GEICO RV Insurance Review

J.D. Power Overall Satisfaction Ranking	879 / 1,000
A.M. Best Rating	A++
Customer Service	Available via app, phone, email, Twitter, and mail
Discounts Available	Yes

See how Geico stacks up against top-rated RV insurance

Compare RV Insurance

RVs come with serious perks. From a more flexible lifestyle to significantly cheaper travel costs, the reasons for investing in a recreational vehicle are numerous. In fact, according to a study from the CBRE Hotels Advisory Group, vacationing with an RV can save you anywhere from 21% to 64% depending on how many people are in your party.

But RV ownership isn’t all fun and games—it also comes with a significant amount of responsibility. Namely, you’ll need to maintain RV insurance, which is different from standard auto insurance or homeowners insurance.

Fortunately, the market is rife with insurance companies that offer RV coverage, and there are dozens of options from which to choose. Use this guide to see if GEICO RV insurance could be the policy you need for your recreational vehicle.

In this review:

Coverage options through GEICO RV Insurance
Pros and cons of GEICO RV Insurance
Who’s eligible to get GEICO RV Insurance?
How to apply for a GEICO RV Insurance quote
Where to find alternatives to GEICO motorhome insurance

Coverage options through GEICO RV Insurance

GEICO RV insurance offers a wide variety of coverage options and several discounts. Notably, the company does not offer coverage for permanent attachment or specialized equipment, nor does it have any sort of roadside assistance or mechanical breakdown coverage. There are also no discounts for when your RV is in storage.

Here’s a full list of GEICO’s RV insurance coverages:

Total loss replacement in the event your vehicle is totaled in the first four model years
Personal effects replacement up to $100,000
Liability for bodily injury and property damage that occurs on vacation
Emergency expenses, including hotel and transportation if your RV is out of commission
Windshield repair and replacement
Medical payments for accident-related injuries

GEICO is generally known for its lower insurance rates, as well as its easy-to-reach customer service representatives. Policyholders can use an app, email, website, phone, or mail to ask a question or file a claim.

Pros and cons of GEICO RV Insurance

Based on customer reviews, there are advantages and disadvantages to using GEICO for your RV insurance policy. Here are just a few:

Pros

Easy, app-based claims reporting
24-7 customer service available online, via mobile app, and on the phone
Several discounts available (see above table)
Low insurance rates

Cons

The company has low customer ratings on Consumer Affairs (less than 3 out of 5 stars)
Not available in Hawaii, North Carolina, Michigan, or Massachusetts
No coverage for roadside assistance, permanent attachments, or specialized equipment
Doesn’t cover all types of RVs (more information below)
Six-month insurance policies, rather than one-year

It is important that you ultimately make your decision based upon the specifics of your situation and what plan works best for you.

Who’s eligible to get GEICO RV Insurance?

GEICO RV insurance is available for Class A, B, and C motorhomes, as well as travel trailers. This includes conventional travel trailers, fifth-wheel trailers, truck campers, and folding campers. The only RV classes GEICO does not cover are bus conversions, toterhomes, or vehicles valued at over $500,000.

While drivers with a commercial driver’s license can qualify for a special discount, this license is not necessary to sign up for an RV insurance policy with GEICO.

How to apply for a GEICO RV Insurance quote

GEICO has an online application process. You’ll need to answer questions about your RV, the drivers you want to be insured, and your driving record, so be sure to have your driver’s license and other information on hand.

You’ll also need to know how old your RV is, as well as its class, make, model, length, and purchase price. Be ready for questions about your intended use of the vehicle, too. You’ll need to provide your reasons for using the RV and the number of days you drive it.

Where to find alternatives to GEICO motorhome insurance

Your RV insurance will be one of the largest costs you’ll face as the owner of a recreational vehicle. It’s also one of the most important related decisions you’ll make—especially if you choose to live in your RV full-time and need full-time RV insurance.

To make sure you get the best possible coverage and price, you’ll want to get plans and quotes from at least three different insurance companies before making a selection.

Need help getting started? Our guide to the best RV insurance providers can help.