Tennessee RV insurance

Is RV insurance required in Tennessee?

If you drive a motorhome, RV liability coverage is required by Tennessee law and can pay for damages or injuries you cause on the road. If you need more coverage than the state minimum, you can increase your liability limits to protect your assets. Here are the coverages and limits required by Tennessee law:

Tennessee also mandates uninsured motorist bodily injury and uninsured motorist property damage, but you may reject or lower these coverages with the submission of a signed form.

Is it required to have insurance on a camper in Tennessee?

If you have a camper, also known as a travel trailer, you're required to carry auto liability coverage for the vehicle you use 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 more about travel trailer insurance.

Comprehensive and collision coverage

Lenders typically require RV comprehensive and collision coverage if you're financing or leasing your motorhome or travel trailer. But even if your RV is paid in full, comprehensive and collision can be valuable safeguards against damage to what may be one of your most prized assets. These coverages may cover up to the actual cash value of your RV if your motorhome or trailer is damaged beyond repair or stolen.

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 Tennessee?

The average premium for a 12-month Tennessee RV insurance policy at Progressive for 2023 was $1097.83 for a motorhome and $744.21 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.

What's the best RV insurance in Tennessee?

Whether you're in Nashville, Memphis, Knoxville, or any other city in Tennessee, the best RV insurance is an affordable policy with personalized coverage. A leader in RV insurance, Progressive provides inexpensive RV insurance in the Volunteer State without compromising on the protection you need to properly cover your motorhome or travel trailer.

Looking for the cheapest RV insurance in Tennessee? See some of Progressive's RV insurance discounts:

• Multi-policy discount
• EFT discount
• Paid in full discount
• Original owner discount
• Senior safety course discount

More RV coverages available in Tennessee

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 $5,000

Fast facts for Tennessee RVers

1. These documents are required when registering your RV in Tennessee: Multi-purpose application, MSO (Manufacturer Statement of Origin) or title, dealer invoice and proof of tax payment.
2. Tennessee law requires only a standard driver's license to operate an RV with a gross vehicle weight rating (GVWR) of 26,000 pounds or less.
3. Looking for a few tips for your next Tennessee RV adventure? Cruise America provides 10 Camper-Approved RV Parks and Campsites in Tennessee.

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