What are Idaho'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 Idaho are the same as for cars:
- $25,000 in bodily injury per person
- $50,000 in total bodily injury per accident
- $15,000 in property damage per accident
Any RV that must be towed – like a fifth-wheel, pop-up, or travel trailer – will fall under the liability coverage of the vehicle towing it. If you want optional coverages, such as comprehensive or collision coverage, you'll need a separate RV insurance policy for a trailer that has to be towed.
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.
Idaho RV insurance coverages
Bodily injury and property damage liability coverage
Bodily injury coverage may pay for medical bills and legal fees if another person is 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.
Comprehensive and collision coverage
Comprehensive and collision coverages are not required by law, but lenders may require you to carry them based on the terms of an RV loan or lease.
Collision coverage may cover 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 events beyond your control, like vandalism, extreme weather, fire, and collisions with wild animals, damage it.
What if I live in my RV full-time?
When you live in an RV most or all of the time, you may need a level of insurance coverage that functions more like homeowners insurance than a standard recreational Idaho RV insurance policy. Some differences in full-time RV insurance policies include:
- Medical payments: Medical payments may pay for medical bills if someone hurts themselves in your RV or the area around it.
- Personal liability: The required minimum liability coverage usually only protects your RV while you're driving. If you live in your RV, full-time insurance can pay for damage you cause others while the 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 Idaho
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 otherwise breaks down.
Replacement cost/personal effects can help you pay to repair or replace belongings in the RV that have been lost or damaged during a covered incident.
Pet coverage can pay for up to $1,000 in veterinary expenses if your pet is injured in a covered accident.
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.**
Total loss replacement helps pay for the cost of a brand-new RV if yours is totaled in a covered incident.
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.**
Learn about all the available Progressive RV insurance coverages.
How much is RV insurance in Idaho?
Idaho RV insurance rates depend on many factors. Some of the most significant ones include:
- 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 generally cost more to insure than smaller, older RVs and motorhomes are usually more expensive to insure than travel trailers.
Learn more about how RV insurance rates are calculated.
You can get a pop-up trailer insurance quote online for any RV – from small pop-up trailers to big Class A motorhomes.
How can I get lower rates for RV insurance in Idaho?
Discounts like these may be available from Progressive and can make a difference:
- 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.
How to get Idaho RV insurance
Customize your coverage to fit your RV and your unique needs.
Call a rep
You'll speak with a licensed representative who will guide you through everything.
Through an agent
Connect with a licensed, independent agent near you.