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Best RV Insurance Companies | 2022 Discounts and Coverage – The Drive

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Ownership of recreational vehicles (RVs) has skyrocketed over the past few years, leaving many looking for the best RV insurance to protect their property and passengers. Cruising the country in a motorhome is a rewarding experience, but it should be a safe one, too. In order to help you with insuring your pride, joy, and mobile home-away-from-home, we’ve rounded up some of the best RV insurance companies to ensure that your family is well prepared for the open road.
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Progressive is among the largest insurance companies in the U.S, and its standard RV coverage reflects the company’s status as one of the nation’s most competitive insurers, including comprehensive and collision, liability, uninsured/underinsured motorists, and medical payment assistance
Yet, its full-time RV insurance is where Progressive’s coverage shines, specifically its Disappearing Deductibles add-on that will give peace of mind to those who use their recreational vehicle as a primary residence (six months or more each year). With each annual policy in which you’ve had no accidents or violations, Progressive will subtract 25 percent from your comprehensive or collision deductible — reducing it to $0 after four years of an exemplary driving record. That’s a steep savings for when a policyholder is involved in a motor vehicle accident.
Progressive also extends a lineup of discounts to save even more on your policy, too, such as money off for prompt payment history, responsible driver, pay-in-full, original owner, claim-free renewal, paperless documents, and more.
Safeco is a branch of Liberty Mutual Insurance, one of the largest insurers in the U.S. It provides a range of coverages for RV enthusiasts who are only on the road for a portion of each year. Safeco offers standard and customized policies that can be tailored to fit the needs of most part-time RV users.
Safeco’s standard coverage includes what you’d expect — collision, comprehensive, etc. —but it also insures personal property, audio-visual gear, and other customizations installed aftermarket. You can personalize your policy with add-ons such as loan or lease protection, 24-hour roadside assistance, and lock and key replacement.
Safeco also offers a Diminishing Deductible for those who remain claim-free. Enjoy a $100 reduction from your collision deductible each annual policy renewal for up to five years until a maximum of $500 is reached. 
Furthermore, the insurer helps policyholders cut their premiums with an array of RV discounts. These range from standard multi-policy discounts to exclusive discounts for those who complete an approved accident-prevention course or who equip their vehicles with anti-theft devices.  
Formerly known as the Farm Bureau Mutual Automobile Insurance Company, Nationwide is one of the nation’s oldest and most well-established insurers, and it provides clients with an array of policies and coverage options for both part-time and full-time RV users.
Nationwide’s standard coverage includes bodily injury liability, property damage liability, collision, comprehensive, uninsured and underinsured motorist, and medical payments. Additionally, policyholders can customize their RV policy with add-ons such as roadside assistance, vacation liability, towing and trip interruption, and safety glass replacement.
Yet, perhaps Nationwide’s most compelling offering is its extensive roster of discounts. In addition to more common options, like multi-policy and multi-vehicle savings, you can reduce the cost of your premium by taking an RV safety course, being a member of an RV association, paying in full, having a claim-free record, and more.
Founded in 1931, Allstate was originally a subsidiary of the venerable Sears and Roebuck Co. Now, it’s a Fortune 500 company servicing both the U.S. and Canada. Allstate’s long shadow allows customers to turn to the insurer for a variety of policies including auto, life, renters, homeowners, motorcycle, and more. This bundling of policies helps drive down the cost of premiums due to Allstate’s multi-policy discounts. In essence, the more business you do with Allstate, the more you’ll save.
Further, this insurer offers additional discounts that will appeal to deal seekers. From commonplace paperless and pay-in-full discounts to more unique savings for motorists who are married or over the age of 55. Allstate may not have more discounts than its competitors — but it certainly gives policyholders opportunities to save money.
It provides a variety of coverage including bodily injury liability, property damage liability, collision and comprehensive, and total loss replacement. Part-timers and full-timers will appreciate Allstate’s vacation liability and full-timer liability, while pet parents will enjoy the peace of mind knowing their furry friends will be covered, too.
While you’ll be quick to find online claims of poor customer service lobbed at National General — also known as NatGen — this dynamic insurance company furnishes clients with, perhaps, the most robust selection of coverage options for RV owners. In addition to most types and classes of motorhomes and trailers, NatGen will insure specialty equipment such as solar panels, custom wheels, body alterations, and so on.
Still, among NatGen’s assortment of coverage options, its total replacement policy may be the most exciting. In the unfortunate event that your recreational vehicle is totaled or stolen in its first three years, NatGen will replace it with a comparable, new vehicle. Beyond those first three years, your policy entitles you to receive the full original purchase price for a new RV. That’s real value for money.
Plus, policyholders can cut the costs of their premiums when they take advantage of the numerous discount options available to them, including discounts for when your RV is in storage, going paperless, paying your policy in full, having low mileage, being a safe driver, and more.
