Money’s Main Takeaways

RV insurance is essential for both full-time RV living and occasional trips.

Premiums are based on factors like your driving record and RV type, age and condition.

Our top picks include Good Sam, National General and Auto-Owners Insurance.

Our Top Picks for the Best RV Insurance Companies

Note: The following companies are listed in alphabetical order.

Auto-Owners Insurance – Best for Customer Service
Good Sam – Best RV Insurance Agency
National General – Best for Full Replacement Cost Coverage
Nationwide – Best for Multiple Discounts
Progressive – Best for Disappearing Deductibles
Roamly – Best for Renting Out Your RV
RVInsurance.com – Runner-Up for Best RV Insurance Agency

Best RV Insurance Reviews

Pros

Premium reduction if RV is equipped with safety features
Towing and roadside assistance in all 50 states and Canada
Mobile app for Apple and Android

Cons

No online quotes

Why we chose this company: Auto-Owners is our pick for personalized customer service because of its network of independent agents, online customer center and mobile app. Customers can access claims, billing and other important policy documents on their phone, tablet or computer.

Auto-Owners has an impressive customer service record, with fewer complaints with the National Association of Insurance Commissioners (NAIC) than most competitors. It also ranked above average in the southeast region in J.D. Power’s 2022 Auto Insurance Customer Satisfaction study.

Unlike other companies, Auto-Owners only sells its insurance products through independent agents. Instead of contacting the company online, you work directly with local agencies that can better advise you regarding specific insurance requirements in your area. For example, bodily injury and property damage liability limits set by law vary by state.

Insurance options

Uninsured/underinsured motorist, personal property, roadside assistance, additional expenses
 

Discounts

Payment history, paid-in-full, paperless billing, advance quote, safety features, driver safety program, mature drivers, favorable loss history

Bundles

Multi-policy, life multi-policy

Learn more: Auto-Owners RV insurance review

See rates on Auto-Owners’s Secure Website >>

Pros

Offers full-timer coverage

Manage your policy online without agent contact

Discounts on campsites, gear stores, fuel, and more

Cons

Not a direct insurer

Why we chose this company: Good Sam Insurance Agency is the best option for those who need help selecting coverage. It connects you with some of the best RV insurance companies to help you get the right coverage level for your needs.

Good Sam works with renowned insurance providers like Progressive, Foremost, Safeco, and National General to offer a range of standard coverage options. Additionally, through its partnership with MexicoInsuranceOnline.com, the agency connects clients to Mexico-based insurers and offers tailored add-ons for cross-border travel, whether for single-day or extended stays.

The company also extends a storage discount, allowing policyholders to suspend collision and liability coverage when their RV or trailer remains unused for over 30 days, reducing monthly premiums. Furthermore, Good Sam assists in crafting personalized policies for full-time RVers.

Insurance options

Comprehensive, collision, liability, property damage, and personal injury protection, full replacement cost, full-time RVer, emergency expenses, personal effects and RV roadside assistance

Discounts

Storage option, multi-vehicle, paid-in-full, multi-policy, safety and anti-theft devices

Bundles

Vary by provider

Learn more: Good Sam RV insurance review

See rates on Good Sam’s Secure Website >>

Pros

Coverage for specialized equipment like solar panels

Pause your coverage when your RV is in storage

Experts help you find a new RV after a total loss

Low mileage discount

Cons

Eligibility, benefits, coverage and discounts vary per state
Limited information about policies on its website

Why we chose this company: Full replacement cost coverage can usually only be bought during an RV’s first model year. National General, on the other hand, lets you get the rider within an RV’s first five model years.

With full replacement cost coverage — also called total loss replacement — your RV is replaced with a new or similar one if it’s totaled or stolen, potentially reimbursing you for the original purchase price. This is typically only available for newly purchased motorhomes or travel trailers up to one or two model years old. If you buy a used RV or don’t insure your new one as soon as possible, you risk it being considered ineligible.

With National General, RVs are eligible during their first five model years, regardless of ownership (some companies limit this type of coverage to original owners). It also offers the flexibility to pause coverage during storage, helping you save on premiums while protecting against theft, fires, weather damage, and more.

