Best RV insurance: Top providers and coverage options

Written by: Warren Clarke
• Updated •2 min read
This date may not reflect recent changes in individual terms.
Distant view of a woman sitting near her camper van using with the sunset in the backgroundImage: Distant view of a woman sitting near her camper van using with the sunset in the background

In a Nutshell

Your RV blends the comforts of a home with a vehicle's mobility. Our picks for the best RV insurance providers have helpful coverage options specific to this unique form of transportation.
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Whether you use it for weekend getaways or extended excursions, your RV can be a home on wheels. Many auto insurers provide a range of RV insurance — so whether you want coverage for a small camper van or a king-size Class A motorhome, you should be able to find a policy that fits the bill.

In picking the best RV insurance providers, we considered each company’s selection of discounts and products. We also looked at A.M. Best ratings for financial stability and consumer complaints from the National Association of Insurance Commissioners, or NAIC. Here are some of the best insurance providers for different RV owners.

FAQs about RV insurance

I have a travel trailer that I pull with my car. Do I need RV insurance?

States don’t legally require you to insure a vehicle you’re pulling with your car or truck. But if you’re financing your travel trailer, the lender may require comprehensive and collision coverage.

How can I get the best rates on RV insurance?

If you store your RV, choose a secure facility since the storage location may impact your rates. As with standard car insurance, a good driving record will help your monthly premium. Also, make sure you tap into any discounts that can help reduce your RV insurance bill.

If I use my RV part-time, should I cancel my insurance while it’s in storage?

While it might save you money in the short term, it’s not a good idea to cancel your RV insurance while it’s in storage. A parked vehicle could be damaged or destroyed due to fire, flood or theft. Maintaining coverage for these risks helps ensure you’re always protected.

How we picked these insurers

We considered availability, policy options, and discounts to arrive at our choices. We evaluated A.M. Best ratings regarding financial health and factored in NAIC data that compared each company’s total complaints against a national index. We also considered discount options and range of services.

About the author: Warren Clarke is a writer whose work has been published by Edmunds.com and the New York Daily News. He enjoys providing readers with information that can make their lives happier and more expansive. Warren holds a Bac… Read more.