  • Quote form available online, but quotes are emailed in two to three days.
  • Is nationwide but coverage for certain types of recreational vehicles is not.

Types of RVs covered

  • Class A motor homes.
  • Class B motor homes.
  • Class C motor homes.
  • Luxury motor coaches (excluding Hawaii and Massachusetts).
  • Travel trailers (excluding Hawaii and Washington D.C.).
  • Fifth wheels (excluding Hawaii and Washington D.C.).
  • Campers.

RV insurance coverage options

Foremost RV insurance coverage options include:

  • Additional living expense coverage.
  • Adjacent structures coverage.
  • Diminishing deductible.
  • Emergency expense coverage.
  • Full-timer liability coverage.
  • Personal property coverage.
  • Personal property replacement cost coverage.
  • Occasional rental, loan or lease of RV.
  • Other than collision coverage.
  • Pet protection coverage.
  • Scheduled medical benefits.
  • Stationary travel trailer coverage.
  • Total loss settlement.
  • Towing and roadside assistance.
  • Vacation liability coverage.

Discounts

Foremost has several discounts available to RV owners, which may vary by state and have restrictions, including:

  • Airbag discount.
  • Anti-lock brake discount.
  • Defensive driving course.
  • Good student discount.
  • Multi-policy discount.

The multi-policy discount is available if you have other policies, such as home or auto, with Foremost, Farmers or another company that is part of Farmers, such as Bristol West.

Great For Discounts

Nationwide

Best RV Insurance Companies Of 2024 (37)

4.2

Best RV Insurance Companies Of 2024 (38)

Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team.

Collision repair grade

C

Complaint level

Low

Availability

46 states and Washington, D.C.

Best RV Insurance Companies Of 2024 (39)

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C

Low

46 states and Washington, D.C.

Editor's Take

We like that Nationwide offers many discounts to help you save. These include price breaks for getting an advance quote, having continuous insurance coverage or being part of an RV club. You can also get discounts for vehicle safety features and completing an RV driver’s safety course.

Pros

  • Offers “full-timers” and vacation liability options.
  • Full-time RVers can get secured storage coverage.
  • SR-22 insurance is available for RV owners in need.
  • Provides $1,000 of coverage for custom equipment added to your RV.

More: Nationwide car insurance review

Cons

  • RV insurance quotes not available online.

Types of RVs covered

Nationwide insurance covers these types of RVs:

  • Class A motor homes.
  • Class C motor homes.
  • Fifth-wheel trailer.
  • Truck campers.
  • Travel trailers.
  • Pop-up tent trailer.

RV insurance coverage options

Beyond the basic standard RV insurance coverage, Nationwide offers a wide variety of additional benefits, including:

  • Agreed value.
  • Awning replacement.
  • Custom equipment coverage.
  • Full-timers package.
  • Full-timers secured storage.
  • Identity theft.
  • Replacement cost personal effects.
  • Roadside assistance.
  • Safety glass replacement.
  • Scheduled personal effects.
  • SR-22 insurance filing.
  • Total loss replacement cost.
  • Towing and labor.
  • Utility trailers.
  • Vacation liability.
  • Vanishing deductible.

Discounts

Discounts available from Nationwide include the following, though they can vary by state:

  • Accident-prevention course discount.
  • Advance quote discount.
  • Anti-theft discount.
  • Automatic tire pressure monitoring discount.
  • Claim-free renewal discount.
  • Good driver discount.
  • Homeowners discount.
  • Multi-policy discount.
  • Multi-vehicle discount.
  • Paid in full discount.
  • Prior insurance discount.
  • RV association discount.
  • RV safety course discount.
  • Safety features discount.

Best for Collision Repairs

Auto-Owners

Best RV Insurance Companies Of 2024 (41)

4.0

Best RV Insurance Companies Of 2024 (42)

Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team.

Collision repair grade

B

Complaint level

Low

Availability

26 states

Best RV Insurance Companies Of 2024 (43)

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B

Low

26 states

Editor's Take

Auto-Owners is one of our favorites because it earned a B grade from collision repair professionals for its claim processes. That is the best grade among the companies we evaluated and indicates that they have good claims service practices in place.