Insurance options

Personal belongings, vacation liability, specialized equipment, permanent attachments, full replacement cost, purchase price guarantee, countrywide towing and roadside assistance, emergency expenses

Discounts

Multi-vehicle, diminishing deductible, storage savings
 

Bundles

Bundle RV insurance with nine other types of policies from National General

Learn more: National General RV insurance review

See rates on National General’s Secure Website >>

Pros

Free annual reviews to reevaluate coverage and discounts
Optional towing coverage includes lodging, transportation and meals
Various policies available for easy bundling and savings

Cons

Many customer complaints about the claims process

Why we chose this company: Nationwide Insurance offers over 10 different discounts, including discounts for staying claim-free during the previous policy period or installing safety devices, like smoke detectors.

Most RV insurers offer discounts, but Nationwide’s list is notably extensive. You can save by bundling your RV policy with home insurance, taking safety courses, joining an RV organization like the National RV Association, paying your annual policy upfront or opting for Nationwide’s full-time RV insurance package.

Note that not all discounts are listed on Nationwide’s website, and some only come up during the quoting process. For example, according to a customer service representative, the company also offers discounts to customers whose vehicles have safety features such as tire-pressure monitoring systems or fiberglass bodies.

Insurance options

Roadside assistance, safety glass replacement, towing & labor, vacation liability, replacement cost
 

Discounts

Multi-policy, multi-vehicle, RV safety course, RV association, paid-in-full, good driver
 

Bundles

Home or auto insurance. Two or more ATVs, boats, motorcycles, snowmobiles or scooters

Learn more: Nationwide RV insurance review

See rates on Nationwide’s Secure Website >>

Pros

Accident forgiveness for claims under $500

Horse trailer coverage up to $50k
Pet injury coverage available

Add-on coverage available for roof malfunction

Cons

Standard plan excludes personal property and emergency expenses

Rates differ based on whether you buy online or through an agent
Discounts aren’t available in all states

Why we chose this company: Progressive offers disappearing deductibles, accident forgiveness and an extensive array of discounts.

With Progressive, you can save on premiums if you’re the RV’s original owner or pay your policy in advance, among other discounts. However, Progressive stands out from competitors because it offers both disappearing deductibles and accident forgiveness.

Unlike competitors, Progressive doesn’t cap its diminishing deductible benefit at $500. Instead, it reduces your deductible by 25% each claim-free period, up to $0 after four periods. While it costs extra, the feature is included with comprehensive and collision coverage for vehicles valued at $25,000 or more. Accident forgiveness for claims of $500 or less is included at no cost.

Insurance options

Roadside assistance, total loss replacement, replacement cost/personal effects, vacation liability, full-timers liability, loss assessment, emergency expense, pet injury, road protection, pest damage

Discounts

Multi-vehicle, advance quotes, original owner, pay-in-full, responsible driver, prompt payment, disappearing deductibles and more

Bundles

Bundle with home, renters, auto, boat or motorcycle

See rates on Progressive’s Secure Website >>

Pros

Specializes in RV insurance

Coverage even when renting out your RV

Policies for full-time RVers are available
Covers Canada rentals

Cons

Only offers RV policies

Why we chose this company: Insurers typically decline coverage if you rent your RV to someone else. With Roamly, you can rent out your RV and still be covered for liability and damage to the vehicle.

Rented RVs require comprehensive commercial insurance due to their higher risk exposure when compared to personal vehicles. Failing to insure your motorhome or camper when renting it out can lead to denied claims, especially if the renter lacks coverage.

With Roamly, your RV remains covered when listed on rental platforms like Outdoorsy (owned by Roamly). Renters booking your RV through Outdoorsy can opt for a renters protection package, including trip protection, interior damage and travel medical insurance. Roamly’s policies cover rented RVs for their actual cash value during the rental period and provide $1 million in liability insurance protection per trip.

Insurance options

Total loss replacement, roadside assistance, full-timer RV and motorhome, RV rental, commercial RV
 

Discounts

Military discount
 

Bundles

None — Roamly specializes in RV insurance

Learn more: Roamly RV insurance review

See rates on Roamly’s Secure Website >>

Pros

Specialists can help you find a policy

Policies available for all types of RVs

Cons

Not a direct insurer

Why we chose this company: RVInsurance.com can help you find a suitable policy, whether you use your RV for vacationing or as your residence.

RVInsurance.com works with Foremost, National General and Safeco. These companies cover all RV types, from motorhomes to campers. They offer several policy add-ons, such as full replacement cost, full-timers liability coverage and roadside assistance.

