best place for rv insurance 2024

In the sections below we’ll summarize our top picks for the best RV insurance companies, what we like about them, and what makes them stand out from the competition.

#1 Progressive: Editor’s Choice

What We Like About Progressive RV Insurance

Progressive beat out the other RV insurance providers due primarily to its range of coverage options and discounts. Both show that the company understands the RV lifestyle and what RVers want from their insurance policy. Just like it does with its boat insurance, Progressive provides policyholders with truly useful specialty coverage options and savings opportunities.

Notable RV Insurance Coverages

• Roof Protection Plus^®: Covers damage to your RV’s roof, which is one of the most common sites of problems on a camper. Your RV must be less than six years old to be eligible for this coverage.
• Pest damage protection: Covers damages from non-domesticated animals such as rodents, birds or insects. Only RVs fewer than six years old are eligible.

Notable RV Insurance Discounts

• Prompt payment: Progressive discounts your first payment when you make it on time. You’ll receive this discount as long as you continue to make your payments in a timely manner.
• Original owner: You can get a discount if you’re the first owner of your camper and purchase comprehensive and collision coverage.

Keep reading: Progressive RV insurance review

#2 Good Sam: Best for Mexico Travel

What We Like About Good Sam RV Insurance

The Good Sam Insurance Agency is a broker rather than a direct provider of RV insurance. The agency works with some of the most trusted names in the industry, including several on this list, to find the right coverage for its customers’ needs. Travelers looking to head south of the border should especially consider the company, as it’s one of only a few that specializes in RV coverage in Mexico.

Notable RV Insurance Coverages

• Full-timer: This covers your RV if you use it as your primary residence.
• Emergency expenses: Part of your accommodation costs and more will be covered if your RV breaks down and interrupts your travel plans.

Notable RV Insurance Discounts

• Storage option: If you store your RV for an extended period of time, you can get a discount on your policy. However, your RV will not be covered if it’s damaged outside its storage location during this period.
• Anti-theft: Good Sam offers a discount on your policy if you install anti-theft devices such as alarms.

#3 Geico: Good Customer Service

What We Like About Geico RV Insurance

While the provider offers a well-rounded portfolio of camper insurance products, Geico’s reputation for customer service across the greater insurance industry is what makes it stand out. With policies and add-ons that work well for both full-time RVers and recreational campers, most RVers can find what they need at Geico.

Notable RV Insurance Coverages

• Special windshield deductible: You’ll get windshield repairs for free and replacements for a $50 deductible.
• Replacement cost personal effects: This covers the full replacement cost of damaged or stolen personal belongings. Policies include between $1,000 and $5,000 of personal effects coverage, but coverage limits of up to $100,000 are available with policy add-ons.

Notable RV Insurance Discounts

• Commercial driver license (CDL): Drivers who have a CDL are eligible for a discount on Geico RV insurance.
• Defensive driving course: You can get a discount on your RV policy if you complete an approved defensive driving course.

Keep reading: Geico RV insurance review

#4 Nationwide: Best RV Insurance for Full-Timers

What We Like About Nationwide RV Insurance

Nationwide offers a quality selection of coverage options for all RVers, but the company should be on the radar of any full-timer looking for camper insurance. With the options available, people who use their RV as their primary residence can find coverage for almost any situation. A good selection of discounts helps make that coverage even more affordable.

Notable RV Insurance Coverages

• Vacation liability: This covers medical expenses and property damage to other parties from your camper while it’s parked. For example, if your RV catches fire at a campground and damages an adjacent camper, the vacation liability coverage add-on will cover that.
• Towing and labor: The cost of towing your vehicle and on-site labor if it breaks down on the road will be covered. Nationwide’s towing and labor package includes trip interruption coverage to help take care of lodging and food expenses if your RV breaks down.

Notable RV Insurance Discounts

• RV safety course: Completing an approved RV safety course can earn you a policy discount at Nationwide.
• RV association: If you belong to an RV club or owners association, you’ll be eligible for a discount.

#5 Allstate: Good Coverage Selection

What We Like About Allstate RV Insurance

Allstate has one of the larger selections of coverage add-ons that we saw in our study, with great insurance options for both full-time and part-time RVers. The provider is one of several that includes RV coverage in its multi-policy discount, making it a good choice for bundling. With pet insurance included in standard policies, people who bring their furry friends camping or living with them will want to consider Allstate.

Although all RV policies are underwritten by Allstate, note that the company provides its RV coverage through National General, which is owned by Allstate.

Notable RV Insurance Coverages

• Tow bar: This covers your tow bar — which often isn’t covered under RV policies — if damaged in an accident.
• Full-timer liability: Your liability claims on your RV are covered if you use it as your residence for more than six months out of the year, similar to a homeowners policy.

Notable RV Insurance Discounts

• Married discount: You can get a discount if you add your spouse to your RV policy.
• Paperless: Save on your coverage when you choose to get your bills via email rather than by physical mail.

Keep reading: Allstate RV insurance review

#6 State Farm: Best for Local Service

What We Like About State Farm RV Insurance

As the country’s largest insurer, it’s no surprise that State Farm offers quality RV coverage. In every insurance category, the prevalence of in-person offices with helpful local insurance agents is one of the company’s biggest strengths. That’s also true when it comes to RV insurance. People who have other policies with State Farm or prefer to do insurance business in person will want to take a look at the company.

Notable RV Insurance Coverages

• Personal articles: This covers anything that isn’t permanently attached to your RV such as jewelry, medical devices, computers and more.
• Roadside assistance: Various emergency roadside services are covered — such as fuel delivery or flat tire replacement for RVs. State Farm’s website suggests that not all vehicles are eligible for this coverage.

• of your RV drives a major part of your premium since more expensive RVs cost more to cover.
• Usage: Full-timers pay more for coverage than RVers who live elsewhere and use their campers solely for travel.
• RV driving experience: Insurers often offer lower rates to people who have more experience behind the wheel of a camper.
• Location: Just like with auto insurance, where you consider home base for your camper plays a role in your RV premiums.
• Credit score: In most states, insurers can adjust your rates based on your credit score. People with good credit scores will find lower rates than those with average or poor credit scores.
• Coverage: The types of coverage and limits you choose factor into your premium.

RV Insurance Discounts

Any discounts that are applied to your policy will factor into the cost of RV insurance. Many of the discounts you’ll see for camper insurance will look familiar to auto and home insurance customers, but some are specific to the RV world.

These are some of the most common RV insurance discounts you’ll find:

• Multi-policy: Combine your RV policy with your auto insurance policy, homeowners insurance, renters insurance or life insurance policy
• Multi-vehicle: More than one camper on the same policy
• Responsible driver: If you’re a safe driver who goes for an extended period of time without an accident or traffic violation
• Paid in full: Pay for your entire policy up front rather than across monthly payments
• Safety course: Complete an approved RV safety course
• Association: For those who belong to RV clubs and organizations
• Military: For active-duty service members, veterans and their families
• Private passenger: Your RV coverage and auto insurance are specifically on the same policy
• Storage: Applies when you agree to keep your camper in storage for an extended period of time, but your insurance likely won’t cover the damages if you get into an accident during your storage period
• Claim-free: If you go for an extended period of time without filing any insurance claims