Tuesday, April 22nd
2025 RV Insurance Reviews
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
- Standard coverage includes bodily injury, property damage, collision, and comprehensive protection
- Emergency road service included in coverage
- Personal Articles policy available for protecting personal belongings
- Coverage extends to RVs in storage
- Offers both motorhome and travel/camping trailer insurance
- Well-established company with a long history in the insurance industry
State Farm, a well-known insurance provider, offers RV insurance as part of its vehicle coverage options. However, recent financial changes have affected the company's standing. In March 2024, AM Best downgraded State Farm's Financial Strength Rating from "A” (Excellent) to "B” (Fair). This change suggests some financial instability within the company, which can impact their ability to pay out on claims.
Separate insurance for travel trailers
State Farm insures a variety of RV types, including Class A, B, C, B Plus, and Super C motorhomes, as well as truck and van campers. Their website says you can likely get an annual premium for under $1,000 for this type of policy. They also offer separate insurance for travel trailers and campers, covering fifth wheels, teardrops, overlanding vehicles, popup campers, and standard travel trailers. They say your annual minimum could be over $125 for this kind of policy, though they make no mention of the price of a premium. (The minimum refers to the lowest possible cost for basic coverage, while the premium is the actual amount you pay for your chosen level of coverage, which is typically higher than the minimum and varies based on factors such as the type of RV or trailer, your driving history, and the extent of coverage selected.)
No online quotes
To get an RV insurance quote from State Farm, you'll need to enter your zip code on their website and select an agent in your area. You can then email, call, or visit the agent's website - but it's not possible to complete the process online. We found this to be inconvenient; at the very least, it would be helpful if you could submit your background information through an online form and then receive a call back to discuss your options, rather than having to provide all that information over the phone. We did not receive a prompt response back from the agent we emailed.
Standard coverage
At least State Farm's coverage appears to be thorough enough. Their website says that their standard RV coverages can include protection for bodily injury (including for uninsured drivers), property damage, collisions, and comprehensive coverage for events like theft or fire. They also provide emergency road service, and you can add a Personal Articles policy to protect the items you travel with. The coverage for travel/camping trailer insurance is similar. Without specific pricing information available online, though, it's challenging to compare State Farm's rates with other providers. And, since insurance rates are influenced by so many individual factors, you'd still need to contact an agent directly to get an accurate understanding of their offerings and whether they meet your unique needs.
Discount info not available online
State Farm doesn't openly advertise their RV insurance discounts on their website. You'll need to speak with an agent to learn about potential savings opportunities, which isn't as convenient as providers who list their discounts upfront.
Customers are finding it more difficult to get reimbursed for claims
Customer reviews for State Farm are contradictory, which isn't uncommon when it comes to RV insurance companies. In a Reddit thread, one person says filing a claim for a new roof was easy, and the very next person in the thread says State Farm "rewrote the English dictionary” to avoid paying out. The Better Business Bureau (BBB) gives State Farm a "C-" rating, indicating a higher-than-average number of unresolved customer complaints. Many of these complaints relate to claims still under review, which does align with predictions of the implications of their Financial Strength rating's recent downgrade.
Challenges for California policy holders and current customers
What's more, State Farm has recently made significant changes to its policies, particularly in California. The company has decided not to renew 72,000 policies in the state, spanning both commercial and personal property lines. State Farm also anticipates a considerable reduction in the number of policies they offer over the next five-year period, which could mean pursuing a quote from them is a dead-end, especially if your RV has any non-standard aspects (like a DIY build). Additionally, these changes could potentially result in increased premiums for existing customers and might continue to escalate challenges in processing future claims as the company strives to enhance its financial position.
We wouldn't recommend wasting your time
While State Farm has a long history in the insurance industry, these recent financial downgrades and policy changes are concerning. Their lack of online quote options and limited transparency about discounts are frustrating. If you're still considering State Farm for RV insurance, you should speak directly with an agent to get a clear picture of your coverage options and costs. Given their current financial situation, though, it might be wise to prioritize comparing offers from providers ranked higher in our review before jumping through the hoops of State Farm's quote process.
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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
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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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