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Progressive RV Insurance Review: Pros and Cons

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RV insurance is a critical component of RV ownership, whether you travel frequently or only a few times every year. All insurance companies offer different coverage options, and some even go through third parties to provide everything you need because they can’t underwrite the policies in-house.

Progressive offers RV insurance policies at a reasonable price, but you may find some of the other aspects of their service a bit lacking. If you already have Progressive auto insurance, it may be worth it for the multiple vehicle discounts. Otherwise, think hard about whether you want these insurance policies for your recreational vehicle.

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Coverage and Benefits

Progressive offers a couple of different insurance plans, but because they tailor their plans for auto coverage, you’ll find more of what you need in the RV specific coverage rather than the basic or full coverage plans. However, if those are the options you decide to choose, Progressive will still cover your recreational vehicle.

Basic coverage

Basic coverage includes the things you’ll typically find in an auto plan like liability insurance, bodily injury, and property damage. This is the minimum you can get without adding any special features like collision, uninsured or underinsured options, and comprehensive coverage.

Full coverage

Progressive’s full coverage plans include everything in the basic plan, but you can add a number of other emergency event coverage options to make you feel more confident in the insurance you have.

You can choose from comprehensive, collision, uninsured/underinsured bodily injury, uninsured/underinsured motorist property damage, and medical payments.

Many people will choose to add comprehensive and collision onto their basic plan, but you can mix and match any coverage you want to suit your needs. They also have extra services like rental car reimbursement and roadside assistance.

RV-specific coverage

Progressive’s recreational vehicle coverage is similar to their auto coverage. They have comprehensive, collision, and liability for your RV in case it gets damaged in a natural disaster or accident. However, it goes further.

Extra coverage options are tailored to travelers and come in handy for those who are on the road away from home. These options help to protect the exterior of your RV plus passengers and property on the inside.

You can choose from roadside assistance, total loss replacement, personal effects, vacation liability, and pet injury coverage.

These options are comparable to Good Sam, but not all options are standard like Good Sam offers, making it tough to know what to choose to compare pricing. For instance, while Good Sam offers roadside assistance standard, Progressive does not.

Covered RVs

Even though Progressive doesn’t offer some of their features standard, they still cover a wide range of recreational vehicles, so no matter what type of RV you need to have insured, they’ll likely offer options. On par with Good Sam, they offer coverage for travel trailers, horse trailers, Class A, B, and C motorhomes, fifth-wheels, pop-up campers, utility trailers, and truck campers.

Progressive makes it easy to get a free quote for any of these RVs online. Just enter the type of coverage you need along with your zip code, and it will generate some numbers for you.

Cost and Discounts

Even though Progressive doesn’t offer a lot of their features standard, they do still have ways for you to save a bit of money. They offer several discounts, but it’s also important to know what you might pay if you don’t qualify for a discount.

Progressive RV insurance starts out at just $125 per year, but what you’ll find is that it doesn’t include most of the things you’ll need. It’s really only for the basic coverage that won’t do a lot for your travel trailer.

It’s nearly impossible to estimate the cost of your coverage because it depends on so many different factors like make, model, age, and RV class. Your driving history will also make a difference in your rates.

As with most insurance companies, your zip code will also affect your rates because it’s more difficult to insure vehicles in certain areas. You also need to consider where you plan to travel and whether or not they’ll cover you in those places.

As a rough estimate, you can expect to pay anywhere from $2000-4000 per year to insure your RV.

Ways to get discounts

Like many other insurance companies, you can get a pretty big discount for bundling your home, auto, and RV insurance. They’ll also give you a discount for a clean driving record free of tickets or accidents.

However, Progressive offers some pretty cool incentives that you won’t find in other places. For instance, they will give you a discount simply for being the original RV owners of the travel trailer.

You can get a discount just for asking for a free quote. If you get a free quote online at least a day in advance of signing up, they’ll give you a discount for that.

You may also be able to get a discount if you pay for the entire year in full, upfront. Paying for your bill on time every month will also afford you a discount. Just remember that if you’re ever late on your payment, they may take that discount away.

If you stick with Progressive for long enough to renew your policy for a second year, and you spent your entire previous year without a claim, you’ll get a discount on your policy going forward.

Other ways to get discounts include being a homeowner, having homeowner insurance prior to signing up with Progressive, or going paperless.

Every discount is different, and you may qualify for more than one. These are great ways to lower your rate and get a better deal on your RV insurance.

Customer Support

It’s important that if something happens, you have RV insurance companies on your side who is there to help you, walk you through the claim process, and take care of you in your time of need. Being in an accident or having something happen to your RV is stressful enough.

Luckily, Progressive offers 24/7 customer support, and their representatives are available anytime. That may give you a bit of peace of mind, but unfortunately, for a lot of people, their experience didn’t live up to their expectations.

Some Progressive clients report that their customer support throughout the claims process was outstanding and that filing a claim was easy, fast, and straightforward. They were treated with respect, and the representative they spoke with was understanding and friendly.

However, others reported that Progressive fell far short of where they thought they should be. Some customers report that they offer poor customer service with claims help wasn’t what they needed, the person they talked to was unprofessional, and their representatives were not knowledgeable about the coverage or policies.

The expression “one bad apple spoils the bunch” fits well here because no one should be having a bad experience when it comes to needing to file a claim. Unless there’s nearly 100% satisfaction, it’s hard to trust an RV insurance company to cover your most valuable assets.

Other Offers

Above and beyond discounts, Progressive also offers other ways that their RV policies will work for you. You can get small accident forgiveness that won’t raise your rates as long as your claim is under $500.

Large accident forgiveness will do the same thing for you, but you have to be a customer for at least four years and be claim-free for at least three. With this offer, your rates won’t increase, no matter how much your claim is.

Disappearing deductibles are available through a lot of insurance providers. Progressive will reduce your deductible by 25% every year you go without a claim. After four years without a claim, you’ll have a $0 deductible, no matter what kind of claim you have to file.

With these offers, it’s important to remember that your insurance rates will likely rise every year, much like your auto or home insurance. But they should protect you from skyrocketing rates due to an accident.

Alternatives

There are a lot of companies that offer RV insurance. Progressive isn’t the only one with good deals, but it depends on what you’re looking for. Here are some other companies you may want to consider when shopping around.

Good Sam is known far and wide for their incredible incentives for RVers. They offer plenty of things like discounts on campgrounds, partner programs with fueling stations, roadside assistance plans, and insurance for your RV.

One of the cool things about the insurance coverage Good Sam insurance agency offers is that they will insure your RV and your towing vehicle under the same policy. The benefit to this is that if you’re ever in an accident, you file one claim and pay one deductible for both vehicles.

If you’re looking into RVing more seriously, give Good Sam a shout. Not only do they have awesome plans, but their customer service is incredible. The only downside to Good Sam is that they’re a specialty company and tend to charge a bit more.

Companies like Farmers are household names. State Farm and Nationwide also come to mind here. They’ve been offering insurance for decades and have really great options for home and auto.

What you might not know is that they also offer RV insurance. Farmers, in particular, is a company that prides itself on excellent customer service. They’re very easy to work with, and your local agent’s office should be able to get you very accurate information on pricing and coverage.

The only downside is that their RV insurance is underwritten by a third party. However, you can manage your policy and file your claims directly through your Farmers agent, despite the fact that it’s underwritten by someone else.

National General

This is a company that many people have never heard of, but they’ve been around since 1960. They offer a wide variety of coverage options for many different RVs. They will also cover you whether you RV full-time or just do it occasionally.

You can get coverage for specialized equipment, personal belongings, add-ons, and full replacement cost. They also offer discounts for those who complete RV driving classes. With search assistance, they’ll help you find your RV if it’s been stolen.

However, the coolest thing they do is allow you to suspend your coverage while your RV is in storage, without a penalty. Just beware that if anything happened to your RV while it was in storage, you wouldn’t be able to file a claim.

If you’re looking for the best RV insurance policy for you, these frequently asked questions may help you make a better decision.

Do you need insurance on an RV?

Your car insurance will not cover your RV. If you plan to travel in an RV and you want it to be covered, it needs its own separate insurance policy. Most, if not all, states require your RV to be insured before they will register it, and without this registration, it is not street legal.

Is RV insurance cheaper than car insurance?

Insurance for RVs is generally a bit less expensive than for a car. Despite the fact that an RV is larger than a vehicle, insurance companies have determined that their risk is much less, so they will insure it for cheaper.

Does RV insurance cover water damage?

RV insurance does not necessarily ensure water damage by itself. While you may be able to obtain insurance for water, fire, or hail damage, you’ll want to check with your provider to see what’s covered or what you’re able to add on.

Final Thoughts

When shopping around for RV insurance, make sure you choose a company that will offer what you need. There are a lot of companies that offer RV insurance coverage, and they all do it differently. From coverage options to discounts and cost to customer service, it’s important you do your research.

Progressive is a great option for those who already have Progressive policies and are familiar with the company. If you’ve been with Progressive for a long time and enjoy working with them, don’t switch on account of your RV.

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Hitting the open road and going on wonderful adventures with your RV is a great way to explore the country but what happens when something goes wrong?

You no doubt have home insurance to cover unforeseen circumstances in the future so does it not make sense to insure your RV as well?

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Gather any group of RVers, whether in an online forum or around a campfire in a campground, and often the conversation will turn to RV insurance. Why? Because an RV is an investment and having the right insurance is important – and complicated. Why is RV insurance so confusing?

One reason for the confusion is that there are so many individual factors that affect the type of coverage you need for your RV. Is your rig drivable or towable? What level of coverage is required by your state or residence? How often do you use it and where do you prefer to park it? Do you own your RV outright or are you still making payments? Answering these questions is just the beginning of determining what type of insurance you need.

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Progressive rv insurance review 2023: are they worth it.

Bill Widmer
Updated: June 12, 2023

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Insurance coverage & benefits: 3/5, customer support: 2/5, additional offers: 4/5, progressive rv insurance contact information.

Final Thoughts

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Progressive RV Insurance Overall Rating: 3.5/5

While Progressive is a household name when it comes to insuring your vehicle, you may not know that they can also protect your RV or travel trailer. When comparing RV insurance companies like Progressive and Good Sam , you need to know what they offer and why they’re better—or worse—than the competition.

Progressive may not offer you the best extended warranty on your RV, but they do have plenty of discounts. When you need policy answers, Progressive answers insurance questions. However, customer service can be hit or miss in terms of knowledge and professionalism.

