The Best RV Insurance Companies 2022

Aug 30, 2022 By Susan Kelly

RVs, or recreational vehicles, are trendy. The RV Industry Association estimates that 11 million American households own an RV and spend three to four weeks a year on the road. Insuring your RV is necessary whether you are a full-time or part-time RVer. Like auto insurance, RV insurance coverage serves as a hedge against the risks associated with RV ownership and offers financial security in mishaps, injuries, and other unpleasant circumstances.

It can be hard to pick from the numerous top RV insurance providers, and many RV owners are unsure where to begin.

To make it easier, we have reviewed the best insurance companies for RV. Please stick with us to learn how to choose the best RV insurance companies based on the factors like coverage options, available discounts, and industry reputations.

Best RV insurance companies of 2022

  1. Good Sam: Best RV Insurance Agency
  2. Nationwide: Best Overall
  3. Allstate: Best insurance bundles
  4. Progressive: Best for full-timers
  5. Geico: Cheapest Rates for RV insurance

Good Sam: Best RV Insurance Agency


  • Offers full-time coverage
  • Online quotes available
  • Get Mexico policy or add other coverage


  • Not a direct insurer
  • Multiple customers complaints about roadside assistance
  • Insurer-dependent coverage and setup

The most useful choice for those who need help while selecting coverage is Good Sam Insurance Agency. It lets you get in touch with some of the top RV insurance companies and provides a comprehensive policy that meets your requirements.

Well-known insurance companies like Progressive, Foremost, Safeco, and National General work with Good Sam. You can purchase comprehensive collision, liability, property damage, and personal injury protection as some of the standard coverage options with Good Sam. Total replacement costs, personal belongings, and unexpected expenses are other add-ons.

If you plan to drive your RV across the border to Mexico, Good Sam is a great choice. The company collaborates with, which can connect you with one of three insurers based in Mexico. Depending on your specific needs, agents might suggest add-ons for your cross-border journeys, and you can acquire coverage for trips lasting one day or more.

Nationwide: Best Overall


  • Customizable coverage options
  • Several policy discounts are available
  • Coverage for different online classes


  • No Online quotes are available
  • No pet injury coverage
  • Loss assessment fees not covered

Nationwide is a popular insurer with a wide range of insurance products. Nationwide's RV insurance coverage options, including liability, collision, medical payment, uninsured motorists, and comprehensive coverage, make it the best RV in the U.S.

In 1926, Nationwide offered its first insurance policy. Since then, it has bcome one of the biggest insurance companies in the United States and a Fortune 100 company, with a current Fortune 500 ranking of 76.

It is rated as having A+ financial strength by AM Best, a credit rating company focusing on the insurance sector.

There is a comprehensive range of discounts offered by Nationwide to lower the cost of your premiums, including savings for having multiple policies, safe driving, and more.

Allstate: Best insurance bundles


  • Coverage, particularly for your RV sound system
  • Rental repaying coverage is available
  • Discounts for transferring policies and retired


  • No safe driver accounts
  • No full-time or vacation-specific policy
  • Must get quotes through the agent

Since its inception in 1931, Allstate has provided insurance to more than 16 million households.

When you bundle your insurance policies with Allstate, you may be eligible for discounts for multiple policies. You can bundle your RV insurance with other coverage to save money because Allstate offers auto, homeowners, renters, motorcycles, and life insurance.

Allstate's RV insurance covers the manufacturer-installed audio system in your RV. Your insurance will pay up to $2,500 to repair or replace it if it is destroyed in an accident or stolen, less your deductible.

The insurance plan also covers repayment for rental costs. Your rental reimbursement policy will pay for you to hire a motor home or a car in its place if your motor home is damaged due to your comprehensive or collision coverage.

Progressive: Best for full-timers


  • Offers a specialty full-time liability policy
  • Customizable coverage
  • Multiple discounts available


  • Discounts are not available in all states
  • Prices vary depending on how you buy your policy
  • Basic liability coverage excludes travel trailers

We select Progressive for full-time RV travelers because Progressive offers a unique full-liability timer policy for people who use their RV as their permanent residence. You are better protected with full-liability timer coverage, including personal liability, medical payments, and loss assessment coverage.

In 1937, Progressive was established. Since then, it has become a sizable insurance company, with more than 20.4 million active policies.

Depending on your situation, Progressive offers flexible RV insurance alternatives, with coverage often starting at extremely cheap annual rates.

You can add several extra coverages, including full-timers liability, to your policy. With it, you're protected up to a predetermined limit if you're responsible for accidents in and around your RV.

Geico: Cheapest Rates for RV insurance


  • Several discounts available
  • Low insurance rates
  • Easy app-based claim reporting


  • Discounts are not available in all states
  • Varying total loss replacement coverage
  • No coverage for roadside assistance

Geico is a well-known insurance provider because they have a whole team of RV specialists. Their plans' exceptional flexibility makes it simple to put up a unique coverage package.

Since Geico provides online rates, researching their insurance policies is simple. Their windshield deductible covers all repairs and only charges a $50 replacement fee, and their personal effects replacement limits are up to $100,000.

For drivers who have completed five years or more without an accident, they provide free accident forgiveness.

Despite being a well-known and well-liked insurance provider, Geico doesn't provide coverage in all states. You can not get coverage if you live in Hawaii, Massachusetts, Michigan, or North Carolina. The availability of their total loss replacement coverage varies significantly by state and car worth.

Bottom line

We researched five well-known RV insurance companies to choose the best RV insurance, providers. We assessed each insurer based on its coverage options, the states in which it had licenses, the discounts it offers, and its AM Best Rating. Make sure your coverage levels are adequate for your needs and budget before choosing an RV insurance policy.

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