10 Best RV Insurance Providers for 2025

Owning an RV opens the door to endless adventures, from cross-country road trips to serene weekends in nature. However, protecting your investment with the right insurance is crucial for peace of mind. RV insurance is unique, blending elements of auto and home coverage to address the specific risks of a recreational vehicle. Whether you’re a part-time camper or a full-time nomad, here are ten of the best RV insurance providers for 2025, each offering tailored policies, competitive discounts, and dependable service.

1. Progressive

Progressive stands out as a top choice for RV insurance due to its extensive coverage options and affordability. With policies available for Class A, B, and C motorhomes, as well as travel trailers and fifth-wheels, Progressive caters to a wide range of RVers. Their standard policies include accident forgiveness for claims under $500 and pet injury coverage at no extra cost. Progressive also offers a “Name Your Price Tool,” allowing you to customize coverage within your budget. Discounts like multi-policy bundling and a disappearing deductible (reduced by 25% for each claim-free year) make it a cost-effective option. However, RV insurance quotes are available online, and coverage is not offered in Hawaii or Washington, D.C.

2. Good Sam Insurance Agency

Good Sam is a favorite among RV enthusiasts, offering customized policies through top insurers like National General, Progressive, and Safeco. They provide coverage for all RV types, including full-timer policies and Mexico travel coverage. Good Sam’s storage discount can save up to 53% when your RV is not in use, and their multi-vehicle discount offers up to 20% off when bundling RV and auto policies. With 24/7 customer service and a membership program that includes campground and fuel discounts, Good Sam is ideal for dedicated RVers. Note that Good Sam is an agency, not a direct insurer, so coverage terms may vary by provider.

3. National General

National General is known for its customizable policies and competitive rates, making it a strong choice for RVers seeking tailored coverage. They offer online quotes, a rarity among RV insurers, and provide a multi-policy discount of up to 20% when bundling RV and auto insurance under a single deductible. Coverage includes full replacement cost, personal effects, and emergency expenses, with options for full-timers. National General’s downside is a higher number of customer service complaints, so it’s wise to research their claims process thoroughly.

4. Auto-Owners

Auto-Owners earns high marks for customer satisfaction, particularly for its claims handling, receiving a B grade from collision repair professionals. They offer comprehensive coverage for motorhomes and travel trailers, including pet medical coverage (up to $1,500) and additional expense coverage for rentals if your RV is unusable after an accident. While quotes are not available online, their strong reputation for service makes them a reliable choice for those prioritizing a smooth claims experience.

5. Nationwide

Nationwide is renowned for its extensive discount offerings, including savings for safe driving, RV association memberships, and paying premiums upfront. They insure nearly all RV types, from Class A motorhomes to truck campers, and offer add-ons like total loss replacement and vacation liability. Nationwide’s customer satisfaction scores are mixed, ranking below average in some regions per J.D. Power’s 2024 Auto Insurance Study, but their variety of discounts makes them appealing for cost-conscious RVers.

6. Geico

Geico provides affordable RV insurance with policies tailored for both motorized and towable RVs. Their total loss replacement coverage is a standout, paying for a new RV if yours is totaled within the first four model years. Geico’s user-friendly app simplifies policy management and claims filing, and discounts like defensive driver and military savings add value. However, enhanced RV coverage is unavailable in Hawaii, Massachusetts, Michigan, and North Carolina.

7. Roamly

Roamly specializes in insuring full-time RVers and those who rent out their RVs, a feature not commonly offered by other providers. They provide coverage for emergency expenses, debris removal, and loss assessment for HOA fees. Roamly’s policies are flexible, allowing changes or cancellations at any time, and their RV-focused approach ensures comprehensive protection at competitive rates. Their customer support is U.S.-based, enhancing accessibility.

8. Foremost

As America’s first mobile home insurance provider, Foremost (owned by Farmers Insurance) offers robust coverage for both full- and part-time RVers. Their policies include comprehensive liability, total loss replacement, and emergency expense coverage. Discounts for safety features like airbags and anti-lock brakes, along with multi-policy bundling, help lower costs. Foremost’s specialized RV coverage is particularly appealing for those seeking a provider with deep expertise in the field.

9. Safeco

Safeco, part of Liberty Mutual, is a solid option for Massachusetts residents and beyond, offering customizable RV insurance with add-ons like personal effects and roadside assistance. Their diminishing deductible, which reduces by $100 each claim-free year for up to five years, is a unique perk. Safeco works exclusively through independent agents, ensuring personalized service, and their partnership with driver safety programs enhances their appeal for safety-conscious RVers.

10. The Hartford

The Hartford is an excellent choice for RVers aged 50 and older, thanks to its partnership with AARP, which unlocks significant discounts. They offer comprehensive coverage for motorhomes and trailers, including add-ons like personal effects and vacation liability. The Hartford’s A+ AM Best rating reflects strong financial stability, ensuring reliable claim payouts. Their focus on older drivers makes them a great fit for retirees exploring the open road.

Choosing the Right RV Insurance Provider

Selecting the best RV insurance provider depends on your specific needs. Full-time RVers may prioritize providers like Roamly or Progressive for their comprehensive liability and full-timer packages. Part-time RVers might lean toward Nationwide or Good Sam for their storage discounts and vacation liability options. Consider factors like RV type, usage frequency, and desired add-ons when comparing quotes. Always check state-specific requirements, as most states mandate liability coverage for motorhomes, similar to auto insurance. For towable RVs, liability may extend from your auto policy, but comprehensive coverage is often recommended, especially if your RV is financed.

Bundling RV insurance with auto or home policies can save 5-20%, and many providers offer discounts for safe driving, RV association memberships, or installing safety features like smoke detectors. Be sure to review coverage limits, especially for personal liability (recommended at $100,000 per person or higher) and personal property ($300,000 per accident). For unique situations, such as renting out your RV or traveling to Mexico, confirm provider policies, as coverage varies.

Final Thoughts

RV insurance is more than a legal requirement—it’s a safeguard for your adventures and investment. The providers listed here offer a range of options to suit different RV lifestyles, from Progressive’s budget-friendly policies to Roamly’s full-timer expertise. Take time to compare quotes, review discounts, and assess customer service reputations to find the perfect fit. With the right coverage, you can hit the road with confidence, knowing your RV is protected wherever the journey takes you.