If you’re looking for an insurance company with plenty of options, discounts, and offers, you want Progressive RV insurance. Let’s look at how this company can help you save.

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Progressive offers a range of coverage types, from auto and home to RV insurance–but how do they compare to other more specific RV insurance companies like Good Sam? Do they offer the same coverage?

Basic Coverage

Because Progressive focuses mainly on auto coverage, they tailor their basic coverage to vehicles.

Their basic coverage includes liability insurance, including bodily injury and property damage. That’s the minimum you can get with their insurance package, without any add-ons or special features.

If you’re looking for something more, you’ll need their full coverage options, which include:

Comprehensive
Uninsured/underinsured bodily injury
Uninsured/underinsured motorist property damage
Medical payments

While many people choose comprehensive and collision, if you want coverage beyond liability, you can select whichever options suit your needs. They also offer extras, from roadside assistance to rental car reimbursement.

RV Specific Coverage

When you look at what Progressive offers in terms of RV-specific coverage, it’s much the same as their vehicle insurance packages. You get comprehensive, collision, and liability to help if your RV gets damaged in an accident or natural disaster, but Progressive’s RV options go even further.

Their extra coverage options allow you to protect not only your RV’s exterior but its passengers and your belongings on the inside, too. Some of their additional coverage options include:

Roadside assistance
Total loss replacement
Personal effects
Vacation liability
Pet injury coverage

Their policy options are on par with insurers like Good Sam, though some of their options should come standard. For example, unlike Good Sam and other RV specialty insurers, Progressive doesn’t offer standard roadside assistance, which may be a deal-breaker for some RV owners.

Whether you think Progressive is right for you will depend in part on what you deem necessary protection for your RV, as well as what you’re willing to spend.

RVs Covered

Despite its lack of certain standard features, Progressive covers a broader range of recreational vehicle types than other insurers. They’re also on par with Good Sam, a specialty RV insurer.

Their RV coverage extends to your:

Travel trailer
Horse trailer
Class A, B, or C motorhome
Fifth-wheel, pop-up, and utility trailers
Truck campers

No matter what kind of recreational vehicle you own, with Progressive, you’re covered. You can even go to the Progressive insurance website and get a free quote on your RV insurance. All you have to do is enter the type of coverage you want—in this case, RV/Trailer—and enter your zip code.

Progressive RV Insurance Costs & Discounts: 5/5

If the idea that many features don’t come standard with Progressive RV insurance scares you, they offer ways to reduce your costs. After all, you don’t want to think about filing a claim, but if you do, you want to know your rates won’t skyrocket.

What does Progressive offer for discounts? And what might you pay for your policy without them?

Initial Costs

Their RV insurance starts at $125 per year, though most people pay more. That’s with their basic insurance policy, and it doesn’t cover your travel trailer .

The cost of your coverage depends on the age, make, model, and class of your RV. Your driving history also factors in, just as it would with vehicle insurance.

Your zip code affects your insurance costs , too. Some states have higher rates than others. You have to think about where you plan to travel, and whether your policy will cover you in those places.

If you live in an area with high insurance rates—or even if you don’t—Progressive has some ways you can save on your policy.

Multi-policy: Bundle auto, home, and other types of insurance to lower your rate
Quote in advance: Remember how you can get a free quote? If you do that at least one day before you sign up with them, you can lower your rate.
Original owner: If you’re the original owner of your travel trailer or recreational vehicle, you can get a discount just for that.
Pay in full: While some people prefer to pay monthly for their policy, Progressive gives you a discount if you pay it all upfront.
Responsible driver: If you haven’t had any speeding, parking, or other violations, and haven’t been in any accidents, you qualify for a responsible driver discount.
Prompt payment: All you have to do to get this discount is to pay your bill on time.
Claim free renewal: This discount kicks in only when you renew your policy. If you haven’t filed a claim where you were at fault over the past year, you’ll get a discount.
Homeowners: You can get a discount on your RV insurance if you own your home.
Continuous insurance: If you had insurance before you sign up, they’ll give you a discount.
Paperless: If you choose to receive paperless statements and other information, you can get a lower rate.

The extent of each discount varies. For example, a responsible driver discount may amount to more than a paperless discount. Still, if you can lower your rate, you’re on your way to getting more value for your dollar.

If you need to file a claim on your RV, your insurance company should be available to talk to you about questions, trouble with your bill, or other policy problems. How does Progressive’s customer support measure up against other companies like Good Sam?

24/7 Service

If you hit the road early and get in an accident, don’t worry. Like many modern companies, Progressive’s customer support representatives are available to speak with you 24 hours a day, 7 days a week.

However, while 24/7 service is great, the quality matters. What do Progressive clients have to say about their customer support experiences?

What Clients Like

According to ConsumerAffairs reviews , many customers found customer support “outstanding.” Others named specific customer service personnel who made filing their claim quick and straightforward.

Many customers felt that they were treated respectfully and that the person they spoke with was friendly and understanding.

What Clients Dislike

While there were several positive reviews, there were just as many negative ones across review platforms like ConsumerAffairs, Wallet Hub, and Credit Karma. Many people said customer support didn’t help them when they tried to file their claim. Others said the person they spoke to was unprofessional and not knowledgeable about the policies.

Some customers were surprised at how bad the customer service was, especially since Progressive is a household name. Others found their experience to be so disappointing that they intended to switch providers.

We found that more people had negative customer support experiences than positive ones.

Besides their discounts, they have other offers that may make their RV policies work better for you.

Small Accident Forgiveness

Small accident forgiveness takes effect as soon as you sign up for coverage. With this offer, if you have a claim under $500, they won’t increase your rates.

Large Accident Forgiveness

Large accident forgiveness takes effect after you’ve been with the company for a few years. You must be a customer for at least four years and have no at-fault claims for at least three years.

Once you qualify for large accident forgiveness, you won’t have to worry about skyrocketing rates after you make a claim, even if it’s over $500.

Disappearing Deductibles

The disappearing deductibles are one of Progressive’s most attractive offers. If you go a certain amount of time without filing a claim, the company lowers your deductible by 25%.

The only problem with these offers is that many customers say their rates go up, even if they haven’t gotten into an accident or filed a claim.

If Progressive RV insurance sounds ideal for your recreational vehicle, camper, or travel trailer, you can contact them in four easy ways:

Phone: 1-888-671-4405
Email: On the insurance website , log in and select the subject of your email. Then, provide details related to your question in the form.
Chat: On this page , select the Start Chat button, and you’ll be connected with a customer support representative.
Social Media: You can find them on Facebook, Twitter, Instagram, YouTube, and LifeLanes.

Final Thoughts

If you’re looking for an RV insurance policy that gives you plenty of ways to save, try Progressive. They offer lots of discounts, and they insure all types of RVs, from your travel trailer to your motorhome.

When you’re on the road, it’s important to make sure you and your family are safe. Contact Progressive for more information on their RV coverage policies.

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Progressive RV insurance – Progressive Insurance for Travel Trailer

Table of Contents

Let’s post about Progressive’s camper insurance plan’s expenses, protection, and customer support today so that you can make informed choices.

What is progressive RV insurance?

Progressive RV or Travel Trailer insurance is an agreement between you and your insurance company that protects your motorhome, travel trailer, camper, fifth wheel, etc. Progressive RV insurance allows the client to get comprehensive, collision, and liability coverage to help if the client’s RV is damaged in an accident or natural disaster.

While Progressive is popular when it comes to protecting your car, you may not realize that your RV or travel trailer can also be covered. It would help if you understood what they offer and why they are better or worse than competitors when evaluating RV insurance companies like Progressive and Good Sam.

Progressive does not offer the most significant extended guarantee on your RV, but it offers plenty of discounts. Progressive addresses insurance concerns whenever you need policy answers. In terms of awareness and expertise, customer service can be hit or skipped.

You would like Progressive RV insurance if you are looking for an insurance company with many optimizations, promotions, and deals. Let’s look at how Thiatowzation can help support you.

Coverage & Advantages of Insurance:

Progressive provides several forms of coverage, from car and home coverage to RV insurance. So, how do they compete with other similar RV insurance providers, such as Good Sam? Do they offer the same protection?

Basic Coverage

They adapt their basic insurance to automobiles because Progressive focuses primarily on auto protection.

Their basic insurance requires protection against liability, including personal injuries and property harm. This is the least you can receive for their insurance plan, even without add-ons or exclusive offers.

If you’ve beenyou’vehing for something, even more, you’ll needyou’ll choices for complete coverage, including:

Comprehensive
Uninsured/under-insured motorist property damage
Medical payments
Uninsured/under-insured bodily injury

Although many individuals prefer full and accident, you can choose whatever choices match your needs if you really want coverage outside liability. From roadside assistance to car rental reimbursement, they also provide extras.

RV Specific Coverage

It’s about It’ssame as their car insurance policies once you check what Progressive provides in terms of RV-specific insurance. If your RV gets destroyed in a crash or natural catastrophe, you get detailed, impact, and obligation to help, but ProgressiveProgressive’s go much further.

Their additional coverage feature allows you to secure the outside of your RV and its travelers and the inside of your possessions. Some of their extra options for protection involve

Personal effects
Roadside assistance
Pet injury coverage
Total loss replacement
Vacation liability

Their insurance offerings are on track with insurers such as Good Sam, but a few of their alternatives should be expected. Progressive does not provide regular roadside assistance for starters, unlike Good Sam and other RV specialist insurers, which could be an agreement for some RV owners.

If you think Progressive is appropriate for you and what you’re willyou’re pay, I will rely in part on what you consider necessary security for your RV.

Progressive offers a wider variety of recreational vehicle models than most companies, despite the omission of certain standard functions. They’re stiThey’rear with Nice Sam, an insurer with specialist RVs.

The RV coverage includes:

Horse trailer
Travel trailer
Fifth-wheel, pop-up, and utility trailers
Truck campers
Class A, B, or Cmotorhomee

With Progressimotorhometer what type of recreational vehicle you have, you’re protyou’re You can also go to the Radical insurer’s winsurer’sd get a free assessment of your RV insurance. All you need to do is select the coverage form you need, RV/Trailer in this case, and input your zip code.

