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Best RV Insurance Companies
Ever since the worst period of the Great Recession in 2008, the RV industry has seen explosive growth, reaching record highs and surpassing them year after year. Now there are well-over five hundred thousand new recreational vehicles sold in the US annually, and over a million Americans living in RVs full-time.
The economic impact of this rising trend has become so significant that new insurers offering recreational vehicle coverage are popping up left and right.
But with all the noise out there, finding the best insurance deal possible has never been harder or more difficult. Read on to learn the necessary details and information to better prepare you for dealing with insurers.
Best RV Insurance for November 2024
Progressive
Fortunly's Rating: Our editorial team determines the rating based on a set of evaluation criteria developed for each product and service category.
Progressive provides RV policies in most states with the exception of Washington and Hawaii. With more than eight decades of experience in the industry and solid financial backing, the company is an easy choice for insuring your motorhome and bundling the insurance with other policies. Read more
National General
Fortunly's Rating: Our editorial team determines the rating based on a set of evaluation criteria developed for each product and service category.
Founded in 1920, National General (formerly known as GMAC) has been providing insurance services for the last century. In fact, this North Carolina-based firm is the only provider to have started within the automotive industry, originally working with dealerships before it expanded its services to customers. Read more
Good Sam
Fortunly's Rating: Our editorial team determines the rating based on a set of evaluation criteria developed for each product and service category.
Good Sam Insurance Agency is not a direct insurer, but instead operates as a broker between customers and insurance firms like National General, Progressive and Safeco. This approach has made the company one of the most-trusted names in the business, with some of the most affordable deals available. Read more
Safeco
Fortunly's Rating: Our editorial team determines the rating based on a set of evaluation criteria developed for each product and service category.
Founded in 1923 and joining the Liberty Mutual Group in 2008, Safeco has been a staple of the insurance industry for nearly a century. It is known mostly for its home and auto insurance policies, but it also has one of the most popular RV insurance programs in the United States. Read more
RV America Insurance
Fortunly's Rating: Our editorial team determines the rating based on a set of evaluation criteria developed for each product and service category.
RV America Insurance was founded in 1979, in Simi Valley, California. The company has been operating as a subsidiary of Brown & Brown of Kentucky since 2012, and provides RV insurance through the largest partner companies in the industry. Some of these names include insurers like Progressive, Allied, Nationwide, Safeco and many others. Read more
Top 5 RV Insurance Providers in 2024: Our Picks
- National General. Best Customer Support.
- Good Sam. Best For Full-Timers.
- Progressive. Best for Low Deductibles.
- Safeco. Best Coverage Options.
- RV America. Best Roadside Assistance.
Detailed Reviews of the RV Insurance Companies
Progressive
- • 24/7 customer support
- • Great variety of coverage options
- • Available in 48 states
Progressive provides RV policies in most states with the exception of Washington and Hawaii.
With more than eight decades of experience in the industry and a solid financial backing, the company is an easy choice for insuring your motorhome and bundling the insurance with other policies.
Financial Strength: A+
Progressive holds the highest “A+” rating from A.M. Best Ratings Services, which means that the insurer will have no problems paying out any potential customer claims.
Progressive also sees the same high financial stability ratings from Standard & Poors where it is rated with an “A,” as well as with Moody’s that rates the company “A2”.
Pricing & Discounts
Progressive also has one of the cheapest programs available, as it is possible to purchase a standard policy that goes as low as $125 a year.
Premiums and deductibles vary depending on your state and driving history, though, and not all products and plans are available everywhere in the country.
When it comes to discounts, there are plenty of ways to bring the cost down even further, as Progressive rewards safe drivers and customers who renew their policies without at-fault claims.
Other discounts are available to customers who always pay on time, or those that opt to pay for the whole year in advance.
Coverage Options
Progressive covers a wide variety of RVs, including all three major classes and some additional options.
Horse trailer, cargo trailer, pop-up tent trailer and mounted truck camper insurance coverages are all available, for instance.
The insurance policy includes all the basic options like comprehensive, collision, uninsured/underinsured motorist, medical payments, as well as bodily injury and property damage liability coverage.
The company also has a great selection of optional RV-specific add-ons that include: trailer coverage, emergency expenses coverage, small and large accident forgiveness and pet injury coverage.
