{"id":324802,"date":"2025-11-14T04:56:19","date_gmt":"2025-11-14T09:56:19","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=90040"},"modified":"2025-11-14T05:05:04","modified_gmt":"2025-11-14T10:05:04","slug":"best-for-rv","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/car\/best-for-rv\/","title":{"rendered":"The Best RV Insurance Companies of 2025"},"content":{"rendered":"            <span class=\"b-toc-anchor\" id=\"best\" title=\"Best RV Insurance\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Reviews Report<\/h2>\n\n\n\n<ul class=\"is-style-blog-list\">\n<li>Progressive is widely cited as the best overall RV insurer in 2025 for its breadth of RV-specific coverages and nationwide availability, while National General (an Allstate company) and Foremost are top choices for full-time use and specialty\/older rigs, respectively (<a href=\"https:\/\/www.forbes.com\/advisor\/car-insurance\/best-rv-insurance\/\">Forbes Advisor<\/a>; <a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/best-rv-insurance\">NerdWallet<\/a>).<\/li>\n\n\n\n<li>The best RV insurance companies now commonly offer personal effects coverage, full-timer\u2019s liability, vacation liability, emergency expense coverage, RV-specific roadside assistance, roof protection endorsements, and coverage for custom parts and equipment (<a href=\"https:\/\/www.progressive.com\/rv\/coverages\/\">Progressive<\/a>; <a href=\"https:\/\/www.geico.com\/rv-insurance\/\">GEICO<\/a>).<\/li>\n\n\n\n<li>For retirees and seasonal users who value bundling and local-agent service, State Farm and Nationwide are strong picks; full-time RVers should look closely at National General\u2019s full\u2011timer options (<a href=\"https:\/\/www.forbes.com\/advisor\/car-insurance\/best-rv-insurance\/\">Forbes Advisor<\/a>; <a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/best-rv-insurance\">NerdWallet<\/a>; <a href=\"https:\/\/www.nationalgeneral.com\/products\/rv-insurance\">National General<\/a>).<\/li>\n<\/ul>\n\n\n\n<p>Owning an RV means experiencing life on the road or vacation trips across the country. However, like standard cars, RVs still need insurance. Requirements depend on how your rig is classified and used: liability coverage is generally required for motorhomes on public roads, while towable RVs may rely on the towing vehicle\u2019s auto policy for liability but typically need a separate policy for the trailer\u2019s physical damage. RV insurance costs have generally trended higher since 2021 due to parts and repair\u2011cost inflation, so comparing quotes and discounts matters more than ever (<a href=\"https:\/\/www.iii.org\/insurance-topics\/other-vehicles\/recreational-vehicles\">Insurance Information Institute<\/a>; <a href=\"https:\/\/www.bls.gov\/news.release\/cpi.nr0.htm\">BLS CPI<\/a>). RV insurance and car insurance are two different things, and if you own both, you will need two separate policies to be adequately covered.&nbsp;<\/p>\n\n\n\n<p>To find the best RV insurance companies, we looked at RV coverage depth (e.g., full\u2011timer\u2019s liability, vacation liability, emergency expense, personal effects, total loss replacement), availability and agent support, discounts\/pricing, financial strength, and current customer satisfaction context. We referenced <a href=\"https:\/\/www.progressive.com\/rv\/coverages\/\">RV\u2011specific coverages<\/a>, AM Best\u2019s rating guidance (<a href=\"https:\/\/www.ambest.com\/ratings\/guide.pdf\">AM Best<\/a>), and the latest <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-auto-insurance-study\">J.D. Power U.S. Auto Insurance Study<\/a> to compare RV insurance companies and help drivers find the best RV insurance rates.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"picks\" title=\"Top Picks\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The 5 Best RV Insurance Companies <\/h2>\n\n\n\n<ul>\n<li><strong>Progressive:<\/strong> Best overall RV insurance<\/li>\n\n\n\n<li><strong>National General (an Allstate company):<\/strong> Best RV insurance for full-time RVers<\/li>\n\n\n\n<li><strong>Foremost:<\/strong> Best RV insurance for specialty vehicles and older rigs<\/li>\n\n\n\n<li><strong>State Farm:<\/strong> Best RV insurance for bundling and local-agent service<\/li>\n\n\n\n<li><strong>Nationwide:<\/strong> Best RV insurance for one-carrier convenience<\/li>\n<\/ul>\n\n\n\t\t\n<section id=\"block_602180db6894f\" class=\"b-compare-table\">\n\t<h2 class=\"b-compare-table-title\">Compare the Best RV Insurance Companies<\/h2>\n\n\t\t\t<div class=\"b-compare-table__table-wrapper\">\n\t\t\t<table class=\"b-compare-table__table\">\n\t\t\t\t<thead class=\"b-compare-table__table-head\">\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<th><\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tReviews.com Score\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tScore is based on company&#8217;s customer experience, financial stability, and coverage options.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tJ.D. Power Customer Satisfaction*\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tJ.D. Power scores are based on surveys for customer satisfaction and product quality.