Costs & Discounts for Progressive RV Insurance:

If you are scared that certain features do not come free with Progressive RV policies, they provide options to minimize the rates. You wouldn’t wawouldn’trry about applying for a claim at all, but you want to know that the prices will not spike if you are doing.

How Much Does Travel Trailer Insurance Cost? Travel trailer insurance costs from $250 to $600 in the US. For example, Progressive travel trailer insurance Via USAA is $300, and Progressive Good Sam’s InsurSam’sis $376 per year with a $250/$500 deductible. The average premium for a 12-month RV insurance policy at Progressive in 2021 was $509 for a travel trailer and $850 for a motorhome.

What discountmotorhomeogressive offer? And without them, what would you choose for your plan?

What are Initial Costs?

The RVs insurance starts at $125 annually, but most individuals pay higher. That’s theiThat’sle insurance scheme, and your transport trailer does not protect it.

The expense of your protection depends on your age, bRVs, style, and class. As in auto insurance, your driving background also matters.

Yomattersode also impacts your insurance expenses. Some states have more than others. It would help you where you want to go and whether you’re going to those areas by your insurance.

Progressiv, it would help to have several options. You could save on your premium if you live in a city with higher insurance premiums, even if you don’t.

Multdon’ticy

To lower the premium, package car, house, and other forms of coverage.

Advance Quote

Do you know how to get a quotation for free? You will lower the payment if you do so at least one day before registering with them.

Initial User

You could get a discount only like that, whether you’re the you’real owner of your travel trailer or recreational vehicle.

Pay in Full

While some people choose to pay for their program annually, Progressive offers a discount if they pay it all upfront.

Responsible Driver

You qualify for a responsible driver discount if you haven’t hadhaven’tpeeding, parking, or other penalties and have never been in any incidents.

Prompt Payment

Setting up your bill on time is all you have to do to get this discount.

Claim Free Renewal

Only after you change your agreement can this discount kick in. You’ll get You’llount if you haven’t filhaven’twsuit that you’ve beenyou’veult for the last year.

Buying a home will give you a deal on your RV insurance.

Continuous Policies

If you have a policy before you register, a discount would be offered to you.

You will get a cheaper rate if you want to get digital statements and other results.

The size of each concession differs. A prudent driver discount, for instance, will equate more than a paperless offer. Still, you’re on lowering your fee will help you getfor your dollar if you can s upport:

Your insurance agency should be able to discuss issues, concerns with your bill, or other compliance concerns if you need to claim your RV. How does Progressive’s consumer service stack against many businesses like Good Sam?

Support 24/7

Do not panic if you hit the streets early and get into an accident. ProgressivePProgressiveProgressive service is available to talk through you two days a week, seven days a week, like several other modern businesses.

Nevertheless, though 24/7 service is fantastic, the quality counts. What do Radical customers have to tell about their encounters with customer service?

What Does a Client Like?

According to ConsumerAffairs feedback, many consumers considered “excellent” customers “are—some named individual customer service workers who made it fast and simple to file a lawsuit.

Many clients thought they were treated fairly and that the individual with whom they spoke was polite and compassionate.

What Does a Client Dislike?

Although there were many favorable reviews on rating sites such as ConsumerAffairs, Credit Karma, and WalletHub, there were almost many negative comments. When they wanted to file their claim, several individuals claimed customer service didn’t helpdidn’t Others have said the individual to whom they talked was unprofessional and not conscious of the protocols.

Some clients, mainly because Progressive is a huge star, were shocked at just how bad the customer support was. Others found their journey to be so stressful that they decided to move vendors.

We noticed that more individuals have unfavorable encounters with customer service than positive ones.

Other offers:

In addition to their promotions, they have some other deals that can make their RV policies perform better for you.

Small Accident Forgiveness

Forgiveness for minor injuries occurs as soon as the injury is for benefits arrives. For this deal, they’re not lifting if you have a statement under $500.

Forgiveness of Major Accident

Once you’ve been in business for a few years, significant injury reimbursement takes place. For at least four years, you would be a client to make no at-fault lawsuits for at least three years.

Once you apply for gross injury forgiveness, you won’t have won’tink about exorbitant prices after filing a report, even though it’s above it’s.

Disappearing Deductibles

One of Progressive’s most enticing deals is the vanishing deductibles. When you go without filing a lawsuit for a certain period of time, the company cuts the deduction by 25 percent.

The only problem with these deals is that, even though they have not been in an accident or filed a lawsuit, consumers often complain their premiums go up.

Contact Information for Radical RV Insurance

You should approach them in four simple ways if Progressive RV insurance sounds perfect for your recreational vehicle or travel trailer:

1-888-671-4405

Sign in and pick the title of your email on the insurance website. Then, submit the form with information relevant to your query.

Choose the Start Chat button on this page, and you will be linked to a customer service representative.

Social Media

You can locate them on Facebook, Twitter, Instagram, YouTube, LifeLanes, etc..

Try Progressive if you’re looking for an RV insurance package that offers you many opportunities to save. They offer many, and they cover everything from your family car to your travel trailer. It is worth ensuring your family is safe while you’re in your RV; for more details on their RV coverage plans, email Progressive.

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Jason Martin

Jason Martin is an experienced and knowledgeable professional in the insurance industry, with over 26 years of relevant knowledge under his belt. After completing his Bachelor's degree in Mathematics, Jason got Actuary Insurance Certification in 2005. From 2022., Jason writes educational insurance articles for Promtinsurance.com. Please read : Jason Martin biography Write email: [email protected]

Progressive RV Insurance

When reviewing Progressive RV insurance, we rated the company 9.1 out of 10.0 stars for their superior coverage options, low costs, and great customer service ratings.

Key Takeaways:

Rates from Progressive can start as low as $125 per year for basic liability coverage (excludes travel trailers).
Progressive offers 11 discounts including original owner, claim-free and advance quote discounts.
The company offers a range of coverage options like full-time liability, roadside assistance and roof protection coverage.

For most people needing coverage on a recreational vehicle (RV), two factors matter the most: coverage and cost. In our industry-wide study, we at the Guides Auto Team found that Progressive RV insurance offers a compelling combination of both.

Our reviewers took an in-depth look at Progressive to see how its camper coverage compares to the best RV insurance providers on the market. As it turns out, Progressive RV insurance outscored all other options and won our Editor’s Choice award.

Why You Can Trust The MarketWatch Guides Team

The MarketWatch Guides Team is committed to providing reliable information to help you make the best decision possible about insuring your vehicle. Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. After 800 hours of research, the end result was an overall rating for each provider, with the insurers that scored the most points topping the list.

Learn more about our methodology and editorial guidelines .

Progressive RV Insurance Review

We give Progressive 9.1 out of 10.0 stars and name it the best RV insurer in the United States. Progressive scored well across all categories, but it particularly excels with its many coverage options and wide selection of discounts.

Progressive RV Insurance Pros and Cons

Progressive rv insurance ratings.

Below are our ratings for Progressive RV insurance:

* Ratings are determined by our editorial review team. Learn more about our scoring methodology below.

What Makes Progressive RV Insurance Stand Out?

There are a few elements that really stood out about Progressive RV insurance to our reviews team:

Accident forgiveness programs : Progressive offers accident forgiveness for both small claims and larger claims if drivers spend a certain period of time without getting involved in an accident. This incentivizes RVers to follow responsible behaviors while on the road.
Variety of discounts : Progressive offers one of the largest selections of discounts among the providers in our study, including several that you won’t find elsewhere.
Roof protection available : The roof of an RV is one of the most common places for problems to occur, but it’s often excluded from coverage. Progressive offers an add-on called Roof Protection Plus ® that will cover damage to your camper’s roof.

Progressive RV Insurance Cost

The average Progressive RV insurance policy stood at $502 annually for towable RVs and $848 per year for motorhomes in 2020, according to the company’s website. The cheapest RV insurance from Progressive starts as low as $125 per year for basic liability coverage (excluding travel trailers).

Our research places the industry-wide average cost of RV insurance at around $1,500 per year. There’s a huge range when it comes to the cost of camper insurance, however. Expect to pay a different rate than the numbers above based on various factors about you and your RV.

What Factors Affect RV Insurance Costs?

Insurance premiums change so much because there are several variables used to calculate rates. Here are some of the key factors that can affect your Progressive RV insurance premium:

Driving history : Whether you tow or drive an RV, your driving record is a factor because you’ll be taking the camper on the road when moving it from place to place.
RV value : The more expensive your camper is, the pricier it likely will be to insure. That’s because your provider would have to give a higher payout after a total loss.
Type of RV : The type of camper that you own also plays a role. Travel trailer insurance, for example, is typically cheaper than motorhome insurance.
Usage : The amount of time you spend in your RV will also play a role in your premiums. Some insurers offer lower rates if you store your vehicle most of the time, and full-time RVers will almost always pay more for coverage.
RV driving experience : Towing or operating an RV takes skills beyond those needed to drive a standard vehicle. As a result, insurers may adjust your rates based on how much experience you have piloting an RV and not just driving a car.
Location : Different state regulations and the risk factors within those states mean that you’ll see different rates depending on where you and your RV call home.
Credit score : All but a few states allow insurers to use your credit score as a factor in calculating your insurance rates, with lower scores leading to pricier coverage.
Coverage types : Your types of coverage and the limits you set will greatly influence the overall cost of your Progressive RV insurance policy.

Progressive RV Insurance Discounts

Progressive has one of the larger selections of discounts on RV coverage among the providers in our study. The company’s discounts include:

Claim-free renewal discount : Renew after having no at-fault claims
Continuous insurance discount : Start a policy with no lapse in coverage after leaving your previous provider
Homeowners discount : For those who don’t live full-time in their RVs
Multi-policy discount : Progressive is one of a few insurers that allows you to bundle RV coverage with other policies such as auto, life or renters insurance
Original owner discount : If you’re the first and only owner of your camper, you can get a discount if your policy includes collision and comprehensive coverage
Paperless discount : Receive your bills and other correspondence digitally
Pay in full discount : Pay upfront rather than through monthly payments
Prompt payment discount : Make all of your Progressive RV insurance payments on time
Quote in advance discount : Get a quote from Progressive more than a day before your policy starts
Responsible driver discount : If you haven’t had any auto accidents or traffic violations in the last three years
Disappearing deductible : Covering an increasing portion of your deductible each year you go without a claim, this can eventually bring your RV deductible down to zero

Progressive RV Insurance Coverage

Once you satisfy any minimum coverage requirements from your state’s department of motor vehicles (DMV), you can build out your Progressive RV insurance policy in nearly any way. The company offers standard personal liability and property coverage as well as add-ons designed especially for campers.

