What do I need to know before buying RV insurance online?

Before purchasing RV insurance, you'll need to gather all the necessary details about your RV, like its make, model, year, and mileage. You'll also need to know how much coverage you want for liability, collision, and personal belongings. You'll be asked questions about how often you use your RV and whether you'll be living in it full-time, as that can affect the type of coverage you need. You should always compare quotes from different companies to find the best rate for coverage that fits your lifestyle.

What's the difference between RV insurance and regular auto insurance?

RV insurance covers not only driving risks, like auto insurance, but also living-related risks if you use your RV as a home. RV-specific policies can include protection for your personal belongings, liability coverage for injuries on your "property," and coverage for emergencies or roadside assistance. Regular auto insurance doesn't usually offer these kinds of protections, so it's essential to get a policy designed for RVs.

How can I find the best RV insurance rates online?

To find the best rates, compare quotes from multiple insurers and look for discounts like safe driver rewards or bundling with other insurance policies. Online tools make it easier to enter your RV's details once and get multiple quotes. Make sure to compare not just the price, but the coverage options, limits, and exclusions, as cheaper policies may not offer the protection you need.

Does my RV insurance cover full-time living?

Some RV insurance policies include coverage for full-time living, which is similar to homeowners insurance. It protects against personal liability, theft, and damage to your belongings while you're living in the RV. Be sure to let the insurance company know if you live in your RV year-round, as this might require special coverage that isn't included in part-time RV insurance.

What are the types of coverage I should look for in an RV insurance policy?

When buying RV insurance, look for coverage that includes liability, collision, and comprehensive insurance, which protect you from damages to other people, your RV, and non-accident-related incidents like theft or weather damage. If you live in your RV full-time, look for personal liability and belongings coverage. You might also want roadside assistance and vacation liability coverage for times when your RV is parked and used as a living space.

Is roadside assistance automatically included in RV insurance?

Roadside assistance is not always included in standard RV insurance policies, but it can be added as an option. This coverage helps with services like towing, flat tire repairs, or battery jumpstarts if your RV breaks down. It's a valuable add-on, especially for RV owners who travel long distances or camp in remote locations. ( What if you run out of gas on a long stretch of road? You'll be wishing you'd purchased roadside assistance if you do. )

Do I need special coverage if I rent out my RV?

Yes, if you rent out your RV, you may need additional coverage beyond a standard RV insurance policy. Some insurers offer policies designed for RV rentals, covering risks like damage from renters or liability issues. Be sure to inform your insurance company if you plan to rent out your RV, as not all policies allow it without an adjustment, and you could be liable for amounts in the 6 figures in case of an accident involving an unapproved driver.

Do I need a special license to drive my RV, and how does it affect my insurance?

Federally, if your RV weighs over 26,000 pounds, you may be required to hold a special Commercial Driver's License (CDL) or a non-commercial special license, depending on your state. Failing to have the proper license could result in denied insurance claims if you're involved in an accident, as you wouldn't be legally qualified to drive the vehicle. Be sure to check both federal and state requirements in your state and the ones you plan to drive through to be compliant and fully covered.

Best RV Insurance for March 2026 | Top Consumer Reviews

Item: The Best RV Insurance - Summary Reviews
Rating: 5
Author: Top Consumer Reviews

Monday, March 9th We evaluate products and services based on unbiased research. Top Consumer Reviews may earn money when you click on a link. Learn more about our process.

2026 RV Insurance Reviews

What is the Best RV Insurance Company? If you're hitting the road in an RV, insurance is a must-have to protect your investment and your peace of mind. Whether you're a full-time traveler, weekend warrior, or using your RV seasonally, specialized RV insurance offers protection beyond standard auto policies. Unlike a car, an RV can function as both a vehicle and a living space, which means it faces unique risks.

5.0

EXCELLENT

Best Option

Roamly

Competitive pricing: our quote was $965, about $300 less than a direct quote from their underwriter for the same scenario
Specializes in RV insurance, offering expertise for various RV types including motorhomes, trailers, and DIY vans
Partners with established underwriters like Progressive to provide coverage

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EXCELLENT

5.0

On the Roamly website

Are you in the market for RV insurance? Look no further than Roamly. This specialized broker knows RVs inside and out, which means they can often find you better coverage at lower rates than traditional insurers. You'll appreciate their knowledgeable agents who can guide you through the process and even help with tricky situations like insuring DIY builds. While their online quote system can be a bit finicky, a quick call to their friendly staff usually sorts things out. After comparing multiple providers, we've ranked Roamly as our top choice for RV insurance - they're simply the best in the business.

4.5

GREAT

Great

Progressive

Annual premium of $1,348 for comprehensive coverage on a 2022 Winnebago Travato
Coverage available for a wide range of RVs, including DIY conversions
Easy online quote process

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GREAT

4.5

On the Progressive website

Progressive might come to mind first for RV insurance, and for good reason. They offer coverage for a wide range of RVs and even DIY conversions. Their online quote process is a breeze, and they seem to value RVs generously, which could mean a better payout if something goes wrong. However, their customer service can be hit or miss, with some customers reporting frustrating claim denials. While Progressive isn't perfect, their comprehensive coverage options and potential for higher RV valuations make them worth your time, especially if you're a DIYer or looking for an easy online experience.