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tAM Best Rating\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tAM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t<th><\/th>\n\t\t\t\t<\/thead>\n\t\t\t<\/tr>\n\t\t<\/thead>\n\t\t<tbody class=\"b-compare-table__table-body\">\n\t\t\t\t\t\t\t<tr id=\"block_602180db6894f-1\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='1'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">American Family<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>4.8<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>839<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_602180db6894f-2\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='2'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Progressive<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>4.4<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>830<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_602180db6894f-3\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='3'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">National General<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>4<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>803<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_602180db6894f-4\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='4'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">The Hartford<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>4.2<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>834<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_602180db6894f-5\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='5'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Good Sam<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>3.5<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>N\/A<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>N\/A<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t<\/tbody>\n\t<\/table>\n<\/div><\/section>\n\n\n\n<p><em>Information accurate as of November 2025<\/em><\/p>\n\n\n\n<p><em>*J.D. Power <\/em><a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-auto-insurance-study\"><em>2025 U.S. Auto Insurance Study<\/em><\/a><em> average rating across all regions. Based on a 1,000-point scale. <\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"best2\" title=\"Best for Digital Policy Management\"><\/span>\n    \n\n\n\n\n<section id=\"\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\"><\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> <\/h3>\n                                <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\"><\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                \n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"best3\" title=\"Best for Full-Time RVers\"><\/span>\n    \n\n\n\n\n<section id=\"\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\"><\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> <\/h3>\n                                <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\"><\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                \n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"best4\" title=\"Best for Coverage Options\"><\/span>\n    \n\n\n\n\n<section id=\"\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\"><\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> <\/h3>\n                                <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\"><\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                \n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"best5\" title=\"Best for Retired RVers\"><\/span>\n    \n\n                                                \n\n\n<section id=\"the-hartford\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">The Hartford<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Retired RVers<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                RVers who are 50 and older may benefit from quoting for RV insurance from The Hartford. The company&#8217;s partnership with AARP allows it to offer significant discounts and more to older drivers.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.thehartford.com\/aarp\/car-insurance\/classic-car\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare Rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">4.2<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Reviews Score\n                                                    <span class=\"tooltip-content\">Score is based on company&#8217;s customer experience, financial stability, and coverage options.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">834*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                RVers who are 50 and older may benefit from quoting for RV insurance from The Hartford. The company&#8217;s partnership with AARP allows it to offer significant discounts and more to older drivers.