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.

The 7 Best RV Insurance Providers

Best Customer Support
State Farm
State Farm
Excellent claims satisfaction, but lacking universal discounts.
Pros
Exceptional claims satisfaction
Trailer coverage
Basic app
Cons
No universal discounts listed

Why we chose it

Exceptional claims satisfaction

State Farm boasts one of the highest scores in J.D. Power’s Customer Claims Satisfaction rating among our top picks (4/5). 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 3.2-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.

Best Discounts
Nationwide
Nationwide
Plenty of discounts to bring premium costs down.
Pros
Generous discounts
Coverage for accessorized RVs
Cons
Mediocre app
Limited availability

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, safe driving, not filing any claims in the previous insurance period, and 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, it currently has a low 2.2-star rating on the Apple App Store. 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.

Best Travel Trailer Coverage
Farmers
Farmers
A slew of add-ons, exceptional travel trailer coverage, and a great app to boot.
Pros
Many coverage add-ons
Easy-to-use app
Travel trailer and fifth wheel trailer coverage
Cons
Variable discounts

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 1,000 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.

Best Coverage for Accessorized RVs
Safeco
Safeco
Accessory protection, plus physical damage coverage options for traveling through Mexico.
Pros
Coverage for accessories and additional equipment
Long coverage periods
Coverage outside the U.S.
Cons
Iffy app

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 3,000 ratings in the Apple App Store, 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 and freezes, which frustrated customers enough that they deleted the app and simply 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.

Best Mobile App
Allstate
Allstate
Easy claims processing and rare discounts.
Pros
Claims process
Mobile app
Rare discounts
Cons
No full-timer coverage

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 114,000 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 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.

Best for Low Deductibles
Progressive
Progressive
Rare coverage in Mexico and options for lowering deductibles over time.
Pros
Discounts on deductibles
Coverage in Mexico
Pet injury insurance
Cons
Buggy app
Limited availability

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 3.3 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 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.

RV Insurance FAQ

Why do I need RV insurance?

RV insurance isn’t the same thing as auto insurance, though many providers give you the option to bundle the two. But RVs have specialized concerns. To start, they can carry many more people than cars, and they cost more to repair. In addition to basic coverage, RV insurance can also offer more extensive protection, with coverage for personal belongings, emergency expenses for lodging, and higher damage rates.

What does RV insurance cover?

You can expect every provider to offer, at minimum, the following types of basic coverage:

  • Liability: Pays for the other person if an accident was your fault
  • Personal Injury Protection (PIP): Covers medical treatment of you and your passengers, regardless of who is at fault in an accident. Only available in states with “no-fault” laws
  • Collision: Covers physical damage to RV from collisions
  • Uninsured/Underinsured Motorist (UM/UIM): Covers you if the other person in the accident hits you and doesn’t have insurance
  • Comprehensive: Covers damages resulting from causes other than collisions (glass breakage, animals, theft, vandalism, fire, etc.)
What kinds of additional RV insurance coverage do I need?

On top of basic coverage, every provider offers a range of optional add-ons to cater to your specific RV usage habits and concerns. A few of the most common optional add-ons you can expect to find are:

  • Full-Timer: Combines auto and home insurance for people who live in their RVs full-time. Tends to be significantly pricier, since it’s a combination of homeowner and auto insurance
  • Full Replacement: Will compensate you if your RV is wrecked or stolen. May offer you the depreciated value of your RV or the original purchase price
  • Emergency Allowance: Covers immediate needs like food, shelter, and transportation with an emergency allowance if you reside in your RV full-time and it breaks down
  • Storage: Covers your RV when it’s in storage
  • Personal Belongings: Commonly covers personal belongings up to $5,000 total
  • Vacation Liability: Offers more generous coverage for injuries and vehicle damage at vacation site
  • Attached Items: Insures satellite dishes, retractable canopies, wheelchair lifts, and any large built-in items that aren’t covered under personal belongings insurance

The Best RV Insurance Providers: Summed Up

J.D. Power Claims Satisfaction score
A.M. Best financial strength rating
S&P Global rating
Moody's rating
Full-timer coverage
State Farm
Best Customer Support
3/5
A++
AA-
Aa1
Nationwide
Best Discounts
3/5
A+
A++
A1
Farmers
Best Travel Trailer Coverage
3/5
A
A
A2
Safeco
Best Coverage for Accessorized RVs
3/5
A
A-
A2
Allstate
Best Mobile App
3/5
A+
A
Aa3
Progressive
Best for Low Deductibles
3/5
A
A
A2