4 Best RV Insurance Companies of 2024

Recreational vehicles (RVs) offer a fantastic way to explore the country and enjoy family vacations. Over 10 million Americans own an RV, and more than 1 million use it as their primary residence. RVs provide unmatched flexibility and freedom, whether for occasional road trips or a fully nomadic lifestyle.

However, purchasing an RV is a significant investment, often costing tens or hundreds of thousands of dollars. To protect this asset, RV insurance is essential, covering risks such as weather damage, road accidents, vandalism, and more. This guide highlights four of the best RV insurance companies, helping you find the coverage you need to safeguard your investment.

Company	Best for
Roamly	Customized coverage
Good Sam	Coverage
National General	Customer care
Progressive	Discounts & forgiveness

4 best RV insurance companies

Many companies offer RV insurance coverage, including major insurers and niche companies that focus solely on RVs. We looked at a number of the options above to help you find the best RV insurers. Here are our four best RV insurance reviews.

Best for customized coverage: Roamly
Best for coverage: Good Sam
Best for customer care: National General
Best for discounts and forgiveness: Progressive

Roamly

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Best for customized coverage

Support from licensed agents to find personalized coverage
Get an online quote in just 60 seconds
Maintain coverage even if you rent out your RV

Why it’s one of the best

Roamly covers all RVs, including DIY and uplifted Class Bs and camper vans. It highlights its ability to offer meaningful savings opportunities compared to traditional RV insurance companies (up to 35%, according to its website).

Roamly’s coverage is unique because it offers policyholders coverage even if they rent out their RV and the option to find a policy through other carriers if they decide Roamly isn’t the best fit.

Standard coverages

Collision and comprehensive
Liability coverage
Medical payments
Uninsured/underinsured motorist
Roadside assistance

Premium coverages

Vacation liability
Personal effects protection

Discounts

Military
If you rent your RV through Outdoorsy
If you’re a homeowner
If you’ve had continuous RV or auto insurance for the past 6 months
If you can start your Roamly policy within the next 7 days

Good Sam

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Best for coverage

Full replacement coverage
Personal belongings coverage up to $3,000
Storage discount can reduce premium by 53%

Why it’s one of the best

Good Sam Insurance Agency offers a wide variety of auto insurance products, including RV insurance. With RV insurance from Good Sam, customers have access to several standard coverages and unique premium protections.

Coverage is available for Class A motorhomes, Class B motorhomes, Class C motorhomes, Airstreams, fifth-wheel trailers, truck campers, travel trailers, and more.

Standard coverages

Collision
Comprehensive
Uninsured and underinsured motorist protection
Personal liability
Property damage liability
Bodily injury liability
Personal injury protection

Premium coverages

Optional full replacement cost
Full-timers
Emergency expense
Personal effects

Discounts

Multi-vehicle discount: Up to 20% for combining RV and auto into one policy.
Paid-in-full discount: Reduce your premium when you purchase your annual coverage with one payment.
Multi-policy discount: Up to 10% when you insure your home or condo with Good Sam.
Storage discount: Suspend certain coverages when you aren’t using your RV. You can save an average of 53% off your premium.

National General

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Best for customer care

Full replacement coverage
Personal belongings coverage up to $3,000
Multi-vehicle discount up to 20%

Why it’s one of the best

National General offers home, health, and auto insurance, which includes RV insurance. The company offers a variety of coverages that go beyond the basics. National General stands out through its support for its customers.

You can request a quote, and if you’re not ready to finalize your application, you can return later and retrieve your saved quote. Coverage is available for Class A motorhomes, Class B motorhomes, Class C motorhomes, Airstreams, travel trailers, fifth-wheel trailers, and others.

Coverage options

Specialized equipment
Full replacement cost
Mechanical breakdown
Permanent attachment
Full-timers
Emergency peace of mind

How National General takes care of its customers

Search assistance: National General will connect you with a research expert who will help you locate a new RV after a total loss.
No charge for new parts: In a collision, National General will replace depreciated parts with new ones.
24-hour claims reporting: Report a claim anytime and anywhere.
Theft reward: If your RV is stolen, the company will offer a $500 reward for information leading to the conviction of the responsible.
Pick up and drop off: If your RV becomes damaged, National General will pick up your RV and bring you a rental car after a claim. Once repairs are completed, someone will deliver your RV back to you and return your rental car.
Free inspection: After a claim is repaired, you’ll get a free inspection.
Storage savings: If you suspend your coverage while your RV is parked, you can earn considerable savings.
Several discounts: Customers have the opportunity to take advantage of multi-vehicle and low mileage discounts.