4.0

VERY GOOD

Very Good

GEICO

Pricing details: Specific pricing information not available on website; quotes require calling a representative
Covers most types of RVs, including motorhomes, travel trailers, and toy haulers
Financially strong with top ratings from A.M. Best ("A++") and Standard & Poor's ("AA+")

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VERY GOOD

4.0

On the GEICO website

GEICO's RV insurance offers you pretty good coverage for various types of recreational vehicles, from motorhomes to travel trailers. We appreciate their strong financial ratings and the range of coverage options, including Total Loss Replacement for RV models older than 7 years and high limits for Personal Effects. Getting a quote can be frustrating, though, since you'll need to call their specialists directly - no online quotes here. Overall, GEICO is a decent choice for most RV owners, but we'd recommend shopping around and comparing quotes before making your decision.

3.5

GOOD

Good

Nationwide

Pricing details not provided; requires contacting an agent for a personalized quote
Offers coverage for various RV types including motorhomes, travel trailers, and campers
Provides coverage for full-time RVers

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GOOD

3.5

On the Nationwide website

Nationwide offers RV insurance that covers the basics, but they're not exactly RV specialists. You'll find standard coverage options and some decent discounts, which is nice. However, their roadside assistance might not be created with RVs in mind, which could leave you in a pickle if you break down. Getting a quote requires a phone call, which is a bit old-school in our digital world. While Nationwide is financially strong and has good customer service ratings overall, they're not necessarily the go-to choice for RVers. We'd rank them as a solid middle-of-the-pack option - worth considering if you already have other policies with them, but not the top pick for dedicated RV coverage.

3.0

AVERAGE

Average

RVInsurance

Annual premium of $1,084 for a 2022 Winnebago Travato 59G valued at $97,315
Quick and easy online quote process, taking less than 10 minutes
Works with A-rated national carriers like National General, Safeco, and Foremost

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AVERAGE

3.0

On the RVInsurance website

RVInsurance might seem like a convenient option at first glance. They work with well-known carriers and offer coverage for various types of RVs. However, you should be cautious about their service. While getting a quote is quick and easy, our test case suggests you might end up paying more for less coverage compared to other providers. The company's apparent preference for an insurer known for serving high-risk drivers is concerning as well. Given the potential difficulties in getting claims paid and the higher premiums, you're likely better off exploring other RV insurance options first.

2.9

AVERAGE

Average

RV America Insurance

Pricing: $1,019 for a 2022 Winnebago Travato with full-time usage
Comprehensive coverage for various RV types, including towable and motorized options
Customizable deductibles for Comprehensive and Collision coverage

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AVERAGE

2.9

On the RV America Insurance website

If you're looking for RV insurance, RV America Insurance might catch your eye. They offer coverage for a wide range of recreational vehicles, from fifth-wheels to Class A motorhomes. While their online quote process is a bit tedious, they do provide decent coverage options. However, the lack of customer reviews and BBB accreditation is concerning. The limited discount offerings and scarcity of information about their service quality make it hard to wholeheartedly recommend them. You're probably better off exploring other, more established RV insurance providers before settling on RV America Insurance.

2.8

AVERAGE

Average

National General

Pricing: $1,084 for a 2022 Winnebago Travato valued at $97,315
"A+" financial strength rating from AM Best
Offers insurance for motorhomes, Classes A-C, fifth-wheels, airstreams, and travel trailers

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AVERAGE

2.8

On the National General website

National General offers RV insurance with some appealing features like diminishing deductibles and storage savings. You might appreciate their online quote process and the option for total loss replacement coverage. However, their customer service and claims handling have a poor reputation, which is a major red flag for insurance. While they might insure you if you have a spotty driving record, their focus on high-risk drivers means they're likely to fight hard against paying out claims. Unless you're struggling to find coverage elsewhere, we recommend looking at other RV insurance providers with better track records for customer satisfaction and claims processing.

2.5

FAIR

Fair

Good Sam

Pricing: 6-month policy for $1,058 (reduced from $1,163 with discounts) for a 2022 Winnebago Travato
Multi-carrier agency offering potential for lower rates and wider coverage
Coverage available for full-time RVers and weekend campers

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FAIR

2.5

On the Good Sam website

Good Sam RV insurance looks pretty nice at first glance, offering coverage for DIY RV builds and touting numerous discounts. However, you may find that the reality doesn't quite match the hype. For one, their roadside assistance - while sounding great on paper - often fails to deliver when you need it most. And, because Good Sam is solely a broker working with multiple underwriters, it's hard to predict what your claims experience might be like. On top of that, they charge for 6 months what you'll spend in a year with other RV insurance providers. While we appreciate that they offer coverage for renters, Good Sam's RV insurance isn't our top choice. You'd be better off exploring other options that provide more reliable service at lower prices.