You can get a quote online, but calling to speak with an insurance specialist lets you compare policies in more detail.

Insurance options

Full replacement cost, permanent attachment, personal belongings, full-timer liability and roadside assistance coverage

Discounts

Storage savings, disappearing deductible, safe/responsible driver, low mileage, paid-in-full
 

Bundles

Vary by provider

See rates on RVInsurance.com’s Secure Website >>

Other RV Insurance companies we considered

During our research for the best recreational vehicle insurance providers, we narrowed down our initial list to 7 companies. The following didn’t make our final cut, not because they were lacking, but because other competitors had more standout features.

AAA

Pros

Covers motorhomes, travel trailers and campers
Includes roadside assistance, hotel discounts and more

Coverage for lodging and transportation if your RV is damaged

Cons

Coverage options are not standard across regions
RV policy not available nationwide
Limited information available online

AAA offers coverage for different types of RVs and some of its policies also cover personal effects such as electronics. However, it didn’t make our list because it doesn’t offer coverage in all 50 states.

See rates on AAA’s Secure Website >>

Allstate

Pros

Discount if you transfer from another insurance company

Discounts for drivers 55 years or older

Gas price locator to help you find the cheapest gas

Cons

Limited information on company website

Online quotes not available

Allstate’s policies include emergency travel expenses if you’re over 50 miles from home when your RV breaks down and the issue is covered under the policy. Allstate is not on our main list because it only provides quotes through its sales agents and the information on its website is limited.

See rates on Allstate’s Secure Website >>

Geico

Pros

Total windshield replacement deductible is only $50
Personal effects replacement limits up to $100,000

Free accident forgiveness after 5+ years

Cons

Offers limited information on its website
Enhanced RV coverage unavailable in HI, MA, MI and NC
Total loss replacement coverage availability varies

While Geico offers coverage options comparable to those of other companies on our list (such as total loss replacement, emergency expenses coverage and vacation liability), its policies aren’t available nationwide. Its website also lacks crucial details, such as available discounts.

See rates on Geico’s Secure Website >>

Safeco

Pros

Loan or lease protection coverage available

Deductibles diminish by $100 per year up to $500
Insures motorhomes valued at up to $1 million

Coverage available for custom equipment

Cons

Only covers vehicles used 250 days or less per year
Limited information available on website

No online quotes available

Safeco covers class A, B and C motorhomes valued at up to $1 million, but only if used recreationally. It didn’t make our list because its website doesn’t offer much information and coverage is limited to vehicles used less than 250 days a year.

See rates on Safeco’s Secure Website >>

Foremost

Farmers

Pros

Offers storage-only insurance during the off-season

Policy extends to travel anywhere in Canada

Insures equipment permanently attached to your RV

Cons

No information regarding discounts

No online quotes

Despite offering coverage in Canada, Farmers Insurance fell short of our list due to limited information regarding specific coverages and discounts on its website. This lack of transparency makes it challenging for consumers to assess the scope and value of its policies.

See rates on Farmers’ Secure Website >>

USAA

Pros

Multi-vehicle, safe driver and original ownership discounts

Coverage for all RV classes, including slide-on campers

Members get a 5% discount on policies

Cons

Policies only available to military families

5% members discount not available in all states

USAA offers RV insurance through an alliance with Progressive, which covers almost all types of RVs. The drawback to USAA’s policies is that they’re only available to military families.

See rates on USAA’s Secure Website >>

Country Financial

Pros

Multi-policy discount

Mobile app for Apple and Android devices

Cons

Only available through agents

Operates in only 19 states

Limited information available on website

Country Financial’s RV insurance policies fall under home or auto insurance. That can be a drawback for consumers who already have a preferred auto or home insurer. Another notable snag in its coverage is that it’s available in only 19 states.

See rates on Country Financial’s Secure Website >>

National Interstate

Pros

Options for RV full-timers

25% deductible discount for each consecutive claim-free year
Windshield replacement coverage
Coverage for commercial RVs

Cons

Only available through agents

Website lacks information about terms and discounts

National Interstate has policy options for RV full-timers and covers commercial RVs. This insurer is not featured on our main list because its website doesn’t provide details regarding policies or discounts.