Standard RV Insurance Coverage Types

The standard RV policy options you’ll find from Progressive are pretty much the same as those for auto insurance. They include the following:

Bodily injury liability coverage : Covers medical expenses, lost wages and other injury-related costs for other parties involved in an accident that you caused.
Property damage liability insurance : Covers physical damage to other vehicles and property in an accident for which you’re found to be at fault.
Collision coverage : Covers damages to your camper from a covered accident, regardless of who caused it.
Comprehensive coverage : Covers damages to your RV from nonaccident sources such as fires, instances of vandalism and severe weather events.
Uninsured motorist/underinsured motorist : Covers your medical expenses and property damages if an at-fault driver doesn’t have sufficient insurance to pay for them.
Medical payments (MedPay) : Covers your and your parties’ medical costs but not lost wages following an accident, no matter whose actions led to it.

Progressive RV Coverage Add-Ons

One of the main reasons Progressive won our Editor’s Choice award in our RV insurance study is that the company has an immense selection of useful policy add-ons. These can help cover some of the other costs and risks associated with RVing and include:

Emergency expense coverage : Covers food costs, lodging and other travel expenses if your RV breaks down while you’re on the road.
Full-timer’s liability : Covers liability claims against your RV while it is stationary if you use it as your permanent residence, similar to how homeowners insurance works.
Loss assessment : Covers fees assessed by your RV association, such as collective input for community repairs following a storm.
Pest damage protection : Covers potential damages to your camper caused by rodents, insects and other pests.
Pet injury coverage : Covers medical expenses for your pets if they’re injured in a covered loss involving your RV.
Replacement cost and personal effects : Covers the full replacement cost of personal belongings that get damaged, destroyed or stolen in a covered loss.
Roadside assistance : Covers towing, flat-tire repairs, fuel delivery and other emergency roadside services in the event of a breakdown.
Roof Protection Plus : Covers damage to your RV’s roof, including malfunctioning equipment and wear and tear, after you pay a $250 deductible.
Vacation liability : Covers liability claims against your camper while it’s parked when you are away from home.

Total Loss Replacement Coverage

Progressive also offers total loss replacement coverage, a system which uses nonstandard methods to value your camper after a total loss. The default for most policies is known as actual cash value coverage, which bases payments on the value of your RV at the time of the loss.

Total loss replacement coverage, on the other hand, pays out the purchase price of an RV of the same model year or later with the same trim level. This amount is likely to be far greater than whatever an actual cash value policy would pay out.

Progressive offers this coverage for RVs that are less than five years old. Coverage for older models will follow an agreed value policy, which means that the payout is based on an amount that you and Progressive both agree to.

Progressive RV Insurance Benefits

Progressive offers a few perks to its RV policyholders. These include:

Small accident forgiveness : Progressive includes this program, which means that your rates won’t go up after an RV claim of less than $500.
Large accident forgiveness : If you’ve been a Progressive customer for four or more years and have been accident-free for at least three, your rates won’t increase following a covered accident.

RV Types Covered by Progressive

While Progressive does have limits on the value of the campers it covers, the company will insure almost any type of RV. In general, camper styles break down into either towables or motorhomes.

What Is a Towable RV?

A towable RV is, as you might expect, an RV that can’t be driven on its own and requires a towing vehicle to pull it. The main types of towables include:

Travel trailers : The most common type of RV, there’s a tremendous range among travel trailers in terms of trim, features and amenities.
Teardrop trailers : Named for their shape, these campers are relatively affordable and come with a surprising number of amenities.
Pop-up campers : While they are full-sized campers when stationary, these RVs pack down to be more aerodynamic for easier towing.
Toy haulers : These trailers feature storage space for surfboards, skis, fishing equipment and other outdoor recreational items.
Fifth-wheel trailers : Named for the special trailer hitch that’s used to tow them, fifth-wheelers are typically the largest RVs of the towable category and can pack in an extremely wide range of features.
Cargo and horse trailers : Progressive also offers coverage for trailers that carry horses and various personal belongings.

What Is an RV Motorhome?

Also called self-propelled RVs, motorhome campers are built onto the chassis of a car, truck or bus and can be driven on their own. There are three main types of drivable RVs:

Class A motorhomes : These models are the largest of the drivable category and typically have a broad range of features and amenities.
Class B motorhomes : While the name may suggest otherwise, these RVs are the smallest of the drivable group. They’re often called camper vans because they are built atop a cargo or passenger van chassis.
Class C motorhomes : These motorhomes are a little smaller and more maneuverable than Class A RVs, but offer more space and features than most Class B RVs.

Progressive Customer Reviews

There are very few reviews online for Progressive RV insurance or for camper coverage from other companies. However, how Progressive treats its customers with one insurance product can provide insights into how it treats those with other coverage types.

Among customers on the BBB, Progressive has an average rating of just 1.1 out of 5.0 stars . This is a low score, but it’s relatively average compared to other major insurers. People tend to report issues to the BBB, so they’re unlikely to give positive ratings when they’re there.

Positive feedback for Progressive tended to mention an efficient claims process and excellent experiences with customer service. When customers left negative reviews for Progressive, they centered largely around communications issues, particularly with the company’s adjusters.

Our team reached out for comment on these Progressive insurance reviews but has yet to receive a response.

Do You Need RV Insurance?

If you have any type of a motorhome, you’ll need RV insurance that at least meets your state’s minimum insurance requirements. Unless your RV association, neighborhood or lender requires it, you are typically not required to have insurance on a towable RV or a trailer.

Given the cost to purchase a camper and the large number of potential risks, it’s usually worthwhile to get coverage for either a towable RV or a motorhome.

Possible Sources of RV Damage

Owners have a lot of potential issues to consider when it comes to protecting their RVs. Motorhomes and trailer campers often combine the risks faced by automobiles and homes. Here are some of the most common sources of damage to an RV:

Severe weather : Campers are always at risk of damage from extreme weather events like tornadoes, floods and hurricanes.
Leaks : It’s normal for seals around windows and roof components to come loose over time in an RV. When that happens, water can get in and damage your model’s interior. Fixtures such as faucets and toilets can also leak, causing water damage.
Traffic accidents : Crashes are one of the most common ways for RVs to get damaged.
Trees : Branches and entire trees falling down pose great risks for RVers, especially those who spend a lot of time camped out in wooded areas.
Theft : Although it isn’t common, RV theft does happen. Even an attempted theft can significantly damage a camper.

RV Traffic Accident Statistics

Bar graph depicting a rising number of traffic accidents year-over-year

Statistics from the National Highway Traffic Safety Administration (NHTSA) show that the number of traffic accidents has been on the rise in recent years, so the risk of an accident for you and your RV is also on the rise. Although the most recent NHTSA report indicates that the number of accidents decreased in 2020, these numbers coincide with a dramatic drop in vehicular traffic during that year. Since this is a statistical outlier, we removed it from our analysis.

Motorhomes are legally required to carry an adequate level of liability coverage. If you leave protection off of your towable model, you’ll run the risk of having your RV severely damaged without any insurance coverage to cover potential repairs or replacement.

RV Fire Statistics

Infographic showing annual RV fire-damage statics, including injuries, deaths and property damages, from 2018 through 2020

Fires are another common cause of loss for RV owners. Data from the Federal Emergency Management Agency (FEMA) shows that there were an average of 4,200 RV fires across the U.S. per year between 2018 and 2020. Across that time period, RV fires resulted in an average of 15 deaths and 125 injuries annually.

The study also found that fires in RVs typically cause sizable amounts of property damage. Annual property damages from camper fires totalled more than $60 million across the country, with each fire leading to an average damage cost of $15,350.

Progressive RV Insurance: Conclusion

Progressive provides just about everything an RVer could want in terms of coverage, and it also comes with plenty of discount opportunities. These factors and the company’s reputation were enough to earn Progressive our Editor’s Choice award for RV insurance.

Progressive RV Insurance: Recommended Alternatives

While our team recommends Progressive RV insurance, it’s always good practice to shop around. Getting multiple RV insurance quotes allows you to compare the range of costs of RV insurance and coverage plans to see which provider suits your needs.

State Farm: Best for Local Service

State Farm offers the country’s largest network of insurance agents, claiming to have more than 19,000 representatives across the U.S. That means you’ll likely be close to in-person service whenever and wherever you may need it. State Farm offers a roadside assistance package for many RVs for added support while you’re away from home.

Keep reading: State Farm RV insurance review

Allstate: Good Coverage Selection

If options are what you’re looking for in a travel trailer policy, Allstate is a great place to look. The company offers a wide range of helpful policy add-ons like emergency expenses coverage. Allstate also includes pet coverage and the repair or replacement of your tow bar as standard pieces of every policy.

Keep reading: Allstate RV insurance review

Progressive RV Insurance: FAQ

Below are some frequently asked questions about Progressive RV insurance plans.

Does Progressive RV insurance cover rodent damage?

Progressive RV insurance covers rodent damage if you add pest protection coverage to your policy. Pest protection also covers damage from other intruders such as insects and birds. Not all RVs are eligible for this coverage plan, however.

Is RV insurance cheaper than regular insurance?

Your RV insurance could be cheaper than regular auto insurance depending on the type of RV that you have and other variables. Coverage for most towable RVs other than fifth-wheel trailers, for example, can easily be cheaper than car insurance.

What insurance is best for full-time RVers?

Nationwide earned the award of Top Choice for Full-Timers in our industry-wide RV insurance study. Our team found that the company offers quality full-time RV insurance and an ideal lineup of coverage options for people who use their RVs as their primary residence.

What does comprehensive insurance cover on an RV?

Just as with an auto policy, comprehensive insurance on an RV covers unintentional damages that can occur while your motorhome or truck camper is parked. For example, a comprehensive RV insurance policy would cover damage from falling trees, fires, vandalism or flooding.

How We Rated Progressive RV Insurance

Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best RV insurance companies. We collected data on dozens of camper insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, and the insurers that scored the most points top our list.