2.4

FAIR

Fair

Liberty Mutual

Pricing: Not specified; quotes available by phone
Strong financial ratings ("A" from A.M. Best, "A2" from Moody's, "A" from Standard & Poor's)
Comprehensive coverage available

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FAIR

2.4

On the Liberty Mutual website

Liberty Mutual offers RV insurance, but it shouldn't be your first choice unless you're already a policy-holder with them. While they have strong financial ratings, their RV insurance offerings seem like an afterthought. You'll find it challenging to get detailed information or an online quote for RV insurance, as their website is vague and you'll need to call for specifics. They don't cover full-time RVers or DIY builds and it's not clear what discounts apply. Given their lack of transparency and limited RV-specific coverage, we recommend exploring options with higher-ranked companies that specialize in RV insurance.

2.0

SUBPAR

Subpar

State Farm

Annual premiums potentially under $1,000 for motorhome insurance; travel trailer insurance minimum over $125
Coverage for various RV types including Class A, B, C, B Plus, and Super C motorhomes
Separate insurance options for travel trailers and campers

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SUBPAR

2.0

On the State Farm website

State Farm's RV insurance might seem like a safe choice, but you'll want to think twice before signing up. While they offer coverage for various RV types, their recent financial troubles are a big red flag for their ability to pay out on claims. Given these issues, we can't recommend State Farm for RV insurance right now. Try other options that are more financially stable and that allow you to get a quote online.

Continued from above...

What is the Best RV Insurance Company?

If you're hitting the road in an RV, insurance is a must-have to protect your investment and your peace of mind. Whether you're a full-time traveler, weekend warrior, or using your RV seasonally, specialized RV insurance offers protection beyond standard auto policies. Unlike a car, an RV can function as both a vehicle and a living space, which means it faces unique risks.

RV insurance covers everything from accidents on the road to theft, damage, and liability while you're parked at a campsite. It ensures that both your transportation and your home-on-wheels are safeguarded. One of the biggest benefits of RV insurance is that it can protect you from unexpected costs.

For example, if you're in an accident and your RV is damaged, repair bills can quickly pile up. Similarly, if someone gets hurt in your RV, you could be liable for their medical expenses without the right coverage. Even less obvious risks, like damage from severe weather or theft of personal belongings inside the RV, can be covered under the right plan.

When you begin shopping for RV insurance, you'll quickly notice that different types of coverage exist. Basic policies include liability insurance, which covers the cost of damages or injuries you cause in an accident. However, comprehensive policies provide additional protection for events like theft, fire, or storm damage. Another option is collision coverage, which specifically pays for repairs or replacements if you crash your RV.

You might also hear about Total Loss Replacement and Actual Cash Value (ACV) coverage. Total Loss Replacement will pay for a brand-new RV if yours is totaled within the first few years of ownership, while ACV only gives you the depreciated value of your RV at the time of the accident. These types of policies can make a huge difference in your payout if something goes wrong.

You may notice that some services are direct insurance companies, while others are brokers. Insurance companies underwrite their own policies, meaning they manage claims and coverage in-house. Brokers, on the other hand, work with multiple insurance providers to find the best policy for you. There's value in choosing a broker because they can compare coverage and rates across various insurers, offering a wider selection and helping you find the most competitive prices. Brokers can also advocate for you if there's ever an issue with your policy and offer personalized service that insurance companies may not always provide.

Not every RV insurance provider covers all types of RVs or situations, which is important to keep in mind when shopping for coverage. Some insurers may not offer policies for DIY or custom-built RVs, while others might exclude full-time RVers, who live in their vehicles year-round. Full-timer coverage is often treated like homeowner's insurance, providing liability and personal property protection, but not every company offers it. Likewise, if you've built or heavily modified your own RV, it may be more challenging to find an insurer that will cover it, since factory-made vehicles are less risky.

To help you make an informed decision, here are a few key considerations when shopping for RV insurance online:

Liability coverage. Make sure your policy covers at least the minimum liability required by your state, but consider higher limits to protect against costly lawsuits or large accidents.
Comprehensive and collision coverage. Look for policies that offer coverage for events beyond collisions, such as fire, theft, and storm damage. This is crucial for RVs, which are often more vulnerable to these risks than regular cars.
Full-timer coverage. If your RV is your primary residence, make sure your insurance provides full-time living coverage, which acts like homeowner's insurance, protecting you from liability, property loss, and other residential risks.
Roadside assistance. Some insurers include roadside assistance in their policies, which can save you from expensive towing and emergency repair costs while traveling.
Personal belongings coverage. Check whether the policy covers your personal items inside the RV, especially if you travel with valuable electronics or other high-cost items.
Financial strength. Choose an insurer with a strong financial strength rating, such as an "A+" from AM Best. This indicates the company's ability to pay claims, which is critical in case you experience a major loss.

Top Consumer Reviews has evaluated and ranked the leading RV insurance providers available. We hope these reviews help you find the best service to suit your needs and keep your adventures on the road worry-free.