AutoInsurance.com
Icon CheckLast updated: November 4, 2022

The Best Insurance for RVs

Learn about the best insurance options for protecting your RV and belongings.

Best Overall
Foremost Insurance Logo

Foremost, a specialty insurance company owned by Farmers, provides a full suite of RV coverages along with exceptional customer service and flexible discounts.

Best for Bad Records
National General logo

National General offers the best RV insurance for people with spotty driving histories, since it specializes in providing SR-22s as well as policies for higher-risk drivers.

If you own an RV, you have the ultimate flexibility of both driving and living in your vehicle. While this is useful on the open road, it can complicate insurance coverage.

After all, if you live in your RV full time, do you need to purchase homeowners or auto insurance? What if you only live there part-time? How do you protect your belongings that stay in the RV? We sift through the noise to provide top recommendations for RV insurance coverage that balance coverage, affordability, and customer service.

Comparison of the Best RV Auto Insurance

Category #1. Foremost #2. National General #3. Progressive #4. Auto-Owners #5. Nationwide
What it’s best for Overall Bad records Full-timers Customer service Bundlers
Availability U.S.-wide U.S.-wide U.S.-wide AL, AZ, AR, CO, FL, GA, ID, IL, IN, IA, KS, KY, MI, MN, MO, NE, NC, ND, OH, PA, SC, SD, TN, UT, VA, WI U.S.-wide
J.D. Power customer satisfaction rating (out of 1,000) N/A 803 819 900 798
Mexico coverage? No Yes Yes Yes No
Travel insurance? No No Yes No Yes
Storage discount? No Yes No No No
Mileage tracking discount? No Yes Yes No Yes
Rental reimbursement coverage? Yes Yes Yes Yes Yes
Read full review Coming Soon N/A Progressive review N/A Nationwide review

Summary of the Best RV Auto Insurance

  1. 1.

    Best RV Auto Insurance Overall: Foremost

  2. 2.

    Best RV Auto Insurance for Bad Records: National General

  3. 3.

    Best RV Auto Insurance for Full-Timers: Progressive

  4. 4.

    Best RV Auto Insurance for Customer Service: Auto-Owners

  5. 5.

    Best RV Auto Insurance for Bundlers: Nationwide

Detailed List of the Best RV Auto Insurance

1. Best RV Auto Insurance Overall - Foremost
Foremost Insurance Logo

What We Like Most:

  • Three convenient plans to choose from
  • Options for rideshare drivers
  • Protection for child safety seats and special parts

You can’t go wrong with RV insurance from Foremost, America’s first mobile home insurance provider. The company provides top-notch protection to full- and part-time occupants alike while supporting a full range of RV types such as travel trailers and motorhomes.

ProsWho It's Best For
  • pro
    People who want the most flexible RV insurance coverage
  • pro
    People who want the security of the oldest mobile home coverage in America
  • pro
    People who already have auto coverage from Farmers, as they are eligible for additional discounts
  • pro
    RV owners with safe equipment
ConsWho It's Not Best For
  • con
    People who want a highly rated mobile app experience
  • con
    People who want the absolute lowest price

Robust Baseline RV Coverage

Foremost RV insurance combines a significant amount of coverage under a single policy. The company’s baseline motor home policy includes:

  • Towing and roadside assistance: Whether you need towing, jumpstarts, or a locksmith, Foremost’s robust roadside assistance coverage will cover your RV in emergency situations.
  • Vacation liability coverage: If you use your RV for recreational purposes, Foremost covers you when you are parked and using it as a dwelling.
  • Personal property replacement cost coverage: This coverage protects your personal belongings in your RV if they are damaged or stolen. Note that this is different from comprehensive coverage for auto theft, as this only applies to your RV and its parts, not your personal belongings.
  • Emergency expenses coverage: Foremost pays for lodging if your rig is damaged or destroyed in a covered loss that occurs at least 50 miles from home.

Foremost’s baseline RV insurance should meet the needs of most part-time occupants, making it an easy choice for many owners.