Here are the factors our ratings take into account:

Reputation : Our research team considered market share, ratings from industry experts and years in business when giving this score.
Availability : Recreational vehicle insurance companies with greater state-by-state availability and few eligibility requirements scored highest in this category.
Coverage : RVers can benefit from a wide variety of specialized coverage options. We evaluated companies based on the amount and diversity of coverage add-ons they offer for camper insurance.
Cost : As RV insurance costs are highly variable, our research team mainly considered the availability of policy discounts.
Customer Experience : Our research team took into account companies’ industry reputations with organizations such as the Better Business Bureau (BBB) as well as the ease and availability of in-person, over-the-phone and online services.

*Data accurate at time of publication.

If you have feedback or questions about this article, please email the MarketWatch Guides team at editors@marketwatchguides. com .

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To that end, you should know that many advertisers pay us a fee if you purchase products after clicking links or calling phone numbers on our website.

The following companies are our partners in RV Insurance: National General , Good Sam , RVInsurance.com , and Roamly .

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For example, when company ranking is subjective (meaning two companies are very close) our advertising partners may be ranked higher. If you have any specific questions while considering which product or service you may buy, feel free to reach out to us anytime.

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RV Insurance
Good Sam vs. Progressive

Compare Good Sam vs. Progressive RV Insurance

Specialty RV Coverage - Save up to $530 Per Year

96% overall customer satisfaction rating
Total-loss replacement for motorhomes and travel trailers
Specialized coverage for full timers or first-time weekend RV'ers
RV storage option allows you to save even more by turning off coverage when your RV is not in use!
Progressive Insurance - Trusted by Over 18,000,000
Competitive rates, tons of discounts (safe driver, pay-in-full, multi-car, multi-policy, quoting online & more)
Name your price Tool ®
Comprehensive List of RV Covered Items
Roadside Assistance Included
Recreational Vehicles, Trailers & Fifth Wheels

OVERALL RATINGS

Progressive and Good Sam RV insurance consistently received high rates across the board.

They both provide recreational and full-time RV insurance, varied RV insurance coverage, and ample discounts.

However, the items they cover and the type of discounts they offer, significantly differ.

Thus, to choose one over the other comes down to your priorities and special circumstances.

If you are unsure which would provide the best coverage and price for you, Good Sam might be a good option, because, as an agent, it gives you access to quotes from various insurance companies, including Progressive.

Coverage & Benefits Differences

Basic coverage, rv specific coverage.

Total Loss Replacement
RV Roadside Assistance
Belongings & Personal Effects
Permanent Attachments
Emergency Expense Allowance
Mexico Insurance
Vacation Liability
Hitch Coverage

RV's Covered

Conventional Trailer
Fifth Wheel Trailer
Pop-up Tent Trailer
Mounted Truck Camper
Toy Hauler & Horse Trailer
Cargo/Utility & Single Horse Trailer

Cost & Discounts Compared

How is their customer support.

Online Claim Reporting
Claim Tracking
24/7 US-based Support

Contact & Additional Information

Final verdict.

Good Sam RV Insurance has a higher overall rating than Progressive RV Insurance. Good Sam scores better than Progressive across: Coverage & Benefits, Customer Support, and Cost.

Customer Comments & Reviews

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Cover your motorhome or travel trailer with RV insurance — here are the 4 best companies

Rv insurance is a smart move to protect your travel trailer or motorhome..

If you’re planning to hit the road with an RV this summer , you’ll want to make sure you have the right insurance for your motorhome, trailer or camper.

The type of insurance required for your RV will largely depend on the type. Motorhomes, or RVs that can drive independently of another vehicle (Think: Class A, B and C motorhomes ), generally require their own policy. A travel trailer — or a trailer towed behind another vehicle — may be covered under a part of your auto insurance policy, specifically your car’s liability insurance , but having additional coverage could be a smart move.

As is the case for car insurance , motorhome insurance requirements also vary by state. Most states require at least liability insurance for motorhomes. But liability coverage only covers damages you cause to others, generally in the form of both property damage and injuries. Having insurance that goes beyond liability coverage — including comprehensive and collision coverage — could help to repair or replace your motorhome if something happens to it. It also may be required if you have a loan on your RV.

CNBC Select compared dozens of RV insurance companies to help determine the best companies for your camper, motorhome, fifth-wheel or pop-up camper. Here are the four best insurance companies to consider when shopping for RV coverage.

Best RV insurance companies

Best for bundling: Geico
Best for versatility: Progressive
Best for motorhomes: Allstate
Best for travel trailers: Nationwide

Best for bundling

Geico rv insurance.

The best way to estimate your costs is to request a quote

Policy highlights

Geico offers two different policies, an enhanced motorized RV policy and towable RV insurance to meet your specific RV's needs. It covers a wide variety of motorhomes and travel trailers, including Class A, B and C motorhomes, conventional travel trailers and fifth-wheel travel trailers, to name a few.

App available

Online quotes are available
Enhanced RV coverage isn't available in HI, MA, MI and NC.

Geico is one of CNBC Select’s top choices for auto insurance coverage for its high financial strength and customer satisfaction scores, so it makes sense that it’s also a strong competitor in the RV space. Covering a wide variety of RVs, including both motorhomes and trailer-style RVs, Geico’s coverage can work for a wide variety of RV owners. And, pairing your RV’s coverage with your car insurance coverage could be a good way to save, as Geico offers a discount for insuring more than one vehicle.

Best for versatility

Progressive rv insurance.

Progressive's RV insurance is a good fit for a number of vehicle and trailer-style recreational vehicles, including fifth-wheel, pop-ups, truck campers and Class A, B and C motorhomes. It also offers a large number of discounts for customers to save on their RV coverage.

Coverage for full-time RV living is available
Online quotes available
Relatively high NAIC complaint index

Progressive is a strong contender for its wide variety of RVs covered and its large number of discounts available. For full-time RV life, Progressive’s coverage could be an especially strong option, as the company will work with those who live out of their RV for more than six months out of the year. (It’s important to note that if you’re living in your RV for more than this time frame with part-time coverage and need to file a claim, your claim could be denied.) Whether you call your RV home or park it in your home’s driveway, Progressive’s coverage could be a strong option.

Best for motorhomes

Allstate rv insurance.

Allstate's RV insurance encompasses many RV types, and includes special coverage for Airstream travel trailers while also covering truck campers, pop-up campers, fifth-wheels, and Class A, B and C motorhomes.

Quotes available online
Five discounts for RV insurance coverage listed online
RVs over 20 model years old are not eligible for coverage

Allstate covers a number of motorhomes, including Class A, B, C and toterhomes (a larger motorhome built on a semi-truck chassis). Allstate’s coverage also includes an option for full-time RVers, as well as options for tow bar coverage, vacation liability, and emergency expense coverage. While it’s not available for RVs over 20 years old, Allstate’s coverage could be a good fit for many motorhome owners.

Best for travel trailers

Nationwide rv insurance.

Nationwide insures a number of RVs, including motorhomes, travel trailers, pop-ups and campers. Policies can be catered to your specific type of vehicle or trailer to customize your coverage.

Eight discounts available on RV insurance policies
Quotes not available online

Nationwide was ranked as the best for wide coverage in our list of the best auto insurance companies, and its coverage is also strong for RVs. It offers eight discounts, including discounts for RV association memberships, RV safety course completion, and insuring multiple vehicles. It also has a strong record of customer service with an average NAIC complaint index.

Compare offers to find the best auto insurance

Do i need rv insurance .

RV insurance requirements depend on the type of RV you’re insuring, mainly whether it’s a self-propelled motorhome or a travel trailer pulled by another vehicle. For a motorhome, you’ll need to have at least the minimum coverage required by your state for a car, generally a certain amount of liability coverage. For a trailer-style RV, including fifth-wheels, pop-up campers, and even Airstream trailers, your tow vehicle’s liability insurance can cover any damages you cause, though additional coverage can be purchased. To make sure that your travel trailer is covered, notify your insurance company about the trailer and list it on your policy.

What type of insurance should I have on my RV?

At the minimum, you should have liability insurance for your RV, which is required in almost all states and covers any damages you cause to others in the form of bodily injuries and property damage. To repair or replace your RV, you’ll need comprehensive coverage (which can cover things like storm damage) or collision coverage (which pays for damages to your RV if involved in an accident).

How much is RV insurance?

Like car insurance, RV insurance premiums depend on many factors, including the type of RV you have, the amounts and types of coverage you choose, your deductible , how often you use your RV and whether it’s used as a residence, and your driving experience.

How much do RV repairs cost?

The average cost of repairing or replacing a motorhome or trailer-style RV is relatively high — the cheapest Airstream trailer sells for about $46,000 in 2023, and most Class A motorhomes start at around $50,000. With this significant cost, it can be well worth insuring your RV to make sure it’s helping you make memories, not financial worries.

Does RV insurance cover storms or natural disasters?

RV insurance can sometimes cover storm damage, after any deductibles, if comprehensive coverage is a part of your policy and the event is included in your policy. You’ll want to closely read your policy to understand what events are covered and which are excluded. Liability insurance coverage will not cover storm damage or natural disasters.

How can I save money on RV insurance?

You can save money on RV insurance by raising your deductible, bundling your RV insurance coverage with any other car or homeowners insurance policies you may have, and paying in full. Look for discounts that may apply to you as you shop for RV insurance.

Bottom line

RV insurance requirements vary based on the type of RV you have and your state, and it could help cover damages if you're involved in an accident or another event that damages your RV. Having coverage for your RV can help make sure you're financially covered, whatever your journies may bring.

Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox. Sign up here .

Why trust CNBC Select?

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every car insurance review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of insurance products . While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See our methodology for more information on how we choose the best RV insurance.

Our methodology

To determine the best RV insurance companies, CNBC Select analyzed dozens of U.S. insurance companies that can suit a variety of vehicles, trailers and coverage needs.

When narrowing down and ranking the best RV insurance companies, we focused on coverage, availability, types of RVs covered, the number of discounts available, ease of use and customer satisfaction data from National Association of Insurance Commissioners .

After reviewing the above features, we sorted our recommendations by best overall, best runner-up, best for motorhomes and best for travel trailers.

Note that the premiums and policy structures advertised for RV insurance companies are subject to fluctuate per the company's policies.

Catch up on CNBC Select's in-depth coverage of credit cards , banking and money , and follow us on TikTok , Facebook , Instagram and Twitter to stay up to date.

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RV insurance for the open road

Members save 5% on coverage for most RVs through our alliance with Progressive.‍ ‍ See note 1

What's RV insurance?

