BEST RV INSURANCE: Cheap Rates to go for in 2023

Best RV Insurance

Recreational vehicle (RV) insurance products cover the special hazards associated with moving vehicles that double as living quarters and are frequently used in locations other than your house. They fall halfway between homeowners and auto insurance policies. We identified the top RV insurance company regardless of whether you occasionally take vacations in a camper trailer or live in a motor home full-time. This article will help you with all the information you need on the pricing and every aspect of RV insurance.

What is RV Insurance

RV insurance from high out-of-pocket owners of recreational vehicles is protected by expenses in the case of a loss or if they are at fault in an accident that results in property damage or bodily harm. In the event of a breakdown on the road, it may also cover your expenses.

Best RV Insurance Companies

#1. Progressive

Progressive offers the best RV insurance. Because of the large variety of coverage options offered by the firm, it has earned its top position on our list and that o users. Progressive’s regular insurance often includes more features than those from other insurers, whether you’re an RV full-timer or part-timer. For instance, accident forgiveness and pet injury coverage, which are typically more expensive at other insurers, are both included in Progressive RV policies.

Furthermore, Progressive provides online quotes for a variety of RVs, such as Class A stand-alone, fifth wheels, and pop-up campers. Although most insurance companies require you to speak to an agent for an RV insurance quotation, this makes comparing pricing and tailoring your coverages much simpler.

#2. Auto-Owners

When it comes to house and auto insurance, Auto-Owners regularly have one of the best reputations for customer service. For RV owners who want to ensure that any claims are settled fast, this makes it a wonderful company.

Also, Auto-Owners offers a wide range of discounts, such as a green discount, a discount for on-time payments, and a discount for not having any young drivers on your policy.

Customer service at Auto-Owners Insurance is generally extremely well-rated. But, you can’t receive a quotation for their online; instead, you’ll need to phone or email.

#3. National General (Best RV and auto package)

The bundling discount offered by National General makes it one of the most economical providers of RV insurance. Customers who purchase both policies through National General are eligible for a multipolicy discount on auto and RV insurance of up to 20%.

Moreover, a single deductible will apply to all of your combined policies: You will only need to submit one claim and, thus, pay one deductible if both your car and RV are damaged in the same incident. Customers that tow or attach their RVs to their cars or vice versa may find this to be of great utility.

#4. Nationwide: (Best for discounts)

Nationwide, one of the biggest home and car insurers in the nation offers the widest range of savings among our best RV insurance providers. Many of the common discounts for RV insurance are available from Nationwide, including multipolicy discounts for bundling your purchase with home or auto insurance, savings for paying your policy in full, and a discount for keeping your vehicle continuously insured.

Nationwide, on the other hand, stands out for providing uncommon discounts. For instance, you can receive discounts for joining an RV club, finishing a state-approved RV driving safety course, and belonging to a qualifying affinity organization, which includes a large number of alumni associations and professional organizations.

Best RV Insurance Rates

Listed below are ways you can rate your RV Insurance:

#1. RV’s 

By collaborating with 20 other top-rated companies, including Nationwide, Foremost, National General, and Safeco, has insured over 100,000 RVs in 48 states. They provide customers with discounts that range from $335 to $400 annually.

#2. Roamly insurance

A group of RV enthusiasts who were fed up with the limitations imposed by regular insurance providers founded Roamly insurance. There is no restriction on renting out your RV with the roaming insurance policy. Homemade van discussions are also covered by Roamly.

#3. RV America

RV America collaborates with some of the most well-known insurance providers, including Blue Sky, Allied, National Interstate, and Progressive. In addition to regular coverage, RV America provides a wide range of supplemental coverage options that can shield you from almost any circumstance.

Cheap RV Insurance

Based on provider rankings from the industry-wide RV insurance survey, the overall ratings are in this table. However, the ranking of these providers takes into account both a provider’s cost and its competence as an RV insurer.

#1. Progressive

The Editor’s Choice award for 2022 went to Progressive in part due to the variety of coverage options it provides for RV insurance. The other key element is the savings offered by the insurance. As one of the providers in our study with the broadest selection of discounts, Progressive’s insurance is considerably more affordable.

Significant Rebates:

Timely Payment

When a consumer makes their first payment on time, Progressive gives them a discount. As long as the policyholder continues to make payments on schedule, the discount will remain in effect. Get a quotation at least one day prior to the start of your coverage to receive a discount on your Progressive RV policy.

Important Coverages

Protects against damage caused by insects, rats, and other pests, which is often not covered by the majority of comprehensive insurance policies.

Roof Protection Plus

 Covers damage to your RV’s roof, including those caused by wear and tear and mechanical failure. The deductible for this insurance is $250.

#2. Allstate: Excellent Choice of Coverage

The Positives of Allstate

Both full-timers and recreational RVers can benefit from the useful array of insurance options provided by Allstate’s RV insurance. Even though the organization doesn’t appear to offer as many discount alternatives as some of its rivals, the ones it does provide are broadly relevant, so the majority of consumers can find a method to save on coverage.