Optional RV Add-Ons

If you want more protection, or if you live in your RV full time, Foremost offers a full range of add-on coverages:

  • Total loss settlement: Similar to gap insurance coverage, this add-on will replace your RV with a brand-new equivalent unit in the event of a total loss, whereas typical policies only pay the actual cash value for damages.
  • Other-than-collision coverage: Foremost’s unique other-than-collision coverage applies to direct and accidental losses including fire, flood, hail, collisions with animals, theft, and earthquakes. Additionally, it covers permanently-attached structures to your RV, like awnings or satellite dishes. Other-than-collision coverage is comparable to comprehensive coverage that you can buy with traditional car insurance.
  • Comprehensive liability coverage: If you live in your RV full-time, you’ll need to add Foremost’s comprehensive liability coverage to your insurance policy. Such coverage provides liability protection similar to what you would get with homeowners insurance, meaning it pays for bodily injury and property damage claims resulting from an at-fault incident in your RV.

Safe Equipment and Multiple Policy Discounts

Farmers Insurance owns Foremost, which serves as its specialist for non-standard coverage. If you already have a policy from Farmers or plan to get one, Foremost is an easy choice for RV insurance. By consolidating policies, you’ll unlock a multipolicy discount, which applies across Farmer’s owned brands.

Additionally, you’ll earn more discounts if you have safety features in your RV. For instance, if you have factory-installed airbags, anti-lock brakes, or sway protection, you can receive discounts on your Foremost premiums. You may already have these features installed, so be sure to list them all when you get a quote.

TIP


If you own a custom-built RV unit, report all your customizations to your insurance agent. This will ensure maximum coverage for your property in the event of an accident, as well as eligibility for safety feature discounts.

2. Best RV Auto Insurance for Bad Records - National General
National General logo

What We Like Most:

  • Personal and commercial policies available
  • Lower rates for good drivers with DynamicDrive app
  • Report claims, and get reimbursed, within 48 hours

Known for its policies for high-risk drivers, National General provides best-in-class RV insurance at affordable rates.

ProsWho It's Best For
  • pro
    High-risk drivers who need SR-22s
  • pro
    Motorcycle, ATV, or personal car owners that want to consolidate coverage
  • pro
    People that live in their RVs part-time
  • pro
    Travelers to Mexico
ConsWho It's Not Best For
  • con
    Drivers that want the absolute lowest rates
  • con
    People who want to bundle pet injury coverage or travel insurance policies
  • con
    People who require a mobile app

Bundle Your National General Policies

You can earn significant savings by combining your coverage for other vehicles under National General policies. National General offers an impressive array of other insurance types, including the following:

  • Homeowners
  • Condo
  • Renters
  • Health
  • Accident
  • Personal auto
  • Motorcycle

Bundle any of these options to save big on National General RV insurance. With a multivehicle discount, you may be able to save up to 20 percent per year.1

Not only will you save money, but you’ll also avoid the hassle of managing multiple policies. Consolidation can simplify the claims process, as well; if two or more of your vehicles get into the same accident, you’ll make a single claim and pay a single deductible, saving you money in the long run.

Discount for RVs in Storage

Do you leave your RV in your garage, driveway, or some other storage for significant amounts of time while you’re not using it? If so, National General’s storage discount can save you money.

The discount automatically suspends unnecessary parts of your coverage while you store your RV. Even if your RV qualifies for the storage discount, it remains covered against threats like fire and theft, much like the comprehensive coverage you might buy for your regular car. You just won’t pay full price for your coverage while you’re not on the road.

Be aware, however, that National General does not protect your RV against collisions with other vehicles while in storage. If you are worried about dings from other RVs while in storage, consider carrying collision coverage for the full year.

Specialty Coverage for High-Risk Drivers

National General believes in second chances. The company has you covered if you have a history of DUIs and need an SR-22 or FR-44. Many states require such forms to prove you have the proper amount of insurance coverage given your spotty driving history. National General is a top provider of insurance for high-risk drivers — just be aware that you may need to take a safe driving and/or substance use therapy course to be eligible for coverage.