See rates on National Interstate’s Secure Website >>

The Hartford

Pros

Lifetime guarantee for repairs done in authorized repair shops

24/7 claims submission
RV replacement if it’s totaled in the first 15 months

Cons

Only available to AARP members

Not available in U.S. territories

The Hartford allows policyholders to customize their RV insurance coverage, and its lifetime guarantee for repairs in authorized shops is a highlight of its policies. However, coverage is only available to AARP members, which is a considerable drawback.

See rates on The Hartford’s Secure Website >>

RV Insurance Guide

Like auto insurance, RV insurance offers financial protection for accidents, injuries and other unforeseen events. It can cover repair costs, medical bills and liability expenses if you injure someone or damage their property.

While comprehensive policies covering collision, theft and personal belongings are widely available, occasional RV users may not need such extensive coverage. Read on for information on RV insurance costs, coverage options and tips for selecting the right policy for your needs.

Table of contents

How much is RV insurance?
RV insurance options
How to buy RV insurance
Renting out your RV

How much is RV insurance?

According to Progressive, an RV insurance policy for a travel trailer (an RV you tow behind your vehicle) costs an average of $573 annually. In contrast, coverage for a motorhome costs an average of $958 per year.

Factors that affect your RV insurance premium

The following factors influence the cost of an RV insurance policy:

The type of RV: Motorhomes are more expensive to insure than trailers (especially those with state-of-the-art components).

Age and condition: Older trailers and motorhomes cost less to insure due to their reduced resale value.

Type of RV insurance: A policy with just liability coverage is more affordable than a comprehensive one with collision and personal property coverage.

Where you live: Your state and zip code affect your insurance rates. RVs in areas prone to extreme weather will be more expensive to insure.

Driving experience and driving record: A first-time RV owner poses a higher risk than an experienced RVer. Insurers will also review your general driving record to determine an appropriate rate.

Claims history: A lengthy claims history is a red flag to insurers. Drivers who have never filed a claim will get much better rates than those who have.

Additional coverage: Purchasing add-ons such as roadside assistance, total loss replacement, vacation liability and full-timers coverage will increase your premium.

RV insurance discounts

While these may vary by company, most insurers offer rate discounts for:

Bundling multiple policies
Paying the total annual policy upfront
Making monthly payments on time
Staying claim-free during the previous policy period
Being the vehicle’s original owner
Installing safety features in your RV
Having a favorable record of insurance losses
Staying accident-free for at least three years
Taking safety courses
Being a member of an RV association
Signing up for paperless billing

Drivers aged 50 and up can snag a lower rate, as can parents or guardians who opt not to insure drivers under 25 on their policy.

RV insurance options

Insuring RVs requires special considerations because they can serve as both vehicles and primary residences. Some policies offer basic liability protection, while others provide broader coverage for personal effects and emergency expenses.

If your RV is self-propelled, it must meet your state’s minimum liability insurance requirements, whether you use it occasionally or as a residence. For towable RVs, the insurance policy on the towing vehicle may extend to cover liability, but typically does not include physical damage to the RV or attached accessories.

Best coverage for part-time RVers

People who use their motorhomes for weekend getaways should at least have basic liability coverage that meets their state’s minimum requirements.

Other types of RV insurance for part-time RVers include:

Property damage liability coverage: Pays for damages you cause to another person’s property or vehicle.

Bodily injury liability coverage: Helps pay the medical expenses of those you injure in an at-fault accident.

Collision coverage: Covers repairs to your RV after an accident with another vehicle, whether you’re at fault or not.

Comprehensive coverage: Pays for damages caused by theft, vandalism, natural disasters, fire and other non-collision accidents.

Uninsured/Underinsured motorist coverage: Covers the cost of repairs to your RV and your medical payments if you’re in an accident caused by a driver without insurance or insufficient coverage.

Personal Injury Protection (PIP): Covers medical expenses for you and your passenger in the event of an accident, no matter who is at fault. It may also cover lost wages.

Campsite/vacation liability coverage: Helps pay for legal expenses if you’re deemed responsible for injuries or losses incurred by a non-family member within your campsite or RV.

Roadside Assistance: Offers around-the-clock repairs, towing and emergency assistance should your RV experience a flat tire, battery discharge or other malfunction.