Pros

  • Has a low level of complaints about car insurance filed with state insurance departments.
  • Pet medical coverage provides $750 per animal up to $1,500 total if your cat or dog is injured in your RV because of an accident.
  • Additional expense coverage pays for rental if you can’t use your RV due to an accident.

More: Auto-Owners Car Insurance Review

Cons

  • RV insurance quotes are not available online.
  • Fewer coverage offerings compared to competitors.

Types of RVs covered

Auto-Owners covers these types of RVs:

  • Class A motor homes.
  • Class B motor homes.
  • Class C motor homes.
  • Travel trailers.
  • Truck campers.

RV insurance coverage options

Coverage options can vary by state, but here are the common coverage offered by Auto-Owners.

  • Accident forgiveness.
  • Additional expense.
  • Contents coverage.
  • Full timer’s package.
  • Pet medical coverage.
  • Road trouble service.
  • Total loss replacement cost.
  • Vacation emergency expense.
  • Vacation liability coverage.

Discounts

Auto-Owners offers a good variety of discounts for RV owners. Not all discounts are available in all states and some restrictions may apply.

  • Advance quote discount.
  • Driver safety program discount.
  • Favorable loss history discount.
  • Good driver discount.
  • Green discount.
  • Inside storage discount.
  • Mature driver discount.
  • Multi-policy discount.
  • Paid in full discount.
  • Payment history discount.
  • RV driver safety discount.
  • Safety feature discount.

Things To Consider When Buying RV Insurance

Coverage options and available discounts are two key things to consider when buying RV insurance.

RV Insurance Coverage Options

Basic RV insurance coverage types generally mimic the main types of auto insurance you can buy for your car. That’s because any motorized RV needs at least state minimum vehicle insurance in most states, as it’s considered on par with an automobile.

Many extra coverage options are available to RV owners as needs vary depending on whether you use it for recreational purposes or as a full-time residence. These coverage types—as well as the requirements and specifics—can differ by insurer. Look over the details and ask an agent or research online any questions you have to ensure you buy the options you need and skip the ones you don’t.

Common additional RV coverage options include:

Summary

Best RV Insurance Companies Of 2024 (45)

Adjacent Structures Coverage

Optional coverage for structures at your RV site that aren’t attached to the RV and weren’t part of your RV’s purchase price, such as a shed or deck.

Best RV Insurance Companies Of 2024 (46)

Agreed Value

Agreed value coverage pays a specific agreed-upon amount if your vehicle is totaled or stolen.

Best RV Insurance Companies Of 2024 (47)

Custom Equipment / RV Customization Coverage

Covers custom equipment or parts you’ve added to your RV. Other specialized equipment coverage may also be offered to cover items such as your awning or permanent attachments.

Best RV Insurance Companies Of 2024 (48)

Disappearing Deductible

A disappearing deductible reduces your comprehensive and collision coverage deductible by a certain amount over time as you keep a safe driving record (no accidents or violations).

Best RV Insurance Companies Of 2024 (49)

Emergency Expenses

Pays expenses you incur, such as lodging, meals and transportation, if your RV becomes disabled and uninhabitable. For instance, if the RV was in an accident and was towed to a repair shop. This may also be called trip interruption coverage or emergency response.

Best RV Insurance Companies Of 2024 (50)

Full-Timer Liability

Provides personal bodily injury and property damage liability coverage for damage or injuries you accidentally cause others around or in your RV while it’s being used as your primary residence (typically means living in your RV at least six months a year).

Best RV Insurance Companies Of 2024 (51)

Loan or Lease Protection Coverage

Pays the difference between the remaining amount due on your vehicle loan or lease and the actual value of your RV if it’s declared a total loss due to a situation covered by your policy, such as a fire or theft. It may be referred to as gap insurance

Best RV Insurance Companies Of 2024 (52)

Loss Assessment

Pays fees your RV association may charge, such as if you must help pay for storm damages to shared areas.

Best RV Insurance Companies Of 2024 (53)

Personal Property Coverage

Pays for the loss of personal items contained in your RV, attached to it or used in connection with your RV that are damaged, destroyed or stolen. Upgrading to replacement costs pays out the replacement value instead of a depreciated amount.

