The Best RV Insurance

The Best RV Insurance Providers

The best RV insurance is affordable, comprehensive, and flexible according to your needs. Because your RV functions as both a home and a car, insurance policies resemble a combination of home and auto insurance — and consequently, they tend to be somewhat more complex and expensive. Policy price will vary depending on your location, class of RV, age and condition of the vehicle, frequency of use, and more. We dig into the pros and cons of several stellar providers below, although RV insurance prices vary based on specific location and situations. We recommend getting quotes from multiple companies to see which offers you the best quote.

How We Chose the Best RV Insurance Providers

Availability

For this review, we focused on national providers and left out any companies that only insure RVs locally. Odds are, national insurers are able to provide coverage no matter where you are in the U.S., and they are more likely to have the financial strength to support you. If you’re trusting a provider to come through when you’re most in need, it’s reassuring to have a company with years of experience and a history of financial success at your back.

We also chose to leave out third-party companies, which act as the middlemen between customers and insurance providers. If you’re buying insurance, it’s best to do so directly from the source in case the middle party goes out of business while you’re relying on your coverage to come through.

Financial strength

If you’re in an accident, the last thing you want to worry about is whether your insurance provider will be able to pay out what’s due to you. This is especially important in the case of RV insurance, where a stolen or wrecked RV can mean that you have neither accommodation nor a means of transportation until you get your insurance payment.

To ensure that providers’ financial affairs were up to snuff, we looked at independent evaluations from insurance rating and credit rating agencies A.M. Best, S&P Global, Moody’s, and J.D. Power. While each agency has its own rating scale, we required companies to have A or “above average” ratings from all four — solid indications that companies are in great financial health. Acquiring ratings from all four agencies also indicates that companies care enough about their business’ reputation to apply for these voluntary review processes. For an industry that’s centered around the principle of being there when you need help most, we found this focus on transparency to be the mark of a good provider. Smaller companies like Good Sam or National Interstate may provide seemingly better discounts, but they tend to only submit themselves for review to one or two agencies.

Coverage

Do you live in your RV full-time, or does it sit in storage for most of the year? Do you have any permanent attachments like a satellite dish? Every company offers basic RV coverage, but the right provider for you also offers the set of add-ons that speaks to your main concerns, whether it’s full-time residency insurance or roadside assistance. Our top picks all have plenty of add-ons in addition to basic coverage.

Customer support

Good customer service is especially essential when you’re in a crisis after an accident or theft. Excellent insurance providers make it easy for you to file a claim online or over the phone. They also offer accessible service 24/7 through a customer helpline or roadside assistance. If a company’s a hassle to deal with when you truly need help, it may make an already difficult situation even more trying.

To gauge customer support, we checked J.D. Power’s annual Auto Claims Satisfaction Study, which details the responses of over 10,000 insurance customers and ranks companies based on customer satisfaction. We required our top picks to have at least three out of five stars (“about average”).

For our top picks, we preferred online claim reporting capabilities (including mobile app options) for customer convenience, but we also wanted companies to offer easy access to real human support. Whether you want to have another person on the line throughout the whole process or prefer to keep things digital, a good insurance company offers you plenty of options for claims.

Discounts

Many providers offer discounts as rewards for “good” customer behavior. Common ones include discounts for driving safely, paying your entire annual premium upfront, keeping your RV in storage for part of the year, switching from another provider, holding membership in an RV association, or taking an RV safety course. We noted if a provider listed generous discounts available to all customers. However, many discounts vary depending on location. To see if there are any specific to your area and to compare RV insurance prices, ask an agent.

The 6 Best RV Insurance Providers

• State Farm – Best Customer Support
• Nationwide – Best Discounts
• Farmers – Best Travel Trailer Coverage
• Safeco – Best Coverage for Accessorized RVs
• Allstate – Best Mobile App
• Progressive – Best for Low Deductibles

Why we chose it

Exceptional claims satisfaction

State Farm boasts a solid score in J.D. Power’s Customer Claims Satisfaction rating among our top picks (three out of five) and sits above industry average. That means that once you do file a claim, you can expect a smooth experience. If a positive customer experience is especially important to you, State Farm is likely to deliver superior service.

Trailer coverage

Like Farmers, State Farm specifies that it insures tow trucks and van campers in addition to traditional RVs. If you have a towable model, State Farm should be at the top of your list for gathering quotes.

Basic app

While not as highly rated in the Apple App Store as apps from Farmers and Allstate, users note that State Farm’s 4.2-star app doesn’t have significant issues with functionality. You’ll be able to view your policy, request roadside assistance, and file a claim. You won’t find more personalized features like Allstate’s QuickFoto capability, but this more basic functionality means that it offers a more straightforward experience for anyone who isn’t particularly mobile-inclined.

