The Best RV Insurance Companies

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    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 Family4.6/5A822/1,000
    Pin Geico4.6/5A++843/1,000
    Pin Progressive4.4/5A+829/1,000
    Pin USAA4.4/5A++891/1,000
    Pin National General3.8/5A-827/1,000
    Pin The Hartford3.8/5A+824/1,000

    Information accurate as of February, 2021.

    American Family

    Best for Pet Owners

    Why we chose it

    American Family is a highly rated insurance company, and every RV insurance policy comes with pet insurance to protect dogs and cats in the motorhome.
    • 4.6 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • A AM Best Rate 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.
    • 822/1,000** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    American Family is a highly rated insurance company, and every RV insurance policy comes with pet insurance to protect dogs and cats in the motorhome.

    Pros

    • Pet coverage included with RV policies
    • Good financial strength
    • Diminishing deductible

    Cons

    • Discounts are somewhat limited
    • Only available in 17 states
    Read More

    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

    Geico

    Why we chose it

    Geico is known for offering cheap RV insurance policies, which is ideal for people who need affordable full-time or part-time coverage.
    • 4.6 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • A++ AM Best Rate 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.
    • 843/1,000** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Geico is known for offering cheap RV insurance policies, which is ideal for people who need affordable full-time or part-time coverage.

    Pros

    • Cheap policies
    • Excellent financial strength
    • Widespread availability
    • Offers travel trailer coverage

    Cons

    • Poor customer service
    • Slow claims handling
    Read More

    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:

    Progressive

    Best for Discounts

    Why we chose it

    People looking to save extra money on their RV insurance will like Progressive’s impressive list of discounts.
    • 4.4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • A++ AM Best Rate 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.
    • 829/1,000** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    People looking to save extra money on their RV insurance will like Progressive’s impressive list of discounts.

    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
    Read More

    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:

    USAA

    Best for Military Members

    Why we chose it

    Active-duty military members and veterans can get comprehensive and affordable RV insurance from USAA. Almost every type of RV qualifies for coverage.
    • 4.4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • A++ AM Best Rate 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.
    • 891/1,000** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Active-duty military members and veterans can get comprehensive and affordable RV insurance from USAA. Almost every type of RV qualifies for coverage.

    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
    Read More

    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:

    National General

    Best for Customizable Coverage

    Why we chose it

    National General offers a variety of coverage options that allow RVers to customize their policy based on their unique needs.
    • 3.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • A- AM Best Rate 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.
    • 827/1,000 J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    National General offers a variety of coverage options that allow RVers to customize their policy based on their unique needs.

    Pros

    • Variety of coverage
    • Good discounts
    • Online quotes

    Cons

    • Have to work with an agent for most policy changes
    • High customer complaints
    Read More

    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:

    The Hartford Classic Car Insurance

    Best for retired RVers

    Why we chose it

    The Hartford offers RV insurance discounts to AARP members over 50 years old, making it an affordable option for retired RVers.
    • 3.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • A+ AM Best Rate 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.
    • 824/1,000** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    The Hartford offers RV insurance discounts to AARP members over 50 years old, making it an affordable option for retired RVers.

    Pros

    • Good customer service
    • 24/7 claims reporting
    • Affordable policies
    • Great financial strength

    Cons

    • Only available for AARP members
    • Few coverage options and discounts
    Read More

    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

    Elizabeth Rivelli Contributing Writer

    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.

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