Best RV Insurance Companies | 2023 Discounts and Coverage

The right provider for your castle on wheels will keep your focus on the road ahead.

byRyan Tronier|
Motor home near the Great Sand Dunes, Colorado.
Motor home near the Great Sand Dunes, Colorado. Depositphotos

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BYRyan Tronier/ LAST UPDATED ON May 21, 2023

Ownership of recreational vehicles (RVs) has skyrocketed over the past few years, leaving many looking for the best RV insurance to protect their property and passengers. Cruising the country in a motorhome is a rewarding experience, but it should be a safe one, too. In order to help you with insuring your pride, joy, and mobile home-away-from-home, we’ve rounded up some of the best RV insurance companies to ensure that your family is well prepared for the open road.

This article may include references to products or services where The Drive has an affiliate relationship with the providing company. The Drive and its partners may earn a commission if you purchase a product through one of our links. Read more.

Summary List

Our Methodology

To choose the best companies and products for this list, the team at The Drive looked at a large number of financial products from various providers. We focused on cost, product features and options, ease of use, customer service, and past customer ratings as the most important factors in our ratings.

Insurance Companies We Recommend for RV Insurance

Best for full-time RV users: Progressive


  • Bespoke coverage for full-time RV users
  • Unique add-on coverage options for pet injury, roof protection, pest damage, and full-timer’s liability
  • Generous 25 percent disappearing deductible
  • Money-saving opportunities with multiple discounts
  • Quotes available online, by phone, and in person


  • Not all discounts are available in all states
  • Standard coverage doesn’t include roadside assistance or emergency expense coverage
  • Liability coverage doesn’t include travel trailers 


  • Class A, B, and C motorhomes, cargo and horse trailers, conventional trailers, fifth-wheel trailers, pop-up campers, truck campers, and utility trailers


  • Both full-time and part-time RV enthusiasts alike may enjoy Progressive’s selection of policies and add-ons that allow access to 24/7 services and coverage options.

Progressive is among the largest insurance companies in the U.S, and its standard RV coverage reflects the company’s status as one of the nation’s most competitive insurers, including comprehensive and collision, liability, uninsured/underinsured motorists, and medical payment assistance

Yet, its full-time RV insurance is where Progressive’s coverage shines, specifically its Disappearing Deductibles add-on that will give peace of mind to those who use their recreational vehicle as a primary residence (six months or more each year). With each annual policy in which you’ve had no accidents or violations, Progressive will subtract 25 percent from your comprehensive or collision deductible — reducing it to $0 after four years of an exemplary driving record. That’s a steep savings for when a policyholder is involved in a motor vehicle accident.

Progressive also extends a lineup of discounts to save even more on your policy, too, such as money off for prompt payment history, responsible driver, pay-in-full, original owner, claim-free renewal, paperless documents, and more.

Best for part-time RV users: Safeco


  • Bespoke coverage for part-time RV users
  • Generous $100 Diminishing Deductible for those who remain claim-free each year
  • Optional vacation liability add-on 
  • Money-saving opportunities with multiple discounts


  • No coverage for those who use their RVs more than 250 days each year
  • Not all coverage options available in all states
  • Standard coverage doesn’t include roadside assistance or emergency assistance coverage
  • Limited information available on website
  • Quotes only available via phone call


  • Class A, B, and C motorhomes, conventional trailers, fifth-wheel trailers, pop-up campers, toy haulers, truck campers, utility trailers, and horse trailers. 


  • Holidaymakers, weekend warriors, and part-time RVers may find Safeco’s specialty part-time insurance affordable and advantageous. However, full-timers will need to look elsewhere — Safeco doesn’t insure recreational vehicles that are used more than 250 days of the year.

Safeco is a branch of Liberty Mutual Insurance, one of the largest insurers in the U.S. It provides a range of coverages for RV enthusiasts who are only on the road for a portion of each year. Safeco offers standard and customized policies that can be tailored to fit the needs of most part-time RV users.

Safeco’s standard coverage includes what you’d expect — collision, comprehensive, etc. —but it also insures personal property, audio-visual gear, and other customizations installed aftermarket. You can personalize your policy with add-ons such as loan or lease protection, 24-hour roadside assistance, and lock and key replacement.

Safeco also offers a Diminishing Deductible for those who remain claim-free. Enjoy a $100 reduction from your collision deductible each annual policy renewal for up to five years until a maximum of $500 is reached. 