What’s more, Progressive stands out as one of the rare companies that can cover you if you drive your RV to Mexico, and it even has a “disappearing deductible” option.
With it, you can drop your rate by 25% each year you don’t file a claim, and eventually reach a $0 deductible which will stay that way until you file a claim.
Customer Satisfaction
The company's customer reviews are well above average, especially for an insurer that serves millions of policyholders.
The customer-support service is available 24/7 and online claims processing and tracking only helps accentuate the quality of the user experience.
This is why the Better Business Bureau gives Progressive an A+ rating, and customers on the website award it 3.75/5 stars.
However, the ratings at Consumer Affairs are quite low, as the company is rated 2.5/5 stars from 31 customer reviews in the past year.
Final Words
Progressive continues to deliver both quality and variety to potential customers, featuring one of the most comprehensive offers available.
National General
- • World-class customer support
- • Numerous coverage options
- • Financially stable
Founded in 1920, National General (formerly known as GMAC) has been providing insurance services for a whole century now.
In fact, this North Carolina-based firm is the only provider to have started within the automotive industry, originally working with dealerships before it expanded its services to customers.
Financial Strength: A-
No company could thrive for a hundred years without proving its financial stability and having the ability to pay out customer claims. It is not surprising then, that National General has an “Excellent” A- rating from A.M. Best Ratings Services.
The insurer is considered to be a safe option for anyone, with an exceptional ability to meet its ongoing insurance obligations.
Pricing & Discounts
There are no clear specifics on the National General website about the range of premiums and deductibles, but the rates are generally one of the most affordable on the market.
Customers can also save an average of $349 annually by using its SmartDiscounts option, with the biggest discount being the bundling of auto and RV policies, which can cut some 20% off the premium.
Additionally, your bundled policies are covered by a single deductible, so you will only need to file one claim in the case that both your car and RV are damaged in the same accident.
Other notable discounts available with National General are the Safe/Responsible Driver discount for RV owners with a good driving record, and the Low Mileage discount for customers who only use their RV recreationally.
The company will also temporarily suspend your coverage when the vehicle is stored and not on the road, which drives the total cost of insurance down even further.
Finally, there is a Paid-in-Full discount option for customers who opt to pay for the entire year of insurance in advance, which can be a great option for those with a good financial backing.
Coverage Options
National General Insurance Company covers most types of recreational vehicles, with Class A, Class B, Fifth Wheel Trailer and Mounted Truck Campers all being covered by their policies.
To find out if your model is covered, however, you will have to get a quote through their website and see if you are eligible.
If you are, the company’s basic coverage will include all of the most-commonly found options that you would see with any auto insurance policy, but with a couple of RV-specific ones available as well.
For instance, National General includes total loss replacement, full timer coverage, belongings and personal effects, permanent attachments, emergency expense allowance and even the rarely seen Mexico insurance coverage for when you are crossing the border in your RV.
All in all, it is one of the most comprehensive programs that you’ll find, and it has enough features to satisfy almost any motorhome owner.
Customer Satisfaction
National General holds a 4-star rating on Consumer Affairs, with 94 reviews in the past year, and has an A+ rating with the Better Business Bureau, indicating that it maintains a high commitment to customer satisfaction.
One of the most commonly praised things is the company’s customer support service, which is available 24/7, and provides swift solutions to the majority of customer issues.
To prove just how much emphasis National General puts on the quality of its customer service, the company will even waive up to $250 off your deductible if you aren’t satisfied with how it is dealing with your claim.
Final Words
Celebrating a century of success in the insurance business this year, National General is a true example of what a service dedicated to customer-friendly practices is able to accomplish.
And while its quotes are certainly not the lowest available, the multitude of discounts and some of the most comprehensive coverage options ensures that almost anyone can find a good deal here.
Good Sam
- • Highly customizable plans
- • Discount variety
- • Large network of providers
Good Sam Insurance Agency is not a direct insurer, but instead operates as a broker between the customers and insurance companies.
This approach has made the company one of the most-trusted names in the business, with some of the most affordable insurance deals available.
Financial Strength: N/A
Good Sam is not yet rated by A.M. Best or any other websites that track financial strength and stability of insurers.
