Best RV insurance companies of 2026

If you’re planning to hit the road with an RV, make sure you have the right insurance plan. A travel trailer could be covered by your existing auto insurance policy but a motorhome generally requires its own liability policy.

CNBC Select reviewed more than 30 auto insurance companies that cover RVs and chose the best in a variety of categories. (See our methodology for more on how we made our choices)

Who's this for? Progressive has some of the lowest rates for RV insurance of the providers we reviewed and its plethora of discounts can lower your premiums even further.

Standout benefits: Progressive's accident forgiveness benefit means your premiums won't increase if you file a claim for less than $500.

Who's this for? Good Sam's storage option can save you as much as 53% if you store your RV when you're not using it. Your collision and liability coverage will pause but you'll still be protected from theft, fires, storms and other hazards

Standout benefits: Good Sam includes up to $3,000 of full replacement cost coverage at no additional charge. It's also one of only a few companies that offers RV coverage in Mexico.

Who's this for? Nationwide is a great choice for RV owners looking for ways to trim their rates. Its RV-friendly discounts include reductions for belonging to an RV association, completing an RV safety course and insuring multiple vehicles.

Standout benefits: Customers who bundle their home and auto policies with Nationwide can save up to 20% on their annual premiums.

Who's this for? Roamly specializes in insuring people who spend more than six months out of the year in their RVs. It provides coverage for emergency expenses, adjacent structures, debris removal and loss assessment for HOA fees.

Standout benefit: Unlike many competitors, Roamly allows RV owners to rent out their vehicles.

Who's this for? Geico's total loss replacement coverage is a great option that can pay for a new RV if yours is totaled in the first four model years. In the fifth through seventh years, the payout is either the purchase price or the actual cash value, whichever is higher.

Standout benefits: Geico offers personal effects replacement up to $100,000, more than many competitors.

Who's this for? Allstate covers Class A, B, C motorhomes and toterhomes, with special coverage for Airstream travel trailers and other vehicles.

Standout benefits: If your pet is injured in an accident, your policy may cover their veterinarian bills.

RV insurance operates much like auto insurance, reimbursing for expenses related to repairing or replacing the vehicle after an accident, theft or natural disaster. Basic liability coverage pays if you cause bodily injury or property damage to others in an accident. 

Owners can also opt for personal property coverage to cover personal belongings stolen or damaged inside the RV, medical payment coverage to cover medical expenses for you and your passengers if you're injured in an accident, coverage for uninsured or underinsured drivers, roadside assistance and vacation expense coverage, which kicks if for lodging and other costs if your RV becomes uninhabitable while on vacation due to a covered loss. 

In addition, customization coverage can reimburse you for accessories, devices and updates to your RV. 

For trailers — including fifth-wheels, pop-up campers and Airstreams — your tow vehicle’s liability insurance can cover any damages you cause. For a motorhome, you’ll need a standalone liability policy that meets state requirements.

According to J.D. Power, the average annual insurance premium for a gas-powered Class A motorhome is between $1,000 and $1,300, based on 140 days of use per year.

Like car insurance, however, RV insurance premiums depend on many factors — including the type of vehicle, its age, whether it’s used as a residence and your driving history. 

Many of the strategies for saving on regular auto insurance apply to RVs, as well, including completing a safe driving course, paying in full, raising your deductible and bundling your RV policy with homeowners insurance. You may also be able to save money by storing your RV when you're not using it and suspending liability and collision coverage.

Vacation liability coverage is a rider offered by many companies that provides personal liability protection if someone is injured in or around your RV at a campsite. It's recommended for full-time RVers or people who go on extensive road trips.

Coverage limits usually cap out at $10,000, but you may be able to increase that to $100,000 or more.

Progressive offers policies for Class A, B and C motorhomes and conventional and fifth-wheel trailers. Unlike some providers, it issues gap insurance and has an accident forgiveness benefit.

Coverage: Full coverage, uninsured/underinsured motorist, MedPay, total loss replacement, personal effects, vacation liability, emergency expenses, pet injury, rodent damage, roof protection plus; roadside assistance, full-timer liability, loss assessment

Discounts: Multi-policy, multi-vehicle, pay in full, pay on time, safe driver, claim-free renewal, homeowner, continuous coverage, good student, distant student, online quote, sign online, paperless, autopay

Good Sam is not a direct insurer, but it works with top providers like Progressive, National General and Safeco. Unlike some competitors, Good Sam covers full-time RVers and provides coverage in Mexico.

Coverage: Full coverage, uninsured/underinsured motorist, personal liability, property damage liability, bodily injury liability, personal injury protection

Discounts: Multi-vehicle, bundling, safe driver, storage, paying in full, safety features, anti-theft devices

Nationwide RV insurance is available in all states except Alaska, Louisiana and Massachusetts. Drivers can save up to 40% with SmartRide, the company's safe-driving app, when they practice responsible behavior on the road.

Coverage: Liability, collision and comprehensive; uninsured/underinsured motorist; MedPay, vacation liability, safety glass replacement, personal effects, towing and labor, roadside assistance

Discounts: Multi-policy, pay-per-mile, accident-free, good student, defensive driving course, anti-theft devices, safe driver, autopay, paperless, SmartRide usage-based insurance program, RV safety course, RV association, prior insurance

A division of RV rental company Outdoorsy, Roamly is available nationwide except in Hawaii. Policies are underwritten by top companies like Allstate, Safeco, Foremost and National General.

Coverage: Liability, comprehensive and collision; MedPay; uninsured/underinsured motorist; total loss replacement; storage, personal effects (up to $3,000); emergency expenses; commercial RV; vacation liability (up to $300,000)

Discounts: Military, homeowner, existing auto or RV insurance, early bird

Geico covers a wide variety of RVs, including conventional and fifth-wheel travel trailers, folding camper trailers and truck campers. You can even cover the toy hauler used to transport an ATV or motorcycle.

Coverage: Full coverage; MedPay; total loss replacement; exterior body, wheels, and chassis; personal effects replacement; vacation liability; emergency expenses; emergency roadside service

Discounts: Multi-policy, new vehicle, defensive driver course, safety features, anti-theft devices, good driver, good student, military, federal employee, commercial driver's license

Allstate has generous RV policies that cover the cost of towing and labor if your vehicle breaks down on the road. The easy-to-use website has a standalone RV insurance section, where customers can pay premiums, file claims and make changes to their policies.

Coverage: Full coverage; personal injury protection, medical payments, uninsured/underinsured motorist, personal effects, total loss replacement, vacation liability, emergency expenses, full-timers liability, tow bar, pet

Discounts: Multi-policy, new vehicle, good student, safety features, anti-theft devices, autopay, paperless, pay in full, safe driver, responsible payer

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every car insurance review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of insurance products. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics.

CNBC Select analyzed more than two dozen U.S. insurance companies that cover a variety of RVs, trailers and motorhomes

When ranking the best RV insurance companies, we focused on cost, coverage, availability, types of RVs covered, the number of discounts, ease of use, financial strength ratings from AM Best and customer satisfaction rankings from J.D. Power, the Better Business Bureau and the National Association of Insurance Commissioners.

We also considered CNBC Select audience data when available, such as general demographics and engagement with our content and tools.

Based on that criteria, our picks for best RV insurance are:

Best for affordability: Progressive
Best for part-time RVers: Good Sam
Best for discounts: Nationwide
Best for full-time RVers: Roamly
Best for total loss replacement: Geico
Best for motorhomes: Allstate

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