RV Insurance

Protect your RV with customized coverage starting at just $125 per year*

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    Get an RV insurance quote for your motorhome or travel trailer

    It doesn’t matter if you use your RV recreationally or as a full-time residence—the best RV insurance protects your unique needs. Start an RV insurance quote online, and we’ll help you build a custom policy that protects you and your motorhome or travel trailer in almost any situation. Quoting with us takes as little as three minutes—get started now and hit the road with confidence.

    Whether you’re driving your RV or towing it, we’ll insure it

    From state-of-the art class A motorhomes to pop-up campers, we take pride in insuring all types of RVs—including travel and utility trailers. Check out the common types of RVs we insure:

    Ways to save

    Save big with one of the best RV insurance companies

    Our RV insurance quotes can include multiple ways to save, and annual policies start as low as $125.* See what discounts you’ll earn when you quote RV insurance online or over the phone.

    Multi-policy

    Do you have a home, renters, condo, auto, boat or motorcycle policy with us? If so, you’ll earn additional savings when you add RV insurance.

    Original owner

    If you’re the original owner of your motorhome or travel trailer, regardless of the age of the vehicle, we’ll add on a discount.

    Responsible driver

    Be rewarded for your safe driving. You’ll earn a discount if you’ve driven ticket- and accident-free for the past three years.

    Advanced quote

    Purchase your RV insurance policy at least one day prior to your start date, you’ll enjoy a discount. The more days in advance, the greater the savings!

    See all discounts

    RV insurance coverages that fit your unique needs

    Progressive’s RV policies will protect you and your vehicle for recreational use—out on the road, at a campsite/park, or vacationing. If you live in your motorhome or travel trailer, our full-time RV insurance package includes coverages similar to what you’d find on a homeowners policy, like personal liability and loss assessment.

    See all coverages

    Some of our coverages

    Total loss replacement†

    We’ll replace your totaled travel trailer or motorhome with a brand new one, minus your deductible, so long as your RV is five model years old or less. If your RV is older than five model years, you’ll receive the amount specified in your policy.

    Example: If your totaled RV originally cost $55,000, but is only worth $45,000 today, we’ll pay to replace it with the same model year or later and the same trim level or better—even if it costs more than the original vehicle’s purchase price.

    Replacement cost/personal effects

    Protect personal property inside your motorhome or travel trailer up to the limits you specify.

    Example: You accidently back your trailer into your picnic table, damaging your cell phone and tablet. We’ll pay to replace both items up to the limits of your policy.

    Emergency expense

    If your RV is disabled due to a covered incident and you’re more than 50 miles from your residence, we’ll cover your resulting transportation and lodging costs up to $750 (you may upgrade your coverage to $2000).

    Example: You’re more than 100 miles from home when an accident on the highway damages and disables your RV. We’ll help pay for your hotel and rental car costs, up to the limits of your policy , while your RV is being repaired.

    Silver conventional travel trailer

    Pro tips for quoting RV insurance

    Getting the best rate or the right insurance coverage for your RV isn’t as difficult as changing a tire on the side of the interstate. Just keep the tips below in mind before you start your quote:

    • Look up your RV's value: Knowing your RV’s value will help determine how much coverage you need. Sites like NADA.com are a good starting point for researching your RV’s current worth.
    • Pick the coverages you need: For example, personal effects coverage may make sense for you if you travel with a lot of expensive gear, such as a laptop or camera.
    • Safety first: A clean driving record with both your car and RV can help lower your insurance costs.

    Get a quote for your motorhome or travel trailer today and see how much you can save while getting the coverage you need.

    Common questions about RV insurance

    How much does RV insurance cost?

    Annual policies from Progressive remain affordable, but your price for motorhome and travel trailer insurance depends on many factors, most notably:

    • Type, age, and condition: RV insurance is primarily based on the make and model of your vehicle. An older, smaller travel trailer will likely cost less to insure than a new, luxurious motorhome. Just like your rate will be costlier for a state-of-the-art conventional travel trailer compared to a pop-up camper.
    • Use: How often you use your RV will impact your cost to insure it. If your RV is your primary residence, your coverages and premium will differ from someone using their motorhome or travel trailer for only a few weekends per year. Learn more about full-time RV insurance.
    • Driving history: A clean driving record can help when it comes to RV insurance, too. Tickets on your motor vehicle report or prior accidents could affect your premium.

    Do you have to have insurance on a travel trailer?

    If you’re financing your travel trailer, your lender may require comprehensive and collision coverage to insure the vehicle against physical damage. Since you don’t drive your travel trailer, no states require you to insure a vehicle that you pull with a car or truck.

    Does Progressive’s Roof Protection Plus® coverage apply to the interior of your RV?

    Yes. The coverage includes protection against damage to any part of the vehicle caused directly by a roof malfunction.

    Does Progressive insure destination trailers and horse trailers?

    Yes to both. We cover destination trailers like standard travel trailers. Horse trailers can be covered up to $50,000.

    More questions about RV insurance? We have Answers

    Wondering what kinds of coverages you need as a part-time (or full-time) RVer? Use Progressive Answers as your go-to guide for all things insurance.

    Build the best RV insurance policy for you & start a quote

    Get a quoteOr, call 1-855-347-3939