Progressive

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Best for discounts and forgiveness

Full replacement coverage
Accident coverage up to $500,000
Multi-policy discount

Why it’s one of the best

Progressive offers RV insurance to residents of every state except for Hawaii and Washington, D.C. Progressive’s user-friendly website makes RV insurance policies easy to understand.

Aside from the standard coverage, several add-ons can be included in your policy for added financial protection. Make sure to check out the 10 discounts and three forgiveness opportunities offered to help you lower the cost of your policy.

Coverage is available for Class A motorhomes, Class B motorhomes, Class C motorhomes, cargo & horse trailers, conventional trailers, fifth-wheel trailers, pop-up, truck, and utility trailers.

Coverage options

Comprehensive
Collision
Liability
Uninsured and underinsured motorist
Medical payments

Extra coverages

Roadside assistance
Total loss replacement
Replacement cost/personal belongings
Vacation liability
Full-timer’s liability
Loss assessment
Emergency expense
Pet injury

Discounts and forgiveness

Multi-policy: Bundle RV insurance with another policy.
Quote in advance: Get a Progressive RV insurance quote at least one day before your actual policy starts.
Original owner: Be the original owner of your motorhome.
Pay in full: Pay your policy upfront and in full.
Responsible driver: Have no accidents or violations in the past three years.
Prompt payment: Make your payment on time.
Claim free renewal: No at-fault claims when your policy renews.
Homeowners: Own a home, including a condo, townhouse, duplex, single- or double-wide.
Continuous insurance: Get rewarded for the time you spent with your previous insurer.
Paperless: Receive your documents via email.
Small accident forgiveness: Your rate won’t increase if you have a claim of $500 or less.
Large accident forgiveness: Once you’ve been a Progressive RV insurance customer for at least four years and accident-free for the past three years, your rate will not go up for any accident.
Disappearing deductibles: Progressive subtracts 25% from your deductible amount for every claim-free period all the way down to $0.

How much does RV insurance cost?

You might spend between $1,000 and $1,500 annually on RV insurance. However, rates vary based on several factors, including the vehicle’s value and the owner’s location.

For instance, if you live in an area prone to extreme weather conditions, such as hurricanes or blizzards, your insurance premiums will likely be higher due to the increased risk of damage to your RV. Residents of mild climates with good driving histories might pay lower insurance costs.

Many insurers offer discounts that can help reduce your policy cost. Taking steps such as installing anti-theft devices or completing safety courses can make you eligible for these discounts, leading to further savings on your RV insurance.

Factors that affect the cost of RV insurance

All the following can raise or lower your insurance premium:

Where you live
Value of your RV
Your driving record
The type of coverage you choose
Your deductible
Your credit scores
Discounts you qualify for
How often you use your RV

Average cost of RV insurance

How to get the best RV insurance rates

Securing the best RV insurance rates involves a combination of research, comparison, and strategic actions. Here are tips to help you find the most competitive rates.

Shop around and compare quotes

Obtain quotes from multiple insurance providers to compare rates and coverage options. Use online comparison tools to simplify the process and ensure you get a comprehensive market view.

Bundle policies

Many insurance companies offer discounts if you bundle your RV insurance with other policies, such as home or auto insurance. This can result in significant savings.

Maintain a good driving record

A clean driving record with no accidents or traffic violations can help you secure lower insurance premiums. Insurance companies view safe drivers as lower risk.

Increase your deductible

Opting for a higher deductible can lower your premium. However, ensure you choose a deductible amount you can comfortably afford in case of a claim.

Take advantage of discounts

Look for available discounts for safe driving, installing safety devices (e.g., anti-theft devices or GPS trackers), completing RV safety courses, or joining an RV association.

Pay annually

Some insurers offer a discount if you pay your premium annually instead of monthly. Check whether this option is available and, if so, whether it offers substantial savings.

Consider the RV’s usage

If you only use your RV seasonally, you may qualify for a lower rate. Inform your insurer about your RV’s usage to explore potential discounts.

Evaluate your coverage needs

Evaluate your actual coverage needs to ensure you’re not overinsured. Avoid paying for unnecessary add-ons or coverage levels that exceed your requirements.

