Best RV Insurance Companies of 2025

A median total of 350,100 new RVs are estimated to ship this year alone. Unfortunately, there are approximately 76,000 RV accidents every year. Because of their size, handling, and other features, RVs have a higher risk of collisions and other incidents on the road than standard vehicles. That makes having RV insurance even more critical. 

RV insurance blends liability coverage, collision coverage, comprehensive coverage, roadside assistance coverage, and others, depending on your policy. It's imperative for RV owners to consider fleshing out their policies to cover all potential risks that come along with operating a large motorhome.

We're hoping to make your coverage journey easier with our list of the Best RV Insurance Companies of 2025. Our top picks for the best insurance companies for RV owners consider all the coverages RV operators need most, as well as financial strength and other factors customers seek in a trusted carrier. 

Trusted Choice's list of top picks for RV insurance also considers each carrier's pros and cons. If you're still in need of a policy, an independent insurance agent can help you find coverage for your unique motorhome today. But until then, check out our top recommendations for quality RV insurance.

The 7 Best RV Insurance Companies of 2025

Who has the best RV insurance? We're here to help answer that question. We ranked our top 7 best RV insurance companies in 2025 based on several criteria. The best RV insurance depends on a carrier's customer satisfaction, policy options, and much more. Find our rankings for the best insurance companies for RV owners across several specific categories below.

• Best RV Insurance Overall: Progressive RV Insurance
• Best RV Insurance for Diversity of Coverage Options: Allstate RV Insurance
• Best RV Insurance for Auto and RV bundle: National General RV Insurance
• Best RV Insurance for Part-Time RVers: National General RV Insurance
• Best RV Insurance for Full-Time RVers: Good Sam Insurance Agency RV Insurance
• Best RV Insurance for Policy Discounts: Nationwide RV Insurance
• Best RV Insurance for Customer Service: The Hartford RV Insurance

Best RV Insurance Overall: Progressive RV Insurance

Pros and Cons:

Pros:	Cons:
Offers full-time RV coverage	Total loss replacement coverage isn't available in every state
Offers coverage for all types of RVs and motorhomes
Offers a ton of discount options

Our choice for the best RV insurance company overall goes to Progressive RV Insurance. The insurance company got its start way back in 1937 and has excellent "A+" ratings by both AM Best and the Better Business Bureau (BBB). 

Progressive's extensive coverage catalog includes many types of personal and business coverage, including RV insurance. The carrier also offers many discount options on RV insurance and other coverages. 

Full-time and part-time RVers alike can find the coverage they need through Progressive. We love that the carrier offers more policy options and features than most competitors. With Progressive's RV insurance, you can get the added perks of pet injury coverage and accident forgiveness at no extra charge, which puts the carrier ahead of the rest. 

Customers in need of coverage can get fast online quotes for any kind of motorhome, including fifth wheel and pop-up tent trailers or campers, as well as Class A and many others. All these perks combined easily grant Progressive the top spot on our list of the best insurance companies for RVers in 2025.

Best RV Insurance for Diversity of Coverage Options: Allstate RV Insurance

Pros and Cons:

Pros:	Cons:
Offers full-time RV coverage	Policy information isn't well fleshed out on the official website
Offers discounts for completing an approved RV safety course	Many competitors offer more RV insurance discounts
Offers a wide range of coverage options

Our choice for the best RV insurance for a diversity of coverage options goes to Allstate RV Insurance. Allstate offers the standard RV insurance coverage options you'd expect to find but provides many additional options as well. These include such options as tow bar coverage, vacation liability insurance, emergency expense coverage, and pet coverage. 

Another major perk of Allstate is its full-timer RV liability insurance, an important coverage not offered by most RV insurance carriers.

Allstate offers discounts for RVers who complete approved safety courses. However, note that other carriers seem to offer a longer list of discounts than Allstate does. Still, Allstate offers savings for customers who are homeowners and/or are married, go paperless, or pay their premiums in full.

Best RV Insurance for Auto and RV Bundle: National General RV Insurance

Pros and Cons:

Pros:	Cons:
Offers a 20% discount for bundling auto insurance and RV insurance	Some poor customer service reviews
Bundled policies are covered under a single deductible
Online quotes available

Our choice for the best RV insurance for auto and RV bundle goes to National General RV Insurance. National General allows customers to bundle their RV insurance and auto insurance together for a 20% discount on each coverage if both are purchased through the carrier. 

Another advantage of National General's bundling deal is that customers can enjoy a single deductible for both their RV insurance and car insurance. If there's an accident that involves both a customer's RV and another insured vehicle, they only have to pay one deductible and file a single claim. Considering many RVers may tow their motorhomes behind another vehicle, this can be an extremely beneficial perk.

