What are Oregon's RV insurance requirements?
The legal requirements for Oregon RV insurance for a motorhome are the same as those for auto insurance, requiring liability coverage with limits of at least:
- $25,000 in bodily injury per person
- $50,000 in total bodily injury per accident
- $20,000 in property damage per accident
Oregon also requires personal injury protection (PIP) and uninsured/underinsured motorist bodily injury coverage (UM/UIM BI). Non-motorized trailers, such as fifth-wheel and pop-up trailers, are covered under the liability coverage of the towing vehicle's auto policy.
Get an RV insurance quote to find out how easy it is to get coverage for any size RV.
What coverages are available with an Oregon RV insurance policy?
Bodily injury and property damage liability coverage
Bodily injury and property damage liability coverages (sometimes abbreviated as "BI/PD") are standard coverages that can pay for someone else's injuries and damaged property if you cause an accident while driving your RV.
Comprehensive and collision coverage
Comprehensive and collision are two forms of physical damage coverage that, unlike liability, can pay for repairs to your own vehicle in the case of an accident, regardless of who's at fault. They aren't required by law but are required by many lenders. If you're still making payments on your RV, check the details of your loan to see what coverage limits are required by your financing agreement.
Comprehensive coverage covers costs for repairing or replacing your RV when it is damaged by events beyond your control, like vandalism, extreme weather, fire, and collisions with wild animals. It protects your RV even when it's parked or in storage, so it can be helpful even if you live in the vehicle and don't drive it much.
Collision coverage , by comparison, protects your vehicle from damage that results from accidents (except wildlife collisions, which are covered under comprehensive). That can include collisions with other vehicles, objects like trees or road signs, or even accidents like rollovers that don't involve anyone else.
What if I live in my RV full-time?
The typical Oregon RV insurance policy is a standard "recreational" policy. If you intend to live in your RV most or all of the time, you may need protections that go beyond what a recreational policy offers. Here's how full-time RV insurance policies differ from recreational policies:
- 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: Coverage that can pay for fees charged by an association to cover costs to repair the property where your vehicle is parked.
- Medical payments: Like medical payments coverage on a homeowners or renters policy, this coverage can pay for medical bills if someone hurts themselves in your RV or the area around it.
Other RV coverages available in Oregon
You can customize your RV coverage to create the policy that's right for you, with optional coverages like:
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.
Total loss replacement pays for the cost of a brand-new RV if yours is totaled in a covered incident — available on new, never registered RVs.
Pet coverage can pay for up to $1,000 in veterinary expenses if your pet is injured in a covered accident.
Roadside assistance can pay for a tow to the nearest repair shop if your RV gets a flat tire or otherwise breaks down.
Pest Damage Protection can help pay for repairs when a wild animal like a mouse or raccoon damages your RV.*
Replacement Cost/Personal Effects can help you repair or replace belongings in the RV that have been lost or damaged during a covered incident.
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 RV insurance coverages.
How much is Oregon RV insurance?
Many factors go into the cost of Oregon RV insurance rates, including (but not limited to) the following:
- 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.
- Type and model: Bigger, newer RVs are generally more costly to insure than smaller ones. Motorhomes are usually more expensive to insure than travel trailers.
Learn more about how RV insurance rates are calculated.
How can I get lower rates for RV insurance in Oregon?
These are some of the discounts that may be available to you:
- Homeowner: Owning a home, condo, or single- or double-wide will lower your rates even if you don't insure that home with Progressive.
- Original owner: If you're the vehicle's first owner, you'll pay less to insure it.
- 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.
Find out more about all the RV insurance discounts we offer.