Reviews Report
- Progressive is widely cited as the best overall RV insurer in 2025 for its breadth of RV-specific coverages and nationwide availability, while National General (an Allstate company) and Foremost are top choices for full-time use and specialty/older rigs, respectively (Forbes Advisor; NerdWallet).
- The best RV insurance companies now commonly offer personal effects coverage, full-timer’s liability, vacation liability, emergency expense coverage, RV-specific roadside assistance, roof protection endorsements, and coverage for custom parts and equipment (Progressive; GEICO).
- For retirees and seasonal users who value bundling and local-agent service, State Farm and Nationwide are strong picks; full-time RVers should look closely at National General’s full‑timer options (Forbes Advisor; NerdWallet; National General).
Owning an RV means experiencing life on the road or vacation trips across the country. However, like standard cars, RVs still need insurance. Requirements depend on how your rig is classified and used: liability coverage is generally required for motorhomes on public roads, while towable RVs may rely on the towing vehicle’s auto policy for liability but typically need a separate policy for the trailer’s physical damage. RV insurance costs have generally trended higher since 2021 due to parts and repair‑cost inflation, so comparing quotes and discounts matters more than ever (Insurance Information Institute; BLS CPI). RV insurance and car insurance are two different things, and if you own both, you will need two separate policies to be adequately covered.
To find the best RV insurance companies, we looked at RV coverage depth (e.g., full‑timer’s liability, vacation liability, emergency expense, personal effects, total loss replacement), availability and agent support, discounts/pricing, financial strength, and current customer satisfaction context. We referenced RV‑specific coverages, AM Best’s rating guidance (AM Best), and the latest J.D. Power U.S. Auto Insurance Study to compare RV insurance companies and help drivers find the best RV insurance rates.
The 5 Best RV Insurance Companies
- Progressive: Best overall RV insurance
- National General (an Allstate company): Best RV insurance for full-time RVers
- Foremost: Best RV insurance for specialty vehicles and older rigs
- State Farm: Best RV insurance for bundling and local-agent service
- Nationwide: Best RV insurance for one-carrier convenience
Compare the Best RV Insurance Companies
| Reviews.com Score Score is based on company’s customer experience, financial stability, and coverage options. | J.D. Power Customer Satisfaction* J.D. Power scores are based on surveys for customer satisfaction and product quality. | AM Best Rating 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. | ||
|---|---|---|---|---|
| Pin American Family | 4.8 | 839 | A | |
| Pin Progressive | 4.4 | 830 | A+ | |
| Pin National General | 4 | 803 | A+ | |
| Pin The Hartford | 4.2 | 834 | A+ | |
| Pin Good Sam | 3.5 | N/A | N/A |
Information accurate as of November 2025
*J.D. Power 2025 U.S. Auto Insurance Study average rating across all regions. Based on a 1,000-point scale.
Why we chose it
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Best for Retired RVers
Why we chose it
Why we chose it
Pros
- Repair referral available
- Disappearing deductible coverage
- Accident forgiveness
Cons
- Only for RVers 50 and over
- Not many coverage options
- Few discounts
Add-on Coverage
- Lifetime repairs
- New RV replacement with no depreciation
Discounts
- Multi-policy
- AARP membership
- Driver safety course
More The Hartford Insurance Reviews
Why we chose it
Pros
Cons
*J.D. Power 2025 U.S. Auto Insurance Study average rating across all regions. Based on a 1,000-point scale.
What Is RV Insurance?
Just as auto insurance is legally required in most states in the U.S., recreational vehicle (RV) insurance is also required for RV owners to legally operate a vehicle. RV insurance costs tend to be a bit higher than car insurance costs, primarily because of the total worth of the vehicle. Liability coverage is generally required for motorhomes; towable RVs often rely on the tow vehicle’s auto policy for liability but need their own policy for physical damage. Since repair and parts inflation pushed premiums higher in recent years, shopping and optimizing discounts are key (Insurance Information Institute; BLS CPI). However, there are a number of insurers who offer it, and it is possible to find low-cost RV insurance by comparing quotes from multiple providers or leveraging discounts.
Finding the best RV insurance is similar in many ways to finding the best car insurance. It will require comparing quotes for your coverage requirements, which may include collision and comprehensive coverage, as well as uninsured motorist coverage, and taking into account customer service ratings and policy management options. Given elevated price sensitivity, shopping and switching remain higher than pre‑2022 norms, making quote comparisons even more important (J.D. Power Insurance Shopping Study).
RV insurance may also include Personal injury protection (PIP) or medical payments coverage, depending on whether or not your state requires it, or based on your own level of personal preference. Vacation liability, which is optional, offers financial protection if an accident happens when the RV is being used as a residence. People who live in their RV full time may also need more comprehensive supplemental coverage through a full‑timer’s package (similar to homeowners liability), higher personal effects limits, emergency expense coverage, and coverage for custom parts and equipment (Progressive).