3. Best RV Auto Insurance for Full-Timers - Progressive

What We Like Most:

  • Save up to 12 percent for insuring multiple cars
  • Coverage available for teen drivers and their parents
  • Rates 25 percent lower than the national average

If you live in your RV for over six months out of the year, Progressive should be a top choice for insuring your vehicle with its full suite of liability coverages.

ProsWho It's Best For
  • pro
    Full-timers who live in their RVs for at least six months out of the year
  • pro
    People with histories of safe RV driving
  • pro
    Drivers who want to add pet and travel insurance to their policies
  • pro
    People who want to spend a long time with their insurer
ConsWho It's Not Best For
  • con
    People who store their RV for most of the year

Stay Covered in Emergencies

Progressive’s comprehensive and collision coverages protect your RV in the event of physical damage from both acts of nature and accidents.

You can add Progressive’s RV Roof Protection Plus coverage as well, which covers the cost of both wear-and-tear and accidental damage to the roof. This coverage even protects against damages that a malfunctioning roof can cause to other parts of your RV.2

Be aware that all of the above coverages come with a deductible that you must pay before Progressive will begin covering your repairs.

If you get into a covered RV accident more than 50 miles from home, Progressive will pay for your transportation and housing costs for up to $2,000. This coverage will help pay for hotel and rental car costs while your RV is in the shop as well. And if your RV is totaled in an accident, Progressive will replace it with a comparable model, even if that costs more than what you paid originally.

Full-Timers Coverage

Most recreational RV policies include vacation liability coverage, which covers you for injury or damages that occur on short trips. This is perfect for those that use their RVs occasionally for family vacations.

If you live in your RV for more than six months in a year, however, many companies consider you a full-timer. You’ll need to purchase full-time RV insurance, which covers you and your guests against liabilities and injuries in a similar way that homeowners insurance protects visitors to your home.

Progressive’s full-time RV insurance includes the following.

  • Personal liability insurance: This pays for property damage and injuries that you are responsible for from an incident that occurs while you are parked (for example, if someone trips and falls while entering your RV due to a faulty staircase).
  • Medical payments: Medical payments coverage covers medical expenses for anyone injured in or near your parked RV.
  • Loss assessment: This covers repairs to common areas or other property in the area where you park your RV.

Note that these coverages kick in when your RV is parked. If an accident occurs while you are driving, then your recreational RV insurance policy will provide coverage.

DID YOU KNOW?


If you are a full-timer that lives in your RV, you need to purchase additional liability coverage to protect you and the people around you. This coverage applies only when your RV is parked, typically.

Loyalty Discounts

Sometimes you can save by sticking to a single insurance provider for a longer period of time. Progressive provides a variety of discounts that reward loyalty to the company:

  • Accident forgiveness: From the moment you start your coverage, Progressive forgives accidents with claims of $500 or less automatically, meaning your rates won’t increase after a small accident. Once you’ve spent at least four accident-free years as a Progressive RV insurance customer, your rates will not go up after an RV accident of any size.
  • Disappearing deductible: After each year on your RV policy with zero claims, Progressive will reduce your deductible by 25 percent. This discount applies year after year, meaning you can reduce your deductible almost all the way down to $0!
  • Claim-free renewal: Each time you renew your Progressive RV policy, you’ll get an automatic discount on your rate if you have zero at-fault claims.
  • Multipolicy discount: You’ll get a discount when you bundle other types of Progressive policies like homeowners, motorcycle, or boat insurance.
4. Best RV Auto Insurance for Customer Service - Auto-Owners
Auto-Owners Insurance logo

What We Like Most:

  • Classic car and converted or modified cars covered
  • Roadside assistance and gap coverage available
  • Save by enrolling in paperless billing

Auto-Owners is a lesser-known brand, but RV owners who live in its coverage areas can benefit from its low premiums and top-notch customer service.