Boasting multiple reports of above-average customer service — most notably from TIME — it’s no wonder that Auto Owners Insurance was awarded a five-star review by NerdWallet. With fewer complaints than other insurance providers, Auto Owner Insurance specializes in customer satisfaction, according to data from the National Association of Insurance Commissioners (NAIC).
It’s this dependability that resonates with RV owners who prioritize quality service when they need it most — after an accident, theft, injury, or another unexpected tragedy. Auto Owners offers roadside assistance, medical payments and personal injury protection, bodily injury and property damage liability, collision and comprehensive, and uninsured and underinsured motorist coverage.
Additionally, this insurer features the usual lineup of discounts, like multi-policy and pay-in-full. But it also offers savings to customers who request quotes prior to their policy dates and those who make on-time payments for 36 months in a row.
While the cost of RV insurance will vary widely depending on the insurance company, policy prices are largely determined by a number of factors including:
According to data published by Progressive, the average cost of RV insurance is around $125 per year for small trailers to around $1,000 annually for large motorhomes. As a rule of thumb, the more expensive the recreational vehicle, the more costly the premium. 
Still, policyholders can save money on their premiums by taking advantage of discounts offered by their insurer for having a good driving record, pre-paying policies, or taking an RV safety course.
Shopping for the lowest rate for your RV insurance can be intimidating, but it’s easier than many people think. Here are a few tips to find your best coverage and save money on the premium.
Here’s how to look out for discounts and which ones we’d recommend:
As with everything, there are a host of variables that will affect the cost of your insurance as no two people are exactly alike. With that in mind, here are the variables that’ll change the cost of your insurance. 
Age plays a significant role in determining the cost of insurance, with teen drivers paying the highest rates. Some data suggests that 16-year-old drivers pay over 300 percent more than their 55-year-old counterparts.
While the use of gender to influence auto insurance costs is increasingly coming under more scrutiny, there is data to show that men pay higher rates than women. Still, as drivers age, this gender gap tapers as both begin to pay similar rates. 
Keep in mind that California, Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania all have laws forbidding insurers to use gender as a determining factor in the cost of insurance.
Insurance providers use your credit history to forecast the likelihood you’ll file a claim.  
As a rule of thumb, the lower your credit score, the more you’ll pay for insurance. Drivers with “exceptional credit” save $1,537 per year, compared to those with “very poor” credit, according to data from The Zebra.   
When it comes to the cost of insurance premiums, your ZIP code matters. In addition to risk assessments based on nearby crime rates, traffic congestion, and environmental threats, motor vehicle insurance is largely regulated by individual states. 
Data suggests that policyholders in states like Iowa and Wisconsin pay, on average, less than $400 per year for car insurance. On the other hand, those living in Florida and Michigan may pay upwards of $2,000 to $4,000 for similar coverage. 
Additionally, drivers in rural areas will typically pay lower premiums than those in crowded metro areas.
The class of your recreational vehicle is one of the primary details that will decide the cost of your RV insurance. 
You’ll want to secure an RV policy that is personalized for your lifestyle and how you plan on using your motorhome. 
People who will use their recreational vehicle for a couple of family vacations each year should look into part-time insurance or coverage that offers discounts for low mileage or parking RVs in storage. 
Full-timers — those who use their RV more than half the year or as their primary residence — may want to consider a full-time policy, full-time liability, or a similar package.
While titles and premiums may vary by provider, these are the common types of RV coverage:

You’ve got questions. The Drive has answers. 
A: Yes, when your RV has its own engine and steering wheel, you’ll need an RV insurance policy that covers your recreational vehicle when it is both on the road and settled as a residence (for example, parked at a campsite). While motorhomes are required to carry minimum liability coverage across the U.S., additional coverage requirements will vary by state. For instance, many states mandate uninsured and underinsured motorist insurance, but not all. Yet, insurance is not always required if your recreational vehicle is being towed by an automobile. In these instances, auto insurance policies often have provisions that cover hitched trailers and towed campers.
A: An RV policy is insurance coverage for a recreational vehicle. Typically, if you tow a trailer or camper behind your automobile, you may not need an RV policy. However, if your recreational vehicle moves on its own, then you have a motor vehicle that requires an RV policy. These policies vary according to your needs, but most insurers offer standard coverage like bodily injury liability, property damage liability, collision, comprehensive, uninsured and underinsured motorist, and medical payments.
A: Generally, no. Because motorhomes are used differently from cars, you’ll need a separate insurance policy to operate a recreational vehicle. While RVs are on wheels, like a car or truck, they are also essentially a house and, as such, need liability coverage consistent with a residence. An exception may be when you are towing a utility trailer or a camper, but this will depend on the terms of your current auto insurance policy.
To choose the best companies and products for this list, the team at The Drive looked at a large number of financial products from various providers. We focused on cost, product features and options, ease of use, customer service, and past customer ratings as the most important factors in our ratings.
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