RV Insurance

Protect your RV for as low as $125 per year^*

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Get an RV insurance quote designed for personalized protection

Whether you use your recreational vehicle for fun or as a full-time residence, depend on the RV experts at Progressive for insurance on your motorhome or travel trailer. Quote RV insurance online in as little as three minutes, and then hit the road with the best coverage at an affordable cost.

Motorhome or travel trailer? Choose the right type of RV insurance

Do you drive your RV? If so, you need a motorhome insurance policy. If you pull your RV with a different vehicle, you need a travel trailer insurance policy. See the types of RVs we insure.

WAYS TO SAVE

Affordable protection with one of the best RV insurance companies

Our annual RV insurance liability policies start as low as $125.^* Discover the discounts you can earn for a low-cost RV insurance policy.

Multi-policy

If you currently have a home, renters, condo, auto, boat, or motorcycle policy with Progressive, you can earn additional savings when you add RV insurance.

Save by bundling insurance

Original owner

Are you the original owner of your motorhome or travel trailer? Regardless of your RV’s age, we’ll add on a discount.

Responsible driver

Progressive rewards safe drivers. You’ll earn a discount if you’ve driven ticket- and accident-free for the past three years.

Advanced quote

Earn a discount when you purchase your RV insurance policy at least one day prior to your start date.

See all RV discounts

WHY CHOOSE US?

Affordable coverage

Personalize your motorhome or trailer policy without breaking the bank.

Get cheaper RV insurance
Specialized reps

For over 85 years, we've covered motor vehicles, and we're experts at protecting custom trailers.

Insure your travel trailer
Environmental focus

You can have a tree planted on your behalf when you quote and buy RV insurance online.

Support reforestation

Types of RVs and trailers we insure

Do you drive your RV? Here are the categories of motorhomes that we typically insure:

Do you tow your RV with another vehicle? We specialize in covering travel trailers:

RV insurance with a wide range of coverages for optimum protection

Whether you're on the road, at a campsite or park, or living in your RV full-time, our specialized coverage can safeguard you and your RV against unexpected situations.

Required

Liability

For motorhomes: RV liability coverage is required in nearly every state and can pay for property damage and injuries you cause to others, as well as legal expenses.

For travel trailers: Bodily injury and property damage liability coverages aren’t available because the vehicle pulling your trailer already provides the liability coverage.

Example: At an intersection, your motorhome collides with a car and you're liable for damages and injuries. RV liability coverage can pay to repair the damaged car and the medical bills for the injured driver, up to the limits of your policy.

Recommended

Comprehensive and Collision

RV comprehensive and collision coverages safeguard against physical damage and loss. If you finance or lease your RV, both coverages are usually required by your lender.

Comprehensive covers incidents beyond your control, including theft, vandalism, fire, and weather-related issues. Note: you typically won't be able to purchase a travel trailer policy without comprehensive coverage.

Collision covers damage to your RV if you collide with an object or vehicle.

Example: While parked at a campsite, your motorhome's awning is damaged in a storm. Comprehensive may pay to replace the awning, minus your deductible.

Example: Your travel trailer is totaled in a highway accident. Collision can cover the cost of a new trailer, minus your deductible.

Optional

Total loss replacement{{dagger}}

We'll pay to replace your totaled travel trailer or motorhome with a brand new one, minus your deductible, so long as your RV is five model years old or less.

If your RV is older than five model years, you'll receive the amount specified in your policy.

Example: If your totaled RV originally cost $55,000, but is only worth $45,000 today, we'll pay to replace it with the same model year or later and the same trim level or better—even if it costs more than the original vehicle’s purchase price.

Optional

Replacement cost/personal effects

We cover your personal property inside your motorhome or travel trailer, up to the limits you specify.

Example: You accidently back your trailer into a picnic table, damaging your cell phone and tablet. Your policy can pay to replace the items up to the limits of your policy.

See all RV coverages

Do you need RV insurance?

Nearly every state mandates RV liability coverage before you can get behind the wheel of a motorhome. There are no state laws that require insurance for trailers, but, if you finance or lease your travel trailer, your lender will require you to carry an RV insurance policy with comprehensive and collision coverage. Learn more about RV insurance requirements by state.

Even if your RV is paid in full, a policy can be worthwhile; your RV is often one of your most valuable possessions and should be protected.

Pro tip:

If your motorhome or travel trailer is also your permanent residence, you may need full-time RV insurance. Progressive offers optional coverages for personal liability, medical payments, and loss assessment so you're properly protected if you reside in your RV more than six months out of the year.

RV insurance FAQ

Annual liability RV policies from Progressive remain affordable, starting at just $125^* per year. Your price for motorhome and travel trailer insurance depends on a variety of factors like your location, type of RV, driving history, usage, and coverage selection.
Find out more about the factors impacting your cost for RV insurance.
Comprehensive coverage under your motorhome or travel trailer policy can cover water damage caused by a covered peril, as well as repairs to your RV’s roof. Even if the leak was a result of wear and tear, you may be covered if you add Progressive’s Roof Protection Plus® to your RV policy. This coverage can be purchased for motorhomes or trailers less than six years old and may pay to repair or replace your damaged roof. A $250 deductible applies. Learn more about how RV insurance can cover water damage.
Here are a few tips to get an accurate RV insurance quote:
- Know your RV's year, make, and model: If you don't know your VIN, you can still get an accurate RV insurance quote if you know basic information about your RV (you will need your VIN to purchase a policy)
- Add all drivers: Family members who regularly drive your motorhome should be added to your quote so you're adequately covered
- Choose coverages that fit your needs: For example, if you travel with expensive items like a laptop or camera, consider personal effects coverages to protect against damage to your belongings