Best RV Insurance Companies Of 2024 (54)

Pet Injury Coverage

Pet injury coverage pays if your cat or dog is injured or killed during an accident or other incident covered by your RV insurance.

Best RV Insurance Companies Of 2024 (55)

Roadside Assistance

Typically roadside assistance covers towing to the closest repair facility if your RV is disabled. It can also include fuel delivery, tire change and jump start.

Best RV Insurance Companies Of 2024 (56)

Scheduled Personal Effects

Covers personal property in your RV you want insured for a specific amount due to its high value, such as jewelry.

Best RV Insurance Companies Of 2024 (57)

Total Loss Replacement Coverage

Pays to replace your RV with a similar make and model if yours is declared a total loss from a situation covered by your policy, such as an accident or fire.

Best RV Insurance Companies Of 2024 (58)

Vacation Expense Allowance

Pays up to a certain limit, such as $200, for lodging expenses incurred if your RV becomes inhabitable during your vacation due to an issue covered by your policy, such as an accident.

Best RV Insurance Companies Of 2024 (59)

Vacation Liability

Provides personal liability insurance, which pays for property damage and injuries you may accidentally cause to others in or around your RV while it is being used as your temporary residence. This coverage is usually for people who don’t use their RV as their permanent residence.

If you use your RV as your primary residence you can look for special coverages, such as:

  • Full-timers package: This coverage typically provides personal bodily injury and property damage liability, medical payments to others and loss assessment coverage. It may also include other coverage. For instance, Nationwide includes emergency lock-out coverage, air bag replacement and shed contents coverage. A full-timers package is usually required if you use your RV full time, while optional for seasonal RVers.
  • Full-timers secured storage: Optional coverage for full-time RVers to protect personal belongings if the RV needs to be placed in storage for a period of time. You may be required to store your RV at a commercial storage business where access to the RV is restricted.

RV Insurance Discounts

RV insurance discounts mirror many car insurance discounts and can help you get the best price possible for your policy. Here are common RV insurance discounts to seek out:

Summary

Best RV Insurance Companies Of 2024 (60)

Advance Quote Discount

Get a quote at least one day before starting your new policy to get a discount.

Best RV Insurance Companies Of 2024 (61)

Anti-Theft Discount

If your RV has an anti-theft device, such as an alarm, active or passive disabling, theft recovery or VIN etching, you may be eligible for a discount.

Best RV Insurance Companies Of 2024 (62)

Auto Pay Discount

If you set up automatic funds transfers or electronic recurring payments, you can be eligible for a discount.

Best RV Insurance Companies Of 2024 (63)

Claim-Free Renewal Discount

Save at renewal time if you’ve been claim-free during your previous policy period.

Best RV Insurance Companies Of 2024 (64)

Continuous Insurance Discount/Prior Insurance Discount

If you’ve previously been insured by another company before starting your next policy, you can earn a discount for continuous insurance coverage on your RV.

Best RV Insurance Companies Of 2024 (65)

Electronic Funds Transfer (EFT) Discount

If you’re making payments and sign up for the EFT payment method, you can obtain a discount.

Best RV Insurance Companies Of 2024 (66)

Good Driver Discount

If your driving record is free of major violations and accidents, you can earn a discount.

Best RV Insurance Companies Of 2024 (67)

Homeowners Discount

If you're a homeowner, you can save. (If you travel full-time in your RV you may not qualify for this discount with some insurance companies).

Best RV Insurance Companies Of 2024 (68)

Multi-Policy Discount

Receive a discount on your RV insurance if you bundle it with another policy from the same company, such as a car, boat, umbrella or life insurance policy.

Best RV Insurance Companies Of 2024 (69)

Multi-Vehicle Discount

Get a discount when you insure two or more vehicles with the same company, such as your car and RV.

Best RV Insurance Companies Of 2024 (70)

Paid In Full Discount

You’ll receive savings if you pay your entire RV insurance bill at the inception of your policy.