Best coverage for full-time RVers

For added peace of mind, full-time RVers should consider having a more comprehensive policy that includes some of the above-mentioned add-ons as well as any of the following:

Personal property coverage:Covers the cost of replacing any damaged or stolen personal effects. Personal belongings coverage includes clothing, furniture, jewelry and computers, for example.

Total loss replacement: Replaces your RV with an equal or similar model if your vehicle is stolen or totaled in an accident. The insurer may reimburse you for the original purchase price in other cases. Lenders may require this coverage if you finance your RV.

Full-time RV liability coverage: Adds additional coverage for liability and medical expenses if you live in your RV for six months or more each year.

Emergency expense allowance: Covers up to a specified amount of living and travel expenses like car rentals, lodging and food if your RV leaves you stranded, usually more than 100 miles away.

Specialized coverage: Can replace appliances like awnings, satellite dishes, and solar panels and can even provide coverage for any pet injuries that happen in the vehicle.

Loss assessment: Helps cover fees RV associations charge for damage to common areas in a campsite, for example.

What RV insurance doesn’t cover

RV insurance won’t cover the following:

Normal wear and tear: RV insurance protects your vehicle against unexpected events, not routine maintenance or deterioration.

Mold damage, fungi or rot: Insurers consider mold a sign of neglect and won’t cover damages unless it’s directly linked to water damage caused by a covered event.

Certain types of water damage: RV insurance doesn’t cover water damage caused by regular wear and tear, freezing temperatures or manufacturer defects.

Earthquake damage: RV insurance covers most natural disasters, including floods, storms and fires, but earthquake coverage varies by insurer.

How to Buy RV Insurance

Here are some tips on how to find and purchase the right RV insurance coverage for you.

1. Determine the coverage you need

Whether you use your RV for full-time living or occasional trips will determine the coverage options you need, whether liability only or additional coverage options such as collision, comprehensive or personal effects.

Remember that your auto insurance policy may cover towable campers or trailers but not motorhomes. And while it covers liability and damages to the RV, it generally excludes belongings or appliances inside. Homeowners insurance may also offer some coverage, but only when the RV is parked on the insured property.

2. Shop around for insurance quotes

RV insurance costs depend on your driving history, location, type of vehicle and usage and any optional riders you select. To get the most affordable premium for the coverage you need, compare quotes from multiple insurers. Consult an independent insurance agent if you don’t have time to shop around.

3. Look for discounts and consider bundling multiple policies

Most insurers offer multi-policy discounts, helping you save on premiums by combining your RV policy with auto, home, renters, boat or even life insurance policies. Bundling can also help you avoid the hassle of dealing with different companies when you have to file a claim. Other discounts vary by insurer, but could also result in significant savings.

4. Consider RV rental insurance

If you plan on renting an RV for a vacation, consider getting RV rental insurance. This type of policy usually provides liability, collision damage waiver and coverage for personal accidents or personal effects. You can purchase a policy through the rental company or your insurer.

However, remember that your current car or RV insurance policy may already extend some rental RV coverage. Coverage may not be available in some states or for trips longer than 30 days, so call your insurer to verify before heading out.

Renting out your RV

If you rent your RV to others, it’s considered a commercial-use vehicle, and your insurance policy won’t cover the renter. The person must obtain their own rental insurance. If you’re merely lending your RV to a friend or family member, your existing coverage may extend to them, depending on your policy.

Note that some states — including Arkansas and Wisconsin — require drivers to get special licenses to drive RVs. If you live in one of these states and lend your RV to someone, that person must have the required license if you want your insurance policy to cover them.

What kind of insurance do I need to rent out my RV?

To rent out an RV, you’ll need at least liability coverage, which pays for damages or injury you may cause to other people and their property in an at-fault accident. Except New Hampshire, all states and the District of Columbia, require that vehicles, including RVs, have liability coverage.

Insurance for towable RVs is another matter. When you tow your RV behind another vehicle instead of driving it, you only have to worry about having enough coverage to protect your belongings, not additional liability insurance.

RV Insurance FAQs

How much is RV insurance?

Some insurers offer policies starting at around $100 per year. However, these low-priced policies typically only offer basic liability protection. A 12-month comprehensive policy for a motorhome could cost anywhere from $500 to $1,000 or more, depending on the coverage add-ons you pick, the type of RV you own and your driving record.

What states require trailer insurance?

