What are Colorado's RV insurance requirements?
RVs can be divided into two groups: those that can move under their own power and those that need to be towed. For the former group, which includes Class A, Class B, and Class C motorhomes, the liability coverage requirements for RV insurance in Colorado are the same as they are for cars:
- $25,000 in bodily injury per person
- $50,000 in total bodily injury per accident
- $15,000 in property damage per accident
RV insurance doesn't have to break the bank. We offer liability policies for as little as $125/year!* Find out what your policy would cost with an online RV insurance quote for your motorhome or travel trailer.
Colorado RV insurance coverages
Bodily Injury and property damage liability coverage
Bodily injury coverage may pay for medical bills and legal fees if another person gets hurt in an accident and you're deemed at fault. Property damage coverage applies when you're at fault for damage to other vehicles or objects, such as buildings, road signs, and more. When choosing coverage limits, consider how much coverage you'll need to protect your assets in an incident.
Comprehensive and collision coverage
Even though comprehensive and collision coverages are not required by law, lenders may require you to carry them under the terms of an RV loan or lease.
Collision coverage protects your vehicle from damage that results from accidents, including collisions with other vehicles, objects like trees or road signs, or even accidents like rollovers that don't involve anyone else.
Comprehensive coverage may cover costs for repairing or replacing your RV when it is damaged by events beyond your control like vandalism, extreme weather, fire, and collisions with wild animals.
What if I live in my RV full-time?
When you live in an RV most or all of the time (six months of the year or more), you may need a level of insurance coverage that looks more like a homeowners insurance or renters insurance policy rather than a standard recreational Colorado RV insurance policy offers. Some differences in "full-time RV insurance " policies include:
- Medical payments: Medical payments coverage may pay for medical bills if someone hurts themselves in your RV or the area around it.
- Personal liability: Personal liability coverage may cover you if you’re liable for another party’s injuries or damages while your RV is parked.
- Loss assessment: This coverage may pay for costs to repair the property where your vehicle is parked.
Other RV coverages available in Colorado
There's a long list of RV insurance coverages available from Progressive to help suit your needs, including:
Roadside assistance can pay for a tow to the nearest repair shop if your RV gets a flat tire or breaks down.
Roof Protection Plus® can pay to replace or repair the damaged roof of your motorhome, even if the damage is the result of normal wear and tear.**
Emergency expense coverage can pay for travel and hotel costs if your RV is inoperable due to a covered event when you're more than 50 miles from home.
Pest damage protection can help pay for repairs when a wild animal like a bird or raccoon damages your RV.**
Total loss replacement helps to pay for the cost of a brand-new RV if yours is totaled in a covered incident.
Replacement cost/personal effects can help you repair or replace belongings in the RV that have been lost or damaged during a covered incident.
Pet coverage can pay up to $1,000 in veterinary expenses if your pet is injured in a covered accident.
Learn about all the available RV insurance coverages.
How much is RV insurance in Colorado?
Colorado RV insurance rates depend on many factors, such as:
- Use: The more you use your RV, the more you're likely to pay to insure it.
- Claims history: Your history of making insurance claims can affect your rates.
- Type and model: Bigger, newer RVs are generally more costly to insure than smaller ones. Motorhomes are usually more expensive to insure than travel trailers.
Learn more about how RV insurance rates are calculated.
How can I get lower rates for RV insurance in Colorado?
Lower your cost for RV insurance in Colorado with the following Progressive discounts:
- Accident-free: A clean driving record for the last three years can lower your premium.
- Multi-policy discount: Bundling multiple Progressive policies can help you save.
- Homeowner: Owning a home, condo, or single or double-wide will lower your rates even if you don't insure it with Progressive.
- Original owner: If you're the vehicle's first owner, you'll pay less to insure it.
Find out more about all the RV insurance discounts we offer.