National General also allows customers to obtain easy and fast online quotes. In many cases with RV insurance, customers must speak to an insurance company rep or agent directly to obtain a quote. But if you want to get an idea of how much you can save on RV insurance through National General, just hop online and have details about your location and your RV's make and model on hand.

Best RV Insurance for Part-Time RVers: National General RV Insurance

Pros and Cons:

Pros:	Cons:
Offers purchase price guarantee coverage	Only offers coverage for Class A, Class C, and toterhome motorhomes
Allows customers to pause their coverage when not using their RVs	Policy information isn't well fleshed out on the official website

Our choice for the best RV insurance for part-time RVers goes to National General RV Insurance. We love that National General allows customers to temporarily pause their coverage while they're not using their RVs. This ability isn't offered by most carriers, which leaves customers having to continue to pay their premiums even while their motorhomes are stored. Since part-time RVers by definition don't use their motorhomes for more than six months out of the year, they can save as much as 50% or more on their coverage by getting a policy through National General.

Another huge perk is National General's purchase price protection add-on. This coverage can pay to replace your RV up to its original purchase price if it gets totaled by a covered event. Customers can add this coverage to their policies within their RV's first nine model years. 

However, one drawback about National General to note is that the carrier doesn't offer coverage for all types of RVs. The carrier only offers policies for Class A and Class C motorhomes, as well as toterhomes.

Best RV Insurance for Full-Time RVers: Good Sam Insurance Agency RV Insurance

Pros and Cons:

Pros:	Cons:
Offers coverage for all types of RVs and motorhomes	Not a direct insurance company, but an insurance agency
Offers RV insurance in Mexico	Mixed customer reviews of the roadside assistance coverage

Our choice for the best RV insurance for full-time RVers goes to Good Sam Insurance Agency RV Insurance. It can be difficult to find coverage if you're a full-time RVer, but Good Sam makes this possible. 

The insurance agency offers customizable policies for "full-timers," including personal belongings coverage, liability coverage, emergency expenses coverage, and medical payments coverage. Just keep in mind that Good Sam is an insurance agency rather than a carrier, so you'll find its products distributed by carriers such as Progressive, SafeCo, and National General.

We also love that Good Sam offers its products to customers in Mexico. The insurance agency also provides many discount options, including those for insuring multiple vehicles and for paying your premiums in full. No matter what kind of RV you have, you can likely find a full-time RV insurance policy underwritten or distributed by Good Sam Insurance Agency.

Best RV Insurance for Policy Discounts: Nationwide RV Insurance

Pros and Cons:

Pros:	Cons:
Offers a long list of discounts	Doesn't offer online quotes
Offers towing coverage that includes meals and lodging expenses	Not many optional coverages offered

Our choice for the best RV insurance company for discounts goes to Nationwide RV Insurance. Nationwide provides a long list of discount options for customers with multiple vehicles or multiple policies, as well as for those who pay their premiums in full, already have another policy through the carrier, are good drivers, or have completed an approved RV safety course. You can also get a discount through Nationwide if you have an RV association membership, such as through the National RV Association.

Another major perk of Nationwide's RV insurance is its outstanding towing and roadside assistance coverage. It includes coverage for other emergency expenses such as transportation, lodging, and meals. Further, customers are able to order roadside assistance services via the carrier's mobile app and get real-time status updates right on their phones. 

One disadvantage of going through Nationwide is the lack of online quotes. Customers must contact the carrier directly or ask their independent insurance agent to get a quote for them.

Best RV Insurance for Customer Service: The Hartford RV Insurance

Pros and Cons:

Pros:	Cons:
Offers competitive discounts	No storage discounts offered
Offers online quotes	No full-timer RV coverage
Highly rated by J.D. Power	Coverage is only available to AARP members in most states

Our choice for the best RV insurance company for customer service goes to The Hartford RV Insurance. The Hartford ranks at the top of the pack for customer service. 

The carrier received the highest rating for consumer satisfaction in the Northwest and Florida on J.D. Power's 2022 Auto Insurance Study. The Hartford also placed third for overall customer satisfaction of all carriers in the J.D. Power 2022 Home Insurance Study. The insurance company receives consistently good customer feedback and has excellent "A+" ratings from both the BBB and AM Best.

Customers can also easily obtain online quotes for coverage through The Hartford. However, a couple of drawbacks to the carrier's RV insurance include that no full-timer coverage is offered, and coverage is only available to AARP members in most states.

How We Select the Best RV Insurance Companies

We evaluated RV insurance companies based on several criteria and applied a calculated methodology to create our list of top carriers across several categories. More than 10 RV insurance carriers were evaluated in terms of pros and cons, including the overall website, coverage options, discounts and benefits, coverage rates, online quote availability, financial strength, and history in the insurance industry. An assessment of combined carrier reputation and RV insurance options and prices was conducted to craft our list of top picks for providers in every category above.