RV insurance is a lot like car insurance. Most states require a minimum amount of liability protection for motorhomes. For campers and travel trailers that you're pulling behind a car, liability extends from the auto policy of the towing vehicle.

If you're financing the RV, some lenders may require you to have comprehensive and collision coverage.

Whether your RV is your primary residence or just for recreational use, you can customize a policy to fit your needs.

Insurance for travel trailers

If you get comprehensive or collision coverage, you also get vacation liability coverage with travel trailer insurance. This helps protect you if your property’s damaged or if someone gets hurt in or around your trailer.

If your trailer is less than one year old, consider adding total loss protection. You can also add personal effects coverage to help protect the stuff you keep inside your travel trailer.

Ways to cover your motorhome

RV insurance may cover damages and injuries if you cause an accident. You may also be able to add coverage to pay medical, hotel, transportation and windshield repair costs.

Plus, get up to $99,000 in coverage for personal property in your motorhome. We cover luxurious Class A models, Class B campervans and Class C mini-motorhomes.

Insuring a pop-up camper

On top of comprehensive, collision and vacation liability coverage, you can also insure personal property inside your camper.

Add total loss replacement to campers less than one year old to replace your pop-up with the same model or later if it’s totaled.

Coverage for slide-on campers

We offer standard coverage options like comprehensive, collision and vacation liability. You can also get total loss replacement coverage and personal property insurance.

Because you load these types of RVs onto the bed of a truck, we also provide roadside assistance for your slide-on camper and the vehicle towing it.

Insurance for fifth-wheel trailers

You can get comprehensive, collision, roadside assistance and vacation liability coverage.

If your fifth wheel is less than six-years old, consider adding Roof Protection Plus®. This helps repair or replace your roof if it malfunctions from wear and tear, or it damages other parts of your fifth-wheel trailer.

Why get a policy through the USAA Insurance Agency?

Our agency has long-standing relationships with many insurance providers. We monitor those alliances to make sure they meet our standards of customer service and financial stability.

We've worked closely with Progressive for more than 30 years. You can get help from specially trained representatives who'll serve you at the level you expect by calling 800-809-1925 .

How much is RV insurance?

You could pay less than $125 a year to insure a pop-up camper. Or choose a higher yearly payment to cover more expensive motorhomes.‍ ‍ See note 2

How to save on your premium

USAA members get a 5% discount on coverage for most RVs.‍ ‍ See note 1 Here are some other ways to lower your cost.‍ ‍ See note 3

Responsible Driver Discount

If none of the drivers on your policy have accidents or tickets for three years, you could save on your policy.

Paid In Full Discount

In some states, you can get a discount when you pay your 12-month premium all at once.

EFT Discount

Save when you set up automatic payments from your bank account, also known as electronic funds transfers, or EFT.

RV insurance FAQ

Comprehensive coverage can help pay for water damage repairs resulting from weather-related incidents.

Recreational coverage can help protect your RV inside and out while on the road or at a campsite. You may want to consider it if you use your RV part time.

Full-timer's offers broader coverage to help protect those who live in their RV most of the year. It includes personal liability, medical payments and storage shed coverage. It also has loss assessment coverage, which can cover RV association fees to help pay for damages to shared areas.

Both options let you add vacation liability protection. This helps cover bodily injury and property damage costs while you're on vacation in your RV.

It may provide liability coverage for travel trailers and campers, as long as your vehicle is towing them.

Your auto insurance usually won't pay to repair or replace your RV.

It depends. If you're renting an RV, your cost and coverage will depend on the rental location and the type of RV.

It usually won't cover:

RVs with more than four wheels.
Drivers not listed on your policy.
Rentals longer than 30 days.
The full value of the RV.
Certain damage to the RV while it's parked.

Explore new places with RV insurance.

Have more questions.

Use our alliance with Progressive to help you get the coverage that fits your needs.

Call Progressive.

7 Best RV Insurance Companies of 2024

Money’s main takeaways.

RV insurance is essential for both full-time RV living and occasional trips.
Premiums are based on factors like your driving record and RV type, age and condition.
Our top picks include Good Sam, National General and Auto-Owners Insurance.

Why Trust Us?

Money’s editorial team has evaluated RV insurance providers since 2016. Our research and analysis take into account customer satisfaction, financial stability, coverage options and availability, among others. Read the full methodology to learn more.

Reviewed 15+ companies
Conducted over 1,000 hours of research
Prioritized coverage, discounts, customer sentiment, the NAIC complaint index and financial stability

Our Top Picks for the Best RV Insurance Companies

Note: The following companies are listed in alphabetical order.

Auto-Owners Insurance – Best for Customer Service
Good Sam – Best RV Insurance Agency
National General – Best for Full Replacement Cost Coverage
Nationwide – Best for Multiple Discounts
Progressive – Best for Disappearing Deductibles
Roamly – Best for Renting Out Your RV
RVInsurance.com – Runner-Up for Best RV Insurance Agency

Best RV Insurance Reviews

Premium reduction if RV is equipped with safety features
Towing and roadside assistance in all 50 states and Canada
Mobile app for Apple and Android
No online quotes

Why we chose this company: Auto-Owners is our pick for personalized customer service because of its network of independent agents, online customer center and mobile app. Customers can access claims, billing and other important policy documents on their phone, tablet or computer.

Auto-Owners has an impressive customer service record, with fewer complaints with the National Association of Insurance Commissioners (NAIC) than most competitors. It also ranked above average in the southeast region in J.D. Power’s 2022 Auto Insurance Customer Satisfaction study.

Unlike other companies, Auto-Owners only sells its insurance products through independent agents. Instead of contacting the company online, you work directly with local agencies that can better advise you regarding specific insurance requirements in your area. For example, bodily injury and property damage liability limits set by law vary by state.

Learn more: Auto-Owners RV insurance review

See rates on Auto-Owners’s Secure Website >>

Offers full-timer coverage
Manage your policy online without agent contact
Discounts on campsites, gear stores, fuel, and more
Not a direct insurer

Why we chose this company: Good Sam Insurance Agency is the best option for those who need help selecting coverage. It connects you with some of the best RV insurance companies to help you get the right coverage level for your needs.

Good Sam works with renowned insurance providers like Progressive, Foremost, Safeco, and National General to offer a range of standard coverage options. Additionally, through its partnership with MexicoInsuranceOnline.com, the agency connects clients to Mexico-based insurers and offers tailored add-ons for cross-border travel, whether for single-day or extended stays.

The company also extends a storage discount, allowing policyholders to suspend collision and liability coverage when their RV or trailer remains unused for over 30 days, reducing monthly premiums. Furthermore, Good Sam assists in crafting personalized policies for full-time RVers.

Learn more: Good Sam RV insurance review

See rates on Good Sam’s Secure Website >>

Coverage for specialized equipment like solar panels
Pause your coverage when your RV is in storage
Experts help you find a new RV after a total loss
Low mileage discount
Eligibility, benefits, coverage and discounts vary per state
Limited information about policies on its website

Why we chose this company: Full replacement cost coverage can usually only be bought during an RV’s first model year. National General, on the other hand, lets you get the rider within an RV’s first five model years.

With full replacement cost coverage — also called total loss replacement — your RV is replaced with a new or similar one if it’s totaled or stolen, potentially reimbursing you for the original purchase price. This is typically only available for newly purchased motorhomes or travel trailers up to one or two model years old. If you buy a used RV or don’t insure your new one as soon as possible, you risk it being considered ineligible.

With National General, RVs are eligible during their first five model years, regardless of ownership (some companies limit this type of coverage to original owners). It also offers the flexibility to pause coverage during storage, helping you save on premiums while protecting against theft, fires, weather damage, and more.

Learn more: National General RV insurance review

See rates on National General’s Secure Website >>

Free annual reviews to reevaluate coverage and discounts
Optional towing coverage includes lodging, transportation and meals
Various policies available for easy bundling and savings
Many customer complaints about the claims process

Why we chose this company: Nationwide Insurance offers over 10 different discounts, including discounts for staying claim-free during the previous policy period or installing safety devices, like smoke detectors.

Most RV insurers offer discounts, but Nationwide’s list is notably extensive. You can save by bundling your RV policy with home insurance, taking safety courses, joining an RV organization like the National RV Association, paying your annual policy upfront or opting for Nationwide’s full-time RV insurance package.

Note that not all discounts are listed on Nationwide’s website, and some only come up during the quoting process. For example, according to a customer service representative, the company also offers discounts to customers whose vehicles have safety features such as tire-pressure monitoring systems or fiberglass bodies.

Learn more: Nationwide RV insurance review

See rates on Nationwide’s Secure Website >>

Accident forgiveness for claims under $500
Horse trailer coverage up to $50k
Pet injury coverage available
Add-on coverage available for roof malfunction
Standard plan excludes personal property and emergency expenses
Rates differ based on whether you buy online or through an agent
Discounts aren't available in all states

Why we chose this company: Progressive offers disappearing deductibles, accident forgiveness and an extensive array of discounts.

With Progressive, you can save on premiums if you’re the RV’s original owner or pay your policy in advance, among other discounts. However, Progressive stands out from competitors because it offers both disappearing deductibles and accident forgiveness.

Unlike competitors, Progressive doesn’t cap its diminishing deductible benefit at $500. Instead, it reduces your deductible by 25% each claim-free period, up to $0 after four periods. While it costs extra, the feature is included with comprehensive and collision coverage for vehicles valued at $25,000 or more. Accident forgiveness for claims of $500 or less is included at no cost.

See rates on Progressive’s Secure Website >>

Specializes in RV insurance
Coverage even when renting out your RV
Policies for full-time RVers are available
Covers Canada rentals
Only offers RV policies

Why we chose this company: Insurers typically decline coverage if you rent your RV to someone else. With Roamly, you can rent out your RV and still be covered for liability and damage to the vehicle.

Rented RVs require comprehensive commercial insurance due to their higher risk exposure when compared to personal vehicles. Failing to insure your motorhome or camper when renting it out can lead to denied claims, especially if the renter lacks coverage.

With Roamly, your RV remains covered when listed on rental platforms like Outdoorsy (owned by Roamly). Renters booking your RV through Outdoorsy can opt for a renters protection package, including trip protection, interior damage and travel medical insurance. Roamly’s policies cover rented RVs for their actual cash value during the rental period and provide $1 million in liability insurance protection per trip.

