Find the best RV insurance for your motorhome or travel trailer. Compare top providers on coverage, price, and full-timer policies.
Get RV Quote →RV insurance covers motorhomes, travel trailers, fifth wheels, and campervans. Your auto insurance covers the vehicle while driving, but not the RV portion — slide-outs, appliances, furniture, and the living space. Full-timers who live in their RV year-round need a special policy that also covers liability similar to homeowners insurance.
Typical annual premiums run $500–$2,000 depending on RV class, value, and how you use it — motorized RVs generally cost more than towable trailers, and full-time use requires broader, more expensive coverage than occasional weekend trips.
| Company | Coverage | Avg Annual | Best For |
|---|---|---|---|
| Progressive | All RV types | $500–$1,500 | Best overall, lowest rates |
| Good Sam | RV specialists | $600–$1,800 | Best for Good Sam members |
| National General | Class A/B/C | $550–$1,600 | Best for full-timers |
| Nationwide | All RV types | $600–$1,700 | Best for bundling |
| Safeco | Class A motorhomes | $700–$2,000 | Best for luxury RVs |
| RV Type | Coverage Needed | Avg Annual Cost |
|---|---|---|
| Class A Motorhome | Full RV policy required | $1,000–$2,000 |
| Class B (Campervan) | Full RV policy required | $500–$1,200 |
| Class C Motorhome | Full RV policy required | $700–$1,500 |
| Travel Trailer | Liability + contents | $200–$600 |
| Fifth Wheel | Liability + contents | $300–$700 |
This distinction matters significantly when choosing coverage. Agreed value policies pay the full insured amount on a total loss with no depreciation surprises — particularly valuable for newer or custom-built RVs. Actual cash value factors in depreciation, which can leave older RV owners underinsured relative to actual replacement cost. Several specialists, including Foremost, offer agreed value coverage worth prioritizing if you plan to keep your RV long-term.
Everything you need to make a confident decision
Find the best RV insurance for your motorhome or travel trailer. Compare top providers on coverage, price, and full-timer policies.
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