This is because of the way that Good Sam operates, as it connects insurance firms and customers through its platform, but is not a dedicated insurer itself.
Pricing & Discounts
Even though the Good Sam website does not disclose details regarding the costs, the company claims that you can save an average of $500 a year by using one of the offered plans.
The rates, of course, vary depending on the driver and the vehicle, but customers have indeed reported saving up to 20% by bundling RV with their auto insurance policy.
The list of discounts extends much longer than just bundling, however, as Good Sam rewards responsible drivers, as well as those with low average mileage and those that pay their insurance in full.
The already cheap offer can become lower if you suspend your coverage when the vehicle is stored and not in use, and even has a “disappearing” deductible discount to save you more money as long as you keep an accident-free driving record.
Coverage Options
The Good Sam Insurance Agency provides a great variety of coverage options, making it incredibly easy to customize the policy to fit your personal needs.
The standard plan includes all the standard, legally required options like collision, comprehensive, bodily injury, uninsured/underinsured motorist and property damage protection coverage.
The optional add-on selection is, however, much more robust, and the premium plan option includes full replacement coverage, a storage option, full-timer coverage, multi-vehicle discounts and emergency expense and personal coverages for up to $3,000.
Customer Satisfaction
Good Sam is given an “A” by the Better Business Bureau, and receives fewer complaints than average.
Customers mostly had issues with the RV roadside assistance plan, but other than that the company has positive reviews.
Final Words
All in all, Good Sam represents possibly the best connecting thread between customers and the largest insurers in the United States.
Through this broker-type model of business, the company manages to provide some of the most customizable plans and discounts we’ve seen, making it a great choice for full timers.
Safeco
- • 24/7 customer support
- • Strong financial backing
- • Rarely found coverage options
Founded in 1923 and joining the Liberty Mutual Group in 2008, Safeco has been a staple of the insurance industry for nearly a century. It is known mostly for its home and auto insurance policies, but also has one of the most popular RV insurance programs in the United States.
Financial Strength: A
Seeing as Safeco has become a member of Liberty Mutual Group, one of the largest corporations in America, you do not need to worry about its financial solvency.
Safeco has an “Excellent ‘A’” rating from A.M. Best, as well as an “A2” rating from Moody’s. Finally, Standard & Poor’s rates Safeco “A-,” making the scores across the board more than reassuring.
Pricing & Discounts
The Safeco website does not show you any indicators about the rates and deductibles that you can expect, as prices vary from driver to driver.
Still, the company is considered to have a very competitive policy program, which is made even more attractive by the fact that Safeco features a couple of quality discounts.
Some of the things that can take your premium down are passing an accident prevention course, storing your RV during winter, bundling your auto or home insurance policies or choosing the option of a disappearing deductible. You can also get a discount if you install anti-theft devices in the RV.
Coverage Options
Even though Safeco’s discount offer is not as extensive as some of the competition, its selection of coverage options remains exceptional.
For starters, the basic coverage includes all the legally required options like collision, comprehensive, bodily injury liability, personal injury, medical payments and uninsured/underinsured motorist coverages.
There are also a number of RV-specific options like 24/7 emergency Safeco roadside assistance, belongings & personal effects, and emergency expense allowance coverage.
Safeco is also one of the rare insurers that offers pet insurance coverage for RV users, as well as gap and electronic lock and key replacement coverage.
Along with Progressive, it is the only company that provides total loss replacement coverage for your RV and protects your motorhome when you are driving through Mexico.
Customer Satisfaction
Safeco is not yet rated by the Better Business Bureau, but its parent company Liberty Mutual holds an “A” rating, indicating that it is highly consistent in resolving customer claims.
Customers are appreciative of the service provided by the company, as it holds a fantastic 4.5-star rating on Consumer Affairs.
One of the key points of praise in their reviews is the 24/7 claims assistance hotline and the responsiveness of the company’s support staff.
Final Words
Ever since Safeco joined Liberty Mutual Group, it has cemented its place among the top names in the business.
This already-established firm is now more financially stable than ever, with a huge reach and amount of resources available to it.
Pair this with world-class customer support and a number of rare coverage options, and you have one of the better choices on the market.