Learn more: Roamly RV insurance review

See rates on Roamly’s Secure Website >>

Specialists can help you find a policy
Policies available for all types of RVs

Why we chose this company: RVInsurance.com can help you find a suitable policy, whether you use your RV for vacationing or as your residence.

RVInsurance.com works with Foremost, National General and Safeco. These companies cover all RV types, from motorhomes to campers. They offer several policy add-ons, such as full replacement cost, full-timers liability coverage and roadside assistance.

You can get a quote online, but calling to speak with an insurance specialist lets you compare policies in more detail.

See rates on RVInsurance.com’s Secure Website >>

Other RV Insurance companies we considered

During our research for the best recreational vehicle insurance providers, we narrowed down our initial list to 7 companies. The following didn’t make our final cut, not because they were lacking, but because other competitors had more standout features.

Covers motorhomes, travel trailers and campers
Includes roadside assistance, hotel discounts and more
Coverage for lodging and transportation if your RV is damaged
Coverage options are not standard across regions
RV policy not available nationwide
Limited information available online

AAA offers coverage for different types of RVs and some of its policies also cover personal effects such as electronics. However, it didn’t make our list because it doesn’t offer coverage in all 50 states.

See rates on AAA’s Secure Website >>

Discount if you transfer from another insurance company
Discounts for drivers 55 years or older
Gas price locator to help you find the cheapest gas
Limited information on company website
Online quotes not available

Allstate’s policies include emergency travel expenses if you’re over 50 miles from home when your RV breaks down and the issue is covered under the policy. Allstate is not on our main list because it only provides quotes through its sales agents and the information on its website is limited.

See rates on Allstate’s Secure Website >>

Total windshield replacement deductible is only $50
Personal effects replacement limits up to $100,000
Free accident forgiveness after 5+ years
Offers limited information on its website
Enhanced RV coverage unavailable in HI, MA, MI and NC
Total loss replacement coverage availability varies

While Geico offers coverage options comparable to those of other companies on our list (such as total loss replacement, emergency expenses coverage and vacation liability), its policies aren’t available nationwide. Its website also lacks crucial details, such as available discounts.

See rates on Geico’s Secure Website >>

Loan or lease protection coverage available
Deductibles diminish by $100 per year up to $500
Insures motorhomes valued at up to $1 million
Coverage available for custom equipment
Only covers vehicles used 250 days or less per year
Limited information available on website
No online quotes available

Safeco covers class A, B and C motorhomes valued at up to $1 million, but only if used recreationally. It didn’t make our list because its website doesn’t offer much information and coverage is limited to vehicles used less than 250 days a year.

See rates on Safeco’s Secure Website >>

Coverage for emergency expenses if camper is damaged or destroyed
Pays for transportation of damaged RV to storage, repair shop or home
Full-timer coverage for trailers, motor homes, luxury coaches and more
Special policies for USAA members
Not available in DC or Hawaii
Limited information on website

Foremost, a subsidiary of Farmers Insurance, has policies for full-timers as well as stationary travel trailers. It also covers personal-use motor homes that you occasionally rent, lease or loan. Unfortunately, this policy doesn’t cover the vehicle while it’s rented, leased or loaned.

See rates on Foremost’s Secure Website >>

Offers storage-only insurance during the off-season
Policy extends to travel anywhere in Canada
Insures equipment permanently attached to your RV
No information regarding discounts

Despite offering coverage in Canada, Farmers Insurance fell short of our list due to limited information regarding specific coverages and discounts on its website . This lack of transparency makes it challenging for consumers to assess the scope and value of its policies.

See rates on Farmers’ Secure Website >>

Multi-vehicle, safe driver and original ownership discounts
Coverage for all RV classes, including slide-on campers
Members get a 5% discount on policies
Policies only available to military families
5% members discount not available in all states

USAA offers RV insurance through an alliance with Progressive, which covers almost all types of RVs. The drawback to USAA’s policies is that they’re only available to military families.

See rates on USAA’s Secure Website >>

Country Financial

Multi-policy discount
Mobile app for Apple and Android devices
Only available through agents
Operates in only 19 states

Country Financial’s RV insurance policies fall under home or auto insurance. That can be a drawback for consumers who already have a preferred auto or home insurer. Another notable snag in its coverage is that it’s available in only 19 states.

See rates on Country Financial’s Secure Website >>

National Interstate

Options for RV full-timers
25% deductible discount for each consecutive claim-free year
Windshield replacement coverage
Coverage for commercial RVs
Website lacks information about terms and discounts

National Interstate has policy options for RV full-timers and covers commercial RVs. This insurer is not featured on our main list because its website doesn’t provide details regarding policies or discounts.

See rates on National Interstate’s Secure Website >>

The Hartford

Lifetime guarantee for repairs done in authorized repair shops
24/7 claims submission
RV replacement if it's totaled in the first 15 months
Only available to AARP members
Not available in U.S. territories

The Hartford allows policyholders to customize their RV insurance coverage, and its lifetime guarantee for repairs in authorized shops is a highlight of its policies. However, coverage is only available to AARP members, which is a considerable drawback.

See rates on The Hartford’s Secure Website >>

RV Insurance Guide

Like auto insurance, RV insurance offers financial protection for accidents, injuries and other unforeseen events. It can cover repair costs, medical bills and liability expenses if you injure someone or damage their property.

While comprehensive policies covering collision, theft and personal belongings are widely available, occasional RV users may not need such extensive coverage. Read on for information on RV insurance costs, coverage options and tips for selecting the right policy for your needs.

How much is rv insurance, rv insurance options.

How to buy RV insurance

Renting out your RV

According to Progressive, an RV insurance policy for a travel trailer (an RV you tow behind your vehicle) costs an average of $573 annually. In contrast, coverage for a motorhome costs an average of $958 per year.

Factors that affect your RV insurance premium

The following factors influence the cost of an RV insurance policy:

The type of RV: Motorhomes are more expensive to insure than trailers (especially those with state-of-the-art components).
Age and condition: Older trailers and motorhomes cost less to insure due to their reduced resale value.
Type of RV insurance: A policy with just liability coverage is more affordable than a comprehensive one with collision and personal property coverage.
Where you live: Your state and zip code affect your insurance rates. RVs in areas prone to extreme weather will be more expensive to insure.
Driving experience and driving record: A first-time RV owner poses a higher risk than an experienced RVer. Insurers will also review your general driving record to determine an appropriate rate.
Claims history: A lengthy claims history is a red flag to insurers. Drivers who have never filed a claim will get much better rates than those who have.
Additional coverage: Purchasing add-ons such as roadside assistance, total loss replacement, vacation liability and full-timers coverage will increase your premium.

RV insurance discounts

While these may vary by company, most insurers offer rate discounts for:

Bundling multiple policies
Paying the total annual policy upfront
Making monthly payments on time
Staying claim-free during the previous policy period
Being the vehicle’s original owner
Installing safety features in your RV
Having a favorable record of insurance losses
Staying accident-free for at least three years
Taking safety courses
Being a member of an RV association
Signing up for paperless billing

Drivers aged 50 and up can snag a lower rate, as can parents or guardians who opt not to insure drivers under 25 on their policy.

Insuring RVs requires special considerations because they can serve as both vehicles and primary residences. Some policies offer basic liability protection, while others provide broader coverage for personal effects and emergency expenses.

If your RV is self-propelled, it must meet your state’s minimum liability insurance requirements, whether you use it occasionally or as a residence. For towable RVs, the insurance policy on the towing vehicle may extend to cover liability, but typically does not include physical damage to the RV or attached accessories.

Best coverage for part-time RVers

People who use their motorhomes for weekend getaways should at least have basic liability coverage that meets their state’s minimum requirements.

Other types of RV insurance for part-time RVers include:

Property damage liability coverage: Pays for damages you cause to another person’s property or vehicle.
Bodily injury liability coverage: Helps pay the medical expenses of those you injure in an at-fault accident.
Collision coverage: Covers repairs to your RV after an accident with another vehicle, whether you’re at fault or not.
Comprehensive coverage: Pays for damages caused by theft, vandalism, natural disasters, fire and other non-collision accidents.
Uninsured/Underinsured motorist coverage: Covers the cost of repairs to your RV and your medical payments if you’re in an accident caused by a driver without insurance or insufficient coverage.
Personal Injury Protection (PIP): Covers medical expenses for you and your passenger in the event of an accident, no matter who is at fault. It may also cover lost wages.
Campsite/vacation liability coverage: Helps pay for legal expenses if you’re deemed responsible for injuries or losses incurred by a non-family member within your campsite or RV.
Roadside Assistance: Offers around-the-clock repairs, towing and emergency assistance should your RV experience a flat tire, battery discharge or other malfunction.

Best coverage for full-time RVers

For added peace of mind, full-time RVers should consider having a more comprehensive policy that includes some of the above-mentioned add-ons as well as any of the following:

Personal property coverage: Covers the cost of replacing any damaged or stolen personal effects. Personal belongings coverage includes clothing, furniture, jewelry and computers, for example.
Total loss replacement: Replaces your RV with an equal or similar model if your vehicle is stolen or totaled in an accident. The insurer may reimburse you for the original purchase price in other cases. Lenders may require this coverage if you finance your RV.
Full-time RV liability coverage: Adds additional coverage for liability and medical expenses if you live in your RV for six months or more each year.
Emergency expense allowance: Covers up to a specified amount of living and travel expenses like car rentals, lodging and food if your RV leaves you stranded, usually more than 100 miles away.
Specialized coverage: Can replace appliances like awnings, satellite dishes, and solar panels and can even provide coverage for any pet injuries that happen in the vehicle.
Loss assessment: Helps cover fees RV associations charge for damage to common areas in a campsite, for example.

What RV insurance doesn’t cover

RV insurance won’t cover the following:

Normal wear and tear: RV insurance protects your vehicle against unexpected events, not routine maintenance or deterioration.
Mold damage, fungi or rot: Insurers consider mold a sign of neglect and won’t cover damages unless it’s directly linked to water damage caused by a covered event.
Certain types of water damage: RV insurance doesn’t cover water damage caused by regular wear and tear, freezing temperatures or manufacturer defects.
Earthquake damage: RV insurance covers most natural disasters, including floods, storms and fires, but earthquake coverage varies by insurer.

How to Buy RV Insurance

Here are some tips on how to find and purchase the right RV insurance coverage for you.

