Florida RV insurance

Florida is considered one of the best states in the country for full-time RVers, making RV culture a way of life in the Sunshine State. Regardless of whether your RV is your permanent residence, vacation home, or weekend getaway vehicle, you need personalized protection for your motorhome or travel trailer. Progressive can help you attain affordable and customized RV insurance in Florida with a long list of available coverages and discounts.

5 to read

Explore Progressive's editorial standards for Answers articles to find out why you can trust the insurance information you find here.

Do you need RV insurance in Florida?

Before you’re able to get behind the wheel of your motorhome, Florida requires that all motorists carry coverage for personal injury protection and property damage liability. Personal injury protection (PIP) may pay for injuries you sustain in an accident, up to the limits of your policy and regardless of fault. Property damage liability coverage may pay for damages you cause while driving your motorhome, up to your coverage limit.

Coverage	What it covers	Amount
Required: Personal injury protection (PIP)	What it coversYour medical bills, lost wages, death benefits, and other services if you’re injured in a motor vehicle accident.	Amount$10,000
Required: Property damage liability coverage (PD)	What it coversDamage you cause to another vehicle or property while driving your motorhome.	Amount$10,000
Optional: Bodily injury liability coverage (BI)	What it coversInjuries you cause to someone else while driving your motorhome.	Amount$10,000 per person, $20,000 per accident
Optional: Uninsured/underinsured bodily injury coverage (UM/UIM BI)	What it coversInjuries to you or your passengers caused by a motorist with no insurance or not enough coverage.	Amount$10,000 per person, $20,000 per accident

Florida doesn’t mandate coverage for bodily injury and liability or uninsured/underinsured bodily injury, but they are important coverages. Bodily injury liability coverage may pay for injuries you cause to others while driving your motorhome and uninsured/underinsured bodily injury coverage can cover you if a driver with no insurance or not enough coverage damages your RV or causes injuries. Note that bodily injury liability coverage is required if you purchase uninsured/underinsured bodily injury coverage.

Is travel trailer insurance required in Florida?

Since your travel trailer is towed, and not driven like a motorhome, there are no state requirements for insuring a travel trailer in Florida. A policy with PIP and property damage liability coverage is needed for the vehicle used to pull your travel trailer.

Comprehensive and collision coverage

If you're financing your motorhome or travel trailer, your lender typically requires RV comprehensive and collision coverage. These coverages aren't required by Florida law, but can be valuable for protecting your RV against physical damage. Comprehensive covers events out of your control, including theft, vandalism, fire, hitting an animal, and weather-related issues. Collision covers your RV if you collide with another vehicle, tree, fence, guardrail, or any object.

How much is RV insurance in Florida?

The average premium for a 12-month Florida RV insurance policy at Progressive for 2024 was $1,386.04 for a motorhome and $841.16 for a travel trailer. While Florida may be more costly for RV insurance compared to other states, Progressive offers RV insurance for as little as $125/year.^* Your policy's price depends on many factors, such as:

Type and model: The more expensive your RV is to repair or replace, the more you pay to insure it. Larger, newer RVs often cost more than smaller, used RVs; and motorhomes typically cost more than travel trailers or pop-ups.
Claims history: Your history of filing insurance claims may affect your rate.
Driving record: Violations can increase the price of your policy.
Location: Your ZIP code can influence the cost of RV insurance.

Learn more about the cost of RV insurance.

From Tallahassee to Miami, Floridians can bundle and save with Progressive. Earn a multi-policy discount when you combine RV insurance with auto, homeowners, renters, boat, or motorcycle.

What's the best RV insurance in Florida?

Whether you're in Jacksonville, Orlando, Tampa, or any other city in Florida, the best RV insurance is an affordable policy with personalized protection. At Progressive, you can still get cheap RV insurance in Florida without compromising on the coverages you need to safeguard your motorhome or travel trailer.

If you’re looking for the cheapest RV insurance in Florida, check out some of Progressive's RV insurance discounts:

Multi-policy discount
Responsible driver discount
Pay in full discount
Original owner discount
Anti-lock brakes discount

More RV coverages available in Florida

Get additional protection for your motorhome or travel trailer by adding the following optional coverages to your Progressive RV policy:

Total loss replacement: Covers the cost of a new motorhome or travel trailer if yours is totaled, provided the vehicle is less than five years old. After that point, the coverage pays the amount specified on your policy
Roadside assistance: Covers the cost of a tow in case of dead battery, flat tire, or other break downs
Replacement cost/personal effects: Covers personal items inside your motorhome or travel trailer, up to a specified amount, such as your smart phone, camping equipment, or television
Emergency expense: Pays up to $1000 for hotel and travel costs if your RV breaks down more than 50 miles from home
Vacation liability: If you're on vacation and someone is hurt in or around your motorhome or travel trailer, you may be covered up to a specified amount
Pet injury: Covers vet bills up to $1,000, with no deductible, if your dog or cat is hurt in an RV accident
Pest Damage Protection℠: Covers repairs, up to a specified amount, if a wild animal damages your RV^**
Roof Protection Plus®: May pay to repair or replace the damaged roof of your motorhome, even if the damage resulted from normal wear and tear^**

Find out additional information about our RV insurance coverages.

What if I live in my RV full time?

If your RV is your permanent residence, you may need additional coverage that a recreational RV policy doesn't offer. However, a full-time RV insurance policy may offer protection when your RV is your primary home with the follow coverages:

Personal liability: Liability coverage on a full-timers policy can protect against liability claims if you're responsible for someone else's injuries or damages, even when your RV is parked
Medical payments: If someone hurts themselves in or around your RV, medical payments coverage may pay for their medical bills
Loss assessment: This coverage can pay for fees or charges from your RV association, up to $5000