RV America
- • Great for comparing rates
- • Various coverage options
- • Best roadside assistance
RV America Insurance was founded in 1979, in Simi Valley, California. The company has been operating as a subsidiary of Brown & Brown of Kentucky since 2012, and it provides insurance through the largest partner companies in the industry.
Financial Strength: N/A
Because RV America is a broker company that serves as a “middle-man” between customers and dedicated RV insurers, it is not rated by websites for its financial strength.
Still, all the partnered companies that work with RV America represent some of the most financially stable names in the industry.
Pricing & Discounts
The same goes for insurance premiums, as prices depend on the carrier of your choice, which is why RV America does not state any premium or deductible ranges on its website.
What you can get, however, is a quick online quote that compares offers from all the partnered insurers on the list, and reaches out to the one you like the most with just one call.
Most of the partners that work with RV America offer a wide variety of discounts, creating a great selection of insurance programs.
Some of the deals and discounts include: bundling policies, safe/responsible driver discounts, low mileage and paid-in-full discounts, and “disappearing deductible” discounts that will continually lower your deductible until it reaches $0, as long as you continue to be accident-free.
Coverage Options
Because it is partnered with so many of the insurance industry leaders, RV America provides a wealth of coverage options to customize your policy - from roadside assistance all the way to total loss replacement and Mexico insurance and vacation liability coverages.
The company also offers towable coverage, accessories coverage, as well as a high liability limits option, which can go up to $1 million in liability coverage.
Customer Satisfaction
RV America is not accredited by the Better Business Bureau, but it holds an “A+” rating with the company, with zero customer reviews so far.
The company’s customer service is available from Monday to Saturday during work hours via phone or email.
Final Words
Ideal for potential customers who appreciate convenience, RV America Insurance is perhaps the best place for getting the most detailed price comparisons from the industry-leading insurers.
A Detailed Guide to RV Insurance
Before committing to a purchase of an insurance policy for your RV, there are a few certain key things every potential buyer should be familiar with in order to recognize the best deal available. From the factors that will influence your quote, to basic and optional coverage options, the more informed you are, the easier it will be to make the right decision.
Factors That Determine RV Insurance Rates
There are a number of key factors that influence rates, but ten of them in particular are considered the major ones that can move rates up or down by a significant margin.
These factors are:
RV Location - By State and Zip Code
The area you reside in has a big impact on your insurance rates, depending on the cost of living, crime rate or hurricane threat levels for your state or zip code area. This means that your decision on where to store your motorhome when it’s not in use can help you mitigate costs, as you can keep it stored in another zip code or state.
Sometimes, you will be required to register the RV in the same state that you reside in, so it is best to discuss this with the insurance agent.
Type of RV
With so many different models and types of RVs out there, there is a wide range of prices that you can see when trying to insure yours. The largest Class A motorhomes are usually the most expensive, while towable RVs and Class C RV insurance costs are substantially lower.
If you are at the point where you haven’t purchased an RV yet, we advise that you check the insurance rates for any model that you have in consideration and see how insurance premiums will fit into your budget.
How The RV Is Used
The way you use your RV influences the amount of coverage you will need. For instance, occasional users that drive their motorhome on some weekends or holidays represent a much lower risk than those who use their RV as their permanent residence.
Full time insurance requires a more extensive coverage, similar to the floating homeowners insurance policy, which is substantially more expensive.
Your insurance company will determine your costs by the amount of days a year that your RV is used, which can allow you to adjust your premiums or suspend some coverage while the vehicle is being stored.
Your Driving Record
Insurance companies will always check your driving history, so if you have been in accidents before or have been given multiple traffic tickets, you will be considered at a greater risk for another incident. This will negatively impact your premiums, the same way that a good driving record will lower your insurance rates.
Because RVs are much larger than regular cars, your previous RV driving experience will also come into play. If you are purchasing your first motorhome and have no experience driving RVs, you may get a higher premium than if you had previously owned and driven one.
Membership With an RV Association
If you are a member of an RV association like Good Sam or FMCA, you may get discounts at RV parks and have access to other lifestyle perks such as reduced premiums with insurers. Many of the largest insurance companies are partnered with these associations. So, if you are a member you should always mention it to your insurance agent to see if it's possible to get a discount or special pricing.