Trailer insurance requirements vary by state and by type of trailer. Most local governments require liability insurance, while others also require uninsured motorist coverage.

Currently, only two states don’t require any type of trailer insurance. You can drive an uninsured vehicle in Virginia if you pay an uninsured motorist fee. In New Hampshire, you can drive uninsured if you prove you have enough money to cover liability expenses in an at-fault accident.

Do you need trailer insurance?

You don’t need insurance for a non-motorized trailer hooked to a towing vehicle. The vehicle’s insurance coverage extends to the trailer attached to it. However, this coverage is typically limited to liability.

Talk to your auto insurance provider if you want to add property damage coverage for the trailer or purchase a separate RV insurance to ensure the trailer is insured against damage.

Who has the best RV insurance?

The best RV insurance policy for you will depend on factors such as your driving habits, age and type of RV. Also, consider how often you’ll use your RV throughout the year. Get quotes from several different carriers to get the best deal on the coverage you need. For more information on factors to consider before making a selection, read our section on how to buy RV insurance.

Does RV insurance cover water damage?

Comprehensive coverage may pay for water damage beyond the owner’s control. For example, RV insurance would cover the resulting water damage if a storm causes a branch to fall and puncture your roof. However, it won’t cover damage due to neglect or poor maintenance.

What is vacation liability RV insurance?

Vacation liability coverage offers personal liability protection if someone is injured in or around your RV while parked in a campsite. This rider is often recommended for full-time RVers or those who frequently go on road trips. Insurers usually cover up to around $10,000 but may increase the limit to $100,000 or more for an additional cost.

How We Chose the Best RV Insurance

Coverage options and discounts: We picked companies that offer a comprehensive selection of coverage options and premium discounts.

Customer satisfaction: We favored companies with above-average scores in J.D. Power’s U.S. Auto Insurance Study.

Financial strength: We considered the financial strength of each insurer as evidenced by their A.M. Best rating. A.M Best is a credit rating agency that assesses the creditworthiness of insurance companies.

Complaint index: We looked up every insurer’s complaint trend report from the National Association of Insurance Commissioners (NAIC) and favored those with few complaints.

