Personal car insurance policies don’t include coverage for RVs. So whether you’re planning to live in your RV full-time or for just a few months, you’ll need to purchase an RV insurance policy. Some of the best RV insurance companies include American Family, Geico, Progressive, USAA, National General, and The Hartford.
To choose the best RV insurance providers, we looked at pricing and discounts, customer support, coverage options, customer satisfaction scores, and online resources for the biggest carriers. Before signing a new RV insurance policy, learn how you can choose and compare the best RV insurance company for your needs.
The 6 Best RV Insurance Companies
- American Family: Best for Pet Owners
- Geico: Best for Cheap Policies
- Progressive: Best for Discounts
- USAA: Best for Military Members
- National General: Best for Customizable Coverage
- The Hartford: Best for Retired RVers
Compare the Best RV Insurance
| Reviews.com Score Score is based on company’s customer experience, financial stability, and coverage options. | A.M. Best Financial Strength AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim. | J.D. Power Overall Customer Satisfaction* J.D. Power scores are based on surveys for customer satisfaction and product quality. | ||
|---|---|---|---|---|
| Pin American Family | 4.6/5 | A | 822/1,000 | |
| Pin Geico | 4.6/5 | A++ | 843/1,000 | |
| Pin Progressive | 4.4/5 | A+ | 829/1,000 | |
| Pin USAA | 4.4/5 | A++ | 891/1,000 | |
| Pin National General | 3.8/5 | A- | 827/1,000 | |
| Pin The Hartford | 3.8/5 | A+ | 824/1,000 |
Information accurate as of February, 2021.
Best for Pet Owners
Why we chose it
Why we chose it
Pros
- Pet coverage included with RV policies
- Good financial strength
- Diminishing deductible
Cons
- Discounts are somewhat limited
- Only available in 17 states
Types of RV Coverage Offered
- Pet coverage
- Personal property coverage
- RV customization coverage
- Vacation expense allowance
- Emergency roadside assistance
Discounts Available for RV
- Defensive driver
- Auto safety equipment
- Multi-policy
- Smart payment program
Further Reading on American Family:
Geico
Why we chose it
Why we chose it
Pros
- Cheap policies
- Excellent financial strength
- Widespread availability
- Offers travel trailer coverage
Cons
- Poor customer service
- Slow claims handling
Types of RV Coverage Offered
- Total loss replacement coverage
- Replacement cost personal effects coverage
- Vacation liability coverage
- Emergency expense coverage
- Special windshield deductible
- RV medical payments coverage
Discounts Available for RV
- Multi-vehicle
- Defensive driver course
- Commercial driver’s license
Further Reading on Geico:
Best for Discounts
Why we chose it
Why we chose it
Pros
- Variety of discounts
- Coverage for all type of RVs and trailers
- Superior financial strength
- Full-time RV coverage
Cons
- Higher-than-average complaints
- Expensive premiums
Types of RV Coverage Offered
- Small accident forgiveness
- Large accident forgiveness
- Roadside assistance
- Total loss replacement coverage
- Replacement cost personal effects coverage
- Full timer’s liability coverage
Discounts Available for RV
- Multi-policy
- Quote in advance
- Original owner
- Pay in full
- Responsible driver
- Prompt payment
Further Reading on Progressive:
Best for Military Members
Why we chose it
Why we chose it
Pros
- Great coverage options
- Highly rated customer service
- Available in 50 states
- Coverage available for most RVs, trailers and campers
Cons
- Only available for military members and veterans
- Few coverages
Types of RV Coverage Offered
- Full timer’s liability coverage
- Total loss replacement coverage
- Emergency expenses coverage
- Personal property coverage
Discounts Available for RV
- Responsible driver
- Claims-free
- On-time payments
- Paperless billing statements
- Original ownership
- Multi-policy
- RV safety features
Further Reading on USAA:
Best for Customizable Coverage
Why we chose it
Why we chose it
Pros
- Variety of coverage
- Good discounts
- Online quotes
Cons
- Have to work with an agent for most policy changes
- High customer complaints
Types of RV Coverage Offered
- Specialized equipment coverage
- Full replacement cost coverage
- Search assistance coverage
- Free replacements parts coverage
- Theft reward coverage
- Towing and repair coverage
Discounts Available for RV
- Safe storage
- Multi-vehicle
- Motorcycle policy bundle discount
- Paid in full
- Paperless billing statements
- Low mileage discount
Further Reading on National General:
Best for retired RVers
Why we chose it
Why we chose it
Pros
- Good customer service
- 24/7 claims reporting
- Affordable policies
- Great financial strength
Cons
- Only available for AARP members
- Few coverage options and discounts
Types of RV Coverage Offered
- Lifetime repairs coverage
- New RV replacement coverage
- First accident forgiveness
Discounts Available for RV
- AARP membership
- Multi-policy
- Driver safety course
- Disappearing deductible
Further Reading on The Hartford:
**J.D. Power’s 2020 U.S. Auto Insurance Study average rating. Based on a 1,000-point scale.
How to Find the Best RV Insurance Provider
Before you select an RV insurance provider, there are some factors you should consider, such as what type of RV you have, how much coverage you need, and how much you can afford to pay for your premium and deductible. You should also keep in mind how often you’ll be traveling.
Know Your RV’s Class
Most insurance companies offer a certain level of coverage based on RV class. Before getting insurance, you should know what class your RV is:
- Class A motorhomes: These are the largest and most upscale types of RVs. Class A motorhomes can often sleep up to 10 people.
- Class B motorhomes: Class B motorhomes are also referred to as sleeper vans or campervans. They are smaller than class A, but still come with amenities such as a kitchen, bathroom, and separate bed area.
- Class C motorhomes: These motorhomes are often built on a truck or van chassis, and they are the smallest class of RVs. If your motorhome has an attached cab or an overhead bunk, it’s probably class C.
Decide on Coverage
Figure out how much coverage you need and what type of coverage makes sense for you. For example, you’ll probably want more coverage if you’re traveling with multiple people or plan to travel for long periods of time. You might also consider purchasing add-on coverages, like roadside assistance or total replacement cost coverage.
Choose Your Premium and Deductible
Your premium is the amount of money you’ll pay each month or year for insurance, while your deductible is the amount of money you’ll pay out of pocket toward a covered loss. The higher your deductible, the lower your premium will be. And it works the other way around — the lower your deductible, the higher your premium.
Specialized RV Eligibility
If your RV was custom built or has expensive add-ons, some insurance companies may not cover you. If you are eligible, you will likely need a higher coverage limit, which means paying a higher premium.
Full-Time vs. Part-Time RV Insurance
Not all RV insurance companies sell policies to full-time RVers. If you’re planning to live in your RV for the foreseeable future, make sure to look at RV insurance companies that offer full-time insurance. Keep in mind that full-time RV insurance is more expensive than part-time insurance.
Do You Need Insurance for an RV?
Yes, if you own an RV, you need RV insurance. Private passenger car insurance policies don’t cover RVs, motorhomes, travel trailers, or camper vans. In most states, RV insurance is legally required. When choosing an RV insurance company, consider factors like price, policy options, discounts, customer service reviews, financial strength, and third-party ratings.
How We Selected the Best RV Insurance Companies
We evaluated the companies based on their customer ratings and experiences, financial stability, and coverage. To compare insurance companies across the board, we then calculated a Reviews.com score based on the following:
- Customer ratings: Customer ratings are an indication of satisfaction with the process of filing a claim. We measured this factor using J.D. Power Auto Insurance Satisfaction Index.
- Coverage: As there isn’t one RV insurance policy to fit everyone’s needs, we evaluated companies by the number of coverage options available.
- Confidence: It is extremely important for insurance companies to fulfill customers’ claims. Companies with sound financial strength will not have issues paying out claims, regardless of the amount. However, companies with weak financial strength might not be able to pay out claims. To measure financial strength, we relied on AM Best ratings of each RV insurance company.
- Online resources: For the first time in 21 years, J.D. Power reported in 2020 that interaction with websites and online tools had a bigger impact on customer satisfaction than agents. In our evaluation process, we weighed the availability, functionality and ease of use of each company’s digital services.
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About the Authors
Elizabeth Rivelli is an insurance writer for Reviews.com. Over the last year, she has covered insurance providers, best policies, industry trends and more. Elizabeth has been featured in The Simple Dollar, Bankrate and Coverage.com, among others. She holds a bachelor's degree in Communication Studies from Northeastern University in Boston, MA. The Best Term Life Insurance Companies is Elizabeth’s favorite review on Reviews.com.
