What are Kentucky's RV insurance requirements?
Kentucky's RV insurance requirements mandate that any vehicle capable of moving under its own power must meet the minimum required liability coverage. RVs that can move under their own power in Kentucky require:
$25,000 for bodily injury per person
$50,000 for total bodily injury per accident
$25,000 for all property damage per accident
However, trailers – because they don’t supply their own power – are covered by the towing vehicle’s liability coverage in the event the trailer causes damage in an 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.
Kentucky RV insurance coverages
Bodily injury and property damage liability coverage
Liability coverage may cover damages you cause to another person if you’re at fault in an accident. Bodily injury coverage pays medical bills, while property damage helps cover the cost of repairs for other RVs, campers, buildings, and more. If you're sued for the accident, liability can also help cover legal fees.
Comprehensive and collision coverage
Comprehensive and collision coverages help pay for vehicle repairs in the event of an accident or other losses. Although comprehensive and collision coverage aren't required by law, lenders might require this type of coverage if you financed the vehicle.
Comprehensive coverage may cover events outside your control, such as theft, vandalism, fire, weather damage or collisions with animals.
Collision coverage may pay for repairs if your RV is damaged in a crash with another vehicle, object, or building.
What if I live in my RV full-time?
If you live in your RV full-time, you might need a bit more coverage than you would if you only use your RV during part of the year. Recreational Kentucky RV insurance only protects you and your RV during short trips, whereas full-time RV insurance coverage provides protection for those who spend more than six months in their RV. This coverage includes:
- Personal liability: Full-time RV coverage extends personal liability to any damage or injuries you cause while your RV is parked.
- Medical payments: Medical coverage may cover the cost of injuries to anyone hurt in or around your RV.
- Loss assessment: If you live in an RV park that charges fees or repair costs, loss assessment coverage may meet those costs.
Other RV coverages available in Kentucky
Other types of Progressive RV coverage are available outside the standard options:
Total loss replacement helps to pay to replace your brand-new RV if yours is damaged beyond repair.
Roadside assistance pays the costs of towing if you break down within 100 feet of a road or highway, including the cost of fuel delivery, mechanical breakdown, flat tires, and more.
Replacement cost/personal effects covers the cost of your items (up to a specified amount) inside the RV if they are lost or damaged in a covered event.
Emergency expense coverage pays up to $750 for transportation and hotel costs if your RV is disabled over 50 miles away from home. You can choose to upgrade this coverage to $2,000 for an extra fee.
Pet coverage pays for veterinary expenses for your four-legged friend if they are injured in your RV during a covered accident, up to $1,000.
Pest Damage Protection℠ can help pay for repairs when a wild animal like a bird or raccoon damages your RV.**
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**.
Learn about all our available RV insurance coverages.
How much is RV insurance in Kentucky?
Kentucky RV insurance rates are based on several factors, including:
- Type, age, and condition: Modern RVs tend to cost more to insure than older, smaller models. If your RV has a motor, it will likely be more expensive than a travel trailer.
- Location: Your geographic location plays a role in the cost of your RV insurance. Depending on the population and risk of damage to the RV, prices may be higher.
- Driving experience: If you've driven an RV for extended periods, you may qualify for lower rates than newer, more inexperienced RV drivers.
Learn more about how RV insurance rates are calculated.
How can I get lower rates for RV insurance in Kentucky?
Discounts aren't the same in every state, but RV owners in Kentucky may qualify for Progressive discounts such as:
- Quote in advance: Obtain a quote at least one day before your policy starts to reduce your prices.
- Pay in full: Pay your entire policy upfront to receive a discount.
- Claim free renewal: If you have no at-fault claims, you'll get a discount when your policy renews.
- Responsible driver: If you've had no motor vehicle accidents within the past three years, you may qualify for a discount.
Find out more about RV insurance discounts.