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Repair referral available<\/li>\n                            <li>Disappearing deductible coverage<\/li>\n                            <li>Accident forgiveness<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Only for RVers 50 and over<\/li>\n                                    <li>Not many coverage options<\/li>\n                                    <li>Few discounts<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Add-on Coverage<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lifetime repairs<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">New RV replacement with no depreciation<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Multi-policy<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">AARP membership<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Driver safety course<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More The Hartford Insurance Reviews<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><a href=\"https:\/\/www.reviews.com\/insurance\/car\/the-hartford-review\/\">The Hartford Auto Insurance Review<\/a><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/the-hartford-review\/\">The Hartford Homeowners Insurance Review<\/a><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><a href=\"https:\/\/www.reviews.com\/insurance\/renters\/the-hartford-review\/\">The Hartford Renters Insurance Review<\/a><\/span><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"best6\" title=\"Best for Membership Benefits\"><\/span>\n    \n\n\n\n\n<section id=\"\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\"><\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> <\/h3>\n                                <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\"><\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                \n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p><em>*J.D. Power <\/em><a aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-auto-insurance-study\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\"><em>2025 U.S. Auto Insurance Study<\/em><\/a><em> average rating across all regions. Based on a 1,000-point scale.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What Is RV Insurance?&nbsp;<\/h2>\n\n\n\n<p>Just as auto insurance is legally required in most states in the U.S., recreational vehicle (RV) insurance is also required for RV owners to legally operate a vehicle. RV insurance costs tend to be a bit higher than car insurance costs, primarily because of the total worth of the vehicle. Liability coverage is generally required for motorhomes; towable RVs often rely on the tow vehicle\u2019s auto policy for liability but need their own policy for physical damage. Since repair and parts inflation pushed premiums higher in recent years, shopping and optimizing discounts are key (<a href=\"https:\/\/www.iii.org\/insurance-topics\/other-vehicles\/recreational-vehicles\">Insurance Information Institute<\/a>; <a href=\"https:\/\/www.bls.gov\/news.release\/cpi.nr0.htm\">BLS CPI<\/a>). However, there are a number of insurers who offer it, and it is possible to find low-cost RV insurance by comparing quotes from multiple providers or leveraging discounts.&nbsp;<\/p>\n\n\n\n<p>Finding the best RV insurance is similar in many ways to finding the best car insurance. It will require comparing quotes for your coverage requirements, which may include collision and comprehensive coverage, as well as uninsured motorist coverage, and taking into account customer service ratings and policy management options. Given elevated price sensitivity, shopping and switching remain higher than pre\u20112022 norms, making quote comparisons even more important (<a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-insurance-shopping-study\">J.D. Power Insurance Shopping Study<\/a>).&nbsp;<\/p>\n\n\n\n<p>RV insurance may also include Personal injury protection (PIP) or medical payments coverage, depending on whether or not your state requires it, or based on your own level of personal preference. Vacation liability, which is optional, offers financial protection if an accident happens when the RV is being used as a residence. People who live in their RV full time may also need more comprehensive supplemental coverage through a full\u2011timer\u2019s package (similar to homeowners liability), higher personal effects limits, emergency expense coverage, and coverage for custom parts and equipment (<a href=\"https:\/\/www.progressive.com\/rv\/coverages\/\">Progressive<\/a>).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What Does RV Insurance Cover?&nbsp;<\/h2>\n\n\n\n<p>Although an RV is a cross between a vehicle and a house, RV insurance looks more like <a href=\"https:\/\/www.reviews.com\/insurance\/car\/best\">auto insurance<\/a> than <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best\/\">homeowner insurance<\/a>. Your RV insurance coverage will need to include all the required insurance for the state in which the vehicle is registered. This will include liability coverage, and possibly more \u2014 such as PIP or uninsured motorist coverage. Full\u2011time RVers should ask about full\u2011timer\u2019s packages that add homeowners\u2011like liability when the RV is your primary residence.&nbsp;<\/p>\n\n\n\n<p>A licensed insurance agent can go over optional coverages and help you customize your policy to suit your situation. If your RV is separate from your towing vehicle, you may need two separate policies for each vehicle. Be sure your usage classification (recreational, full\u2011time, or rental) is accurate to avoid gaps.