Points to consider

No universal discounts listed

While State Farm’s website recommends speaking with an agent to see what discounts are available to you for motorhome insurance, it doesn’t list any universal discounts. It’s still possible to save on your premiums, but there’s less transparency about what you may qualify for. If discounts are important to you, it’s best to get clarity from a State Farm agent on what to expect before signing up.

Why we chose it

Generous discounts

Nationwide offers more discounts than most other providers, and you’ll likely be eligible for at least one. Discounts are offered for switching from another provider, paying your annual premium upfront, driving safely, not filing any claims in the previous insurance period, and having membership in Nationwide’s Affinity Group. Nationwide is also one of the only providers that will reward you for enrolling in an RV safety course.

Coverage for accessorized RVs

Nationwide’s coverage options make it easy for part-time RV users with accessorized RVs to get the support they need. Besides basic coverage, Nationwide also insures personal belongings and sound systems. If you’ve tricked out your RV especially for vacation, Nationwide has you covered there, too: It provides roadside assistance, rental reimbursement, emergency expenses, and vacation liability for personal injuries.

Points to consider

Mediocre app

As with our other large insurance providers, Nationwide has a mobile app that allows you to file a claim, pay your bill, and view your insurance card. However, while it currently has a 4.2-star rating on the Apple App Store, its Google Play rating sits at a mediocre 3.5. Many users complain that several of the app’s features malfunction and need attention from developers. If you’re trying to file a claim after an accident, you don’t need the additional stress of a poorly functioning app, even if it’s free. While the app’s capabilities may improve over time, it’s best to stick with providers like Allstate if mobile app functionality is important to you.

Limited availability

While Nationwide is a solid provider in terms of add-ons and financial strength, its reach is more limited than our other picks. Nationwide doesn’t cover Alaska, Hawaii, Louisiana, or Massachusetts — if you need an RV insured in any of those states, you’ll have to check out one of our other picks.

Why we chose it

Many coverage add-ons

Farmers offers a wide range of coverage options that cover both full-time RV owners and occasional RV users. With total loss replacement, emergency expenses, vacation liability, personal belongings coverage, and roadside assistance, there’s a slew of protective add-ons to help you feel safe.

Easy-to-use app

Farmers has a well-rated mobile app, with 4.8 stars and over 2,000 ratings in the Apple App Store. Users praise its convenience and intuitive design. Your insurance information is easily accessible, and Farmers’ mobile app gives you the contact information for your agent, so you can get human help quickly (even if you’re offline). And if you’d like to eschew phone conversations, Farmers allows you to file a claim through the app itself.

Travel trailer and fifth wheel trailer coverage

Farmers offers coverage for travel trailers and fifth wheel trailers in addition to RVs, as well as a special program for customers who use them as part- or full-time residences. The Stationary Travel Trailer Program offers comprehensive, liability, and medical payments coverage for customers who reside in their trailer seasonally or permanently. All of Farmers’ optional coverage options for RVs also apply for trailers. What’s more, if your trailer is towable, Farmers will insure your tow vehicle.

Points to consider

Variable discounts

Location-specific discounts are different for every company, but most will list at least one or two universal discounts that apply regardless of location. Farmers doesn’t list any of these; this means that you may or may not qualify for discounts, depending on your location. To find out if you’re eligible for any, contact a Farmers agent in your area.

Why we chose it

Coverage for accessories and additional equipment

Safeco’s coverage options include some less common offerings that may appeal to RV owners with more particular concerns. Along with Progressive, Safeco is one of the only insurers to provide pet injury insurance, along with total loss replacement for your RV in the event of an accident. On top of the original price of your RV, Safeco can also insure any custom AV equipment or decorative additions, such as a speaker system, TV, special flooring, wheels, or decals.

Long coverage periods

Regardless of how often you use your RV, Safeco is worth a look. Safeco offers coverage for anyone who lives in an RV fewer than 250 days (about eight months). While this won’t cover policyholders who live in their RV full-time, it serves as a nice middle-ground for people who only plan to store their RV away during the winter months, for instance.

Coverage outside the U.S.

If you’re planning on driving through Mexico or transporting your RV between locations in Mexico, Safeco offers coverage options to keep you protected — just opt for the Mexico physical damage coverage (but note that you’ll have to purchase liability insurance through a Mexican company).

Safeco will also cover you if you decide to rent an RV in a different country. If you’re planning on renting a vehicle abroad, Safeco’s Worldwide Coverage for Physical Damage is worth checking out.

Points to consider

Iffy app

Though Safeco’s app boasts a high 4.7 rating with over 5,000 ratings in the Apple App Store and an average 4.1 rating in Google Play, the reviews tell a different story. The most common complaint is that the app simply redirects you to the Safeco website, which is poorly formatted for mobile use. Many reviews also report that the app routinely crashes, which frustrated customers enough that they deleted the app and used their computers to access the Safeco website. The company has responded to say that it is actively working on improving functionality and adding offline features, but in the meantime, it’s likely that using the app is a frustrating experience.