Best RV Insurance Companies Of 2024 (71)

Paperless Discount

Sign up for online billing and electronic delivery of policy documents to earn a discount.

Best RV Insurance Companies Of 2024 (72)

RV Association Discount

If you’re a member of an RV club, such as Good Sam, you may be eligible for a discount.

Best RV Insurance Companies Of 2024 (73)

RV Safety Course Discount

Save money on your RV insurance policy if you complete an approved state RV driver safety course.

Best RV Insurance Companies Of 2024 (74)

Safety Features Discount

Save if your RV is equipped with certain safety features. The requirements vary by insurer and can include features such as airbags and anti-lock brakes or permanently installed engine fire suppression system and automatic shut-off protection system.

Best RV Insurance Companies Of 2024 (75)

Senior Safety Course Discount

If you’re 55 or older, have completed an approved safety course within the last 36 months and are free of moving violations or at-fault accidents in the last three years, you may be eligible for a discount.

How Much Is RV Insurance?

The average cost of RV insurance is $1,500 a year, according to Trusted Choice, a group for independent insurance agents. Rates vary significantly depending on key factors RV insurance companies consider when pricing your policy. Cost factors include items such as RV type, usage and coverage choices.

How Does the Type of RV Class Affect Your Insurance?

The type of RV class helps determine your rates because the more expensive your RV, the more you will pay. For instance, the cost to insure a motor home will be more than that of a pop-up camper. This is because the motor home’s value is higher and you’ll need coverage while driving.

The average rate for various classes of RVs are as follows, according to Trusted Choice:

  • Class A (biggest and most expensive) average rate is $1,150.
  • Class B (smallest and includes travel trailers and camper vans) average rate is $1,000.
  • Class C (truck or van base with overhead sleeping like a fifth wheel) average rate is $900.

Factors That Impact the Cost of RV Insurance

Cost factors for RV insurance typically include:

  • Age and value of the RV.
  • Annual mileage.
  • Experience of the driver.
  • How frequently you use your RV.
  • How you use your RV (for vacation pleasure trips or as a residence).
  • RV insurance coverage selections.
  • The type of RV you own (including its size and if it’s motorized).
  • Where you live.
  • Your claims history.
  • Your credit-based insurance score (in most states).
  • Your deductibles (for certain sections, such as collision and comprehensive).
  • Your driving record.

EXPERT TIPS

How To Find the Best RV Insurance

Best RV Insurance Companies Of 2024 (76)

Penny Gusner

Insurance Senior Writer

Best RV Insurance Companies Of 2024 (77)

Ashlee Valentine

Insurance Editor

Best RV Insurance Companies Of 2024 (78)

Amy Danise

Insurance Managing Editor

Best RV Insurance Companies Of 2024 (79)

Michelle Megna

Insurance Lead Editor

Best RV Insurance Companies Of 2024 (80)

Jason Metz

Insurance Lead Editor

Know Your RV Insurance Needs

When shopping for RV insurance, it’s important to understand how much coverage you need. For example, I suggest that you buy higher liability limits than what your state requires to be sure you have sufficient coverage if you cause an accident. And, buying full coverage insurance is essential if you want the most financial protection for your RV.

Penny Gusner

Insurance Senior Writer

Know If You’re a Full-Timer or Not

Be aware that the definition of a full-time RVer varies by company. You’ll want to know if you’re considered a full-timer or part-timer by the insurance company when making choices about your RV insurance coverage. Knowing whether you’re a full-timer or not can help prevent you from being underinsured for your RV lifestyle.

Ashlee Valentine

Insurance Editor

Pick a Higher Deductible

Comprehensive and collision insurance come with a deductible or the amount that the RV insurer will deduct from a claims payout. I recommend choosing a higher deductible—such as $1,000—if you want to trim costs. Your rates will usually decrease because the insurance company has to pay out less for claims. But note that you’ll pay more out-of-pocket when you file a claim with a higher deductible amount.

Amy Danise

Insurance Managing Editor

Ask for RV Insurance Discounts

Many discounts are automatically applied using the information you provided for your quote, but I find it never hurts to ask if you’re eligible for more. For example, you can get a discount by bundling insurance policies—such as your home and RV insurance—with the same company.

