What are Virginia's RV insurance requirements?
In Virginia, if you drive an automotive vehicle, including a motorized RV, you must either carry liability insurance or pay an uninsured driver fee; if you choose the latter, you'll be legally and financially responsible for any damage you cause. If you opt to carry liability coverage, you'll need to meet or exceed the following liability coverage limits:
- $30,000 in bodily injury per person
- $60,000 in total bodily injury per accident
- $20,000 in property damage per accident
Virginia RVs with motors are also required to have uninsured/underinsured motorist (UM/UIM) bodily injury (BI) and property damage (PD) coverage.
If your RV is a trailer with no motor — like a travel trailer, pop-up, or toy hauler — insurance isn't required because it's protected by the liability coverage of the vehicle it's towed by. Having a dedicated trailer insurance policy can be a good idea, though, since optional coverages still provide important protection.
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What coverages are available with a Virginia RV insurance policy?
Bodily injury and property damage liability coverage
In Virginia, the mandated RV insurance coverage is bodily injury and property damage liability coverage, sometimes known as BI/PD or simply liability. If you're at fault in an accident, bodily injury liability can cover others' medical bills. Property damage liability pays for damage you cause to buildings, vehicles, objects, and more. It can also cover legal fees related to the incident. It doesn't cover damage to your RV or injuries you or your passengers sustain.
The legally mandated coverage limits are minimums. If you choose to purchase higher limits, your monthly premium may be higher, but you'll have more coverage in case of an accident. When choosing your coverage limits, consider the value of all your assets and choose a level that will protect those assets. You'll have to pay out of pocket for any damages that exceed your coverage limits.
Collision and other than collision coverage
While liability protects you from financial loss when you're at fault for an accident that harms others, optional collision and other than collision coverage can protect your own vehicle. These coverages aren't required by Virginia law, but if you're leasing or financing your RV, they're likely required by the lender. If you're making payments on your RV as part of a lease or loan, check the terms to see how much collision and other than collision you're required to carry.
And even if you own your RV outright, you may want to carry collision and other than collision since they offer coverage for your RV in case you're in an accident or there's damage from an event that was out of your control.
Other than collision coverage, called "comprehensive coverage" in most states, covers damage to your RV that results from uncontrollable forces like fire, acts of nature, collisions with wildlife, vandalism, and theft. Other than collision coverage doesn't require you to be driving when the covered event occurs, so RVs can benefit from this protection even if they're parked long-term between trips.
Collision coverage pays for damage resulting from most kinds of collision: multi-vehicle collisions, collisions with parked cars, objects, or buildings, and even rollovers. And you can claim your collision coverage regardless of who was at fault for the accident.
What if I live in my RV full-time?
Full-time RV insurance for Virginians offers some coverage similar to what you'd find on a homeowners insurance policy to better protect you when you're not operating your RV but living in it for a significant part of the year. Some of the distinctive features of a full-time policy include:
- Personal liability: Standard RV liability coverage is for accidents you cause while you're driving, but full-time RV insurance offers liability coverage for damage you cause others while the RV is parked.
- Loss assessment: Get coverage for the fees charged by an association to cover the costs to repair the property where your vehicle is parked.
- Medical payments: Full-time medical coverage can pay for medical bills if visitors hurt themselves in your RV or the area around it.
Other RV coverages available in Virginia
Further tailor your policy to your needs with other optional Virginia RV insurance coverages:
Total loss replacement can pay to replace your RV with a brand-new one if a covered accident renders your current rig (must be new and never titled or insured before) a total loss. If you decide not to replace it, you'll be reimbursed for the original purchase price. If your RV is older than five years, it will be covered for the amount specified on your policy.
Roadside assistance can pay to get your RV to a repair shop if you get a flat tire or experience a breakdown.
Replacement Cost/Personal Effects covers personal property you're carrying in the RV, like cell phones, sports equipment, or camera gear, if they're lost or damaged during a covered incident.
Emergency expense coverage can pay for travel and hotel costs if a covered event disables your RV more than 50 miles from home.
Pet coverage protects your pets with up to $1,000 for vet bills if your pet is hurt in a covered accident.
Pest Damage Protection covers motorhome or non-stationary travel trailer repairs resulting from damage from wildlife pests like rodents or birds that occurs more than 30 days after you get the coverage.**
Roof Protection Plus® can pay for your motorhome or non-stationary travel trailer roof repair or replacement necessitated by covered damages (as long as they occur more than 30 days after the coverage goes into effect). It applies even if the damage is the result of normal wear and tear.**
Find out more about all our RV insurance coverages.
How much is Virginia RV insurance?
Rates for Virginia RV insurance vary according to many factors. Some of the most important are:
- Type and model: Bigger, newer, more expensive RVs cost more to insure than smaller, older, less expensive ones. And motorhomes are generally more expensive to insure than trailers.
- Claims history: Your history of making insurance claims can affect your rates.
- Use: The more you use your RV, the more it will cost to insure.
Learn more about how insurers calculate RV insurance cost.
How can I get lower rates for RV insurance in Virginia?
You may be able to access the following discounts in Virginia:
- Multi-policy: Bundle Progressive policies and save
- Advance quote: Save just for getting a quote at least one day before the policy takes effect
- Homeowner/Primary Residence: Pay less if you own a home or if your RV is your primary residence
- Paperless: Get your documents and bills electronically and save
See all the RV insurance discounts we offer.
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