RV Insurance: Everything To Know About Coverage

If you’ve purchased an RV or are getting ready to buy one, you may be researching RV insurance and preparing for your first road trip. RV insurance is similar to auto insurance, but you will need to ensure that you’re getting the best RV insurance for you and your vehicle.

Below, we’ll discuss what RV insurance covers, how much RV insurance costs, how much coverage you should buy, and where to find the best RV coverage.

If you are looking to buy RV insurance, enter your ZIP code into our free quote comparison tool above to find an RV insurance company in your area.

What is RV insurance, and what does it cover?

An RV is a recreational vehicle organized into classes (Class A, Class B, and Class C).

Class A vehicles include luxury coaches, converted buses, and motor coaches up to 75 feet long. Class B vehicles include small recreational vehicles without cab-overs such as cargo vans, trailers, and camper vans. Class C vehicles include vehicles that use a cargo van as the driving portion and a camper that extends over the cab.

Your RV insurance will depend on the vehicle class, how often you use it, and the type of use. However, most RV insurances cover similar items as auto insurance, including bodily injury and property damage liability, uninsured/underinsured motorist coverage, collision and comprehensive insurance, and medical payments coverage.

Liability insurance will cover other people’s injuries and damage to their property if you cause an accident while driving your RV. Uninsured/underinsured motorist coverage will cover your expenses if you are in an accident with someone that doesn’t have enough insurance.

Collision and comprehensive coverage go above and beyond other types of coverage, ensuring that your expenses are covered in just about any kind of event, including those you have no control over. Medical payments coverage will cover medical expenses for you and your passengers after an accident, no matter who is at fault.

You may also have the opportunity to add additional coverages to your policy, including roadside assistance, towing and labor coverage, vacation liability, safety glass replacement, replacement cost, and scheduled personal effects.

How much does RV insurance cost?

On average, a Class A RV could cost around $2,000 per year, while a Class B RV could cost between $1,000 and $2,000 per year. However, RV insurance rates could vary based on the following factors:

• The class of your vehicle — Class A vehicles are the most expensive to insure, while Class B vehicles are the least costly to insure.
• Use of your vehicle — If you occasionally use the RV, it will cost less to insure than if you live in it full-time.
• Driving history — If you have been in accidents or made claims on your insurance in the past, your rates may be higher.
• Coverage and deductible amounts — The higher the coverage, the more expensive it will be. However, you can reduce your rates by increasing your deductible.
• Additional coverage — If you add riders and extra coverage, your rates will increase.

Your RV insurance rates will also depend on essential factors, such as your age, location, and the insurance company. For example, Progressive RV insurance could be more expensive than Geico RV insurance.

Is RV insurance required?

In short, yes. Most states require you to carry at least some liability insurance. The requirements for RV insurance are the same as the requirements for auto insurance. Let’s look at the insurance requirements for each state:

Auto Insurance Minimum Requirements Per State

In some circumstances, you may be required to purchase other types of RV insurance. For example, if you rent or finance an RV, you may be required to purchase collision or comprehensive coverage. Furthermore, if you live in your RV full-time, you will need full-timers insurance similar to home insurance.

How much RV insurance should I buy?

The most significant factor determining how much RV insurance you should buy is your state’s insurance requirements. To drive your RV legally, you must have at least the minimum amount of insurance required in your state.

You may also want to consider your RV’s class, where and how often you will be traveling, whether your RV will be used full-time or part-time, and whether your vehicle has custom features that could cost more to repair.

Where can I find RV insurance?

Several companies provide cheap RV insurance with high-quality coverage.

Good Sam RV insurance provides coverage for Class A, Class B, and Class C vehicles, as well as conventional and fifth-wheel trailers, pop-up trailers, truck campers, horse trailers, utility and travel trailers, toy haulers, and converted buses.

You can also buy tire protection, chassis coverage, and an extended service plan from Good Sam. The company also provides multi-vehicle discounts, paid-in-full discounts, multi-policy discounts, storage discounts, and safe driver discounts.

National General RV insurance is another excellent option for Class A and Class B vehicles, fifth-wheel trailers, and mounted truck campers.

Additional coverages from National General include replacement cost coverage, vacation liability, full-timers insurance, towing and labor, diminishing deductible, Mexico coverage, personal effects coverage, and emergency expense coverage.

The company also offers multi-vehicle discounts, paid-in-full discounts, multi-policy discounts, and storage discounts.

Progressive RV insurance provides coverage for Class A, Class B, and Class C vehicles, as well as conventional trailers, fifth-wheel trailers, pop-up tent trailers, mounted truck campers, toy haulers, horse trailers, and cargo and utility trailers.

Progressive’s additional coverages include roadside assistance, total loss replacement, personal effects coverage, vacation liability, full-timers insurance, loss assessment, emergency expense coverage, pet injury coverage, roof protection, and damage protection.

Discounts from Progressive include multi-policy discounts, quote in advance discounts, original owner discounts, paid-in-full discounts, safe driver discounts, paperless discounts, and accident forgiveness.

Enter your ZIP code into our free quote comparison tool below to find affordable RV insurance quotes from a company near you.