What are Pennsylvania's RV insurance requirements?
Pennsylvania requires that all motorists carry liability coverage. This means that any vehicle with a motor, including Class A, Class B, and Class C motorhomes, must meet the state-mandated requirements for liability coverage:
- $15,000 for bodily injury per person
- $30,000 for total bodily injury per accident
- $5,000 for property damage per accident
Travel and utility trailers, pop-ups, and any RV that is pulled are protected against liability claims by the liability coverage on the towing vehicle. But you still need a travel trailer policy in order to cover physical damage to your trailer.
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 RV insurance quote for your motorhome or travel trailer.
What's included in a Pennsylvania RV insurance policy?
Bodily injury and property damage liability coverage
Bodily injury liability coverage helps pay for injuries caused to another person from an accident where you're liable, as well as legal fees. Property damage liability helps pay for the repair or replacement of their vehicle and belongings if you're responsible for someone else's damages in an accident.
Comprehensive and collision coverage
Comprehensive and collision are optional coverages that pay to repair or replace your RV if it's damaged in a covered incident, regardless of fault. These coverages aren't mandated by the state but are typically required by lenders if you finance your RV.
Comprehensive coverage pays for damages from events beyond your control: fire, theft, vandalism, glass breakage, weather related issues and collisions with animals.
Collision coverage pays for repair and replacement costs if you crash into an object, such as another vehicle, tree, guard rail or fence.
What if I live in my RV full-time?
If you live in an RV full-time, you may need additional coverage that a recreational RV policy doesn't offer. However, a full-time RV insurance policy can offer protection if your RV doubles as your primary residence with these extra coverages:
- Personal liability: Personal liability coverage on a full-timers policy can protect you against liability claims, even while 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: Loss assessment coverage can pay for any fees charged for repairs by local associations.
Other RV coverages available in Pennsylvania
There's a long list of RV insurance coverages available from Progressive to help suit your needs, including:
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.**
Total loss replacement pays for a brand-new RV if you total yours, provided it's less than five years old.
Roadside assistance covers the cost of a tow to a repair shop if you get a flat tire or break down for any reason.
Replacement cost/personal effects can help you repair or replace belongings in the RV that have been lost or damaged during a covered incident.
Emergency expense coverage pays travel and hotel costs if your RV is disabled more than 50 miles from home.
Pet coverage covers up to $1,000 in veterinary bills if your pet gets hurt in a covered accident.
Learn about all the available RV insurance coverages.
How much is RV insurance in Pennsylvania?
Pennsylvania RV insurance rates are based on a number of different factors:
- Type and model: The more expensive your RV is to fix or replace, the more you'll usually pay to insure it. Larger, newer RVs typically cost more, and motorhomes typically cost more than travel trailers and pop-ups.
- Claims history: If you've filed a substantial number of claims, even if you weren't at fault, your rate may be higher.
- Driving record: Violations can increase the price of your RV policy.
Learn more about how RV insurance rates are calculated.
How can I get lower rates for RV insurance in Pennsylvania?
You may be able to save on a Progressive RV policy with discounts like:
- Multi-policy: The more Progressive policies you have, the more you can save by bundling them.
- Original owner: Get a discount just for being the original owner of your RV.
- Quote in advance: Earn a discount for quoting at least one day before your policy is set to start.
Find out more about all the RV insurance discounts we offer.