Why we chose it

Claims process

While many companies require you to call in to file a claim, Allstate offers a myriad of options, so you can choose what’s most convenient for you. Whether you’re a registered Allstate customer or just using a guest account, you can file a claim through an online report, directly contact a local agent, or call in to the 24/7 customer service hotline.

Mobile app

With the input of over 200,000 users, Allstate boasts an impressive 4.8-star rating in the Apple App Store, which indicates that most customers are happy with the service. We especially like the QuickFoto feature: If you’re in an accident, just take pictures of the damage and a claims rep will come up with an estimate and give you a call within 24 hours.

Rare discounts

While Allstate doesn’t advertise quite as many discounts as some of its competitors, it does offer two rarer ones. If you’re transferring from one provider or are over age 55 and retired, you can benefit from Allstate’s discounted RV insurance rates.

Points to consider

No full-timer coverage

If you live in your RV full-time for more than six months of the year, Allstate will not be able to insure your RV. Because of that, Allstate is a more suitable provider for people who only use their RVs occasionally: Its policies include basic coverage, sound system coverage, personal belongings coverage, medical payment, roadside assistance, and rental reimbursement.

Why we chose it

Discounts on deductibles

One of Progressive’s add-on coverages includes a “disappearing deductible” option. This means that each year you don’t file a claim, Progressive will drop your rate by 25%. With this method, the company boasts that you could eventually have a $0 deductible. But it only stays this way as long as you haven’t filed a claim — if you do, your deductible will go right back up. Safeco also incentivizes safe driving with low deductibles. Safeco will reduce your collision deductible by $100 each year you don’t have a claim, but this incentive caps at $500.

Coverage in Mexico

Progressive’s coverage options are pretty special. It insures full-timer RV usage, and it’s one of the few companies that extends its coverage outside of the U.S.: perfect if you plan on vacationing across the border.

Pet injury insurance

Progressive is also one of very few companies that offers pet injury insurance in its RV coverage. If you get in an accident, not only will your human family be insured for any injuries, but Progressive will also support your four-legged friend’s vet bills.

Points to consider

Buggy app

Progressive’s app has 3.4 stars in the Apple App Store and has the same functions as most other providers’ apps: You can report a claim, pay your bills, view your policy, get in touch with an agent, and request roadside assistance. However, out of over 600 current ratings, many users complain that the app is buggy and isn’t easy to use. If mobile access is important to you, Progressive may make a stressful process even more frustrating.

Limited availability

If you live in Hawaii or Washington, D.C., Progressive can’t help you when it comes to RV insurance. Additionally, Massachusetts residents don’t have access to travel trailer coverage options.

How to Find the Right RV Insurance Provider for You

Decide on preferred coverage

Basic coverage — which is required by law — offers you protection for personal injuries and damages to the vehicle, but it won’t cover extras like your belongings inside. If you live in your RV full-time, it might also be a good idea to invest in additional protection that covers your housing expenses or RV replacement costs. Before shopping around, draw up a list of necessary coverage options and make sure they’re offered by your prospective provider.

Choose your premium and deductible

Before selecting your plan, decide on your payment structure. You can choose low deductibles, in which case your monthly premiums will be higher. If you choose high deductibles, your monthly premiums will be lower, but you’ll also pay more out-of-pocket if there’s an accident.

Know your RV’s class

The scope and price of your policy will differ depending on what kind of RV you own. In general, there are three overall “classes” of RVs universally covered by RV insurance providers:

• Class A motorhomes: Luxury drivable motorhomes, like the Jayco Allante, Newell Coach, and American Coach Eagle. They’re the most expensive to insure due to their large size and generous amenities.
• Class B motorhomes: Also known as camper vans, these RVs are smaller and have fewer amenities, though they’re large enough to accommodate two to four people. Examples include the Roadtrek E-Trek, Phoenix Cruiser 2350, and Coach House Platinum II. Class B models are typically the cheapest to insure.
• Class C motorhomes: These models are notable for the protruding sleeping compartment over the driver’s cab, and they can normally accommodate over four people. Examples include the Coachmen Freelander, Jayco Redhawk, and the Nexus Phantom. Class C RVs are usually cheaper to insure than Class A but more expensive than Class B RVs.

Check the eligibility of specialized RVs

If you have a towable RV, it’s likely covered by your car’s auto insurance. However, if your towable is eligible for RV insurance and you want more protection against thefts or accidents, you can add on more extensive coverage. In addition, if you plan on living in your RV for most of the year, you’ll want to invest in full-time RV insurance.

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