Furthermore, the insurer helps policyholders cut their premiums with an array of RV discounts. These range from standard multi-policy discounts to exclusive discounts for those who complete an approved accident-prevention course or who equip their vehicles with anti-theft devices.  

Best for multiple discount options: Nationwide


  • Money-saving opportunities with multiple discounts
  • Complimentary annual reviews to evaluate your policy costs
  • Optional trip interruption insurance that covers the cost of meals, transportation, and lodging


  • Limited information available on website
  • Quotes only available via phone call


  • Class A, B, and C motorhomes, conventional trailers, fifth-wheel trailers, pop-up campers, truck campers, utility trailers, and horse trailers. 


  • Households that prioritize affordability in an insurance policy may find what they’re looking for with Nationwide. While premiums vary widely depending on the customer, Nationwide provides a long list of discounts that savvy drivers can potentially take advantage of to save money. 

Formerly known as the Farm Bureau Mutual Automobile Insurance Company, Nationwide is one of the nation’s oldest and most well-established insurers, and it provides clients with an array of policies and coverage options for both part-time and full-time RV users.

Nationwide’s standard coverage includes bodily injury liability, property damage liability, collision, comprehensive, uninsured and underinsured motorist, and medical payments. Additionally, policyholders can customize their RV policy with add-ons such as roadside assistance, vacation liability, towing and trip interruption, and safety glass replacement.

Yet, perhaps Nationwide’s most compelling offering is its extensive roster of discounts. In addition to more common options, like multi-policy and multi-vehicle savings, you can reduce the cost of your premium by taking an RV safety course, being a member of an RV association, paying in full, having a claim-free record, and more.

Best for insurance bundles: Allstate


  • Generous multi-policy bundle discounts
  • Unique add-on coverage options for pet injury, sound systems, vacation liability, and full-timer’s liability
  • Over 55 and retired persons discounts


  • No good driver discounts
  • Limited information available on website
  • Quotes only available via phone call


  • Allstate’s website does not detail which specific classes and types of recreational vehicles it insures, so you’ll need to speak with an agent to determine if this insurer is right for you.


  • People who are looking for affordable RV insurance, but do not want to skimp on the coverage should know about Allstate. The premiums for this insurer’s well-rated coverage can be reduced dramatically by bundling RV insurance alongside your other household policies for auto, life, homeowners, and so on.

Founded in 1931, Allstate was originally a subsidiary of the venerable Sears and Roebuck Co. Now, it's a Fortune 500 company servicing both the U.S. and Canada. Allstate’s long shadow allows customers to turn to the insurer for a variety of policies including auto, life, renters, homeowners, motorcycle, and more. This bundling of policies helps drive down the cost of premiums due to Allstate’s multi-policy discounts. In essence, the more business you do with Allstate, the more you’ll save.

Further, this insurer offers additional discounts that will appeal to deal seekers. From commonplace paperless and pay-in-full discounts to more unique savings for motorists who are married or over the age of 55. Allstate may not have more discounts than its competitors — but it certainly gives policyholders opportunities to save money.

It provides a variety of coverage including bodily injury liability, property damage liability, collision and comprehensive, and total loss replacement. Part-timers and full-timers will appreciate Allstate’s vacation liability and full-timer liability, while pet parents will enjoy the peace of mind knowing their furry friends will be covered, too.

Best for coverage options: National General


  • Specialized equipment coverage
  • Total loss replacement coverage available for three years
  • Pause coverage for stored RVs
  • Storage discount for unused RVs


  • Coverage not available in all states
  • High volume of customer service issues
  • Limited information available on website
  • Quotes only available via phone call


  • National General’s website does not detail which specific classes and types of recreational vehicles it insures. You’ll need to speak with an agent to determine if this insurer is right for you.


  • RV enthusiasts who own premium motorhomes or who have expensive customizations will find National General’s wide range of coverage options appealing. Not only does this insurer offer extended total loss replacement coverage, it also insures almost any type of aftermarket installation or alteration, from solar panels to suspension.

While you’ll be quick to find online claims of poor customer service lobbed at National General — also known as NatGen — this dynamic insurance company furnishes clients with, perhaps, the most robust selection of coverage options for RV owners. In addition to most types and classes of motorhomes and trailers, NatGen will insure specialty equipment such as solar panels, custom wheels, body alterations, and so on.

Still, among NatGen’s assortment of coverage options, its total replacement policy may be the most exciting. In the unfortunate event that your recreational vehicle is totaled or stolen in its first three years, NatGen will replace it with a comparable, new vehicle. Beyond those first three years, your policy entitles you to receive the full original purchase price for a new RV. That’s real value for money.