What Does RV Insurance Cover?
Although an RV is a cross between a vehicle and a house, RV insurance looks more like auto insurance than homeowner insurance. Your RV insurance coverage will need to include all the required insurance for the state in which the vehicle is registered. This will include liability coverage, and possibly more — such as PIP or uninsured motorist coverage. Full‑time RVers should ask about full‑timer’s packages that add homeowners‑like liability when the RV is your primary residence.
A licensed insurance agent can go over optional coverages and help you customize your policy to suit your situation. If your RV is separate from your towing vehicle, you may need two separate policies for each vehicle. Be sure your usage classification (recreational, full‑time, or rental) is accurate to avoid gaps.
Some policies offer a reduced coverage option for when the RV is garaged. For example, if you travel only during the summer months, you may be able to save significantly by switching to lower-cost storage or lay‑up coverage during the winter (National General).
If you live full-time in your RV, you may need coverage that looks a little more like homeowners insurance. The best RV insurance companies will likely have coverage that provides protection for the home systems in your RV, such as water and electrical systems, plus a full‑timer’s package with personal liability and medical payments to others (State Farm or Progressive).
Other optional coverages available from your insurer may include coverage for attached accessories such as awnings or satellite dishes, and campsite coverage. You may also want to investigate additional coverage if you routinely travel outside the U.S. Some carriers offer RV‑specific endorsements like roof protection and pet injury, and if you plan to rent out your RV, you’ll need owner coverage that permits rentals or coordinated platform coverage to avoid exclusions (Progressive; Roamly).
What RV insurance doesn’t cover
A basic RV insurance policy — with no add-ons, or endorsements — will not always cover things like roadside assistance or safety glass replacement. Wear and tear, maintenance, and many roof/seam leak issues are typically excluded unless you add an endorsement. It may not offer replacement cost coverage, which pays out on claims without considering depreciation. It also typically will not provide vacation liability, which is protection for the premises when the RV is being used as a residence. Standard personal RV policies usually exclude commercial/rental use unless specifically endorsed, so owners who rent should secure purpose‑built coverage (Progressive; Roamly).
Your RV policy may not cover alterations and customizations you’ve made on your RV, and you will also need to talk to an agent if your RV formerly was used for another purpose — for example, if you bought a used school bus and renovated it to be used as a mobile residence. Many insurers handle upgrades under Custom Parts & Equipment (CPE) coverage and may require documentation (receipts/photos/appraisals), especially for conversions (insuring converted vans).
How to File an RV Insurance Claim
- To start an RV insurance claim, you will typically first need to take pictures of any and all damage related to the collision or event. If a police report is filed, obtain a copy, and save any other paperwork related to the event to provide to your insurer if necessary.
- Contact your RV insurance company as soon as possible with all relevant information. The more information you can supply, the easier it will be for the insurer to process the claim and reimburse you for repairs and replacements. Many carriers now support digital first notice of loss and photo estimating via app or web portal to accelerate simple damage reviews (CCC Crash Course), but if not, claims are commonly handled over the phone, or online through the insurer’s website.
- Next, a claims representative will be assigned to your case and will serve as your point of contact during the claims process. A damage inspection may be scheduled or an appointment at a recommended repair shop will be made. Some claims may begin with a virtual appraisal before directing you to an RV‑capable shop.
- Once the claim is approved, the insurance company will either pay the repair shop directly or write a check to you in order to pay the bill. If personal belongings were damaged in the incident, a check or direct deposit into your bank account may be provided, up to policy limits, to replace the items.
RV Insurance FAQ
Methodology
We evaluated RV insurance companies based on discounts, coverage, online resources, financial strength and customer satisfaction to determine Reviews.com scores and create our best RV insurance reviews. To compare car insurance companies with other providers across the board, we calculate each Reviews.com score based on the following:
- Discounts: Auto insurance companies that advertised more discounts received higher scores in our methodology.
- Financial Stability: Reviews.com utilized AM Best ratings to assign a score based on each car insurance company’s financial stability.
- Customer Satisfaction: J.D. Power ranks car insurance companies by customer satisfaction, so we used its 2025 U.S. Auto Insurance Study to compare the average rating of insurers across all regions.
- Coverage: Car insurance companies were awarded higher scores for advertised coverages beyond the body liability, property liability, collision and personal injury protection — including RV‑specific options like full‑timer’s liability, vacation liability, emergency expense, personal effects, total loss replacement, RV‑tailored roadside assistance, and roof protection endorsements (learn more).
- Online Resources: We reviewed the digital resources of each car insurance company and awarded higher scores to insurers with mobile claim estimates, digital insurance cards, and more (for example, electronic proof of insurance and strong mobile/web experiences per J.D. Power’s Digital Experience Study).
