Best RV insurance companies of 2026

If you’re planning to hit the road with an RV, make sure you have the right insurance plan. A travel trailer could be covered by your existing auto policy, but a motorhome generally requires its own coverage

CNBC Select reviewed more than 30 auto insurance companies that cover RVs and chose the best in a variety of categories. See our methodology for more on how we made our choices.

Who's this for? Progressive had the lowest rates among the providers we reviewed and its range of discounts can lower your premiums even further. Rate discounts are available for original owners, paying in full, responsible driving, bundling, homeowners and more

Standout benefits: Progressive's accident forgiveness benefit means your premiums won't increase if you file a claim for less than $500.

Who's this for? Farmers offers TraveLine towing and roadside assistance benefits specifically designed to help RV owners, including jump-starts, tire changes, fluid delivery and locksmith services. It works with a network of over 20,000 towing and road service facilities. 

Standout benefits: Farmers offers optional full-timer RV coverage. Emergency expense coverage is available for lodging and other costs if you're stranded far from home.

Who's this for? Nationwide's RV-friendly discounts include reductions for belonging to an RV association, completing an RV safety course and insuring multiple vehicles.

Standout benefits: Responsible RVers can save up to 40% with the SmartRide safe-driving app. Bundling your home and RV policy can save you up to 20%.

Who's this for? Good Sam can save you as much as 53% if you store your RV when you're not using it. Collision and liability coverage will pause, but you'll still be protected from theft, fires, storms and other hazards.

Standout benefits: Good Sam includes up to $3,000 of full replacement cost coverage at no additional cost. It's also one of only a few companies that offer RV coverage in Mexico.

Who's this for? Roamly specializes in covering people who spend more than six months a year in their RVs. Its full-timer coverage provides personal liability protection and increased content limits, as well as coverage for emergency expenses, adjacent structures, debris removal and loss assessment for HOA fees.

Standout benefit: Unlike many competitors, Roamly allows RV owners to rent out their vehicles.

Who's this for? Geico's total loss replacement coverage is a great option that can pay for a new RV if yours is totaled in the first four model years. In the fifth through seventh years, the payout is either the purchase price or the actual cash value, whichever is higher.

Standout benefits: Geico offers personal effects replacement up to $100,000, more than many competitors.

Who's this for? Allstate covers Class A, B and C motorhomes and toterhomes, with special policies for Airstream travel trailers and other vehicles.

Standout benefits: Pet bills and tow bar/tow dolly damage are covered at no extra cost if you have both collision and comprehensive coverage.

RV insurance works much like auto insurance, reimbursing expenses related to repairing or replacing the vehicle after an accident, theft or natural disaster. Liability coverage pays if you cause bodily injury or property damage. 

Owners can also opt for personal property coverage for belongings stolen or damaged inside the RV, medical payment coverage, coverage for uninsured or underinsured drivers and towing and roadside assistance. Customization coverage can pay to repair or replace non-factory upgrades. 

For trailers — including fifth-wheels, pop-up campers and Airstreams — your tow vehicle’s liability insurance can cover any damages you cause. For a motorhome, you’ll need a standalone liability policy that meets state requirements.

Standard coverages

• Liability coverage: Pays for injuries or property damage you cause to others in an accident.(Legally required).
• Collision coverage: Pays for repairs to your RV in a collision, regardless of fault. 
• Comprehensive coverage: Covers theft, vandalism, fire and other non-collision incidents.
• Uninsured/underinsured motorist: Pays for medical bills and vehicle repairs if another driver hits you and lacks adequate insurance. 
• Medical payments: Covers medical or funeral expenses for you and your passengers after an accident.

Optional add-ons

• Personal effects: Reimburses the cost of clothing, electronics and other possessions kept in your RV.
• Roadside assistance: Covers towing, flat tires, jump-starts and other assistance if you break down.
• Vacation/campsite liability: Protects you if someone is injured while your RV is parked at a campsite.
• Full-timer coverage: Comprehensive personal liability and medical protection tailored if you spend most of the year in your RV.

According to J.D. Power, the average annual insurance premium for a gas-powered Class A motorhome is between $1,000 and $1,300, based on 140 days of use per year.

Like car insurance, however, RV insurance premiums depend on many factors — including the type of vehicle, its age, whether it’s used as a residence and your driving history. 

Many of the ways to save on auto insurance apply to RVs, as well, including completing a safe driving course, paying in full, raising your deductible and bundling your RV policy with homeowners insurance. You may also save money by storing your RV when you're not using it and suspending liability and collision coverage.

If you live in your RV for much of the year, full-timer coverage is an add-on that operates like a homeowners insurance policy. It typically adds personal liability and medical payment coverage, raises the contents limits on your policy and pays for HOA fees if you belong to an RV association or park community.

Most insurers define full-time living as spending 150 to 180 days or more per year in your RV. If you've financed your RV, your lender may require a full-timer policy. In addition, if you sell your sticks-and-bricks house, you lose any liability protection from your homeowners policy.

Full-timer coverage can range from $1,500 to more than $4,000 per year, depending on your location, rig type and coverage limits.

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every insurance review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of insurance products. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics.

CNBC Select analyzed more than two dozen U.S. insurance companies that cover a variety of RVs, trailers and motorhomes

When ranking the best RV insurance companies, we focused on cost, coverage, availability, types of RVs covered, the number of discounts, ease of use, financial strength ratings from AM Best and customer satisfaction rankings from J.D. Power, the Better Business Bureau and the National Association of Insurance Commissioners.

We also considered CNBC Select audience data when available, such as general demographics and engagement with our content and tools.

Based on those criteria, our picks for best RV insurance are:

Best for affordability: Progressive
Best for part-time RVers: Good Sam
Best for discounts: Nationwide
Best for roadside assistance: Farmers
Best for full-time RVers: Roamly
Best for total loss replacement: Geico
Best for motorhomes: Allstate

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