Best Motorhome Insurance in USA – Find Top Coverage Today

Searching for the best motorhome insurance in the USA? Get quotes & compare coverage options from top providers to find the perfect plan for your RV.

Best Motorhome Insurance in USA

Hitting the road in your motorhome is a fantastic way to explore the USA. But before you embark on your adventure, it’s crucial to have the right insurance in place. Motorhome insurance protects your investment in case of accidents, theft, or other unforeseen circumstances. Finding the best motorhome insurance for your needs can feel overwhelming with so many companies offering various coverages. This guide will help you navigate the options and identify the top providers in the USA to ensure you get the peace of mind and financial protection you deserve for your motorhome adventures.

Top Picks for Best Motorhome Insurance in the USA

Finding the best motorhome insurance in the USA depends on your specific needs and priorities. Here’s a list of top providers in the market to get you started:


Best Overall Nationwide is a well-known insurer that offers a wide range of insurance products, including motorhome insurance. They provide comprehensive coverage options, including liability, collision, and comprehensive, and cover various types of RVs.  Nationwide is a good choice for those who want a customizable policy at an affordable rate.


Best for Discounts and Forgiveness Progressive is a popular choice for RV insurance,  offering a variety of coverage options and discounts. They are known for their disappearing deductibles, which means your deductible amount decreases over time with no accidents.

Good Sam

Best RV Insurance Agency Good Sam is a membership organization that also offers RV insurance. They partner with a variety of insurance companies to provide coverage options for their members. Good Sam is a good option for those who are already members of the organization.

National General

Best for Full Replacement Cost Coverage National General offers RV insurance with full replacement cost coverage. This means that if your motorhome is totaled, they will pay you the full value of the vehicle, regardless of its depreciation. National General is a good option for those who want the most comprehensive coverage possible.


Best for Renting Out Your RV Roamly is a new company that offers RV insurance specifically for those who rent out their RVs. They offer coverage for peer-to-peer rentals, which is not available from most traditional insurance companies. Roamly is a good option for those who want to generate income from their RV.


Best for Weekend Warriors Safeco offers RV insurance for those who use their vehicles less frequently. They have customizable options and cover various types of RVs. Safeco is a good option for those who only use their RV on weekends or for occasional trips.

Auto-Owners Insurance

Best for Customer Service Auto-Owners Insurance is a regional company known for its excellent customer service. They offer RV insurance in some states. Auto-Owners Insurance is a good option for those who prioritize customer service.

The Hartford

Best for Agreed Value Coverage The Hartford offers RV insurance with agreed value coverage. This means that you and the insurance company agree on the value of your RV upfront. If your RV is totaled, you will be paid the agreed-upon value, regardless of its depreciation. The Hartford is a good option for those who want guaranteed coverage for their RV.


Affordable Option Dairyland offers RV insurance at competitive rates. They offer basic and comprehensive coverage options. Dairyland is a good option for those who are looking for affordable RV insurance.


For AARP Members AARP offers RV insurance to its members. They partner with other insurance companies to provide coverage options. AARP is a good option for those who are already members of AARP and want to bundle their insurance coverage.

Remember, the best motorhome insurance company for you will depend on your individual needs and priorities. Be sure to compare quotes from several different companies before making a decision.

Factors to Consider When Choosing Motorhome Insurance

  • Coverage Level:  Consider factors like collision, comprehensive, liability, uninsured motorist, and roadside assistance to determine the level of protection required.
  • Replacement Cost vs. Actual Cash Value: Full replacement coverage ensures you receive the current market value, while Actual Cash Value reimburses you for the depreciated worth.
  • Discounts: Explore available discounts for factors like safe driving records, affiliations, bundling policies, and claiming history.
  • Customer Service Reputation:  Prompt and efficient claim resolution is vital. Research the company’s customer service ratings.
  • Usage: Frequency of travel and full-time versus part-time RV use significantly impact insurance costs.

What Does Motorhome Insurance Cover?

Motorhome insurance offers coverage similar to regular car insurance, but with some extras tailored to the unique needs of a campervan. Here’s a breakdown of the typical protections included:

  • Liability Coverage: This safeguards you financially if you cause an accident and injure someone else or damage their property. It covers medical expenses, lost wages, and repair costs.
  • Collision Coverage: This reimburses you for repairs to your motorhome if it’s damaged in a collision with another vehicle or object.
  • Comprehensive Coverage: This protects your motorhome from non-collision incidents like theft, vandalism, fire, weather events, and animal strikes.