Significant Rebates

Good Discount

Allstate provides a discount for including your spouse in your RV coverage. When you prefer to get your bills via email rather than the mail, you can save on your insurance.

Important Coverages

Full-Timer Liability

Protects you from liability claims if you live in your camper full-time. Similar to a homeowners insurance policy, this coverage operates. In the event that your RV breaks down away from home, emergency expenses will pay for food, housing, and other travel costs.

#3.  Nationwide

This insurer provides a wide range of alternatives available for all RVers, but it has a lot to offer full-time RVers in particular. For those who make their trailers their homes, full-timer coverage and round-the-clock roadside support can help to ensure a stress-free RVing experience. Of course, a wide range of discounts also contributes to the affordability of coverage for any RVer.

Significant Rebates

RV Association

Nationwide provides discounts to members of RV associations and related organizations. Furthermore, completing an authorized safety course will result in a discount.

Important Coverages

In the event that your RV breaks down, towing and labor costs are covered. The version of this policy offered by Nationwide additionally covers trip cancellation. Safety glass replacement insurance pays for the price of mending or replacing the windshield on your camper.

Good Sam RV Insurance

A wide range of auto insurance policies are available from Good Sam: Best for coverage. RV insurance is one such product. Customers who purchase RV insurance from Good Sam have access to several standard coverages as well as special premium protections.

Airstreams, fifth-wheel trailers, truck campers, travel trailers, and Class A, B, and C motorhomes, among other types of vehicles, are all covered.

  • Standard protections
  • Collision
  • Comprehensive
  • Protection against uninsured and underinsured drivers
  • Personal responsibility
  • Damage to property liability
  • Liability for bodily harm
  • Personal injury defense
  • premium insurance
  • Cost of optional full replacement
  • Full-time employees, emergency costs, and personal effects
  • Discounts

To assist you to minimize the overall cost of your policy, Good Sam offers a number of discounts in addition to customizable coverage. These reductions include, among others:

Discounts for multiple vehicles: Up to 20% when combining RV and auto coverage under one insurance.

Discount for annual coverage paid in full: Lower your rate when you pay for it all at once.

When you insure your house or apartment with Good Sam, you can save up to 10% on several policies. When you aren’t using your RV, suspend several coverages as part of the storage savings. You can reduce your premium by, on average, 53%.

What Insurance Should I have on my RV?

You should give liability coverage additional consideration because RVs are large vehicles that can cause significant damage in an accident. Liability for a motorhome is typically only covered by RV insurance. Liability protection for a travel trailer is often included in the policy for the car that is pulling it.

What State has the Cheapest RV Insurance?

Our analysis shows that the states with the cheapest RV  insurance premiums are Maine, New Hampshire, and Ohio. So, it stands to reason that these states may also offer some of the most affordable RV insurance.

Is RV Insurance a Good Idea?

Absolutely, you must have insurance if you operate a motorhome or other recreational vehicle. Depending on the state, a travel trailer or towable may or may not need insurance. No matter what the law requires, protecting your RV investment is always a smart move.

Do I Really Need RV Insurance?

Although many RV owners choose not to have insurance, you need to have car insurance if you drive an RV. Similar to a conventional car, most states mandate that motorized RVs carry a minimum level of liability insurance.

How can I Save on my RV Insurance?

#1. Combining Your Property Insurance

Bundling your policy with other types of Alberta Motor Association Insurance Company (AMAIC) personal property coverage (including house, renters, condo, and even extra RV insurance policies) acquired via AMA Insurance is an excellent method to possibly reduce your RV prices.

#2. Join the RV Plus or Premium Club

Wonderful news for AMA members: Plus or Premier RV members can save money on their RV insurance with AMA Insurance. If you don’t currently have a membership, there is a fantastic reason to upgrade it, but it’s not the only one.

#3. Continue to Maintain

Some of the most serious disputes involving RVs might arise while your trailer is being stored off-season. Some of these include the water system in your RV freezing, animals squatting in your house, and more.

How Much is Insurance for Full-Time RV  Living?

Full-time RVers spend more time driving their vehicles than regular RVers do, making them more likely to be involved in accidents or experience damage, even though it’s impossible to say how much more expensive full-time RV insurance will be for everyone.

Is it Expensive to Maintain an RV?

Your RV needs annual and seasonal maintenance, just like a car. You’ll likely need to spend between $1,000 and $2,000 a year to maintain an RV, however, this amount could be reduced if you do some of the work yourself.

How Much Does an RV Cost?

On the recent development, it costs between $1,000 and $1,500 per year. Yet, insurance costs vary depending on a number of variables, such as your residence and car’s worth.

Your policy will cost more if you reside in a risky area with severe weather that could harm your RV, such as hurricanes or blizzards. Low-risk drivers with clean driving records and moderate climates often pay less for insurance.

Also, many insurers provide discounts that may influence the price of your coverage. You can lower the cost of coverage if you choose an insurer that provides these reductions and take actions like installing anti-theft devices or enrolling in safety classes.


It’s crucial to acquire coverage that is customized to the type, lifestyle, and personal preferences when evaluating your RV insurance options. The majority of it providers have basic coverage options for both full-time and part-time RVers.


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