Michelle Megna

Insurance Lead Editor

Shop Around

Whether you already have RV insurance or are shopping for your first RV insurance policy, I strongly suggest shopping around to get the best rates.

Start by getting a quote from your auto insurer if it offers RV insurance, as you may qualify for extra discounts. Use that quote as your starting point and compare it with rates from at least three other companies.

Jason Metz

Insurance Lead Editor

Other RV Insurance Considerations

Good Sam RV Insurance

RV enthusiasts know Good Sam for its network of over 2,000 RV Parks in the U.S. and Canada. Good Sam is also an insurance agency that works with top RV insurance companies, such as Foremost, National General, Progressive and Safeco.

We didn’t include Good Sam on our best evaluations because it’s an insurance agency and not an insurance company. However, it may be worth checking out as a place to shop around and get online RV insurance quotes.

Roamly RV Insurance

Roamly is another insurance agency that can be helpful to RV owners. Roamly helps RV owners who rent out their RVs and need an RV insurance policy that permits this activity. Roamly works with companies such as Allstate, Foremost, National General, Safeco, Spinnaker and others.

Methodology

To identify the best RV insurance companies, we evaluated each company based on complaints against the company, coverage options offered, discounts available and collision repair grades from auto body professionals.

Complaints (50% of score): We used complaint data from the National Association of Insurance Commissioners. Each state’s department of insurance is in charge of logging and monitoring complaints against companies operating in their states. RV insurance falls under the auto insurance complaints category, and here complaints tend to center around claims, including unsatisfactory settlements, delays and denials.

The industry complaint average is 1.00, so companies with a ratio below 1.00 have lower levels of complaints.

RV insurance coverage options (30% of score): Any RV insurance company can provide the basics of liability insurance, collision and comprehensive coverage and other standard offerings. But it’s vital to have access to additional coverage types that can provide greater financial protection for your RV and your travels.

RV insurance discounts (15% of score): Offering a wide variety of discounts to help keep costs down on RV insurance is important, so we reviewed what discounts companies have available to RV owners.

Collision repair (5% of score): We incorporated insurance company grades from collision repair professionals. We used data provided by CRASH Network, a weekly newsletter covering the collision repair and auto insurance market segments. CRASH Network’s Insurer Report Card used grades from more than 1,100 collision repair professionals to gauge auto insurers on the quality of their collision claims service.

Read more: How Forbes Advisor rates car insurance companies

Other RV Insurance Companies We Rated

Here are other car insurance companies we analyzed as part of our best RV insurance companies research but did not make our list of top picks.

CompanyForbes Advisor rating

Safeco

Best RV Insurance Companies Of 2024 (86)

3.5 stars

Geico

Best RV Insurance Companies Of 2024 (87)

3.4 stars

National General

Best RV Insurance Companies Of 2024 (88)

1.0 stars

Best RV Insurance Frequently Asked Questions

Do I need RV insurance?

Yes, if your state requires auto insurance, like most do, you’ll need RV insurance for a motorized RV. You drive motor homes on the road, so you’re mandated to have at least state minimum insurance. Trailer-style RVs are typically covered by extended insurance from your auto policy and don’t need their own policy.

Do towed trailers need RV insurance?

If your RV is towable, such as a travel trailer, it usually isn’t required by the state to be insured. However, it’s wise to have liability car insurance for a towable RV in case it’s involved in an incident that causes damages or harm to others, such as you backing the trailer into a parked car.

Check with your auto insurance company to see if liability insurance from your tow vehicle will extend to your RV being towed. Many do.

What is considered a full-timer for RV insurance?

Typically being a full-timer for RV insurance means living in your RV as your primary residence for over six months a year. If the RV is used for less than six months in a year, it’s usually deemed pleasure or recreational use.

However, definitions can vary by insurer, so check before buying your policy. For instance, Nationwide has very specific usage-based definitions. Usage between 0 and 150 days per year is considered pleasure use, and more than 150 days is deemed full-time seasonal. Full-time traveling is when your RV is your primary residence but not stationed at one location, and full-time non-traveling means it’s your primary residence and located in a single location.

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