What are Louisiana's RV insurance requirements?
The legal requirements for RV insurance in Louisiana vary depending on the type of RV or trailer you have. Because Class A, Class B, and Class C motorhomes are independent vehicles capable of moving under their own power, they need to carry the same minimum liability coverage as cars do:
- $15,000 in bodily injury per person
- $30,000 in total bodily injury per accident
- $25,000 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.
Louisiana RV insurance coverages
Bodily injury and property damage liability coverage
Liability coverage may cover damages you cause to others if you're at fault for an accident. Bodily injury pays for medical bills, and property damage pays for damage you cause to other vehicles, campers, buildings, and more. It can also cover legal fees associated with the incident.
Comprehensive and collision coverage
Comprehensive and collision coverage aren't required by law, but many lenders do require them. 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.
Collision coverage may cover damage that results from accidents, including collisions with other vehicles, trees, road signs, or even accidents like rollovers that don't involve anyone else.
What if I live in my RV full-time?
If you live in an RV most or all the time, you may need more protection than what a standard recreational Louisiana RV insurance policy offers. Full-time RV insurance policies have a lot in common with recreational policies, but there are a few crucial differences:
- 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.
- Medical payments: Medical payments may pay for medical bills if someone hurts themselves in your RV or the area around it.
- Loss assessment: This coverage may pay for costs to repair the property where your vehicle is parked.
Other RV coverages available in Louisiana
There's a long list of RV insurance coverages available from Progressive to help suit your needs, including:
Total loss replacement helps pay for the cost of a brand-new RV if yours is totaled in a covered incident.
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.
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.
Pet coverage can pay for up to $1,000 in veterinary expenses if your pet is injured in a covered accident.
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 the available Progressive RV insurance coverages.
How much is RV insurance in Louisiana?
As with standard auto insurance, Louisiana RV insurance rates are personal and based on several factors, including:
- 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.
- Claims history: Your history of making insurance claims can affect your rates.
- Use: The more you use your RV, the more you're likely to pay to insure it.
Learn more about how RV insurance rates are calculated.
How can I get lower rates for RV insurance in Louisiana?
Lower your cost for RV insurance in Louisiana with the following Progressive discounts:
- Multi-policy discount: Bundling multiple Progressive policies can help you save.
- Accident-free: A clean driving record for the last three years can lower your premium.
- Original owner: If you're the vehicle's first owner, you'll pay less to insure it.
- Homeowner: Owning a home, condo, or single or double-wide will lower your rates even if you don't insure it with Progressive.
Find out more about all the RV insurance discounts we offer.