6 Best RV Insurance Companies of May 2025

RV insurance is a crucial investment for both full-time RV living and occasional trips. Premiums can vary based on factors such as your driving record, RV model, location, and may change annually. It is recommended to shop around and get new quotes once your policy is up for renewal. Some of the top picks for RV insurance include Progressive, Auto-Owners Insurance, and National General.

Money’s editorial team has extensively evaluated RV insurance providers since 2016, taking into account factors such as customer satisfaction, financial stability, coverage options, and availability. The research involved reviewing over 15 companies, conducting over 1,000 hours of research on coverage, available discounts, and customer satisfaction.

When choosing the best RV insurance companies, coverage options, discounts, customer satisfaction, financial strength, and complaint index were all considered. Companies like Progressive, Auto-Owners Insurance, and National General stood out for their comprehensive coverage options, competitive pricing, and positive customer feedback.

While Progressive offers disappearing deductibles and accident forgiveness, Auto-Owners Insurance has a high J.D. Power Customer Satisfaction rating in several states and a B grade on Crash Network’s Insurer Report Card. National General stands out for its specialized coverages for every type of RV owner and unique benefits such as coverage for specialized equipment and pet insurance.

Other notable RV insurance companies considered during the evaluation process include RVInsurance.com, AAA, Allstate, and Geico. Each company offers different coverage options and discounts, but the top picks were selected based on their standout features and customer satisfaction ratings.

RV insurance coverage includes options for part-time RVers and full-time RVers, with common coverage including liability, property damage, collision, comprehensive, and more. The cost of RV insurance varies depending on factors like the type of RV, age, condition, location, driving record, and coverage options selected.

To purchase RV insurance, it is recommended to determine the coverage needed, shop around for quotes, look for discounts and policy bundles, and consider specialized insurance for renting out your RV. RV insurance does not typically cover rental situations, so renters will need to obtain their own insurance.

In summary, RV insurance is essential for protecting your investment and ensuring peace of mind while traveling. By understanding the coverage options, discounts, and factors that influence premiums, RV owners can select the best insurance policy for their needs. Remember to review and compare quotes from multiple insurers to find the most suitable coverage for your RV.