Article
10 Best RV Insurance Companies for 2025
Protect your home on wheels with the best RV insurance of 2025. Compare coverage for motorhomes, travel trailers, and campers from top-rated providers with comprehensive protection.
RV insurance protects your recreational vehicle from accidents, theft, and damage while providing liability coverage for your adventures. Whether you have a small camper or a luxury motorhome, proper coverage is essential.
Our team analyzed over 20 RV insurance providers, comparing coverage options, pricing, and customer experiences. Here are the 10 best RV insurance companies for 2025.
Quick Comparison
| Provider | Best For | Annual Premium | Rating |
|---|---|---|---|
| 1. Progressive RV Insurance | Best Overall | $500-$1,500 | ★4.9/5 |
| 2. National General | Best for Full-Timers | $600-$1,800 | ★4.8/5 |
| 3. Good Sam Insurance | Best for RV Enthusiasts | $400-$1,400 | ★4.8/5 |
| 4. GEICO RV Insurance | Best Value | $350-$1,200 | ★4.7/5 |
| 5. Allstate RV Insurance | Best for Bundling | $500-$1,600 | ★4.6/5 |
| 6. State Farm RV Insurance | Best Agent Network | $450-$1,500 | ★4.6/5 |
| 7. Safeco RV Insurance | Best Coverage Options | $550-$1,700 | ★4.5/5 |
| 8. Farmers RV Insurance | Best for Customization | $500-$1,600 | ★4.5/5 |
| 9. Nationwide RV Insurance | Best for New RVs | $450-$1,400 | ★4.4/5 |
| 10. Foremost RV Insurance | Best for Specialty RVs | $400-$1,300 | ★4.4/5 |
Our Top Picks in Detail
Progressive RV Insurance
Progressive insures more RVs than any other company, offering specialized coverage for all types of recreational vehicles including full-timer policies for those who live in their RV.
Pros
- ✓Largest RV insurer in US
- ✓Full-timer coverage available
- ✓Replacement cost option
- ✓24/7 claims service
- ✓Bundling discounts
Cons
- ✗Rates vary significantly
- ✗Limited agent network
- ✗Some exclusions apply
National General
National General excels in full-timer coverage, treating your RV as a true home with liability coverage even when parked and comprehensive personal effects protection.
Pros
- ✓Extensive full-timer options
- ✓Liability for stationary RV
- ✓Total loss replacement
- ✓Mexico coverage available
- ✓Specialized RV focus
Cons
- ✗Higher premiums
- ✗Limited online tools
- ✗Must call for quotes
Good Sam Insurance
Good Sam combines RV expertise with club member benefits, offering roadside assistance and campsite liability coverage specifically designed for the RV lifestyle.
Pros
- ✓RV-specific expertise
- ✓Good Sam Club discounts
- ✓Roadside assistance included
- ✓Campsite liability coverage
- ✓Vacation liability option
Cons
- ✗Club membership helps rates
- ✗Limited coverage customization
- ✗Underwritten by third party
GEICO RV Insurance
GEICO offers competitive RV insurance rates with their signature easy online experience. Multi-policy discounts can significantly reduce costs for existing GEICO customers.
Pros
- ✓Competitive pricing
- ✓Multi-policy discounts
- ✓Easy online quotes
- ✓24/7 claims service
- ✓Replacement cost available
Cons
- ✗Lower personal effects limits
- ✗Limited RV-specific features
- ✗Basic coverage options
Allstate RV Insurance
Allstate's agent network provides personalized RV coverage with strong bundling discounts. Their deductible rewards program reduces your deductible for each claim-free year.
Pros
- ✓Strong bundling discounts
- ✓Local agent network
- ✓Accident forgiveness
- ✓Deductible rewards
- ✓Well-known brand
Cons
- ✗Higher base rates
- ✗Some restrictions apply
- ✗Must use agent for RV
State Farm RV Insurance
State Farm's extensive agent network ensures local, personalized service for RV owners. Their financial strength provides peace of mind for claims.
Pros
- ✓Largest agent network
- ✓Personal service
- ✓Drive Safe discount
- ✓Multiple coverage options
- ✓Strong financial ratings
Cons
- ✗Rates can be higher
- ✗Must use agent
- ✗Limited online RV options
Safeco RV Insurance
Safeco offers some of the most comprehensive RV coverage available, including pest damage, attached accessories, and high personal effects limits up to $15,000.
Pros
- ✓High personal effects limits
- ✓Attached accessories covered
- ✓Pest damage coverage
- ✓Emergency expense benefits
- ✓Total loss replacement
Cons
- ✗Independent agents only
- ✗Less brand recognition
- ✗Fewer discounts
Farmers RV Insurance
Farmers allows extensive customization of RV coverage with various add-ons and endorsements. Their Signal app can provide additional discounts for safe driving.
Pros
- ✓Highly customizable policies
- ✓Umbrella coverage available
- ✓Local agent support
- ✓Multiple discounts
- ✓Signal app savings
Cons
- ✗Higher premiums
- ✗Agent required
- ✗Quote process takes time
Nationwide RV Insurance
Nationwide's new RV replacement and agreed value options protect your investment. Their vanishing deductible rewards claim-free driving over time.
Pros
- ✓New RV replacement
- ✓Agreed value option
- ✓Vanishing deductible
- ✓On Your Side reviews
- ✓Pet injury coverage
Cons
- ✗Agent required for RV
- ✗Limited online RV tools
- ✗Some exclusions
Foremost RV Insurance
Foremost specializes in unique and specialty RVs including vintage motorhomes, conversions, and custom builds that other insurers may decline.
Pros
- ✓Covers vintage RVs
- ✓Specialty vehicle expertise
- ✓Conversion coverage
- ✓Agreed value available
- ✓Tailored to unique RVs
Cons
- ✗Less brand recognition
- ✗Limited online presence
- ✗Agent required
How We Evaluate RV Insurance
Our evaluation methodology includes:
Coverage Analysis
- Liability and collision coverage
- Comprehensive protection
- Personal effects coverage
- Emergency expense benefits
Pricing Factors
- Premium competitiveness
- Deductible options
- Available discounts
- Full-timer pricing
Customer Experience
- Claims process satisfaction
- Agent accessibility
- Online tools and apps
- Roadside assistance quality
Frequently Asked Questions
Do I need special RV insurance?
Yes. Regular auto insurance doesn’t adequately cover RVs. RV insurance provides specialized coverage for your vehicle’s unique features, personal belongings inside, and RV-specific risks.
What types of RVs can be insured?
Most insurers cover Class A, B, and C motorhomes, travel trailers, fifth wheels, pop-up campers, and toy haulers. Some also cover specialty and vintage RVs.
What is full-timer coverage?
Full-timer coverage treats your RV as your primary residence, providing liability protection similar to homeowners insurance and comprehensive personal property coverage.
How much does RV insurance cost?
Annual premiums typically range from $400-$1,500 for occasional use, and $1,000-$2,500+ for full-timer coverage. Factors include RV type, value, usage, and driving record.
What does RV insurance cover?
Standard coverage includes liability, collision, comprehensive, and uninsured motorist. Optional add-ons cover personal effects, emergency expenses, vacation liability, and Mexico travel.
Can I get seasonal RV insurance?
Yes. Many insurers offer seasonal policies with reduced rates during storage months when you’re not using your RV, lowering your annual costs.