Multiple Policy Discounts
As with most insurance policies, you can also pair your RV insurance with home or auto insurance that you already have to get a discount on your premium. It must be noted that not all of the large insurers offer RV policies, which is why it’s important to check if your insurance firm does and can you take advantage of bundling plans for a discount.
Choice of Deductible
The higher your deductible is, the lower your premium gets. This is the rule for every kind of insurance policy that you can get, and the same applies for recreational vehicle insurance. The best strategy to save money is to calculate the highest deductible that you can handle financially in the case of an accident.
Completion of a Safe Driving Course
Many insurance companies will offer you a discount if you bring them proof that you have completed an approved safe driving or defensive driving course. One of the courses that is commonly approved is provided at the National FMCA Family Reunion Rallies. The course is completed over a period of two days, after which you receive a certificate that you can bring to the insurer. We must note that some states and insurance firms do not provide this discount, so it’s best to check what the case is when it comes to your area.
Credit Score
Your credit rating can affect the rate, even though it usually does not lead to big price hikes or discounts. Still, an insurance company usually awards customers who have a good credit score, as it is considered a strong indicator on how they will treat their RV as well.
Insurance Claims History
In the same way that credit and driving histories influence the insurance premiums, so does your insurance claims history. This is usually not an issue for the vast majority of potential customers, but those people with a long history of opening insurance accounts and filing claims soon after will be considered as a high risk. In turn, this will make their average cost of insurance higher than regular.
Basic RV Insurance Coverage Types
While it’s true that RV insurance policies can differ in coverage types from one insurance company to the other, you can expect these basic coverages to be required and included in your quote estimate.
Collision Coverage
This type of coverage will reimburse you for damage to your motorhome or camper trailer caused by collision with another vehicle or stationary object, or in the case that your RV rolls over. Collision damage coverage protects you even if you are at fault for the accident, and can include built-in features inside your RV.
Comprehensive Coverage
Commonly known as “other than collision” coverage, it pays for repairs or replaces your motorhome due to damage suffered from various issues that do not include other vehicles and drivers. Some of the issues covered are animal collisions, theft, vandalism, falling debris, fire, storms, floods and other natural disasters.
Liability Coverage
This is one of the mandatory coverage types which helps pay for damage done to the other party when you are involved in an at-fault accident. Liability insurance covers the costs of repairing or replacing that person’s car, as well as their medical bills in the case of bodily injuries. Liability coverage also includes the legal costs in case the driver files a lawsuit against you.
Medical Payments Coverage
If your RV gets in an accident, regardless of who is at fault, the insurance company will reimburse you and your passengers for any medical bills and funeral expenses, up to the predetermined coverage limit.
Uninsured/Underinsured Motorist Coverage
This basic coverage type helps cover injury treatment for you and your passengers in case you are hit by a driver who is not insured, or does not have enough insurance to cover your bills. The same coverage applies for damages done to your vehicle if the driver at fault is not covered or has limited insurance coverage.
Contents Coverage
Meant to protect the property inside your motorhome when it’s damaged or destroyed due to fire or lightning, contents coverage is usually purchased at a set amount. This means that the claim payout cannot exceed the agreed-upon limit, which is why it’s important to calculate a good estimate of the worth of all the items that are inside your RV.
Optional RV Insurance Coverage Types
These coverage types are optional but can be important to consider, depending on your personal needs:
Full-time Coverage
If you are using an RV as your primary residence, you are required to get full-coverage insurance that is similar to a home insurance policy. It will cover the costs of medical expenses and emergencies for anyone injured in or around the RV, as well as a high-limit personal liability insurance when you are parked for long periods of time.
Additionally, full time coverage extends to the belongings you keep in storage while you are on the road.
Vacation Liability Coverage
This optional coverage applies only when your RV is parked off public roads and while it is used for recreational purposes. Your motorhome is then considered a temporary vacation residence, and any injuries or damages that happen to someone inside it are covered by campsite liability.
Vacation liability coverage does not overlap or apply to any loss that is included in the automobile liability coverage, and is strictly limited to the losses at a campsite.
Travel Expenses Coverage
This add-on is meant to cover lodging and transportation expenses until your RV is fixed. Travel expenses coverage only applies when you are at a certain distance from your home--usually at least 50 or 100 miles.