Additional Coverages

Many insurers offer optional coverages to enhance your motorhome insurance plan. These may include:

  • Personal Belongings Coverage: Protects your belongings inside the motorhome in case of theft or damage.
  • Awning and Accessory Coverage: Covers damage to your awning or other attached accessories.

Roadside Assistance: Provides towing, jumpstarts, and other roadside services if your motorhome breaks down.

  • Vacation Liability: Covers you if someone gets injured while using your motorhome for recreational purposes.

It’s important to note that specific coverage details and exclusions can vary between providers.  Always be sure to carefully review your policy with your chosen insurance company to understand exactly what’s covered.

How Much Does Motorhome Insurance Cost?

The cost of motorhome insurance can vary significantly depending on several factors, including:

  • Type of Motorhome: Class A luxury RVs will generally have higher premiums compared to smaller Class B campervans.
  • Value of Your Motorhome: The more expensive your motorhome, the more it will cost to insure.
  • Your Driving Record: A clean driving record with no accidents or violations will typically qualify you for lower rates.
  • Your Coverage Selection: The more comprehensive your coverage (including add-ons), the higher the premium will be.
  • Your Location: Insurance costs can vary depending on where you live and how often you plan to use your motorhome.
  • Your Age: Younger drivers may face higher premiums due to statistically higher accident risks.
  • Frequency of Use: How often you use your motorhome can affect the cost. Less frequent usage might qualify for lower rates.

Here’s a general range of what you might expect to pay:

  • Class A Motorhome: $1,000 – $1,300 annually (on average)
  • Class C Motorhome: $800 – $1,000+ annually (on average)

Remember, these are just estimates. The best way to determine your exact cost is to get quotes from several different motorhome insurance providers.  Be sure to ask about available discounts and tailor your coverage options to fit your specific needs and budget.

Tips for Saving Money on Motorhome Insurance

Here are some tips to help you save money on motorhome insurance:

  • Shop Around and Compare Quotes: Don’t settle for the first quote you get. Be sure to compare rates and coverage options from multiple insurance companies to find the best deal.
  • Increase Your Deductible: A deductible is the amount you pay out of pocket before your insurance kicks in. By increasing your deductible, you can lower your monthly premium. But remember, choose a deductible you can comfortably afford in case of a claim.
  • Maintain a Good Driving Record: A clean driving record with no accidents or violations is one of the biggest factors influencing insurance rates. Practice safe driving habits to keep your record clean and qualify for lower premiums.
  • Take Advantage of Discounts: Many insurance companies offer discounts for things like being a mature driver, having a good driving record, taking defensive driving courses, being a member of clubs or organizations, storing your RV securely, and insuring multiple vehicles with the same company.
  • Customize Your Coverage: Don’t pay for coverage you don’t need. Evaluate your needs and choose a plan that offers the right balance of protection and affordability. Consider factors like the value of your motorhome, how often you use it, and where you store it.
  • Ask About Pay-As-You-Go Insurance: Some insurers offer pay-as-you-go plans that base your premium on how much you drive your motorhome. This can be a good option if you only use your RV occasionally.
  • Store Your Motorhome Securely: Storing your RV in a secure location like a garage or gated storage facility can lead to lower premiums compared to leaving it out in the open.
  • Consider Agreed Value Coverage: If your motorhome is older but well-maintained, agreed value coverage can ensure you receive its predetermined value in case of a total loss, rather than just the depreciated value.

By following these tips, you can save money on your motorhome insurance and enjoy your RV adventures with peace of mind.


Is motorhome insurance mandatory?

In most US states, motorhome insurance is mandatory, similar to car insurance. Requirements vary by state, so it’s wise to check your local regulations.

How much does motorhome insurance cost?

Motorhome insurance costs vary depending on your coverage level,  motorhome value, driving record, location, and usage patterns.

What factors affect motorhome insurance rates?

The factors mentioned above all influence motorhome insurance rates. Additionally, your age, credit score, and any modifications made to your motorhome can play a role.

How can I save money on motorhome insurance?

Maintaining a good driving record, taking advantage of discounts, comparing quotes from multiple insurers, and storing your RV securely can all help lower your insurance costs.

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