ProsWho It's Best For
  • pro
    People who want RV roadside assistance
  • pro
    People who prioritize customer service
  • pro
    People who want the cheapest premiums
  • pro
ConsWho It's Not Best For
  • con
    People who live outside Auto-Owners’ coverage zone, including the following areas:
    • Alaska
    • California
    • Connecticut
    • Delaware
    • Washington, D.C.
    • Hawaii
    • Louisiana
    • Maine
    • Maryland
    • Massachusetts
    • Mississippi
    • Nevada
    • New Hampshire
    • New Jersey
    • New Mexico
    • New York
    • Oklahoma
    • Oregon
    • Rhode Island
    • Texas
    • Washington
    • West Virginia
    • Wyoming
  • con
    People who store their RVs for part of the year
  • con
    People with drivers under the age of 25 on their policy

Roadside Assistance for Your RV

Auto-Owners’ Road Trouble Service covers you in the event of minor mechanical malfunctions on the road. Whether you have a flat tire, a dead battery, or an empty gas tank, Auto-Owners will dispatch a certified mechanic in the area who will come help. This is a useful perk for drivers who don’t have AAA or another roadside assistance program. Road Trouble Service is available across the United States and Canada, 24 hours a day, seven days a week.3

Older Drivers Save More

Auto-Owners offers two discounts for older RV drivers.

  • Mature drivers discount: This rewards RV owners who don’t list anyone younger than 25 on their insurance policies. You’ll save more the older you are, especially if you have a spotless driving history.
  • Driver safety program discount: This applies to drivers over the age of 50. If you have any drivers on your policy who are over 50 years old, they can complete a driver safety program in their home state. Once they receive a certificate, they’ll receive a discount on their Auto-Owners policy.

Highly Rated Customer Service

Auto-Owners is known for quality customer service. Out of all the car insurance companies on our list, Auto-Owners received the highest J.D. Power Customer Satisfaction rating: 900 out of 1,000, in part due to Auto-Owners’ ability to pay out claims quickly and efficiently.4

Auto-Owners partners with independent insurance agents that specialize in RV coverage. The company processes claims quickly, meaning that after an incident, you won’t have to wait long to receive the money you need. This combination of personalization and speed makes Auto-Owners a top choice for customer service.

5. Best RV Auto Insurance for Bundlers - Nationwide

What We Like Most:

  • Discounts for taking a defensive driver course
  • Network of local agents
  • Usage-based insurance program for low-mileage drivers

Nationwide’s RV insurance is best when you combine it with the company’s other offerings such as pet, travel, ATV, and motorcycle insurance.

ProsWho It's Best For
  • pro
    People that would like to consolidate their insurance policies with a single company
  • pro
    People that store their RVs for at least one month per year
  • pro
    People that want roadside assistance
ConsWho It's Not Best For
  • con
    People who store their RV for most of the year
  • con
    People who want the highest-rated company for customer satisfaction

Discounts for RV Expertise

Nationwide provides two relevant discounts for people that take RV knowledge and safety seriously. You can save on your premium when you complete a state-approved RV safety course. For instance, you can take the RV Safety and Education Foundation’s RV Foundations Workshop, a three-day technical and lifestyle class that costs about $200.5

Additionally, you may qualify for discounts if you belong to an RV club such as the National RV Owners Association.6 Nationwide’s RV discounts are great ways to turn your passion for campers into direct savings on your RV insurance.

Options for Different Types of RVs

Different types of RVs require different levels of coverage. Nationwide offers RV insurance for multiple types of campers, including those listed below:

Vehicle type Examples
Motorized RV Class A (22-40 feet)

Class B (15-22 feet)

Class C (22-35 feet)

Towable RV Travel RV trailer, folding pop-up camping trailer, truck camper, expandable trailer, fifth-wheel trailer, sport utility RV

The cost and coverage needs for each type of recreational vehicle depend on its size, features, age, and history. For accurate results, report the type of camper you own when you request an online quote.

