Top 6 RV Insurance Providers for October 2025

Understanding RV Insurance

RV insurance is a crucial aspect for anyone who owns or uses an RV, whether it's for full-time living or occasional trips. The cost and coverage of RV insurance can vary significantly based on several factors including your driving record, the specific model of your RV, and your location. It’s important to note that these premiums may change annually, making it wise to shop around and compare quotes regularly, especially when your policy is up for renewal.

Several top providers have been identified as the best in the industry, including Progressive, Auto-Owners Insurance, Nationwide, National General, Good Sam, and Roamly. Each of these companies has unique features that make them stand out in different areas such as customer satisfaction, discounts, specialized coverages, and rental options.

How Top Picks Were Chosen

The selection process for the top RV insurance companies involved extensive research by Money’s editorial team since 2016. Factors considered included customer satisfaction, financial stability, coverage options, and availability. The team reviewed over 15 companies and conducted more than 1,000 hours of research on coverage, available discounts, and customer satisfaction from third parties and regulatory agencies.

Top RV Insurance Companies

Progressive

Progressive is recognized as the best overall RV insurer due to its competitive range of products and available discounts. Features include disappearing deductibles and accident forgiveness, which can help save money. The company also offers various discounts, such as multi-vehicle, original owner, and responsible driver discounts. However, it's worth noting that rates can differ based on whether you purchase online or through an agent.

Auto-Owners Insurance

Auto-Owners Insurance stands out for its high customer satisfaction ratings in certain states and a low NAIC complaint index. This insurer is only available in 26 states and requires contacting a local agent for a quote. Despite this limitation, it has a strong reputation for customer service.

Nationwide

Nationwide is known for offering a vast array of discounts, making it a great option for those looking to bundle policies. These include discounts for safety courses, joining RV organizations, and maintaining continuous coverage. However, not all discounts are listed on the website, and some only become available during the quoting process.

National General

National General provides over 15 coverage options tailored for every type of RV owner. It includes full replacement cost coverage and the ability to suspend collision and liability coverage when the RV is in storage. However, it has a D+ rating on Crash Network's Insurer Report Card, indicating some room for improvement.

Good Sam

Good Sam is ideal for those looking to compare policies from multiple providers. As an independent agency, it partners with well-known insurers like Progressive, Foremost, Safeco, and National General. It also collaborates with MexicoInsuranceOnline.com for cross-border travel add-ons.

Roamly

Roamly is particularly beneficial for those who rent out their RVs. It allows coverage to continue even when the RV is rented out, without canceling the regular policy. This makes it a unique option for RV owners who generate income from rentals.

Coverage Options for Part-Time RVers

Part-time RVers should consider at least basic liability coverage that meets their state’s minimum requirements. Additional options include property damage liability, bodily injury liability, collision coverage, comprehensive coverage, and uninsured/underinsured motorist coverage. Personal Injury Protection (PIP) and campsite/vacation liability coverage can also provide added peace of mind.

Coverage Options for Full-Time RVers

Full-time RVers may want to add personal property coverage, total loss replacement, full-time RV liability coverage, emergency expense allowance, supplemental benefits, and loss assessment to their base policy. These additional coverages can provide more comprehensive protection for those living in their RVs year-round.

What RV Insurance Doesn’t Cover

RV insurance typically excludes normal wear and tear, mold damage, certain types of water damage, and earthquake damage. These exclusions are important to understand when selecting a policy to ensure that you have adequate coverage for potential risks.

Cost of RV Insurance

The cost of RV insurance depends on various factors such as the owner’s driving record, the type and age of the vehicle, its condition, and usage. For example, an annual policy for a travel trailer may cost around $600, while a motorhome could cost over $1,000. Liability-only policies tend to be less expensive, averaging about $125 per year.

Determinants of RV Insurance Premiums

Several factors influence the cost of RV insurance, including the type of RV, its age and condition, the type of insurance purchased, where you live, driving experience, claims history, and credit score. Understanding these factors can help in selecting a policy that fits both your needs and budget.

How to Buy RV Insurance

To find the right RV insurance, start by determining the coverage you need based on how you use your RV. Shop around for quotes from multiple insurers and look for discounts and policy bundles. Be transparent with your insurance provider to avoid any issues with claims.

Renting Out Your RV

If you plan to rent out your RV, you’ll need a temporary rental policy that covers the guest. This policy should include liability and medical payments coverage. Some platforms like Outdoorsy and RVshare may require renters to buy insurance that covers your RV, eliminating the need for additional coverage.

Latest News in RV Insurance

According to recent reports, RV ownership is becoming increasingly popular among young families, with many using RVs for vacations and outdoor activities. The median number of days spent in an RV has increased significantly, highlighting the growing trend of RV usage.

RV Insurance FAQs

Understanding what states require trailer insurance, whether RV insurance covers water damage, and what vacation liability RV insurance entails can help in making informed decisions. Each of these topics has specific considerations and coverage details that should be reviewed carefully.

Summary of Top RV Insurance Providers

Progressive, Auto-Owners Insurance, Nationwide, National General, Good Sam, and Roamly are highlighted as the best options for different needs, from overall coverage to specialized services and rental options. Each of these providers offers unique benefits that cater to the diverse needs of RV owners.