&nbsp;<\/p>\n\n\n\n<p>Some policies offer a reduced coverage option for when the RV is garaged. For example, if you travel only during the summer months, you may be able to save significantly by switching to lower-cost storage or lay\u2011up coverage during the winter (<a href=\"https:\/\/nationalgeneral.com\/rv-insurance\/\">National General<\/a>).&nbsp;<\/p>\n\n\n\n<p>If you live full-time in your RV, you may need coverage that looks a little more like homeowners insurance. The best RV insurance companies will likely have coverage that provides protection for the home systems in your RV, such as water and electrical systems, plus a full\u2011timer\u2019s package with personal liability and medical payments to others (<a href=\"https:\/\/www.statefarm.com\/insurance\/auto\/motorhome\">State Farm<\/a> or <a href=\"https:\/\/www.progressive.com\/rv\/coverages\/\">Progressive<\/a>).&nbsp;<\/p>\n\n\n\n<p>Other optional coverages available from your insurer may include coverage for attached accessories such as awnings or satellite dishes, and campsite coverage. You may also want to investigate additional coverage if you routinely travel outside the U.S. Some carriers offer RV\u2011specific endorsements like roof protection and pet injury, and if you plan to rent out your RV, you\u2019ll need owner coverage that permits rentals or coordinated platform coverage to avoid exclusions (<a href=\"https:\/\/www.progressive.com\/rv\/coverages\/\">Progressive<\/a>; <a href=\"https:\/\/www.roamly.com\/rv-insurance\">Roamly<\/a>).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What RV insurance doesn&#8217;t cover&nbsp;<\/h3>\n\n\n\n<p>A basic RV insurance policy \u2014 with no add-ons, or endorsements \u2014 will not always cover things like roadside assistance or safety glass replacement. Wear and tear, maintenance, and many roof\/seam leak issues are typically excluded unless you add an endorsement. It may not offer replacement cost coverage, which pays out on claims without considering depreciation. It also typically will not provide vacation liability, which is protection for the premises when the RV is being used as a residence. Standard personal RV policies usually exclude commercial\/rental use unless specifically endorsed, so owners who rent should secure purpose\u2011built coverage (<a href=\"https:\/\/www.progressive.com\/rv\/coverages\/\">Progressive<\/a>; <a href=\"https:\/\/www.roamly.com\/rv-insurance\">Roamly<\/a>).&nbsp;<\/p>\n\n\n\n<p>Your RV policy may not cover alterations and customizations you&#8217;ve made on your RV, and you will also need to talk to an agent if your RV formerly was used for another purpose \u2014 for example, if you bought a used school bus and renovated it to be used as a mobile residence. Many insurers handle upgrades under Custom Parts &amp; Equipment (CPE) coverage and may require documentation (receipts\/photos\/appraisals), especially for conversions (<a href=\"https:\/\/www.progressive.com\/answers\/converted-van-insurance\/\">insuring converted vans<\/a>).&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How to File an RV Insurance Claim&nbsp;<\/h2>\n\n\n\n<ol>\n<li>To start an RV insurance claim, you will typically first need to take pictures of any and all damage related to the collision or event. If a police report is filed, obtain a copy, and save any other paperwork related to the event to provide to your insurer if necessary.&nbsp;<\/li>\n\n\n\n<li>Contact your RV insurance company as soon as possible with all relevant information. The more information you can supply, the easier it will be for the insurer to process the claim and reimburse you for repairs and replacements. Many carriers now support digital first notice of loss and photo estimating via app or web portal to accelerate simple damage reviews (<a href=\"https:\/\/www.cccis.com\/insights\/crash-course\/\">CCC Crash Course<\/a>), but if not, claims are commonly handled over the phone, or online through the insurer\u2019s website.&nbsp;<\/li>\n\n\n\n<li>Next, a claims representative will be assigned to your case and will serve as your point of contact during the claims process. A damage inspection may be scheduled or an appointment at a recommended repair shop will be made. Some claims may begin with a virtual appraisal before directing you to an RV\u2011capable shop.&nbsp;<\/li>\n\n\n\n<li>Once the claim is approved, the insurance company will either pay the repair shop directly or write a check to you in order to pay the bill. If personal belongings were damaged in the incident, a check or direct deposit into your bank account may be provided, up to policy limits, to replace the items.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\">RV Insurance FAQ <\/h2>\n\n\n<div id=\"block_60218bb17cf42\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What company has the best RV insurance?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">We found that USAA and American Family offer top-tier RV insurance, based on Reviews\u2019 metrics and scores. However, the best fit for you is highly dependent on your situation. Insurers take multiple factors into consideration when determining premiums: the age and model of the RV, where it is housed, the owner&#8217;s age, and personal credit scores (where applicable by law). The recommended strategy for choosing the best RV insurance is to obtain quotes from several companies to see who offers the lowest rates.