Save Big by Bundling

Consolidate your insurance policies with Nationwide to unlock big savings on your RV insurance premiums. Nationwide has a wide range of insurance options:

  • ATV
  • Boat
  • Classic car
  • Condo
  • Dental
  • Flood
  • Golf cart
  • Homeowners
  • Life
  • Motorcycle
  • Personal auto
  • Pet
  • Renters
  • Scooter
  • Snowmobile
  • Travel
  • Umbrella
  • Wedding

You can stack discounts based on multiple policies as well as multiple vehicles within a policy, all the way up to 20 percent off your original premium.

Methodology

At AutoInsurance.com, we use a comprehensive research methodology to give you the best RV insurance recommendations:

  • Insurance provider information: Insurance companies offer a lot of information about policies and plans online. To make our recommendations, we start with data from providers’ websites, getting primary information straight from the source.
  • Third-party reviews: Organizations such as AM Best, the Better Business Bureau, Moody’s, S&P, and the National Association of Insurance Commissioners provide objective third-party ratings about insurance companies. We pull data from each of these sources in our quest to provide the best recommendations.
  • Proprietary data: We take advantage of our best-in-class insurance database, containing millions of proprietary data points between the insurance providers and their customers.
  • In-house knowledge: We round out our advice by leveraging advice from in-house insurance experts. For example, Paul Ford, President of Insurance at Centerfield, AutoInsurance.com’s parent company, has spent decades in the insurance industry. We combine Paul’s institutional knowledge with our other data sources to provide coverage recommendations.

Frequently Asked Questions

Do I need homeowners insurance for my RV?

Even if you live full-time in your RV, you do not need to purchase homeowners insurance for it. Instead, you should buy full-time RV insurance coverage, which offers similar liability protections to homeowners insurance when your RV is parked.

Do I need RV insurance for towable trailers?

In general, you do not need to carry insurance coverage for a towable RV, unless you are financing or renting it. Your personal auto insurance usually covers liability for your towable trailer. However, you can purchase optional towable RV coverage. This coverage tends to be cheaper than motorhome coverag,e since towable rigs cost less to repair and replace.

What factors impact the cost of RV insurance?

  • Usage: The more days you use your RV per year, the higher your premiums will be.
  • Type of RV: Towable RVs tend to be cheaper to insure than motorhomes.
  • Age and condition of RV: Newer, luxurious RVs tend to be more expensive to insure than older vehicles because of their higher resale values. But an old, poorly-maintained vehicle may generate higher premiums due to the increased likelihood of claims.
  • Location: As with traditional car insurance, RV insurance costs vary depending on where you live. Michigan has the highest premiums for RV insurance, on average.
  • Driving record and experience: If you have a long driving history and a clean record, you will likely earn lower premiums. The reverse is true if you have no or a poor driving record.

Do I need RV insurance?

Every state requires liability insurance for Class A or B motorhomes that you drive on the road. Additional requirements vary by state and your specific situation. For instance, if you finance your camper, your lender may require you to carry RV insurance even if your state does not require it legally. Additionally, you may decide you want optional coverages like custom equipment or pet injury, given your specific needs.

Citations

  1. RV Insurance. National General. (2022).
    https://nationalgeneral.com/insurance/rv-insurance/

  2. Protect your RV against pests and roof issues. Progressive. (2022).
    https://www.progressive.com/lifelanes/adventure/rv-pests-roof-issues/

  3. Road Trouble Service. Auto-Owners Insurance. (2022).
    https://www.auto-owners.com/claims/road-trouble-service

  4. Surge in Digital Home Insurance Claims during COVID-19 Drives Faster Cycle Times and Improved Customer Satisfaction, J.D. Power Finds. J.D. Power. (2021, Feb 25).
    https://www.jdpower.com/business/press-releases/2021-us-property-claims-satisfaction-study

  5. RVSafety. https://rvsafety.com/workshop

  6. Today’s Featured RV Topics. National RV Owners Association. (2022).
    https://www.nrvoa.com/