Summary of Money’s Best RV Insurance of 2024

Auto-Owners Insurance – Best for Customer Service
Good Sam – Best RV Insurance Agency
National General – Best for Full Replacement Cost Coverage
Nationwide – Best for Multiple Discounts
Progressive – Best for Disappearing Deductibles
Roamly – Best for Renting Out Your RV
RVInsurance.com – Runner-Up for Best RV Insurance Agency
Good Sam is a well-known name in the RV community, and its insurance agency is a popular choice for RVers. The company offers a wide range of coverage options, including full-timer coverage for those who live in their RV full-time. Good Sam also offers discounts on campsites, gear stores, fuel and more through its membership program.In addition to its insurance offerings, Good Sam also has a roadside assistance program that covers RVs, cars, trucks, motorcycles and trailers. The program includes services like towing, tire changes, fuel delivery and lockout assistance.Insurance optionsUninsured/underinsured motorist, personal property, roadside assistance, additional expenses DiscountsMulti-policy, paid-in-full, paperless billing, safety features, driver safety program, mature drivers, favorable loss historyBundlesMulti-policy, life multi-policyLearn more: Good Sam RV insurance reviewSee rates on Good Sam’s Secure Website >>ProsOffers full replacement cost coverage for new RVs. Discounts for multiple policies, safe driving, and RV club memberships. ConsNo online quotes. Why we chose this company: National General is our top pick for full replacement cost coverage because it offers this option for new RVs up to five model years old. This means that if your RV is totaled, you’ll receive the full cost of a new RV, not just the depreciated value.National General also offers discounts for multiple policies, safe driving and RV club memberships. The company has an A+ rating from the Better Business Bureau and an A rating from A.M. Best for financial stability.Insurance optionsUninsured/underinsured motorist, personal property, roadside assistance, additional expenses DiscountsMulti-policy, paid-in-full, paperless billing, safety features, driver safety program, mature drivers, favorable loss historyBundlesMulti-policy, life multi-policyLearn more: National General RV insurance reviewSee rates on National General’s Secure Website >>ProsOffers multiple discounts, including for multiple policies, safe driving, and RV club memberships. ConsNo online quotes. Why we chose this company: Nationwide is our top pick for multiple discounts because it offers a wide range of ways to save on your RV insurance policy. These include discounts for multiple policies, safe driving and RV club memberships.Nationwide also has an A+ rating from the Better Business Bureau and an A+ rating from A.M. Best for financial stability. The company offers a variety of coverage options, including total loss replacement, which pays for a new RV if yours is totaled within the first five years.Insurance optionsUninsured/underinsured motorist, personal property, roadside assistance, additional expenses DiscountsMulti-policy, paid-in-full, paperless billing, safety features, driver safety program, mature drivers, favorable loss historyBundlesMulti-policy, life multi-policyLearn more: Nationwide RV insurance reviewSee rates on Nationwide’s Secure Website >>ProsOffers disappearing deductibles. Discounts for safe driving, multiple policies, and paying in full. ConsNo online quotes. Why we chose this company: Progressive is our top pick for disappearing deductibles because it offers this option for RVs that are insured for at least four years without a claim. This means that your deductible will decrease by 25% each year you don’t have a claim until it reaches $0.Progressive also offers discounts for safe driving, multiple policies and paying in full. The company has an A+ rating from the Better Business Bureau and an A+ rating from A.M. Best for financial stability.Insurance optionsUninsured/underinsured motorist, personal property, roadside assistance, additional expenses DiscountsMulti-policy, paid-in-full, paperless billing, safety features, driver safety program, mature drivers, favorable loss historyBundlesMulti-policy, life multi-policyLearn more: Progressive RV insurance reviewSee rates on Progressive’s Secure Website >>ProsOffers coverage for renting out your RV. Discounts for safe driving, multiple policies, and paying in full. ConsNo online quotes. Why we chose this company: Roamly is our top pick for renting out your RV because it offers coverage for this unique situation. If you rent out your RV through a peer-to-peer rental platform like Outdoorsy or RVshare, you can purchase a policy from Roamly to cover your RV while it’s being rented out.Roamly also offers discounts for safe driving, multiple policies and paying in full. The company has an A+ rating from the Better Business Bureau and an A rating from A.M. Best for financial stability.Insurance optionsUninsured/underinsured motorist, personal property, roadside assistance, additional expenses DiscountsMulti-policy, paid-in-full, paperless billing, safety features, driver safety program, mature drivers, favorable loss historyBundlesMulti-policy, life multi-policyLearn more: Roamly RV insurance reviewSee rates on Roamly’s Secure Website >>ProsOffers online quotes. Discounts for safe driving, multiple policies, and paying in full. ConsNo coverage for renting out your RV. Why we chose this company: RVInsurance.com is our runner-up for best RV insurance agency because it offers online quotes, which is rare in the RV insurance industry. Most companies require you to contact an agent for a quote, but RVInsurance.com allows you to get a quote and purchase a policy online.RVInsurance.com also offers discounts for safe driving, multiple policies and paying in full. The company has an A+ rating from the Better Business Bureau and an A+ rating from A.M. Best for financial stability.Insurance optionsUninsured/underinsured motorist, personal property, roadside assistance, additional expenses DiscountsMulti-policy, paid-in-full, paperless billing, safety features, driver safety program, mature drivers, favorable loss historyBundlesMulti-policy, life multi-policyLearn more: RVInsurance.com RV insurance reviewSee rates on RVInsurance.com’s Secure Website >>MethodologyTo determine the best RV insurance companies, we analyzed 15+ companies and conducted over 1,000 hours of research. We prioritized coverage, discounts, customer sentiment, the NAIC complaint index and financial stability. We also considered the following factors:Coverage options: We looked at the types of coverage each company offers, including liability, collision, comprehensive, personal property, roadside assistance and more.Discounts: We evaluated the discounts each company offers, such as multi-policy, paid-in-full, paperless billing, safety features, driver safety program, mature drivers, favorable loss history and more.Customer sentiment: We considered customer reviews and ratings from sources like the Better Business Bureau (BBB), J.D. Power and Consumer Reports.NAIC complaint index: We looked at the National Association of Insurance Commissioners (NAIC) complaint index for each company. This index measures the number of complaints a company receives relative to its size.Financial stability: We evaluated each company’s financial stability by looking at its A.M. Best rating. This rating measures a company’s ability to pay claims and meet its financial obligations. The higher the rating, the more financially stable the company is. 

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