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_60218bc07cf43\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What does RV insurance cost?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">RV insurance costs vary greatly depending on multiple factors related to both the RV and its owner, including the make and model of the RV, and whether you&#8217;ve ever had a driving infraction, <\/span><a href=\"https:\/\/www.reviews.com\/insurance\/car\/how-dui-affects-your-premiums\/\"><span style=\"font-weight: 400;\">such as a DUI<\/span><\/a><span style=\"font-weight: 400;\">. The amount of insurance requested also plays a role in determining premium costs, as does whether or not the RV is used either as a full-time home or for part-time recreational use. As is true with<\/span><a href=\"https:\/\/www.reviews.com\/insurance\/car\/best-cheap\/\"><span style=\"font-weight: 400;\"> car insurance<\/span><\/a><span style=\"font-weight: 400;\">, it is possible to find the best cheap RV insurance by taking the time to gather and compare several quotes from different RV insurance companies near you.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_60218bd07cf44\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Is Good Sam RV Insurance Good?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Good Sam is the only company on our list of the best RV insurance companies that specializes in RV insurance. The company works with a handful of experienced companies to write its policies, including National General, Progressive, and Safeco Insurance. It specializes in helping RV owners customize their policies to meet specific needs.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_60218be37cf45\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Who insures full-time Rvers?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Any of the companies on our list of the best RV insurance companies should be able to write a policy for full-time use of your RV. However, it may be necessary to speak with a licensed agent to determine if the coverage is right for your situation.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n\n<h2 class=\"wp-block-heading\">Methodology&nbsp;<\/h2>\n\n\n\n<p>We evaluated RV insurance companies based on discounts, coverage, online resources, financial strength and customer satisfaction to determine Reviews.com scores and create our best RV insurance reviews. To compare car insurance companies with other providers across the board, we calculate each Reviews.com score based on the following:<\/p>\n\n\n\n<ul>\n<li>Discounts: Auto insurance companies that advertised more discounts received higher scores in our methodology.<\/li>\n\n\n\n<li>Financial Stability: Reviews.com utilized AM Best ratings to assign a score based on each car insurance company\u2019s financial stability.<\/li>\n\n\n\n<li>Customer Satisfaction: J.D. Power ranks car insurance companies by customer satisfaction, so we used its <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-auto-insurance-study\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">2025 U.S. Auto Insurance Study<\/a> to compare the average rating of insurers across all regions.<\/li>\n\n\n\n<li>Coverage: Car insurance companies were awarded higher scores for advertised coverages beyond the body liability, property liability, collision and personal injury protection \u2014 including RV\u2011specific options like full\u2011timer\u2019s liability, vacation liability, emergency expense, personal effects, total loss replacement, RV\u2011tailored roadside assistance, and roof protection endorsements (<a href=\"https:\/\/www.progressive.com\/rv\/coverages\/\">learn more<\/a>).<\/li>\n\n\n\n<li>Online Resources: We reviewed the digital resources of each car insurance company and awarded higher scores to insurers with mobile claim estimates, digital insurance cards, and more (for example, <a href=\"https:\/\/content.naic.org\/consumer\/what-electronic-proof-insurance\">electronic proof of insurance<\/a> and strong mobile\/web experiences per <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-insurance-digital-experience-study\">J.D. Power\u2019s Digital Experience Study<\/a>).<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Reviews Report Owning an RV means experiencing life on the road or vacation trips across the country. However, like standard cars, RVs still need insurance. Requirements depend on how your rig is classified and used: liability coverage is generally required for motorhomes on public roads, while towable RVs may rely on the towing vehicle\u2019s auto [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":359353,"parent":1760,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"page-templates\/template-refresh.php","meta":[],"categories":[1266],"tags":[],"post_author":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Best RV Insurance Companies of 2021 | Reviews.com<\/title>\n<meta name=\"description\" content=\"We evaluated each provider and assigned superlatives based on their coverage options, discounts, financial strength, and ratings.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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