Minnesota RV insurance
Minnesota's culture of outdoors fun and Midwest hospitality is ideal for RVers throughout the Land of 10,000 Lakes. Whether you're cruising through Minneapolis or chasing the Northern Lights in Voyageurs National Park, get affordable and reliable protection for you and your motorhome or travel trailer through Progressive. Check out important information about RV insurance in Minnesota, including legal requirements, discounts, and cost information.
Explore Progressive's editorial standards for Answers articles to find out why you can trust the insurance information you find here.
Is RV insurance required in Minnesota?
Before you're able to get behind the wheel of your motorhome, Minnesota requires that you carry RV liability coverage, which can pay for damages or injuries you cause on the road. Here are all of the coverages required by law, including what's covered by each and their associated minimum limit(s).
| Coverage | What it covers | Amount |
|---|---|---|
| Bodily injury liability coverage (BI) | What it coversInjuries you cause to another while driving your motorhome | Amount$30,000 per person $60,000 per accident |
| Property damage liability (PD) | What it coversDamage you cause to another vehicle or property while driving your motorhome | Amount$10,000 per accident |
| Uninsured motorist bodily injury (UM) | What it coversMedical bills for you and your passengers if hit by a motorist who has no insurance | Amount$25,000 per person $50,000 per accident |
| Underinsured motorist bodily injury (UIM) | What it coversMedical bills for you and your passengers if hit by a motorist who has insufficient coverage | Amount$25,000 per person $50,000 per accident |
| Personal injury protection (PIP) | What it coversCertain medical and funeral expenses, work loss benefits, and other services, regardless of fault | Amount$40,000 ($20k Medical + $20k Economic Loss) |
Is travel trailer insurance required in Minnesota?
If you have a camper, also known as a travel trailer, the state of Minnesota requires you to carry auto liability coverage for the vehicle used to pull your camper. Note that liability coverage won't cover damage to your travel trailer. You can purchase comprehensive and collision coverage to protect against RV damage, but they aren't required by state law. Learn how travel trailer insurance can protect your camper.
Comprehensive and collision coverage
RV comprehensive and collision coverages are optional if you own your RV outright. But we understand the value that many motorhome or travel trailer owners place on their home away from home. It may be worthwhile to add comprehensive and collision coverage if you want to protect your RV against theft, damage and loss. If you're financing or leasing your RV, your lender likely requires comprehensive and collision coverages.
Comprehensive covers events out of your control, including RV 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 Minnesota?
The average premium for a 12-month Minnesota RV insurance policy at Progressive for 2023 was $774.63 for a motorhome and $504.99 for a travel trailer. Progressive offers RV liability-only policies starting at just $125/year* but your cost for RV insurance 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; 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.
Minnesotans 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 Minnesota?
Whether you're in Minneapolis, St. Paul, Duluth, or any other city in Minnesota, the best RV insurance is an affordable policy with customized coverage. Progressive is a leader in RV insurance, and we provide affordable RV insurance in the Land of 10,000 Lakes without sacrificing the protection you need to properly cover your motorhome or travel trailer.
Looking for cheap RV insurance in Minnesota? See some of Progressive's RV insurance discounts:
- Multi-policy discount
- Original owner discount
- Paid in full discount
- Prompt payment discount
- Transfer discount
More RV coverages available in Minnesota
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. If you have a new, never titled RV, you may be eligible for total loss replacement.
- 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 $2,000 for hotel and travel costs if your RV breaks down more than 50 miles from home. The minimum coverage amount is $750. If you have a full-timer's policy, emergency expense coverage may pay up to $7,500.
- 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 following 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
Fast facts for Minnesota RVers
- Minnesota allows full-time RV residency in certain state parks if you've obtained a park permit and comply with local regulations.
- No RV in Minnesota can exceed 13 feet, 6 inches in height or 45 feet in length, according to Minnesota law.
- For more information on RVing in Minnesota, check out Explore Minnesota's list of ten state parks for your next RV trip.
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