Plus, policyholders can cut the costs of their premiums when they take advantage of the numerous discount options available to them, including discounts for when your RV is in storage, going paperless, paying your policy in full, having low mileage, being a safe driver, and more.

Best for customer service: Auto Owners Insurance


  • Well-documented history of customer satisfaction
  • Manage claims and account online and through mobile app


  • Not available in all states
  • Limited information available on website
  • Quotes only available via phone call


  • Policyholders who value reliability over cost with their insurance company might find Auto Owners Insurance’s customer satisfaction scorecard attractive. 


  • Auto Owner’s website does not detail which specific classes and types of recreational vehicles it insures. You’ll need to speak with an agent to determine if this insurer is right for you.

Boasting multiple reports of above-average customer service — most notably from TIME — it’s no wonder that Auto Owners Insurance was awarded a five-star review by NerdWallet. With fewer complaints than other insurance providers, Auto Owner Insurance specializes in customer satisfaction, according to data from the National Association of Insurance Commissioners (NAIC).

It’s this dependability that resonates with RV owners who prioritize quality service when they need it most — after an accident, theft, injury, or another unexpected tragedy. Auto Owners offers roadside assistance, medical payments and personal injury protection, bodily injury and property damage liability, collision and comprehensive, and uninsured and underinsured motorist coverage.

Additionally, this insurer features the usual lineup of discounts, like multi-policy and pay-in-full. But it also offers savings to customers who request quotes prior to their policy dates and those who make on-time payments for 36 months in a row.

Average Cost of Insurance for RVs

While the cost of RV insurance will vary widely depending on the insurance company, policy prices are largely determined by a number of factors including:

  • Age and value of the RV
  • Type or class of vehicle
  • How often you use your RV
  • Where you live
  • Your claims history
  • Your driving record and experience

According to data published by Progressive, the average cost of RV insurance is around $125 per year for small trailers to around $1,000 annually for large motorhomes. As a rule of thumb, the more expensive the recreational vehicle, the more costly the premium. 

Still, policyholders can save money on their premiums by taking advantage of discounts offered by their insurer for having a good driving record, pre-paying policies, or taking an RV safety course.

How to Save on Insurance

Shopping for the lowest rate for your RV insurance can be intimidating, but it’s easier than many people think. Here are a few tips to find your best coverage and save money on the premium.

  • Know your RV’s value. Determining the value of your motorhome before shopping for quotes will inform your coverage needs. NADAguides can provide the ballpark value for your RV.
  • Get multiple quotes. It’s generally considered a best practice to compare 3-5 quotes before deciding on an insurance policy. Be sure to request quotes for similar types of coverage, and don’t be afraid to make insurers compete for your business by leveraging a lower quote against a higher one. It never hurts to ask.
  • Improve your credit score. While your credit reports generally show lenders your creditworthiness, insurance servicers also use your credit score to predict the odds that you’ll file a claim. Common ways to increase your score include paying down high-interest debt, making on-time payments, and keeping your credit utilization ratio below 30 percent.
  • Consider bundling your RV insurance policy. Most insurance companies offer multi-policy discounts to customers who bundle different policies. For example, bundling your car insurance with your RV insurance could reward you with a deep discount.
  • Look for insurance providers that offer numerous discounts. Bundling your insurance policies isn’t the only way to save money on your RV insurance. Find insurers who offer multiple types of discounts. We show you some common policy discounts below.

Here’s how to look out for discounts and which ones we’d recommend:

  • Responsible driver: Motorists often score substantial savings when they can show a driving history free of at-fault motor vehicle accidents or violations. Time periods vary by insurer, but generally two to three years of a clean record will qualify
  • Claim-free renewal: Similar to a responsible driver discount, some insurance companies will grant discounts to customers with no at-fault claims when they renew their policies
  • Multi-policy: Loyalty pays, and discounted premiums commonly go to those who hold additional policies — such as auto insurance and homeowner’s insurance — with their RV insurance company 
  • Original owner: Regardless of the age of the motorhome, original owners frequently earn policy discounts
  • Pay-in-full: Many insurers offer discounts when you pay your entire annual policy upfront
  • Storage discounts: Weekend warriors will appreciate reduced premiums when they put their unused recreational vehicle in storage.

Essential Cost Variables for Insurance

As with everything, there are a host of variables that will affect the cost of your insurance as no two people are exactly alike. With that in mind, here are the variables that’ll change the cost of your insurance. 