Improve your credit score

A good credit score can influence your insurance rates. Maintain good financial habits to improve your credit score over time, potentially reducing your premiums.

Consult an insurance agent

An insurance agent can provide personalized advice and help you navigate different policy options to find the best rate tailored to your needs.

By following these tips and staying proactive in your search, you can secure the best possible rates for your RV insurance, ensuring you have the necessary coverage without overpaying.

What does RV insurance cover?

RV insurance policies can vary, but there’s what a typical policy covers.

Coverage

Bodily injury: Pays for the costs incurred if you hurt someone while driving your RV.
Property damage: Covers the cost of damages you cause while driving your RV.
Collision: Pays for damage to your RV caused by road accidents, regardless of fault.
Comprehensive: Pays for all non-collision damage caused to your RV.
Uninsured motorist: Protects you from damage caused by drivers who have insufficient or no insurance to cover the damage they cause.
Medical payments: Covers medical bills for yourself and your passengers if you get in an accident.

You might also choose to add specific coverages to your policy.

Optional add-ons

Roadside assistance: Call someone to help if your RV breaks down and needs to be repaired.
Towing and labor: Covers the cost of towing your RV to a garage and getting it fixed.
Vacation liability: Pays for damages caused to your RV while you’re using it as a temporary home.
Replacement cost coverage and personal effects: Pays to replace the RV and anything you keep in it.
Trailer coverage: Insures trailers and anything you keep on them while they’re attached to your RV.

Is RV insurance required in my state?

FAQ

How do I know if I need RV insurance?

If you don’t own an RV, you won’t need RV insurance. Not every RV owner needs a full-time RV policy either. If you only use your RV for occasional trips, you might opt for a policy that covers single trips or rely on your current auto insurance policies.

However, if you use your RV often for long road trips or live in it for extended periods, we recommend having a dedicated RV insurance policy. RV insurance is essential for comprehensive coverage and peace of mind for those who live in their RV full-time.

Can’t I just add RV coverage to my auto insurance policy?

Yes, it’s possible to add RV coverage to your auto insurance policy. This might be cost-effective if you only use your RV for a couple of weeks each year.

However, we recommend dedicated RV insurance if you use your RV more. Full RV insurance offers more comprehensive protection tailored to RV owners, covering personal belongings and other RV-related costs regular auto insurance might not.

What does RV insurance not cover?

RV insurance doesn’t cover everything. Most policies don’t include coverage for trailers, so you may need to add this separately.

Pet injury coverage is not typically included by default, so consider adding it if you travel with pets. Always read the fine print and discuss any desired add-ons with your insurance agent to ensure you have the necessary coverage.

How much RV insurance do I need?

The amount of RV insurance you need depends on the level of risk you’re willing to take and how often you use your RV. If you only use your RV a few times a year and have substantial savings, minimal coverage might suffice.

However, if you live in your RV full-time and lack the funds to replace it if damaged, consider getting comprehensive coverage. Assess your risk tolerance and financial situation to determine the appropriate level of insurance.

What are the different RV classes?

Knowing your RV’s class is essential for obtaining the right insurance. Here’s a breakdown:

Class A: These motorhomes resemble buses, built on commercial truck or bus chassis, and often include slideouts for additional space.
Class B: These are built on conventional van chassis and must have built-ins such as a sink, shower, refrigerator, and more to qualify.
Class C: These are built on a truck chassis with a cab section based on a van or truck, often featuring rigid, weatherproof outer structures.
Other types: Include truck campers, pop-up campers, travel trailers, fifth-wheel trailers, and other less common types.

For specific class insurance, check out the guides below:

How does RV insurance work when renting?

If you already have homeowners or auto insurance, you might have partial coverage when renting an RV. However, review your policy closely. It may be safer to buy RV insurance from the rental company, though the rates can be high. To save money, consider purchasing RV rental coverage online in advance.

What do I need to know if I live in my RV full-time?

If you live in your RV full-time, ensure you have full-time RV insurance. Also, secure adequate personal property coverage in case of theft or damage. This might require itemizing your belongings and obtaining enough coverage.

Consider emergency expenses coverage to cover hotel and food costs if your RV needs repairs and you can’t live in it temporarily. Learn more in our guide to full-time RV insurance.

Recap of the best motorhome insurance

Company	Best for
Roamly	Customized coverage
Good Sam	Coverage
National General	Customer care
Progressive	Discounts & forgiveness