1. Determine the coverage you need

Whether you use your RV for full-time living or occasional trips will determine the coverage options you need, whether liability only or additional coverage options such as collision, comprehensive or personal effects.

Remember that your auto insurance policy may cover towable campers or trailers but not motorhomes. And while it covers liability and damages to the RV, it generally excludes belongings or appliances inside. Homeowners insurance may also offer some coverage, but only when the RV is parked on the insured property.

2. Shop around for insurance quotes

RV insurance costs depend on your driving history, location, type of vehicle and usage and any optional riders you select. To get the most affordable premium for the coverage you need, compare quotes from multiple insurers. Consult an independent insurance agent if you don’t have time to shop around.

3. Look for discounts and consider bundling multiple policies

Most insurers offer multi-policy discounts, helping you save on premiums by combining your RV policy with auto, home, renters, boat or even life insurance policies . Bundling can also help you avoid the hassle of dealing with different companies when you have to file a claim. Other discounts vary by insurer, but could also result in significant savings.

4. Consider RV rental insurance

If you plan on renting an RV for a vacation, consider getting RV rental insurance. This type of policy usually provides liability, collision damage waiver and coverage for personal accidents or personal effects. You can purchase a policy through the rental company or your insurer.

However, remember that your current car or RV insurance policy may already extend some rental RV coverage. Coverage may not be available in some states or for trips longer than 30 days, so call your insurer to verify before heading out.

If you rent your RV to others, it’s considered a commercial-use vehicle, and your insurance policy won’t cover the renter. The person must obtain their own rental insurance. If you’re merely lending your RV to a friend or family member, your existing coverage may extend to them, depending on your policy.

Note that some states — including Arkansas and Wisconsin — require drivers to get special licenses to drive RVs. If you live in one of these states and lend your RV to someone, that person must have the required license if you want your insurance policy to cover them.

What kind of insurance do I need to rent out my RV?

To rent out an RV, you’ll need at least liability coverage, which pays for damages or injury you may cause to other people and their property in an at-fault accident. Except New Hampshire, all states and the District of Columbia, require that vehicles, including RVs, have liability coverage.

Insurance for towable RVs is another matter. When you tow your RV behind another vehicle instead of driving it, you only have to worry about having enough coverage to protect your belongings, not additional liability insurance.

RV Insurance FAQs

What states require trailer insurance.

Trailer insurance requirements vary by state and by type of trailer. Most local governments require liability insurance, while others also require uninsured motorist coverage.

Currently, only two states don't require any type of trailer insurance. You can drive an uninsured vehicle in Virginia if you pay an uninsured motorist fee. In New Hampshire, you can drive uninsured if you prove you have enough money to cover liability expenses in an at-fault accident.

Do you need trailer insurance?

You don't need insurance for a non-motorized trailer hooked to a towing vehicle. The vehicle's insurance coverage extends to the trailer attached to it. However, this coverage is typically limited to liability.

Talk to your auto insurance provider if you want to add property damage coverage for the trailer or purchase a separate RV insurance to ensure the trailer is insured against damage.

Who has the best RV insurance?

Does rv insurance cover water damage, what is vacation liability rv insurance, how we chose the best rv insurance.

Coverage options and discounts: We picked companies that offer a comprehensive selection of coverage options and premium discounts.
Customer satisfaction: We favored companies with above-average scores in J.D. Power’s U.S. Auto Insurance Study.
Financial strength: We considered the financial strength of each insurer as evidenced by their A.M. Best rating. A.M Best is a credit rating agency that assesses the creditworthiness of insurance companies.
Complaint index: We looked up every insurer’s complaint trend report from the National Association of Insurance Commissioners (NAIC) and favored those with few complaints.

Summary of Money’s Best RV Insurance of 2024

This article originally appeared on Money.com and may contain affiliate links for which Money receives compensation. Opinions expressed in this article are the author's alone, not those of a third-party entity, and have not been reviewed, approved, or otherwise endorsed. Offers may be subject to change without notice. For more information, read Money’s full disclaimer .

COMMENTS

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According to Progressive, the average cost of its RV insurance in 2022 was $573 per year for travel trailers and $958 per year for motorhomes. A liability-only RV insurance policy might cost as low as $125 per year. With that being said, there are numerous factors that can affect how much you'll pay for a policy.
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The average premium for a 12-month RV insurance policy at Progressive for 2022 was $573 for a travel trailer and $958 for a motorhome. Liability-only RV policies at Progressive start at just $125 per year. * The average RV insurance cost varies significantly based on numerous factors, including your type of motorhome or travel trailer, location, usage, and driving experience.
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Join Date: Nov 2018. Posts: 111. Progressive Travel Trailer Insurance. Hi everyone! I am new to the forum and found out some interesting information today. I have a travel trailer insurance policy with progressive. I was talking to an agent today and they informed me progressive will be coming out with some interesting rv insurance add on's.
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Recreational Vehicles, Trailers & Fifth Wheels; More Details > More Details > OVERALL RATINGS Good Sam Progressive; Coverage & Benefits: 5.0/5: 4.5/5: Customer Support: 4.8/5: 4.0/5: Cost: 5.0/5: 4.0/5: ... Have had Progressive RV insurance for about 3 years now. Last summer had my catalytic converters stolen and Progressive was there to help ...
An Insurance Company You Can Rely On
With Progressive auto insurance, you'll enjoy affordable coverage options and a variety of discounts. Plus, you can get a quote in just a few minutes - get started now and enjoy peace of mind behind the wheel. ... †† Annual premium for a basic liability policy excludes travel trailer and is not available in all states. RV insurance not ...
4 Best RV Insurance Companies of July 2024
Geico offers two different policies, an enhanced motorized RV policy and towable RV insurance to meet your specific RV's needs. It covers a wide variety of motorhomes and travel trailers ...
RV and Motorhome Insurance Quotes & Rates
Use our alliance with Progressive to help you get the coverage that fits your needs. Call Progressive. 800-809-1925. USAA offers RV insurance for your motorhome, travel trailer, camper and fifth wheel. Learn more about RV insurance costs, rates and coverage.
7 Best RV Insurance Companies of 2024
According to Progressive, an RV insurance policy for a travel trailer (an RV you tow behind your vehicle) costs an average of $573 annually. In contrast, coverage for a motorhome costs an average ...
Medvedkovo Map
Medvedkovo is a Moscow Metro station in Severnoye Medvedkovo District, North-Eastern Administrative Okrug, Moscow. Mapcarta, the open map.
RV Insurance Information
What are the different types of travel trailers? 5 min to read. What RV insurance coverages do you need for your motorhome? 4 min to read. Do I need RV insurance? 4 min to read ... Hit the open road with RV insurance from Progressive. Get a quote; Or, call 1-866-749-7436; Learn more about our RV insurance offering. Have more questions? Browse ...
Elektrostal Map
Elektrostal is a city in Moscow Oblast, Russia, located 58 kilometers east of Moscow. Elektrostal has about 158,000 residents. Mapcarta, the open map.
What is Car Hauler Insurance?
The right insurance for your auto hauling company safeguards your assets and complies with federal and state laws. Learn more about how Progressive can help financially protect your trucking business. Car hauler insurance requirements. The requirements for car hauling insurance vary depending on factors such as your location and company needs.
State Housing Inspectorate of the Moscow Region
State Housing Inspectorate of the Moscow Region Elektrostal postal code 144009. See Google profile, Hours, Phone, Website and more for this business. 2.0 Cybo Score. Review on Cybo.
What Is RV Insurance?
Travel trailers are a different story. Because they're not motorized, insurance is optional. However, if you're financing your motorhome or travel trailer, your lender will typically require you to carry physical damage coverages. ... Hit the open road with RV insurance from Progressive. Get a quote; Or, call 1-866-749-7436; Learn more about ...
Sustainable Travel in Elektrostal
Compare Elektrostal accommodation options and book a vacation rental or hotel that is eco-certified, green, or sustainable. Plan your eco-friendly stay in Elektrostal with Rent By Owner™.
Utility Trailer Insurance: Get a Quote
Quote today and get insurance for your utility trailer. Or, call 1-855-347-3939. Get immediate protection with utility trailer insurance from Progressive and learn what utility trailer insurance covers and get tips for quoting.
Best Car Insurance Companies for June 2024
Coverage for other vehicles: Besides standard personal vehicles, such as cars and SUVs, Progressive will insure other vehicles such as motorcycles, mopeds, scooters, RVs, trailers and even golf carts.

Progressive RV Insurance Review: Pros and Cons

Coverage and Benefits

Basic coverage

Full coverage

RV-specific coverage

Covered RVs

Cost and Discounts

Ways to get discounts

Customer Support

Other Offers

Alternatives

National General

Do you need insurance on an RV?

Is RV insurance cheaper than car insurance?

Does RV insurance cover water damage?

Final Thoughts

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Table of Contents

Progressive RV Insurance Overall Rating: 3.5/5

Basic Coverage

RV Specific Coverage

RVs Covered

Progressive RV Insurance Costs & Discounts: 5/5

Initial Costs

24/7 Service

What Clients Like

What Clients Dislike

Small Accident Forgiveness

Large Accident Forgiveness

Disappearing Deductibles

Final Thoughts

RV Extended Warranties in 2024 — Are they worth it? Everything you need to know

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Progressive RV insurance – Progressive Insurance for Travel Trailer

Coverage & Advantages of Insurance:

Basic Coverage

RV Specific Coverage

Costs & Discounts for Progressive RV Insurance:

What are Initial Costs?

Multdon’ticy

Advance Quote

Initial User

Pay in Full

Responsible Driver

Prompt Payment

Claim Free Renewal

Continuous Policies

Support 24/7

What Does a Client Like?

What Does a Client Dislike?

Other offers:

Small Accident Forgiveness

Forgiveness of Major Accident

Disappearing Deductibles

Contact Information for Radical RV Insurance

Social Media

Recent Posts

Progressive RV Insurance

Why You Can Trust The MarketWatch Guides Team

Progressive RV Insurance Review

Progressive RV Insurance Pros and Cons

What Makes Progressive RV Insurance Stand Out?

Progressive RV Insurance Cost

What Factors Affect RV Insurance Costs?

Progressive RV Insurance Discounts

Progressive RV Insurance Coverage

Standard RV Insurance Coverage Types

Progressive RV Coverage Add-Ons

Total Loss Replacement Coverage

Progressive RV Insurance Benefits

RV Types Covered by Progressive