Age plays a significant role in determining the cost of insurance, with teen drivers paying the highest rates. Some data suggests that 16-year-old drivers pay over 300 percent more than their 55-year-old counterparts.


While the use of gender to influence auto insurance costs is increasingly coming under more scrutiny, there is data to show that men pay higher rates than women. Still, as drivers age, this gender gap tapers as both begin to pay similar rates. 

Keep in mind that California, Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania all have laws forbidding insurers to use gender as a determining factor in the cost of insurance.

Credit Score

Insurance providers use your credit history to forecast the likelihood you’ll file a claim.  

As a rule of thumb, the lower your credit score, the more you’ll pay for insurance. Drivers with “exceptional credit” save $1,537 per year, compared to those with “very poor” credit, according to data from The Zebra.   


When it comes to the cost of insurance premiums, your ZIP code matters. In addition to risk assessments based on nearby crime rates, traffic congestion, and environmental threats, motor vehicle insurance is largely regulated by individual states. 

Data suggests that policyholders in states like Iowa and Wisconsin pay, on average, less than $400 per year for car insurance. On the other hand, those living in Florida and Michigan may pay upwards of $2,000 to $4,000 for similar coverage. 

Additionally, drivers in rural areas will typically pay lower premiums than those in crowded metro areas.


The class of your recreational vehicle is one of the primary details that will decide the cost of your RV insurance. 

  • Class A motorhomes are generally the most expensive to insure. These are larger recreational vehicles that are manufactured on chassis designed for buses
  • Class B motorhomes are less expensive to insure. These vary in size and are commonly referred to as campervans
  • Class C motorhome insurance is usually priced between classes A and B. These are mid-sized RVs with built-in cabins
  • Trailers may not require RV insurance, but it depends on your current auto insurance policy. These include anything that is towed with another vehicle, including conventional trailers, fifth-wheel trailers, pop-up campers, truck campers, utility trailers, and horse trailers

Type of Coverage

You’ll want to secure an RV policy that is personalized for your lifestyle and how you plan on using your motorhome. 

People who will use their recreational vehicle for a couple of family vacations each year should look into part-time insurance or coverage that offers discounts for low mileage or parking RVs in storage. 

Full-timers — those who use their RV more than half the year or as their primary residence — may want to consider a full-time policy, full-time liability, or a similar package.

While titles and premiums may vary by provider, these are the common types of RV coverage:

  • Bodily injury liability: Covers medical costs for others
  • Property damage liability: Covers damages to other’s property
  • Collision: Covers damage to your RV due to roadway accidents
  • Comprehensive: Covers damage unrelated to roadway accidents, like fire or theft
  • Uninsured or Underinsured motorist: Covers damage to your RV from other motorists
  • Personal injury protection: Covers medical costs for you and your passengers


You’ve got questions. The Drive has answers. 

Q: Should I buy RV insurance?

A: Yes, when your RV has its own engine and steering wheel, you’ll need an RV insurance policy that covers your recreational vehicle when it is both on the road and settled as a residence (for example, parked at a campsite). While motorhomes are required to carry minimum liability coverage across the U.S., additional coverage requirements will vary by state. For instance, many states mandate uninsured and underinsured motorist insurance, but not all. Yet, insurance is not always required if your recreational vehicle is being towed by an automobile. In these instances, auto insurance policies often have provisions that cover hitched trailers and towed campers.

Q: What is an RV policy?

A: An RV policy is insurance coverage for a recreational vehicle. Typically, if you tow a trailer or camper behind your automobile, you may not need an RV policy. However, if your recreational vehicle moves on its own, then you have a motor vehicle that requires an RV policy. These policies vary according to your needs, but most insurers offer standard coverage like bodily injury liability, property damage liability, collision, comprehensive, uninsured and underinsured motorist, and medical payments.

Q: Can I drive a motorhome on my car insurance?

A: Generally, no. Because motorhomes are used differently from cars, you’ll need a separate insurance policy to operate a recreational vehicle. While RVs are on wheels, like a car or truck, they are also essentially a house and, as such, need liability coverage consistent with a residence. An exception may be when you are towing a utility trailer or a camper, but this will depend on the terms of your current auto insurance policy.

Why Trust Us

Our reviews are driven by a combination of hands-on testing, expert input, “wisdom of the crowd” assessments from actual buyers, and our own expertise. We always aim to offer genuine, accurate guides to help you find the best picks.

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