Tuesday, April 22nd
2025 RV Insurance Reviews
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
- Potentially higher RV valuations compared to other insurers
- Extensive coverage options, including full-timer's package
- 24/7 roadside assistance available as an add-on
- Multiple discounts available, including original owner and responsible driver
- Strong financial ratings from major rating organizations
- Disappearing deductibles option for claim-free periods
- Replacement Cost Personal Effects coverage of $5,000 included in sample quote
Founded back in 1937, Progressive is a well-known insurance provider offering coverage for various types of RVs. (Fun fact: they were the first insurer to allow premium payments in installments.) The company holds an "A+" rating from the Better Business Bureau, although, oddly for such an establishment, it is not accredited. Progressive's financial strength is demonstrated by its high ratings from major rating organizations, with A.M. Best giving it an "A+ Superior" rating, Standard and Poor's an "AA" rating, and Moody's Investors Services an "Aa" rating, all indicating a strong capacity to meet financial obligations and low credit risk. The fine print of their website says "coverage is not available in all states,” but they don't specify which are excluded.
DIYers may have luck
Progressive offers insurance for most RVs, including Class A, B, and C motorhomes, conventional trailers, utility trailers, cargo trailers, pop-up campers, truck campers, and fifth-wheel trailers. Some reports suggest you may even be able to get coverage for a DIY camper van conversion, too.
Easiest quote process with potentially high estimated value for RVs
Getting a quote through Progressive is straightforward and can be completed entirely online - no phone call necessary. The process is quick, doesn't time out, and you'll receive a copy of the quote via email upon completion. For our sample 2022 Winnebago Travato, Progressive valued the van at $125,800, nearly $30k higher than some other insurers. This is fantastic news, especially if you go for Actual Cash Value (ACV) coverage. Why? Because a higher initial valuation means a bigger payout if your RV is totaled. Even with Total Loss Replacement - where Progressive would swap your RV for a new or comparable model - that higher valuation gives you a nice safety net.
Great coverage in our example
Our $1,348 sample quote for our Winnebago Travato test case included:
- Liability coverage: $100,000 per person/$300,000 per accident for bodily injury and $50,000 for property damage
- Uninsured/Underinsured Motorist Bodily Injury coverage: $100,000 per person/$300,000 per accident
- Medical Payments: $2,500 per person
- Full-Timer's Package: $100,000 per person/$300,000 per accident
- Comprehensive and Collision coverage: $500 deductibles each
- Emergency Expense: $2,000
- Roadside Assistance: Included
- Replacement Cost Personal Effects: $5,000
- Pest Damage Protection: $5,000
- Roof Protection Plus: $5,000
- Trailer coverage: $0-$2,500
- Total Loss Replacement: Actual cash value
Chat agents not fully knowledgeable
Based on the information we provided, we automatically qualified for the Prompt Payment Discount, Pay in Full Today Discount, Responsible Driver Discount, and the Original Owner Discount. However, since we don't actually own an RV and your situation will differ from ours, we opened a customer service chat and requested a complete list of Progressive's available discounts for RV insurance. The agent we spoke to claimed no such list existed - which didn't turn out to be true, because we quickly found it on the Progressive website through a simple Google search. This instance suggests to us that Progressive's chat agents might not be the most knowledgeable, so you may want to try calling and requesting an RV expert if you have specific questions.
Lots of discounts available
Here's what we found on the list of discounts we mentioned:
- Multi-policy: Bundle RV insurance with other Progressive policies
- Quote in advance: Get a quote at least one day before your policy starts
- Original owner: For those who are the original owners of their RV
- Pay in full: Pay your policy upfront
- Responsible driver: No accidents or violations in the past three years
- Prompt payment: Make payments on time
- Claim free: No at-fault or large comprehensive claims in the past year
- Homeowners: Discount for owning a home
- Continuous insurance: Honors time spent with previous insurer
- Paperless: Opt for email documents
- Small accident forgiveness: No rate increase for claims of $500 or less
- Large accident forgiveness: No rate increase after 4 years with Progressive and 3 accident-free years
- Disappearing deductibles: Deductible reduces by 25% for each claim-free period
Comprehensive, 24/7 roadside assistance offered for extra cost
When you're traveling in your RV, Progressive offers 24/7 roadside assistance and trip interruption coverage as optional add-ons to your policy. Roadside assistance can help you with various issues like towing, winching, jump-starts, fuel delivery, lockouts, and flat tires, whether you're in your driveway or on the road. If your RV breaks down more than 100 miles from home, trip interruption coverage can help cover costs like lodging, food, and alternative transportation, up to $500 total. This coverage is especially useful if you break down over a weekend when repair shops might be closed. To add these coverages to your policy, you can simply log in to your account online or call Progressive directly.
Mixed reputation is typical for the industry
Customer reviews for Progressive RV insurance are, like most insurance companies, mixed. Some customers report positive experiences, praising the company for valuing their RVs more than fairly, offering discounts for full-time RVers, and processing claims quickly and without hassle. One customer mentioned that their agreed value was 50% more than what they paid, which they were happy about. However, the company has received over a thousand complaints on platforms like Trustpilot, with some customers expressing frustration over claim denials and customer service issues. Progressive has an "A+" rating from the BBB, though, which suggests good follow-up on complaints.
A solid choice with some caveats
Progressive offers a comprehensive RV insurance package with just about everything we were hoping to see. We found their quote process easy and their coverage options extensive. The high valuation of RVs and the wide range of discounts available are definite plusses. If you're looking for potentially higher RV valuation and a straightforward quote process, Progressive is a good option. Their coverage for DIY conversions is also a point in their favor. Still, you may want to consider getting quotes from specialized RV insurers like some in this review, or check out other major providers to see how their offerings stack up against Progressive's. Remember, the best insurance for you will depend on your specific RV, usage patterns, and personal preferences.
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The 10 Best RV Insurance
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.
RV Insurance FAQ
Continued from above...
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.
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