Total Cost Replacement Coverage
Comprehensive insurance coverage typically pays a depreciated replacement amount in the case that your RV is totaled in an accident or gets stolen. But total cost replacement coverage pays for a full cost of a new RV in the period of your vehicle's first five model years.
Personal Property/Attached Accessories Coverage
This coverage will help protect your valuable equipment like TVs, satellite dishes, cell phones, laptops and other devices inside the RV, while it is on the road or when you are parked. The coverage sometimes extends to cover injuries that your pets may suffer while in your motorhome.
Roadside Assistance
One of the coverage options that is found in almost all auto insurance policies, roadside assistance helps you tow your vehicle or fill it up with fuel in case you run out while on the road. Because motorhomes are much more expensive to tow and require more gasoline, this coverage is not automatically included in basic insurance policies, but remains equally important.
Guaranteed Asset Protection Coverage (GAP)
GAP insurance protects you if you have a loan or are leasing your RV. This way, in case your motorhome gets totaled while you still owe money on it, GAP coverage helps pay for the difference between the insurance settlement and the loan amount on the vehicle.
How We Evaluate RV Insurance Companies
The main principles driving our platform have always been transparency and a dedication to customer-friendly practices. This is particularly important when we review products that can have a positive or negative financial impact on our readers.
Therefore, we felt a deeper insight into our review process and methodology used for rating RV insurance companies would be helpful in better understanding the features and services that we value the most.
Financial Strength
The first thing that we look at when reviewing an insurance firm is how financially stable it is. Every insurer should always be able to cover the claims of its customers, and knowing that the company you are taking an insurance policy from has a good record and great financial backing means that you can sleep better at night.
Pricing & Discounts
Even though there are always several different variables that influence insurance rates, companies that offer competitive and lower median prices will be rated more favorably than others.
The same goes for the amount of discount options that the firms provide to their potential and faithful customers, or those companies that go out of their way to reward good behavior.
Coverage Options
The leading companies will offer more than a competitive RV insurance cost, and will provide their customers with a variety of optional add-ons that will help you craft a policy that suits your personal needs. We will always rate these insurers more favorably than those whose coverage offer is lacking when compared to industry standards in 2024.
Customer Satisfaction
The quality of customer support and the overall experience that the customers have with an RV insurance company is essential to the overall rating it will receive on our website. A good history of satisfied customers and a helpful support staff that’s available whenever you try to contact them is something that we prioritize, and it always highly impacts the review.
Further Reading
FAQ
Why is RV insurance important?
RVs are usually an expensive asset that are important to back financially in the case of possible losses from accidents, theft, vandalism, and weather-related damages.
This is even more true in the case that the RV is used as a primary mode of transportation, because the more time you spend on the road, the bigger the chances are that an accident can happen.
Recreational vehicle insurance is therefore mandated by law, as these are large vehicles that can cause a lot of damage to other drivers and owners must have liability coverage in case they need to pay for injuries they caused to other people.
How much does it cost to insure an RV?
It can cost as little as $100 or as much as a few thousand dollars annually. The average full-time insurance is around $1,500, but the price depends on a number of factors -- mainly the type of your RV.
The large Class A vehicles have the highest full time insurance cost levels, while smaller Class B or Class C trailers will be much less expensive.
The resale value of the RV is also a significant factor, with new vehicles being more costly to insure than used ones. Other major factors that influence the cost have to do with the level of crime in the area in which your RV will spend most of the time, as well as how frequently it is being driven.
Does insurance cover RV roof leaks?
Most insurance companies will cover the damage your roof experiences due to collision with a tree, a sign, a building or any low hanging obstacles. When insurers write the check for a roof replacement, it has no further liability and considers this to be the end of the claim.
Claims based on situations that are considered maintenance, like leaking that occurs around caulking joints are denied on a regular basis, though.
Water damage from old A/C gaskets, cracked skylights or exposed screws are also considered to be maintenance-related situations, and will not be covered by insurance.
What kind of RV insurance do I need?
RV insurance is required by law, the same as car insurance. Still, the amount of coverage you need depends on a number of factors, primarily the class of your motorhome and your state requirements.
A more comprehensive plan should also be considered if you are planning to cross state or country borders in the RV, or plan to live in it part-time or year-round. On the other hand, if you are only using your recreational vehicle sparsely, the right insurance option may be a more limited coverage.